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Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Fantastic. And, Carmen, can I please ask you to confirm your client password? Sorry? Yes. Sorry. You dropped out. Yes. That's correct. Thank you. The reason I'm calling today is just to run through the advice presentation that we talked about from our last review just to make the recommended changes. Do you still have time for that? Wonderful. I sent you an email probably about five minutes ago with some... A similar to the review process with a a link to sign here through OdooSign and from myself. The the documents we're gonna talk through are contained in that sign here option if you're able to access your emails. Lovely. Thank you. So if you can just confirm when you have those... That opened, I can begin talking you through. Lovely. Thank you. So the first page you should see is a cover page that says statement of advice prepared for yourself, and it's prepared by myself, Jenna Wheeler, and with my authorized details and Oakview's details. The next page... Sorry. I'm just gonna move that away there. The next page covers off on what this document contains and our best interest duties. So as advisers, our best interest duties apply that we... Any financial or personal info... Information and advice is specific to your needs. Any incomplete or inaccurate information can impact the basis of the advice. So if anything hasn't been provided correctly, we always consider that the recommendation made has to put you in a better position and suit your circumstances and in your best interests. That's what that page outlines. The next one is a table of contents followed by the scope of advice including your goals and objectives. So this document... Well, this section, I'm gonna... It's gonna explain what we're addressing in this advice document today. So the goals and objectives that we are addressing is your superannuation. So one of the topics we spoke about in your recent review was underperforming investments, making sure your portfolio is invested in this... In line with your risk profile. We also spoke about the ability to make recommendations to superannuation. So that is included in here also. Additionally, on the next page with insurances, you mentioned that you're happy with your level of life and TPD cover. You would like to understand what trauma insurance covers and what the cost would be. And if you're able to look at increasing your income protection from insured now that your income has increased. Estate planning is also making sure that somebody is able to look after Gabe and make sure he is not taken advantage of should something happen to you. The items that we're not addressing in this advice document is your retirement goals. It... Due to... As retirement is quite some time away at the moment, we're not looking at any retirement specific strategy. So that would be, for example, a transition to retirement or other type of retirement specific strategy... Strategies. We're preparing for retirement but not recommending it at the moment. Does that make sense so far? Yeah. Yes. That's right. The next couple of things that aren't considered also is the budget and savings. So you've started saving a $100 per fortnight for your trip to Greece next year. Debt, you wanna reduce your personal debt and potentially purchase a house in the future. So those two aren't covered within this statement of advice. Lovely. Then this limited advice section just covers off on the areas that I am not able to obtain advice in. So I'm not a lawyer or a legal practitioner, so I can't draft that will or estate planning documents. Legal attorney does need to do that. I can't provide advice in regards to general insurance. I can provide tax advice in relation to financial planning, but but not tax return advice, for example. Beautiful. Thank you. The next couple of pages are there about you. So it covers off on your personal situation, including your occupation, income, marital status, dependents, assets and liabilities, your superannuation, and your current insurance portfolio. And that's all the information that we obtained and talked through on your recent and your review. Page 11 talks about your risk profile. So, again, referring back to our review, we talked through your appetite to risk and having a growth risk profile, which is an 20% split, if you recall. So 80% to growth assets and 20% to defensive assets. Is that still applicable? Yep. Lovely. Alright. Sorry? Yes. Exactly. Fantastic. Okay. The next section is where we're gonna talk about the actual strategy. So this is where the crux of it... Of the actual advice live. The first recommendation on page 13 is that PSS will be retained due to... In its own form in... Due to, you know, the limitations and restrictions of the scheme itself. So that will continue to sit where it is and not be touched until there comes time that you meet a condition of release. But in relation to your Hub twenty four superannuation fund, the one that we manage on your behalf, we have reviewed the investment options which I talked to you about. And I've actually recommended not only replacing those underperforming investments being the ban along and the phasing out of the hybrid options, but I've recommended a little bit of a restructure of your portfolio. And what... In considering that, what I've also considered is any potential CGT implications that are internal to the fund, not you personally. And based on all those things that I considered, which is within this document, being eleven years away from retirement, the preliminary modeling does show us that it's gonna have a greater outcome, which I'll cover off in a couple of more pages. The recommended portfolio does use lower cost investments with strong and consistent consistent performance history. So by reducing the ongoing fees, we're giving your balance a little bit more room to grow by reducing those investment fees. In addition... Oh, sorry. I pressed the wrong button. And then I've rebalanced it to make sure that it is back within that the guide time... The guidelines of the 8020 split for a growth profile. The the advantages are that, again, lesser in... You'll have lesser ongoing investment phase. The disadvantages, though, are there is a capital gains tax of approximately $55.03 that will be paid within the HUB24 super platform. So that's not you personally. The the superannuation fund is... Your super balance, sorry, is charged up. So to make those changes... Sorry? It's only a one off. So it's a capital gains tax. So because the portfolio has made a gain, even with that... The underperforming better long fund, what I've recommended you switch into does realize a little bit of a capital gain. So it's not an ongoing annual fee. It's just a one off, and it's $55.03. Does that make sense? Lovely. Okay. I did consider other alternatives. Like, I considered another platform potentially. Essentially, I discounted that one because they do have higher brokerage fees. So when funds are sold and traded upon compared to HUB 24. And also, if I did do that, the capital gains tax would be nearly $3,000 rounded up. So that is not actually in your best interest. It would take a quite a significant amount of time with the fee reduction and then to offset that CGT. So that was just discounted pretty quickly. The risks involved are always... There's no guarantee of the recommended investment portfolio portfolio outperforming any other portfolio. Future legislative or regulatory changes can occur, so access to super is currently sixty years of age, for example. That could change based on legislation, and I'm just using that as an example as what legislative risks are. And as we are moving investments around in the background, you know, investments may rise or decline during that time. So there is a a little bit chance there of missing out on potential gains. Any questions there? Yes. Yeah. Yep. Yeah. So we're not... You... Once in a couple of pages, I'll actually... You'll actually see what we're moving out of and what we're keeping. So that can actually give you a little bit more confidence and information to make an informed decision. That's okay. The next page covers off on the fee comparisons between... We've included PSS here for you anyway because those fees don't change. They'll be the same for you this estimated coming twelve months they're based on. But you'll see the hub ones are the ones that I wanna focus on. So the second line being the investment fee, you're gonna have a $467 saving per annum on the investment fee. So that'll go from 925 down to about 458. The adviser the adviser fee does increase a tiny little bit by $64 just based on your balance when we produced the statement of advice. And we have actually made a recommendation of contributions to super, so you'll see that they vary a little bit of approximately 3,448. I'm gonna touch on that in a moment. And then your insurance premium. So I did look at your income protection, and I have made a recommendation within here which is further on and we'll cover off, but that's... Your your insurance premiums are are included in here also. What it means for you personally by making the investment recommendations, on the next page down, we have the projected balance. So in five years' time, in the current portfolio, we'd be looking at about... So this is with your two combined, your PSS and Hub combined of 800 and 2,473. The recommended portfolio within Hub, so this allows for the accumulation of part of PSS and their investment returns, historical we use, and then the hub one as well with the defined benefit. So if you look at the figures in green, in five years, we believe you'll be better off by $52,800 by changing the portfolio within hub, and in ten years, a $160,187 based on the portfolio. So we just use the conservative figures there. So... And any projections there, we've just used the PSS historical returns to include. So you can kinda see the whole picture rather than just part of it. Sorry. That really comes down to... I think a little bit further on, we'll cover off on the retirement. There is a little bit of a projection there that might be able to give you some information and some comfort too. So I'll wait until we get to that section because there is a little bit that's dedicated to that for you to have a look at and understand. Is that okay? Yeah. Beautiful. The next page is the investment option. So this is the part where with the market movement, so being out of the market that we talked about potentially timing risks, for example. So that Bennelong Australian Equities one, that's the underperforming one that we're getting out of. So that's that top one there. We're also going to remove the Global Battery Tech and Lithium and the BetaShares Australian Bank Hybrid in full along with the VanEck Australian Property and the BetaShares Raffi Australian two hundred. You'll see that they're all... All those figures are red. Sorry? Yeah. Yep. Yeah. So we're moving out of those. So the way the portfolio is structured, there's two different types. If you think about your core your core being your big holding ones, so that will be your Australian shares exposure, your international share exposure. So they're the core of your portfolio, basically. And then we have satellite investments that float around those, and they're designed to provide additional exposure to different growth aspects of the market in niche areas. So for example, as we move through this, we're we're moving out of the bulk of our... All the estranged share equity exposure of Bennelong is getting removed. And you'll see down the bottom of that first page, the beta shares Australia 200, you're gonna have about 44,000 invested in that. That's your Australian share exposure. So that's one of your core investment options. We're then moving exposure, which you already have, in exposure, which you already have, in the iShares core composite bond. So you currently have about $18,400 invested there. We're gonna be adding an additional 12,600 to increase that. So that's the core component of your defensive portfolio. So then the one below that again is your iShares S and P 500. You'll see you currently have 64,559 invested in that. That's your American shares exposure. So that's one of the core investments in your portfolio as well. So if you look at the the larger numbers, they're your core parts of your portfolio with your other ones being your satellite options. So one of your satellite options is gold, your physical gold and a physical gold ETF. Gold behaves in the market very differently to any shares. You probably see on the news that regularly that gold is up and down and up and down. That's that's one of those growth and defensive parts of the portfolio that just floats around your higher held Australian international shares to give you a little bit more diversification. The same with the cybersecurity that's below, reducing your exposure a little bit back down to 5%. Again, it's a... That's a gross... It falls within our gross portfolio, but it's a really niche sector. So cybersecurity is a... At the forefront of pretty much nearly everything these days at the moment with AI and everything that needs to happen in the background. So that's a really nice little tech exposure piece there that you have in the growth market, and it's been performing well to get... To give you that little bit of diversification. The ones that we're investing into that we haven't had in your portfolio before is iShares Europe, iShares Japan, and the Vanguard All World Fund excluding US. What we have done here is rather than including more niche markets like the battery tech and lithium, for example, we've gone with the approach of a different economy diversification. So having some European exposure, some Asian Japan exposure, and then your Vanguard all world. So that's the whole world market minus The US because we already have a significant exposure to The US market. So rather than large, like, several niche markets, what we've done is kept the cybersecurity and the gold in there as those niche kinda little markets that we want, but expanded your exposure across global economies rather than niche markets. Does that make sense? Or it's a lot of information. Yep. Correct. Yeah. Yep. Yeah. Yeah. No. I I understand what you're saying. Yep. They're your... Well, they're your gross still, your gross part of the portfolio. So still in the shares, property, etcetera, but they're the smaller allocation. So you've got your 8%, 5%, and 8%. So they're gonna float around your major holding within the iShares S and P five hundred. So that's your in... Yeah. That's your American share market, essentially. So a lot of our growth in portfolios, realistically, is the American share market where the big companies predominantly, let's call it, live. The Australian share market is quite concentrated to just Australia. We've got some great companies within there being the financials and the resources. But with the American share market, we have a lot more diversification abilities there. Lots of different, you know, companies, health care, financials as well. You've got your tech. You've got everything. Whereas Europe is a... They... Each each economy behaves a little bit differently depending on what's happening in the the world at any given time. So your iShares Europe, iShares Japan, and your Vanguard All World, they're still the gross investments being your shares, but they're more satellite. So they're... They'll float around basically, and they may act differently to the American market should a global event happen. So their behavior does depend on what's happening in the in the world and what the events are at that time. Any questions about that so far? Yep. Yes. That's... Well, yeah. That's always the aim. Yep. The next cup... Two pages are your asset allocation. So I've... We've included two here. The first one excludes your PSS scheme. So what this looks at is just your funds held in hub twenty four. So you'll see as a growth investor, we typically wanna see 80% of your funds invested in growth assets and 20 in defensive assets. What my recommendation is is that you're gonna have approximately just shy of 85% in growth assets and just over 15% in defensive assets. That figure will fluctuate and won't sit stagnant depending on what's going on with the market. So for example, if the share market takes a massive hike, that percentage figure is gonna increase because the growth of your portfolio for those investments has increased as well. So that's why it's important also to make sure we do keep up to date with the regular reviews to make sure that we are tracking towards your risk appetite being a growth investor. The next table include... I've included it showing your PSS scheme. So your accumulation and defined benefit and HUB 24 altogether. So you'll see the gross total sits at the... In the proposed column, the third one over, sits at about 74... Or let's call it 75% with your defensive sitting at about 25%. The reason why you're underweight and gross as a total, including your PSS scheme in relation to your risk profile of 8020% is that the PSS accumulation and defined benefit, they have less gross orientated investment. So their portfolios are structured differently. And being that the the defined benefit part of it isn't invested, so that does heighten the defensive part of the portfolio. Does that make sense? Yes. They're very... They're two separate. But for the full picture, what I've included it in the asset allocation just to show you that as a whole, including your PSS, you aren't invested completely as a gross risk profile. It's more just an an investment piece. But they are two different funds. Not investment piece, an information piece for you. Well, your defined benefit... Your PSS has two parts of it. There's the accumulation part of your your fund, and then there's the defined benefit. The defined benefit is a calculation based on retirement. The accumulation is invested, and I've got an account run down here that I can give it to. I'll just have a quick sneaky peek. Total balance, employer component. So you're invested in the default. So about 383,000, let's round it up, is invested in the accumulation option of your PSS member, and you're in the default option. So if I have a look at the default option to tell you what that's returned in the last little bit... Performance. They're both invested. It's just that your defined benefit part is not. And the accumulation is just invested differently to what we invest. So their portfolio structure's a little bit different. So for example, they have a higher fixed interest component sitting at about 12.25% and a higher cash component sitting at 13%. Whereas our portfolio, for example, if we look at the one excluding PSS, the allocation, you'll see that our cash and fixed interest total is about 15%, whereas PSSs with their total combined is about 25%. So that's why they're a little bit different. It's just the way the the managers invest their money. Yeah. So it's not sitting there doing nothing. Not at all. It's just invested differently and probably a little bit more conservative than your hub twenty four account. Yeah. So it's just that they've got more exposure to some defensive assets being a fixed interest in cash. And I'm sure that their mandate changes from time to time in relation... And, again, their figures would change again from time to time depending on what's going in the market also. So it's... Yeah. Just at the moment, theirs is a little bit more defensive, and ours is a little bit more, gross orientated. The next page is re... On a retirement income calculation. So this is where I said I'd talk to you more about retirement and your question is whether you needed to work more. So based on our conversations previously, you said you'd need likely about 2,000 per fortnight in retirement if you were debt free. Do you still think that's right? Yep. Yeah. We also talked about your retirement age being 65. Still correct? Yeah? Okay. So if we look at this little graph, which you might need to zoom in on, it's very small, the green section refers to your superannuation, and the light blue purple... Bluey purple color, I think you'd call it, is the age pension. So you can see from the age of 65 through till about 92, your superannuation fund and balance projected out is going to meet your income needs. From from the age of about 74, you're gonna start base... And, again, this is just based on today's legislation and, you know, pretty standard conservative returns to make sure that we don't overinflate anything. You've... At about 75, you become eligible for a part age pension, and then that increases from there. So what that does is that stop... That stops you drawing down as much on your super, and we only draw the difference. So you can see that you are on track. Hopefully, that gives you a little bit of peace of mind to what you're working towards. And, yeah, you're you're well within target, reaching your target. Sorry? I think... Let me double check. I'll just go back to our original notes. It says at about age 67 with 1,000 a week, but what you earn now is about $1,600 after tax. So depending on the debt situation and your debt free, we looked at a thousand dollars a week. Obviously, being 2,000 a fortnight, but you can... That's variable depending on... If you want me to send you through another quick calculation post meeting, I can do that with a different amount just to give you an idea of how that looks. I don't foresee it being an issue. Yes. Absolutely. Mhmm. Yeah. So that... Yeah. Of course. So what we do with that is we do base it on today's dollars. So we allow for the inflation. So you'll see a little bit below that, we allow for the inflation in today's dollars. So I can definitely get that done up for $1,500 a week. So you've got that for your information as well. Post our meeting, I'll send that through in an email for you. The next section is something... The next page is advice in relation to salary sacrifice. So this is building your superannuation further. Now this is something that I've considered as an alternative to you for a number of reasons. So I noted that from our conversation, you're making investments into Bitcoin and silver on a regular basis. What I considered as an alternative for you for you to consider is using those funds of a 156 per fortnight that you do in silver and Bitcoin and instead invest into your superannuation. There are a number of reasons why, which could also be in contradiction to why you choose to do Bitcoin and silver. So this this is, from me looking at your situation as a holistic picture, the reasons why is the funds will still be invested, but they're gonna be invested in a diversified market, not concentrated to Bitcoin and silver themselves. Adding the contributions to super is a tax effective environment. So once you do retire and meet a preservation aid... Your preservation aid, the income within that is tax free. So there's no capital gains tax, for example. There's no tax payable on you drawing an income, etcetera. The... With the Bitcoin and the silver and investments holding your personal name, there is capital gains tax that's applicable to those, and there's no tax benefit of you. You don't receive a tax benefit of you investing in it. So now that the 50%, you know, tax... CGT tax has been removed discount, the superannuation environment is a more tax effective or friendly option. What... On the following page, what I've done is a very simple table. You'll see that your income is stated. Column one represents your current position investing into crypto and silver. Column two removes that crypto and silver and instead puts it into a salary sacrifice arrangement into super. What it does is it reduces your taxable income by approximately... Oh, gosh. They should put those figures there. I can't even do math today. That's terrible, isn't it? Sorry? Oh, it still feels like the weekend. It's gonna reduce your taxable income rounding up that $2,800. So that's $2,800 you're not paying tax on, and then that money is, you know, used elsewhere. So you're gonna have a tax saving as well because you're not getting taxed on that full taxable income. It's it's the reduced amount post the salary sacrifice. What it means is the super contribution variance is an extra $3,448 going in a year, which even though... So when you're you're contributing to super, it's taxed at 15% when you go in. So your salary sacrifice, that that amount is taxed at 15%. However, that 15% is less than your marginal tax rate. So that's the benefit of it, the trade off. So you... From a tax perspective, it's gonna be beneficial for you personally now and in the long run. And also in retirement, it's gonna be beneficial. So the reason why I did include that is for those reasons. But the next page also covers off on your crypto and silver. So I've used a... It was very, very difficult because Bitcoin is an unregulated investment. So it's really difficult to get decent returns... Well, not decent returns, but find information on... As you know, the the market goes up and down a lot with Bitcoin. So to get factualized returns, we we relied on an ETF. So these returns are probably not like what you've seen in your Bitcoin experience, but they're conservative returns that we've used in this advice document. So I've assumed that a Bitcoin annualized returns, that means over the long term. So one year could be 33%. For example, in the next year, it could be negative 50%, and annualized return is the average of your return over the long term. So with Bitcoin, we did... We used 11.2, and with silver, 9.63. And they're based off ETFs that we use for those types of investments. We haven't put any fees in there because I wasn't aware of any fees within your platform... Trading platform that you use. But over a five year period, you'll... You could expect your balance while still doing your existing contributions to increase by those months, those amounts. So five years 20... Sorry? No. You're absolutely fine. So five years is a 28,000 lump sum, and seven years is a $41,000 lump sum. So the... What... The reason I have said, yep. Those are great those are great investments. You you know, I understand you wanting to do them and all of that. The reason why I recommended salary sacrifice as opposed to it is that at about 60 that you wanna... At 60 years of age, you wanna kind of look at reducing your working hours. Bitcoin and silver do carry high volatility. Their upsides, the potential upside is fantastic in those investment options, but it also falls within a significant risk level. And as you approach retirement, so we're in line with your goals and objectives, building your retirement savings, particularly, as you mentioned before, to know that it's gonna meet what you need in retirement, I felt that the salary sacrifice option, whilst not probably providing the same type of returns, is gonna help you meet those retirement objectives. Does that make... Sorry? Stable. It's more diversified. If you if you say that... Sorry. Yep. So what... With the salary sacrifice, where you'd be directing that is to your HUB twenty four account. So you you know how that HUB twenty four account goes up and down as well? That's where that money is going. So it's going into your superannuation fund. So it's still invested within the market, but like we talked about before, it's diversified across lots of different sections of the market rather than being centralized to silver and Bitcoin. So you still will have that volatility, but you won't have that significant volatility that you experience in Bitcoin and silver because the money is spread out and diversified. Does that make sense? Yeah. Any questions? It is a lot to take. Yep. Mhmm. It is completely up to you. Whatever recommendations I'm making here, you are not bound to proceed with them. My job is to give you the recommendations to reach your goals and objectives. You don't have to implement them. It's completely up to you. Okay? So the information's all here for you to consider. And I don't... And also just to be very, very clear, I'm not recommending you sell any of your existing investments. I'm recommending that you redirect that money that you purchase, used to purchase fortnightly, 154 in total, to super instead. Yep. Just to be clear, I didn't wanna make that unclear in any way. Yep. Yeah. Mhmm. Yeah. Yeah. I can understand that. Yep. Yeah. That's absolutely fine. And and when you're ready to look at salary sacrifice, that's something that we can absolutely help with. Sorry? No. That's okay. Yeah. It's not a great line. That's alright. Okay. So the next page is your... Is to apply for an increase in income protection. So your monthly benefit falls short by approximately $2,015 a month. We've recommended increasing it, and what this policy covers is your income should you be unable to work due to injury or illness up to 70%. The premium here is indicative at this stage. We're just waiting on Tal to confirm the final amount. But what they have said and come back to us is that based on a pre assessment, there would be loadings applied to new cover, not your pre assessment, and that's where they just speak with the insurance company to understand if there's any loadings or exclusions that would be applied to insurance policies. So based on that, when that was done, due to your... Sorry. I'm just jumping into a different page. Your blood pressure, there's likely to be a loading. Now that loading will be on your income protection up to 75% of the new premium only. But if they they have said what they do is they'll arrange a nurse to come out and take some bloods from you at no cost to yourself. And if those blood tests indicate reading that Tal is is wanting to see, then that that loading could potentially be reduced down to 50% for income protection. So that premium can vary a little bit at the moment when not... When nothing's set in stone. And then also with any trauma and trauma insurance that we're looking at, there will be a 50% loading also. Any questions about that? Okay. Yeah. Yep. Yep. No. No. Because this is private. So the insurance companies use a health service. So, yeah, the nurses will come out to you directly. They'll phone you, like, when we get to that stage, if we get to that stage, they'll... It will be covered and arranged and funded through the insurance company. It's not through Medicare or anything like that. So... Yeah. So what I've done is I've recommended and increased your monthly benefit $2,015.52. Same waiting period being thirteen weeks, so ninety days, and a two year benefit period funded from super. At the moment, it's sitting at $1,048.18 extra per annum with the caveat that that that could potentially be more or less depending on results of blood tests. So we won't know exactly a 100% until that time. And then at that time, you could make a decision anyhow, but I just wanna make that really clear at the moment. Any questions about that? No? No? Sorry? Yeah. There's a there's a few factors that they do take into consideration with underwriting. And, yeah, it's more... It's probably a combination of your blood pressure and... It's cholesterol. Is that correct? No. Sorry. Yeah. The blood pressure. Sorry. And your... Let's have a look. Alright. That's okay. But... Yeah. So we would have a better understanding of that once that's done, what the price would be. You also asked me to just have a look at trauma insurance, which is the amount that... The type of cover that covers you if you're diagnosed with a specific health condition being... And they range from cancer, heart attack, stroke. We looked at that for... To help with some out of pocket expenses and a lump sum to help with the recuperation period. And with the loading, that comes out at approximately $223.88 per month, and that has to be paid from your personal cash flow as it's unable to be paid from super. Yes. Yep. So that's there for your information for you to consider there. So, basically, the recommendation, to summarize, is to increase your income protection to make sure you can cover the most you can of your income if you're covered if you are injured or unable to work due to illness, and that the trauma insurance has been recommended should you be diagnosed with a critical event. No. Yeah. That's fantastic news. Yeah. Yeah. That's absolutely fine. Absolutely fine. With the income protection, what were you thinking? Well, based on your income of 125,500, the you aren't... You you do have a shortfall of about 2,000 that you can insure for your income. So if you were injured now, right now, I'm gonna jump back to... Or unable to work due to illness, for example, the maximum you'd receive per month is $5,304. Yes. Yep. So if we go to the next pay... Oh, not the next page. Let's call it page 34. It does show you the impact. So... Of the premium on your balance. So there's a little table there that says premium five year impact, eleven year impact. So eleven year being for retirement, current, and recommended. So it does have a impact on your balance, most certainly. You can see from those tables and those figures. Even just the small amount a thousand dollars makes a year can have a big difference, But to weigh the option as well is if you are unable to work or or you were injured, could you meet your income needs based on your current sum insured? Yep. Yep. That's alright. No. I I hear you. I'm the same. Alright. So that's okay. I'll make a note of that. The risks of implementing the income protection is that you're gonna pay more for it, which we've just talked through. We do need to go through the application process again, so there will be a... You will need to complete a application and being the health questions and all that when you applied for your original policy for the increase in that small amount of cover, but any loadings will not be applied to your existing cover. It's only the new cover you're taking out now. So we won't be touching the existing because we don't want to put you in a worse off position. That's okay. The next the next nominate... Recommendation is making a beneficiary nomination. We've recommended making it to your estate, and in conjunction with that is establishing a will to make sure that your superannuation is, and your superannuation and life insurance, I should say, is distributed as per your wishes. Is there any changes you'd like to make to the beneficiary nomination, or you're happy for it to go to your estate? What were your thoughts there? Yes? Yep. We can definitely nominate him. The... So the only difference between nominating him versus your will, and I'll just explain it very quickly, is about 2% in tax, what it comes down to. So when you nominate an adult child, they're not a financial dependent for superannuation law. So what happens is if they're paid a benefit, they're taxed at 17%. So that's 15% plus 2% Medicare that the government will tax the benefits on. If it is paid to your will, it will be 15% only. So you will save... The estate will save on the 2% Medicare. So we can certainly name your son as the beneficiary, but just so you're aware, that's how it will be taxed. A matter of when. That's right. Isn't it? Correct. Yep. That's okay. Did you want me to have the... Sorry? It's something you should definitely speak to a solicitor about. They can definitely give you advice on that. They're called testamentary trusts. A testamentary trust. So what that means is the trust is established on your passing. So it doesn't let... It's not existent until your will comes into effect, essentially. And then the the guarantor... Sorry. The guarantor... The executor will set the estate up as per the instructions in the will. So definitely, if you're concerned about any financial vulnerability or questionable decisions or exposure to any creditors or anything like that, a testamentary trust is something you can explore with the advice of a solicitor. In the meantime, yeah. Yeah. In the meantime, did you wanna nominate Gabrielle as your beneficiary? Alright. I'm I'm... To make sure the forms are filled out correctly, I'm gonna check all the spelling. Gabrielle is g a b r I e l. Is that correct? And and same surname? Lovely. Yes, please. Lovely. And what's his date of birth? Yes. Two thousand and six. Lovely. Thank you for that, Carmen. Alright. I can make sure that is updated. So there'll be forms for that also. So do you have a solicitor you can talk to about estate planning? That's okay. We have someone that we do work with that's quite reasonable. I may have sent it to you following our review because I do offer it to everyone, but what I can do is resend it to you if you like. They can do it over the phone with you as well and talk about those. And I can also include a brochure for a testamentary trust if you like. Yeah. That... That's absolutely fine. And then the... One of the last recommendations is a part of that estate planning is to establish a power of attorney, which goes allow somebody to make decisions on your behalf if you're unable to. What's... Sorry? Yes. Yes. It usually is. Yeah. So it could be a friend, a a sibling, a relative, or somebody that you trust to make those decisions on your behalf for health and financial decisions if you're unable or incapacitated in any way. The final parts of this document is ongoing service. So as you know, the ongoing service doesn't change. We'll do conduct our reviews. We're here at any time should you need to seek further advice or have any questions. No changes there. The important... That's okay. The important information is, you know, that we do conduct our reviews when when they come due to make sure that everything sits right. And remuneration wise, no changes to your superannuation fee. Well, on the next page, that's right slightly higher by a few dollars, but we do get paid commission from the insurance company on policies that I've put in force. So if you do proceed with that insure... That increase of income protection, we can be paid up to about $2,500 for that from the insurance company, not from you. The next page just shows the ongoing adviser fee from your super funds and then the ongoing commission that we already received from your existing policies. The next page is just cover off on the authority to proceed, cover off on those headline strategies that we talked through and how to implement the advices spoken through following that with a summary of the remuneration again at the top. The page 52, which is the second last page, you'll see that there's a big blank box. That's where we'll get you to type in the parts that you do... Of the advice that you wish to vary. So for example, you mentioned you don't wanna look at the trauma insurance or the salary sacrifice at the moment. What I would ask you to do once you've had the chance to review the document and you're happy to proceed is to write in there what you do not want to proceed with out of the... All the advice and then sign the document. And that gives us then the the clear directions on what to implement for you on your behalf. Yes. That's right. Yeah. No. Yeah. Just what you what you don't want to... And then, you know, happy to proceed with everything else, for example. Yep. Yep. Yep. Yep. Yes. Yeah. Yep. Fantastic. Well done. That's really good. There's not a lot of people that proactively manage their health, so fantastic. That's really good. I understand that. Yeah. That's right. That's exactly right. Yeah. I understand that. And they're they're brilliant goals to have. And I don't think people probably think forward that far enough to plan that far ahead. So that's fantastic that you've got those goals set. I think it's great. Given me food for thought too. And the final page of that is the adviser declaration. So that's just me saying that I am authorized to provide advice on the products I've given you. I've given you a financial services guide, which we I gave in our last review meeting. I've given you the product disclosure statements, which are in this lovely document... Attached to this lovely document that you've received. And then the next document over is the appendix to the statement of of advice. So that that is running through that. There's a risk profile page. So that will go... It shows you the different types of risk profile. You're down the middle there as a growth investor, and it just shows you the typical typical allocation would have to different sectors. The... This... Oh, yes. Sorry. Yes. Hit the next button. Sorry. That's my mistake there. You shouldn't have to. If you just try hitting next again. Yeah. It shouldn't do that. I wonder if it's how it's been set. Did you want me to just talk through the appendix? It's basically just factual information. Nothing specific like the document we've actually talked through. I'm just trying to think the best way to navigate that, and and it won't let you at all. Okay. Let me jump in in the background. Let's see. No. It won't let me change it. I might just explain it. Is that okay? And what... I mean, if... I don't want you to sign the statement of advice because you haven't had the chance to read it in full and understand it and come back with any questions that you could possibly have. So I'll just talk through the appendix. It's a generalized table that talks through the risk profile, so it will show you the difference between a balanced, balanced growth, growth, high growth, and aggressive investor. And they've all got different allocations that we typically invest in to the growth and defensive portfolio, but then it breaks it down further to the Australian shares, international share markets, and so on. The important information and relationship part of this document is the same for everybody. It is general notifications that the contents of the SOA is based on the information that you have provided to me, and I've taken all reasonable steps to ensure that it's correct. The advice is solely prepared for you as it is specific to your personal situation. So showing it with a friend, for example, wouldn't be beneficial to them because it's not based on their personal situation. The currency of the SOEs, SOA means that the advice and the document is valid for sixty days. After sixty days, we just need to restart the process again. And the reason for that is that client situations can change within a sixty day period. So we do make sure that we revisit to make sure all the information is updated and corrected, and we do start the process again. The no product guarantee, so we can't guarantee investment markets will do what we want them to do. I wish. So it's it's just saying that historical performance, again, is not a a forecast of future performance. Projections, we've done those based on conservative figures. They're not forecast. They're just they are forecast, and they... They're not forecast, and they shouldn't be relied on forecast... As forecast. They're simply projections based on conservative figures to help clients understand what they're working towards. In there is some links in the appendix to the investment options. So you know how I talked you through. We're changing some of the underlying investment options in your hub twenty four account. The links to those in actual investment funds are in that document. And then... Sorry. We yep. Yep. So, yeah, I can send you this post down meeting. I'll just add it to an email as a PDF for you. Yep. That's okay. It also just explains your investment return. So in the document where I talked through what you can expect your super balance to be, this one's pretty important, and I'll reference it in the email to you. It just shows you those projected returns and fees with no salary sacrifice option. So that's the... Those are the returns and the fees that you can expect to see because we're not gonna proceed with the salary sacrifice at the moment. So I'll I'll outline that in the email. And then it... I did consider other insurance companies. So there's a couple of other insurance companies in there for trauma insurance. They were discounted because their loadings were higher than what TAO was offering. And then the same as always, there is an information piece at the end of that document that explains life insurance that's held through super and how that works. And then on the back of that is the PDF for the Cal insurance income protection is the updated PDF. So that's all those documents. I'm gonna put that appendix and the PDF on an email for you so you have that to review. And what I would ask is read through that document. If you have any questions before you sign, please reach out whether it be email or a phone call. I'll make the time to run through any questions that you have before you are happy to proceed. Yeah. That's absolutely fine. I just... I'd I'd like to make sure that any information... Any... Like, that you're... You have informed consent so you understand exactly what it is that we're doing and the purpose and everything. So I'm gonna pop those on an email to you now, and you should have those momentarily. Yeah. Yeah. So then following that, what will happen is members of our team will reach out to you of our implementation team to fill out the... You'll receive beneficiary forms to update the beneficiary to, Gabrielle, and, a member of our team will reach out to you to start the, application process to increase the insurance premium... Oh, the income protection policy. That's okay. And, actually, while I've got you, let me double check to make sure the ID we have on you on file has not expired. It has. So can I also ask? I'll put in an email as well. If you can just take a photo of the front and back of your driver's license and send that back to me. Sure. And, additionally, what I'm gonna send you is a link separate to the email you're gonna get from me now. I'll send it within the next hour. I... It'll be a link from the f... It'll say f triple a safe ID. What that does is we're required by law to make sure that people are estranged citizens, residency for tax purposes, whether they're politically exposed people, all those types of things. And this service being the f triple a, which is the Financial Advice Association of Australia, offers this service to us. We pay for it, and it's just you completing your details. It runs a check-in the background against all the government databases and gives us an answer so that we can make sure that we've fulfilled our obligations in relation to our legislative requirements as an advice... As an... A financial advice firm. So if I can... I'll send that to you just so you... When you receive it, you know that it's not spam, and I'll mention it in the email as well just so you know it's not. Beautiful. Alright, Carmen. Well, again, any questions that you have once you have gone through it, please reach out. Okay? Thanks, Carmen. Enjoy your afternoon. Bye. 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Is this Carmen? Carmen, it's Jenna here phoning from Oakview Financial. How are you today? I am good.\n\nThank you. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Fantastic. And, Carmen, can I please ask you to confirm your client password?\n\nSorry? Yes. Sorry. You dropped out. Yes.\n\nThat's correct. Thank you. The reason I'm calling today is just to run through the advice presentation that we talked about from our last review just to make the recommended changes. Do you still have time for that? Wonderful.\n\nI sent you an email probably about five minutes ago with some... A similar to the review process with a a link to sign here through OdooSign and from myself. The the documents we're gonna talk through are contained in that sign here option if you're able to access your emails. Lovely. Thank you.\n\nSo if you can just confirm when you have those... That opened, I can begin talking you through. Lovely. Thank you. So the first page you should see is a cover page that says statement of advice prepared for yourself, and it's prepared by myself, Jenna Wheeler, and with my authorized details and Oakview's details.\n\nThe next page... Sorry. I'm just gonna move that away there. The next page covers off on what this document contains and our best interest duties. So as advisers, our best interest duties apply that we...\n\nAny financial or personal info... Information and advice is specific to your needs. Any incomplete or inaccurate information can impact the basis of the advice. So if anything hasn't been provided correctly, we always consider that the recommendation made has to put you in a better position and suit your circumstances and in your best interests. That's what that page outlines.\n\nThe next one is a table of contents followed by the scope of advice including your goals and objectives. So this document... Well, this section, I'm gonna... It's gonna explain what we're addressing in this advice document today. So the goals and objectives that we are addressing is your superannuation.\n\nSo one of the topics we spoke about in your recent review was underperforming investments, making sure your portfolio is invested in this... In line with your risk profile. We also spoke about the ability to make recommendations to superannuation. So that is included in here also. Additionally, on the next page with insurances, you mentioned that you're happy with your level of life and TPD cover.\n\nYou would like to understand what trauma insurance covers and what the cost would be. And if you're able to look at increasing your income protection from insured now that your income has increased. Estate planning is also making sure that somebody is able to look after Gabe and make sure he is not taken advantage of should something happen to you. The items that we're not addressing in this advice document is your retirement goals. It...\n\nDue to... As retirement is quite some time away at the moment, we're not looking at any retirement specific strategy. So that would be, for example, a transition to retirement or other type of retirement specific strategy... Strategies. We're preparing for retirement but not recommending it at the moment.\n\nDoes that make sense so far? Yeah. Yes. That's right. The next couple of things that aren't considered also is the budget and savings.\n\nSo you've started saving a $100 per fortnight for your trip to Greece next year. Debt, you wanna reduce your personal debt and potentially purchase a house in the future. So those two aren't covered within this statement of advice. Lovely. Then this limited advice section just covers off on the areas that I am not able to obtain advice in.\n\nSo I'm not a lawyer or a legal practitioner, so I can't draft that will or estate planning documents. Legal attorney does need to do that. I can't provide advice in regards to general insurance. I can provide tax advice in relation to financial planning, but but not tax return advice, for example. Beautiful.\n\nThank you. The next couple of pages are there about you. So it covers off on your personal situation, including your occupation, income, marital status, dependents, assets and liabilities, your superannuation, and your current insurance portfolio. And that's all the information that we obtained and talked through on your recent and your review. Page 11 talks about your risk profile.\n\nSo, again, referring back to our review, we talked through your appetite to risk and having a growth risk profile, which is an 20% split, if you recall. So 80% to growth assets and 20% to defensive assets. Is that still applicable? Yep. Lovely.\n\nAlright. Sorry? Yes. Exactly. Fantastic.\n\nOkay. The next section is where we're gonna talk about the actual strategy. So this is where the crux of it... Of the actual advice live. The first recommendation on page 13 is that PSS will be retained due to...\n\nIn its own form in... Due to, you know, the limitations and restrictions of the scheme itself. So that will continue to sit where it is and not be touched until there comes time that you meet a condition of release. But in relation to your Hub twenty four superannuation fund, the one that we manage on your behalf, we have reviewed the investment options which I talked to you about. And I've actually recommended not only replacing those underperforming investments being the ban along and the phasing out of the hybrid options, but I've recommended a little bit of a restructure of your portfolio.\n\nAnd what... In considering that, what I've also considered is any potential CGT implications that are internal to the fund, not you personally. And based on all those things that I considered, which is within this document, being eleven years away from retirement, the preliminary modeling does show us that it's gonna have a greater outcome, which I'll cover off in a couple of more pages. The recommended portfolio does use lower cost investments with strong and consistent consistent performance history. So by reducing the ongoing fees, we're giving your balance a little bit more room to grow by reducing those investment fees.\n\nIn addition... Oh, sorry. I pressed the wrong button. And then I've rebalanced it to make sure that it is back within that the guide time... The guidelines of the 8020 split for a growth profile.\n\nThe the advantages are that, again, lesser in... You'll have lesser ongoing investment phase. The disadvantages, though, are there is a capital gains tax of approximately $55.03 that will be paid within the HUB24 super platform. So that's not you personally. The the superannuation fund is...\n\nYour super balance, sorry, is charged up. So to make those changes... Sorry? It's only a one off. So it's a capital gains tax.\n\nSo because the portfolio has made a gain, even with that... The underperforming better long fund, what I've recommended you switch into does realize a little bit of a capital gain. So it's not an ongoing annual fee. It's just a one off, and it's $55.03. Does that make sense?\n\nLovely. Okay. I did consider other alternatives. Like, I considered another platform potentially. Essentially, I discounted that one because they do have higher brokerage fees.\n\nSo when funds are sold and traded upon compared to HUB 24. And also, if I did do that, the capital gains tax would be nearly $3,000 rounded up. So that is not actually in your best interest. It would take a quite a significant amount of time with the fee reduction and then to offset that CGT. So that was just discounted pretty quickly.\n\nThe risks involved are always... There's no guarantee of the recommended investment portfolio portfolio outperforming any other portfolio. Future legislative or regulatory changes can occur, so access to super is currently sixty years of age, for example. That could change based on legislation, and I'm just using that as an example as what legislative risks are. And as we are moving investments around in the background, you know, investments may rise or decline during that time.\n\nSo there is a a little bit chance there of missing out on potential gains. Any questions there? Yes. Yeah. Yep.\n\nYeah. So we're not... You... Once in a couple of pages, I'll actually... You'll actually see what we're moving out of and what we're keeping.\n\nSo that can actually give you a little bit more confidence and information to make an informed decision. That's okay. The next page covers off on the fee comparisons between... We've included PSS here for you anyway because those fees don't change. They'll be the same for you this estimated coming twelve months they're based on.\n\nBut you'll see the hub ones are the ones that I wanna focus on. So the second line being the investment fee, you're gonna have a $467 saving per annum on the investment fee. So that'll go from 925 down to about 458. The adviser the adviser fee does increase a tiny little bit by $64 just based on your balance when we produced the statement of advice. And we have actually made a recommendation of contributions to super, so you'll see that they vary a little bit of approximately 3,448.\n\nI'm gonna touch on that in a moment. And then your insurance premium. So I did look at your income protection, and I have made a recommendation within here which is further on and we'll cover off, but that's... Your your insurance premiums are are included in here also. What it means for you personally by making the investment recommendations, on the next page down, we have the projected balance.\n\nSo in five years' time, in the current portfolio, we'd be looking at about... So this is with your two combined, your PSS and Hub combined of 800 and 2,473. The recommended portfolio within Hub, so this allows for the accumulation of part of PSS and their investment returns, historical we use, and then the hub one as well with the defined benefit. So if you look at the figures in green, in five years, we believe you'll be better off by $52,800 by changing the portfolio within hub, and in ten years, a $160,187 based on the portfolio. So we just use the conservative figures there.\n\nSo... And any projections there, we've just used the PSS historical returns to include. So you can kinda see the whole picture rather than just part of it. Sorry. That really comes down to...\n\nI think a little bit further on, we'll cover off on the retirement. There is a little bit of a projection there that might be able to give you some information and some comfort too. So I'll wait until we get to that section because there is a little bit that's dedicated to that for you to have a look at and understand. Is that okay? Yeah.\n\nBeautiful. The next page is the investment option. So this is the part where with the market movement, so being out of the market that we talked about potentially timing risks, for example. So that Bennelong Australian Equities one, that's the underperforming one that we're getting out of. So that's that top one there.\n\nWe're also going to remove the Global Battery Tech and Lithium and the BetaShares Australian Bank Hybrid in full along with the VanEck Australian Property and the BetaShares Raffi Australian two hundred. You'll see that they're all... All those figures are red. Sorry? Yeah.\n\nYep. Yeah. So we're moving out of those. So the way the portfolio is structured, there's two different types. If you think about your core your core being your big holding ones, so that will be your Australian shares exposure, your international share exposure.\n\nSo they're the core of your portfolio, basically. And then we have satellite investments that float around those, and they're designed to provide additional exposure to different growth aspects of the market in niche areas. So for example, as we move through this, we're we're moving out of the bulk of our... All the estranged share equity exposure of Bennelong is getting removed. And you'll see down the bottom of that first page, the beta shares Australia 200, you're gonna have about 44,000 invested in that.\n\nThat's your Australian share exposure. So that's one of your core investment options. We're then moving exposure, which you already have, in exposure, which you already have, in the iShares core composite bond. So you currently have about $18,400 invested there. We're gonna be adding an additional 12,600 to increase that.\n\nSo that's the core component of your defensive portfolio. So then the one below that again is your iShares S and P 500. You'll see you currently have 64,559 invested in that. That's your American shares exposure. So that's one of the core investments in your portfolio as well.\n\nSo if you look at the the larger numbers, they're your core parts of your portfolio with your other ones being your satellite options. So one of your satellite options is gold, your physical gold and a physical gold ETF. Gold behaves in the market very differently to any shares. You probably see on the news that regularly that gold is up and down and up and down. That's that's one of those growth and defensive parts of the portfolio that just floats around your higher held Australian international shares to give you a little bit more diversification.\n\nThe same with the cybersecurity that's below, reducing your exposure a little bit back down to 5%. Again, it's a... That's a gross... It falls within our gross portfolio, but it's a really niche sector. So cybersecurity is a...\n\nAt the forefront of pretty much nearly everything these days at the moment with AI and everything that needs to happen in the background. So that's a really nice little tech exposure piece there that you have in the growth market, and it's been performing well to get... To give you that little bit of diversification. The ones that we're investing into that we haven't had in your portfolio before is iShares Europe, iShares Japan, and the Vanguard All World Fund excluding US. What we have done here is rather than including more niche markets like the battery tech and lithium, for example, we've gone with the approach of a different economy diversification.\n\nSo having some European exposure, some Asian Japan exposure, and then your Vanguard all world. So that's the whole world market minus The US because we already have a significant exposure to The US market. So rather than large, like, several niche markets, what we've done is kept the cybersecurity and the gold in there as those niche kinda little markets that we want, but expanded your exposure across global economies rather than niche markets. Does that make sense? Or it's a lot of information.\n\nYep. Correct. Yeah. Yep. Yeah.\n\nYeah. No. I I understand what you're saying. Yep. They're your...\n\nWell, they're your gross still, your gross part of the portfolio. So still in the shares, property, etcetera, but they're the smaller allocation. So you've got your 8%, 5%, and 8%. So they're gonna float around your major holding within the iShares S and P five hundred. So that's your in...\n\nYeah. That's your American share market, essentially. So a lot of our growth in portfolios, realistically, is the American share market where the big companies predominantly, let's call it, live. The Australian share market is quite concentrated to just Australia. We've got some great companies within there being the financials and the resources.\n\nBut with the American share market, we have a lot more diversification abilities there. Lots of different, you know, companies, health care, financials as well. You've got your tech. You've got everything. Whereas Europe is a...\n\nThey... Each each economy behaves a little bit differently depending on what's happening in the the world at any given time. So your iShares Europe, iShares Japan, and your Vanguard All World, they're still the gross investments being your shares, but they're more satellite. So they're... They'll float around basically, and they may act differently to the American market should a global event happen.\n\nSo their behavior does depend on what's happening in the in the world and what the events are at that time. Any questions about that so far? Yep. Yes. That's...\n\nWell, yeah. That's always the aim. Yep. The next cup... Two pages are your asset allocation.\n\nSo I've... We've included two here. The first one excludes your PSS scheme. So what this looks at is just your funds held in hub twenty four. So you'll see as a growth investor, we typically wanna see 80% of your funds invested in growth assets and 20 in defensive assets.\n\nWhat my recommendation is is that you're gonna have approximately just shy of 85% in growth assets and just over 15% in defensive assets. That figure will fluctuate and won't sit stagnant depending on what's going on with the market. So for example, if the share market takes a massive hike, that percentage figure is gonna increase because the growth of your portfolio for those investments has increased as well. So that's why it's important also to make sure we do keep up to date with the regular reviews to make sure that we are tracking towards your risk appetite being a growth investor. The next table include...\n\nI've included it showing your PSS scheme. So your accumulation and defined benefit and HUB 24 altogether. So you'll see the gross total sits at the... In the proposed column, the third one over, sits at about 74... Or let's call it 75% with your defensive sitting at about 25%.\n\nThe reason why you're underweight and gross as a total, including your PSS scheme in relation to your risk profile of 8020% is that the PSS accumulation and defined benefit, they have less gross orientated investment. So their portfolios are structured differently. And being that the the defined benefit part of it isn't invested, so that does heighten the defensive part of the portfolio. Does that make sense? Yes.\n\nThey're very... They're two separate. But for the full picture, what I've included it in the asset allocation just to show you that as a whole, including your PSS, you aren't invested completely as a gross risk profile. It's more just an an investment piece. But they are two different funds.\n\nNot investment piece, an information piece for you. Well, your defined benefit... Your PSS has two parts of it. There's the accumulation part of your your fund, and then there's the defined benefit. The defined benefit is a calculation based on retirement.\n\nThe accumulation is invested, and I've got an account run down here that I can give it to. I'll just have a quick sneaky peek. Total balance, employer component. So you're invested in the default. So about 383,000, let's round it up, is invested in the accumulation option of your PSS member, and you're in the default option.\n\nSo if I have a look at the default option to tell you what that's returned in the last little bit... Performance. They're both invested. It's just that your defined benefit part is not. And the accumulation is just invested differently to what we invest.\n\nSo their portfolio structure's a little bit different. So for example, they have a higher fixed interest component sitting at about 12.25% and a higher cash component sitting at 13%. Whereas our portfolio, for example, if we look at the one excluding PSS, the allocation, you'll see that our cash and fixed interest total is about 15%, whereas PSSs with their total combined is about 25%. So that's why they're a little bit different. It's just the way the the managers invest their money.\n\nYeah. So it's not sitting there doing nothing. Not at all. It's just invested differently and probably a little bit more conservative than your hub twenty four account. Yeah.\n\nSo it's just that they've got more exposure to some defensive assets being a fixed interest in cash. And I'm sure that their mandate changes from time to time in relation... And, again, their figures would change again from time to time depending on what's going in the market also. So it's... Yeah.\n\nJust at the moment, theirs is a little bit more defensive, and ours is a little bit more, gross orientated. The next page is re... On a retirement income calculation. So this is where I said I'd talk to you more about retirement and your question is whether you needed to work more. So based on our conversations previously, you said you'd need likely about 2,000 per fortnight in retirement if you were debt free.\n\nDo you still think that's right? Yep. Yeah. We also talked about your retirement age being 65. Still correct?\n\nYeah? Okay. So if we look at this little graph, which you might need to zoom in on, it's very small, the green section refers to your superannuation, and the light blue purple... Bluey purple color, I think you'd call it, is the age pension. So you can see from the age of 65 through till about 92, your superannuation fund and balance projected out is going to meet your income needs.\n\nFrom from the age of about 74, you're gonna start base... And, again, this is just based on today's legislation and, you know, pretty standard conservative returns to make sure that we don't overinflate anything. You've... At about 75, you become eligible for a part age pension, and then that increases from there. So what that does is that stop...\n\nThat stops you drawing down as much on your super, and we only draw the difference. So you can see that you are on track. Hopefully, that gives you a little bit of peace of mind to what you're working towards. And, yeah, you're you're well within target, reaching your target. Sorry?\n\nI think... Let me double check. I'll just go back to our original notes. It says at about age 67 with 1,000 a week, but what you earn now is about $1,600 after tax. So depending on the debt situation and your debt free, we looked at a thousand dollars a week.\n\nObviously, being 2,000 a fortnight, but you can... That's variable depending on... If you want me to send you through another quick calculation post meeting, I can do that with a different amount just to give you an idea of how that looks. I don't foresee it being an issue. Yes.\n\nAbsolutely. Mhmm. Yeah. So that... Yeah.\n\nOf course. So what we do with that is we do base it on today's dollars. So we allow for the inflation. So you'll see a little bit below that, we allow for the inflation in today's dollars. So I can definitely get that done up for $1,500 a week.\n\nSo you've got that for your information as well. Post our meeting, I'll send that through in an email for you. The next section is something... The next page is advice in relation to salary sacrifice. So this is building your superannuation further.\n\nNow this is something that I've considered as an alternative to you for a number of reasons. So I noted that from our conversation, you're making investments into Bitcoin and silver on a regular basis. What I considered as an alternative for you for you to consider is using those funds of a 156 per fortnight that you do in silver and Bitcoin and instead invest into your superannuation. There are a number of reasons why, which could also be in contradiction to why you choose to do Bitcoin and silver. So this this is, from me looking at your situation as a holistic picture, the reasons why is the funds will still be invested, but they're gonna be invested in a diversified market, not concentrated to Bitcoin and silver themselves.\n\nAdding the contributions to super is a tax effective environment. So once you do retire and meet a preservation aid... Your preservation aid, the income within that is tax free. So there's no capital gains tax, for example. There's no tax payable on you drawing an income, etcetera.\n\nThe... With the Bitcoin and the silver and investments holding your personal name, there is capital gains tax that's applicable to those, and there's no tax benefit of you. You don't receive a tax benefit of you investing in it. So now that the 50%, you know, tax... CGT tax has been removed discount, the superannuation environment is a more tax effective or friendly option.\n\nWhat... On the following page, what I've done is a very simple table. You'll see that your income is stated. Column one represents your current position investing into crypto and silver. Column two removes that crypto and silver and instead puts it into a salary sacrifice arrangement into super.\n\nWhat it does is it reduces your taxable income by approximately... Oh, gosh. They should put those figures there. I can't even do math today. That's terrible, isn't it?\n\nSorry? Oh, it still feels like the weekend. It's gonna reduce your taxable income rounding up that $2,800. So that's $2,800 you're not paying tax on, and then that money is, you know, used elsewhere. So you're gonna have a tax saving as well because you're not getting taxed on that full taxable income.\n\nIt's it's the reduced amount post the salary sacrifice. What it means is the super contribution variance is an extra $3,448 going in a year, which even though... So when you're you're contributing to super, it's taxed at 15% when you go in. So your salary sacrifice, that that amount is taxed at 15%. However, that 15% is less than your marginal tax rate.\n\nSo that's the benefit of it, the trade off. So you... From a tax perspective, it's gonna be beneficial for you personally now and in the long run. And also in retirement, it's gonna be beneficial. So the reason why I did include that is for those reasons.\n\nBut the next page also covers off on your crypto and silver. So I've used a... It was very, very difficult because Bitcoin is an unregulated investment. So it's really difficult to get decent returns... Well, not decent returns, but find information on...\n\nAs you know, the the market goes up and down a lot with Bitcoin. So to get factualized returns, we we relied on an ETF. So these returns are probably not like what you've seen in your Bitcoin experience, but they're conservative returns that we've used in this advice document. So I've assumed that a Bitcoin annualized returns, that means over the long term. So one year could be 33%.\n\nFor example, in the next year, it could be negative 50%, and annualized return is the average of your return over the long term. So with Bitcoin, we did... We used 11.2, and with silver, 9.63. And they're based off ETFs that we use for those types of investments. We haven't put any fees in there because I wasn't aware of any fees within your platform...\n\nTrading platform that you use. But over a five year period, you'll... You could expect your balance while still doing your existing contributions to increase by those months, those amounts. So five years 20... Sorry?\n\nNo. You're absolutely fine. So five years is a 28,000 lump sum, and seven years is a $41,000 lump sum. So the... What...\n\nThe reason I have said, yep. Those are great those are great investments. You you know, I understand you wanting to do them and all of that. The reason why I recommended salary sacrifice as opposed to it is that at about 60 that you wanna... At 60 years of age, you wanna kind of look at reducing your working hours.\n\nBitcoin and silver do carry high volatility. Their upsides, the potential upside is fantastic in those investment options, but it also falls within a significant risk level. And as you approach retirement, so we're in line with your goals and objectives, building your retirement savings, particularly, as you mentioned before, to know that it's gonna meet what you need in retirement, I felt that the salary sacrifice option, whilst not probably providing the same type of returns, is gonna help you meet those retirement objectives. Does that make... Sorry?\n\nStable. It's more diversified. If you if you say that... Sorry. Yep.\n\nSo what... With the salary sacrifice, where you'd be directing that is to your HUB twenty four account. So you you know how that HUB twenty four account goes up and down as well? That's where that money is going. So it's going into your superannuation fund.\n\nSo it's still invested within the market, but like we talked about before, it's diversified across lots of different sections of the market rather than being centralized to silver and Bitcoin. So you still will have that volatility, but you won't have that significant volatility that you experience in Bitcoin and silver because the money is spread out and diversified. Does that make sense? Yeah. Any questions?\n\nIt is a lot to take. Yep. Mhmm. It is completely up to you. Whatever recommendations I'm making here, you are not bound to proceed with them.\n\nMy job is to give you the recommendations to reach your goals and objectives. You don't have to implement them. It's completely up to you. Okay? So the information's all here for you to consider.\n\nAnd I don't... And also just to be very, very clear, I'm not recommending you sell any of your existing investments. I'm recommending that you redirect that money that you purchase, used to purchase fortnightly, 154 in total, to super instead. Yep. Just to be clear, I didn't wanna make that unclear in any way.\n\nYep. Yeah. Mhmm. Yeah. Yeah.\n\nI can understand that. Yep. Yeah. That's absolutely fine. And and when you're ready to look at salary sacrifice, that's something that we can absolutely help with.\n\nSorry? No. That's okay. Yeah. It's not a great line.\n\nThat's alright. Okay. So the next page is your... Is to apply for an increase in income protection. So your monthly benefit falls short by approximately $2,015 a month.\n\nWe've recommended increasing it, and what this policy covers is your income should you be unable to work due to injury or illness up to 70%. The premium here is indicative at this stage. We're just waiting on Tal to confirm the final amount. But what they have said and come back to us is that based on a pre assessment, there would be loadings applied to new cover, not your pre assessment, and that's where they just speak with the insurance company to understand if there's any loadings or exclusions that would be applied to insurance policies. So based on that, when that was done, due to your...\n\nSorry. I'm just jumping into a different page. Your blood pressure, there's likely to be a loading. Now that loading will be on your income protection up to 75% of the new premium only. But if they they have said what they do is they'll arrange a nurse to come out and take some bloods from you at no cost to yourself.\n\nAnd if those blood tests indicate reading that Tal is is wanting to see, then that that loading could potentially be reduced down to 50% for income protection. So that premium can vary a little bit at the moment when not... When nothing's set in stone. And then also with any trauma and trauma insurance that we're looking at, there will be a 50% loading also. Any questions about that?\n\nOkay. Yeah. Yep. Yep. No.\n\nNo. Because this is private. So the insurance companies use a health service. So, yeah, the nurses will come out to you directly. They'll phone you, like, when we get to that stage, if we get to that stage, they'll...\n\nIt will be covered and arranged and funded through the insurance company. It's not through Medicare or anything like that. So... Yeah. So what I've done is I've recommended and increased your monthly benefit $2,015.52.\n\nSame waiting period being thirteen weeks, so ninety days, and a two year benefit period funded from super. At the moment, it's sitting at $1,048.18 extra per annum with the caveat that that that could potentially be more or less depending on results of blood tests. So we won't know exactly a 100% until that time. And then at that time, you could make a decision anyhow, but I just wanna make that really clear at the moment. Any questions about that?\n\nNo? No? Sorry? Yeah. There's a there's a few factors that they do take into consideration with underwriting.\n\nAnd, yeah, it's more... It's probably a combination of your blood pressure and... It's cholesterol. Is that correct? No.\n\nSorry. Yeah. The blood pressure. Sorry. And your...\n\nLet's have a look. Alright. That's okay. But... Yeah.\n\nSo we would have a better understanding of that once that's done, what the price would be. You also asked me to just have a look at trauma insurance, which is the amount that... The type of cover that covers you if you're diagnosed with a specific health condition being... And they range from cancer, heart attack, stroke. We looked at that for...\n\nTo help with some out of pocket expenses and a lump sum to help with the recuperation period. And with the loading, that comes out at approximately $223.88 per month, and that has to be paid from your personal cash flow as it's unable to be paid from super. Yes. Yep. So that's there for your information for you to consider there.\n\nSo, basically, the recommendation, to summarize, is to increase your income protection to make sure you can cover the most you can of your income if you're covered if you are injured or unable to work due to illness, and that the trauma insurance has been recommended should you be diagnosed with a critical event. No. Yeah. That's fantastic news. Yeah.\n\nYeah. That's absolutely fine. Absolutely fine. With the income protection, what were you thinking? Well, based on your income of 125,500, the you aren't...\n\nYou you do have a shortfall of about 2,000 that you can insure for your income. So if you were injured now, right now, I'm gonna jump back to... Or unable to work due to illness, for example, the maximum you'd receive per month is $5,304. Yes. Yep.\n\nSo if we go to the next pay... Oh, not the next page. Let's call it page 34. It does show you the impact. So...\n\nOf the premium on your balance. So there's a little table there that says premium five year impact, eleven year impact. So eleven year being for retirement, current, and recommended. So it does have a impact on your balance, most certainly. You can see from those tables and those figures.\n\nEven just the small amount a thousand dollars makes a year can have a big difference, But to weigh the option as well is if you are unable to work or or you were injured, could you meet your income needs based on your current sum insured? Yep. Yep. That's alright. No.\n\nI I hear you. I'm the same. Alright. So that's okay. I'll make a note of that.\n\nThe risks of implementing the income protection is that you're gonna pay more for it, which we've just talked through. We do need to go through the application process again, so there will be a... You will need to complete a application and being the health questions and all that when you applied for your original policy for the increase in that small amount of cover, but any loadings will not be applied to your existing cover. It's only the new cover you're taking out now. So we won't be touching the existing because we don't want to put you in a worse off position.\n\nThat's okay. The next the next nominate... Recommendation is making a beneficiary nomination. We've recommended making it to your estate, and in conjunction with that is establishing a will to make sure that your superannuation is, and your superannuation and life insurance, I should say, is distributed as per your wishes. Is there any changes you'd like to make to the beneficiary nomination, or you're happy for it to go to your estate?\n\nWhat were your thoughts there? Yes? Yep. We can definitely nominate him. The...\n\nSo the only difference between nominating him versus your will, and I'll just explain it very quickly, is about 2% in tax, what it comes down to. So when you nominate an adult child, they're not a financial dependent for superannuation law. So what happens is if they're paid a benefit, they're taxed at 17%. So that's 15% plus 2% Medicare that the government will tax the benefits on. If it is paid to your will, it will be 15% only.\n\nSo you will save... The estate will save on the 2% Medicare. So we can certainly name your son as the beneficiary, but just so you're aware, that's how it will be taxed. A matter of when. That's right.\n\nIsn't it? Correct. Yep. That's okay. Did you want me to have the...\n\nSorry? It's something you should definitely speak to a solicitor about. They can definitely give you advice on that. They're called testamentary trusts. A testamentary trust.\n\nSo what that means is the trust is established on your passing. So it doesn't let... It's not existent until your will comes into effect, essentially. And then the the guarantor... Sorry.\n\nThe guarantor... The executor will set the estate up as per the instructions in the will. So definitely, if you're concerned about any financial vulnerability or questionable decisions or exposure to any creditors or anything like that, a testamentary trust is something you can explore with the advice of a solicitor. In the meantime, yeah. Yeah.\n\nIn the meantime, did you wanna nominate Gabrielle as your beneficiary? Alright. I'm I'm... To make sure the forms are filled out correctly, I'm gonna check all the spelling. Gabrielle is g a b r I e l.\n\nIs that correct? And and same surname? Lovely. Yes, please. Lovely.\n\nAnd what's his date of birth? Yes. Two thousand and six. Lovely. Thank you for that, Carmen.\n\nAlright. I can make sure that is updated. So there'll be forms for that also. So do you have a solicitor you can talk to about estate planning? That's okay.\n\nWe have someone that we do work with that's quite reasonable. I may have sent it to you following our review because I do offer it to everyone, but what I can do is resend it to you if you like. They can do it over the phone with you as well and talk about those. And I can also include a brochure for a testamentary trust if you like. Yeah.\n\nThat... That's absolutely fine. And then the... One of the last recommendations is a part of that estate planning is to establish a power of attorney, which goes allow somebody to make decisions on your behalf if you're unable to. What's...\n\nSorry? Yes. Yes. It usually is. Yeah.\n\nSo it could be a friend, a a sibling, a relative, or somebody that you trust to make those decisions on your behalf for health and financial decisions if you're unable or incapacitated in any way. The final parts of this document is ongoing service. So as you know, the ongoing service doesn't change. We'll do conduct our reviews. We're here at any time should you need to seek further advice or have any questions.\n\nNo changes there. The important... That's okay. The important information is, you know, that we do conduct our reviews when when they come due to make sure that everything sits right. And remuneration wise, no changes to your superannuation fee.\n\nWell, on the next page, that's right slightly higher by a few dollars, but we do get paid commission from the insurance company on policies that I've put in force. So if you do proceed with that insure... That increase of income protection, we can be paid up to about $2,500 for that from the insurance company, not from you. The next page just shows the ongoing adviser fee from your super funds and then the ongoing commission that we already received from your existing policies. The next page is just cover off on the authority to proceed, cover off on those headline strategies that we talked through and how to implement the advices spoken through following that with a summary of the remuneration again at the top.\n\nThe page 52, which is the second last page, you'll see that there's a big blank box. That's where we'll get you to type in the parts that you do... Of the advice that you wish to vary. So for example, you mentioned you don't wanna look at the trauma insurance or the salary sacrifice at the moment. What I would ask you to do once you've had the chance to review the document and you're happy to proceed is to write in there what you do not want to proceed with out of the...\n\nAll the advice and then sign the document. And that gives us then the the clear directions on what to implement for you on your behalf. Yes. That's right. Yeah.\n\nNo. Yeah. Just what you what you don't want to... And then, you know, happy to proceed with everything else, for example. Yep.\n\nYep. Yep. Yep. Yes. Yeah.\n\nYep. Fantastic. Well done. That's really good. There's not a lot of people that proactively manage their health, so fantastic.\n\nThat's really good. I understand that. Yeah. That's right. That's exactly right.\n\nYeah. I understand that. And they're they're brilliant goals to have. And I don't think people probably think forward that far enough to plan that far ahead. So that's fantastic that you've got those goals set.\n\nI think it's great. Given me food for thought too. And the final page of that is the adviser declaration. So that's just me saying that I am authorized to provide advice on the products I've given you. I've given you a financial services guide, which we I gave in our last review meeting.\n\nI've given you the product disclosure statements, which are in this lovely document... Attached to this lovely document that you've received. And then the next document over is the appendix to the statement of of advice. So that that is running through that. There's a risk profile page.\n\nSo that will go... It shows you the different types of risk profile. You're down the middle there as a growth investor, and it just shows you the typical typical allocation would have to different sectors. The... This...\n\nOh, yes. Sorry. Yes. Hit the next button. Sorry.\n\nThat's my mistake there. You shouldn't have to. If you just try hitting next again. Yeah. It shouldn't do that.\n\nI wonder if it's how it's been set. Did you want me to just talk through the appendix? It's basically just factual information. Nothing specific like the document we've actually talked through. I'm just trying to think the best way to navigate that, and and it won't let you at all.\n\nOkay. Let me jump in in the background. Let's see. No. It won't let me change it.\n\nI might just explain it. Is that okay? And what... I mean, if... I don't want you to sign the statement of advice because you haven't had the chance to read it in full and understand it and come back with any questions that you could possibly have.\n\nSo I'll just talk through the appendix. It's a generalized table that talks through the risk profile, so it will show you the difference between a balanced, balanced growth, growth, high growth, and aggressive investor. And they've all got different allocations that we typically invest in to the growth and defensive portfolio, but then it breaks it down further to the Australian shares, international share markets, and so on. The important information and relationship part of this document is the same for everybody. It is general notifications that the contents of the SOA is based on the information that you have provided to me, and I've taken all reasonable steps to ensure that it's correct.\n\nThe advice is solely prepared for you as it is specific to your personal situation. So showing it with a friend, for example, wouldn't be beneficial to them because it's not based on their personal situation. The currency of the SOEs, SOA means that the advice and the document is valid for sixty days. After sixty days, we just need to restart the process again. And the reason for that is that client situations can change within a sixty day period.\n\nSo we do make sure that we revisit to make sure all the information is updated and corrected, and we do start the process again. The no product guarantee, so we can't guarantee investment markets will do what we want them to do. I wish. So it's it's just saying that historical performance, again, is not a a forecast of future performance. Projections, we've done those based on conservative figures.\n\nThey're not forecast. They're just they are forecast, and they... They're not forecast, and they shouldn't be relied on forecast... As forecast. They're simply projections based on conservative figures to help clients understand what they're working towards.\n\nIn there is some links in the appendix to the investment options. So you know how I talked you through. We're changing some of the underlying investment options in your hub twenty four account. The links to those in actual investment funds are in that document. And then...\n\nSorry. We yep. Yep. So, yeah, I can send you this post down meeting. I'll just add it to an email as a PDF for you.\n\nYep. That's okay. It also just explains your investment return. So in the document where I talked through what you can expect your super balance to be, this one's pretty important, and I'll reference it in the email to you. It just shows you those projected returns and fees with no salary sacrifice option.\n\nSo that's the... Those are the returns and the fees that you can expect to see because we're not gonna proceed with the salary sacrifice at the moment. So I'll I'll outline that in the email. And then it... I did consider other insurance companies.\n\nSo there's a couple of other insurance companies in there for trauma insurance. They were discounted because their loadings were higher than what TAO was offering. And then the same as always, there is an information piece at the end of that document that explains life insurance that's held through super and how that works. And then on the back of that is the PDF for the Cal insurance income protection is the updated PDF. So that's all those documents.\n\nI'm gonna put that appendix and the PDF on an email for you so you have that to review. And what I would ask is read through that document. If you have any questions before you sign, please reach out whether it be email or a phone call. I'll make the time to run through any questions that you have before you are happy to proceed. Yeah.\n\nThat's absolutely fine. I just... I'd I'd like to make sure that any information... Any... Like, that you're...\n\nYou have informed consent so you understand exactly what it is that we're doing and the purpose and everything. So I'm gonna pop those on an email to you now, and you should have those momentarily. Yeah. Yeah. So then following that, what will happen is members of our team will reach out to you of our implementation team to fill out the...\n\nYou'll receive beneficiary forms to update the beneficiary to, Gabrielle, and, a member of our team will reach out to you to start the, application process to increase the insurance premium... Oh, the income protection policy. That's okay. And, actually, while I've got you, let me double check to make sure the ID we have on you on file has not expired. It has.\n\nSo can I also ask? I'll put in an email as well. If you can just take a photo of the front and back of your driver's license and send that back to me. Sure. And, additionally, what I'm gonna send you is a link separate to the email you're gonna get from me now.\n\nI'll send it within the next hour. I... It'll be a link from the f... It'll say f triple a safe ID. What that does is we're required by law to make sure that people are estranged citizens, residency for tax purposes, whether they're politically exposed people, all those types of things.\n\nAnd this service being the f triple a, which is the Financial Advice Association of Australia, offers this service to us. We pay for it, and it's just you completing your details. It runs a check-in the background against all the government databases and gives us an answer so that we can make sure that we've fulfilled our obligations in relation to our legislative requirements as an advice... As an... A financial advice firm.\n\nSo if I can... I'll send that to you just so you... When you receive it, you know that it's not spam, and I'll mention it in the email as well just so you know it's not. Beautiful. Alright, Carmen.\n\nWell, again, any questions that you have once you have gone through it, please reach out. Okay? Thanks, Carmen. Enjoy your afternoon. Bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi.","start":2.8799999,"end":3.28,"sentiment":"neutral","sentiment_score":0.026034973561763763},{"text":"Is this Carmen?","start":3.28,"end":4.26,"sentiment":"neutral","sentiment_score":0.027171432971954346},{"text":"Carmen, it's Jenna here phoning from Oakview Financial.","start":6.24,"end":8.98,"sentiment":"neutral","sentiment_score":0.1568495500832796},{"text":"How are you today?","start":9.04,"end":10.099999,"sentiment":"neutral","sentiment_score":0.19559184834361076},{"text":"I am good.","start":12.934999,"end":13.815,"sentiment":"positive","sentiment_score":0.4420291682084401}],"sentiment":"neutral","sentiment_score":0.1826737142707172,"num_words":19,"start":2.8799999,"end":13.815},{"sentences":[{"text":"Thank you.","start":13.815,"end":14.554999,"sentiment":"positive","sentiment_score":0.47516125440597534},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":15.014999,"end":21.035,"sentiment":"neutral","sentiment_score":0.052116174088871994},{"text":"Is that okay?","start":21.095,"end":21.994999,"sentiment":"neutral","sentiment_score":0.061964438607295357},{"text":"Fantastic.","start":23.814999,"end":24.314999,"sentiment":"positive","sentiment_score":0.4271932542324066},{"text":"And, Carmen, can I please ask you to confirm your client password?","start":25.91,"end":30.25,"sentiment":"neutral","sentiment_score":0.05069919272015492}],"sentiment":"neutral","sentiment_score":0.08220661940371118,"num_words":41,"start":13.815,"end":30.25},{"sentences":[{"text":"Sorry?","start":34.79,"end":35.29,"sentiment":"neutral","sentiment_score":-0.06861472129821777},{"text":"Yes.","start":37.11,"end":37.43,"sentiment":"neutral","sentiment_score":-0.03822307288646698},{"text":"Sorry.","start":37.43,"end":37.75,"sentiment":"neutral","sentiment_score":-0.12112104892730712},{"text":"You dropped out.","start":37.75,"end":38.47,"sentiment":"neutral","sentiment_score":-0.11640215665102005},{"text":"Yes.","start":38.47,"end":38.63,"sentiment":"neutral","sentiment_score":0.021672168746590614}],"sentiment":"neutral","sentiment_score":-0.07935616347406592,"num_words":7,"start":34.79,"end":38.63},{"sentences":[{"text":"That's correct.","start":38.63,"end":39.27,"sentiment":"neutral","sentiment_score":0.09079127386212349},{"text":"Thank you.","start":39.27,"end":40.09,"sentiment":"neutral","sentiment_score":0.24317356199026108},{"text":"The reason I'm calling today is just to run through the advice presentation that we talked about from our last review just to make the recommended changes.","start":42.525,"end":50.785,"sentiment":"neutral","sentiment_score":0.007732322543031639},{"text":"Do you still have time for that?","start":50.845,"end":52.545002,"sentiment":"neutral","sentiment_score":-0.0015066417732409066},{"text":"Wonderful.","start":55.005,"end":55.505,"sentiment":"positive","sentiment_score":0.4563869833946228}],"sentiment":"neutral","sentiment_score":0.0339113556756041,"num_words":39,"start":38.63,"end":55.505},{"sentences":[{"text":"I sent you an email probably about five minutes ago with some...","start":56.48,"end":60.48,"sentiment":"neutral","sentiment_score":0.11190505387882392},{"text":"A similar to the review process with a a link to sign here through OdooSign and from myself.","start":60.48,"end":70.66,"sentiment":"neutral","sentiment_score":0.055870576554702386},{"text":"The the documents we're gonna talk through are contained in that sign here option if you're able to access your emails.","start":71.945,"end":79.965,"sentiment":"neutral","sentiment_score":0.06325290848811467},{"text":"Lovely.","start":87.560005,"end":88.060005,"sentiment":"neutral","sentiment_score":0.2965894639492035},{"text":"Thank you.","start":88.36,"end":89.100006,"sentiment":"neutral","sentiment_score":0.27658453583717346}],"sentiment":"neutral","sentiment_score":0.08382593774823127,"num_words":54,"start":56.48,"end":89.100006},{"sentences":[{"text":"So if you can just confirm when you have those...","start":108.72,"end":111.04,"sentiment":"neutral","sentiment_score":0.06349376030266285},{"text":"That opened, I can begin talking you through.","start":111.04,"end":115.46,"sentiment":"neutral","sentiment_score":0.04450891143642366},{"text":"Lovely.","start":117.759995,"end":118.259995,"sentiment":"neutral","sentiment_score":0.23481442034244537},{"text":"Thank you.","start":118.56,"end":119.299995,"sentiment":"neutral","sentiment_score":0.2523321658372879},{"text":"So the first page you should see is a cover page that says statement of advice prepared for yourself, and it's prepared by myself, Jenna Wheeler, and with my authorized details and Oakview's details.","start":119.825,"end":134.64,"sentiment":"neutral","sentiment_score":0.038097858757657165}],"sentiment":"neutral","sentiment_score":0.055014815350825134,"num_words":55,"start":108.72,"end":134.64},{"sentences":[{"text":"The next page...","start":135.58,"end":136.88,"sentiment":"neutral","sentiment_score":-0.00941906093309323},{"text":"Sorry.","start":137.42,"end":137.66,"sentiment":"neutral","sentiment_score":-0.0814894512295723},{"text":"I'm just gonna move that away there.","start":137.66,"end":140.56,"sentiment":"neutral","sentiment_score":-0.08721947882856641},{"text":"The next page covers off on what this document contains and our best interest duties.","start":141.34,"end":147.68,"sentiment":"neutral","sentiment_score":-0.025027271608511606},{"text":"So as advisers, our best interest duties apply that we...","start":148.21501,"end":153.195,"sentiment":"neutral","sentiment_score":-0.013623923063278198}],"sentiment":"neutral","sentiment_score":-0.034220313627479806,"num_words":36,"start":135.58,"end":153.195},{"sentences":[{"text":"Any financial or personal info...","start":153.655,"end":156.475,"sentiment":"neutral","sentiment_score":-0.024067824706435204},{"text":"Information and advice is specific to your needs.","start":156.85501,"end":160.395,"sentiment":"neutral","sentiment_score":-0.04652567394077778},{"text":"Any incomplete or inaccurate information can impact the basis of the advice.","start":161.96,"end":174.36,"sentiment":"neutral","sentiment_score":-0.14812352073689303},{"text":"So if anything hasn't been provided correctly, we always consider that the recommendation made has to put you in a better position and suit your circumstances and in your best interests.","start":174.36,"end":188.915,"sentiment":"neutral","sentiment_score":0.053499062215128255},{"text":"That's what that page outlines.","start":190.44,"end":192.94,"sentiment":"neutral","sentiment_score":0.018103034235537052}],"sentiment":"neutral","sentiment_score":-0.008541650230400875,"num_words":61,"start":153.655,"end":192.94},{"sentences":[{"text":"The next one is a table of contents followed by the scope of advice including your goals and objectives.","start":194.52,"end":203.66,"sentiment":"neutral","sentiment_score":0.02207980677485466},{"text":"So this document...","start":204.86499,"end":206.00499,"sentiment":"neutral","sentiment_score":0.0006936195616920789},{"text":"Well, this section, I'm gonna...","start":206.625,"end":207.985,"sentiment":"neutral","sentiment_score":0.007907935231924058},{"text":"It's gonna explain what we're addressing in this advice document today.","start":207.985,"end":211.36499,"sentiment":"neutral","sentiment_score":0.03446801514788107},{"text":"So the goals and objectives that we are addressing is your superannuation.","start":211.905,"end":215.44499,"sentiment":"neutral","sentiment_score":0.053926139449079834}],"sentiment":"neutral","sentiment_score":0.0297479740716517,"num_words":50,"start":194.52,"end":215.44499},{"sentences":[{"text":"So one of the topics we spoke about in your recent review was underperforming investments, making sure your portfolio is invested in this...","start":215.905,"end":226.52,"sentiment":"neutral","sentiment_score":0.0081652928467678},{"text":"In line with your risk profile.","start":226.52,"end":228.38,"sentiment":"neutral","sentiment_score":0.008822692558169365},{"text":"We also spoke about the ability to make recommendations to superannuation.","start":230.6,"end":237.27501,"sentiment":"neutral","sentiment_score":0.05015353824604641},{"text":"So that is included in here also.","start":241.575,"end":244.155,"sentiment":"neutral","sentiment_score":0.14175611840827124},{"text":"Additionally, on the next page with insurances, you mentioned that you're happy with your level of life and TPD cover.","start":245.59,"end":253.21,"sentiment":"neutral","sentiment_score":0.21235972531139852}],"sentiment":"neutral","sentiment_score":0.09002856935249336,"num_words":67,"start":215.905,"end":253.21},{"sentences":[{"text":"You would like to understand what trauma insurance covers and what the cost would be.","start":253.67,"end":260.49,"sentiment":"neutral","sentiment_score":0.06932971775531768},{"text":"And if you're able to look at increasing your income protection from insured now that your income has increased.","start":261.465,"end":271.085,"sentiment":"neutral","sentiment_score":0.0816602261835023},{"text":"Estate planning is also making sure that somebody is able to look after Gabe and make sure he is not taken advantage of should something happen to you.","start":273.14502,"end":288.86,"sentiment":"neutral","sentiment_score":0.018885420369250432},{"text":"The items that we're not addressing in this advice document is your retirement goals.","start":291.285,"end":296.905,"sentiment":"neutral","sentiment_score":-0.07604880205222539},{"text":"It...","start":298.16498,"end":298.32498,"sentiment":"neutral","sentiment_score":-0.03523193672299385}],"sentiment":"neutral","sentiment_score":0.026238528164950283,"num_words":77,"start":253.67,"end":298.32498},{"sentences":[{"text":"Due to...","start":298.32498,"end":298.72498,"sentiment":"neutral","sentiment_score":-0.033035545609891415},{"text":"As retirement is quite some time away at the moment, we're not looking at any retirement specific strategy.","start":298.72498,"end":307.55,"sentiment":"neutral","sentiment_score":-0.222509342763159},{"text":"So that would be, for example, a transition to retirement or other type of retirement specific strategy...","start":307.61,"end":316.14502,"sentiment":"neutral","sentiment_score":-0.11850837618112564},{"text":"Strategies.","start":316.36502,"end":316.845,"sentiment":"neutral","sentiment_score":-0.11261510848999023},{"text":"We're preparing for retirement but not recommending it at the moment.","start":316.845,"end":322.785,"sentiment":"neutral","sentiment_score":-0.2141073915091428}],"sentiment":"neutral","sentiment_score":-0.17456485859441515,"num_words":49,"start":298.32498,"end":322.785},{"sentences":[{"text":"Does that make sense so far?","start":324.765,"end":326.385,"sentiment":"neutral","sentiment_score":0.011457942426204681},{"text":"Yeah.","start":330.31998,"end":330.81998,"sentiment":"neutral","sentiment_score":0.27758023142814636},{"text":"Yes.","start":332.31998,"end":332.63998,"sentiment":"neutral","sentiment_score":0.313468337059021},{"text":"That's right.","start":332.63998,"end":333.46,"sentiment":"neutral","sentiment_score":0.2992715388536453},{"text":"The next couple of things that aren't considered also is the budget and savings.","start":333.75998,"end":338.72,"sentiment":"neutral","sentiment_score":-0.016821652118648802}],"sentiment":"neutral","sentiment_score":0.042618173795441784,"num_words":24,"start":324.765,"end":338.72},{"sentences":[{"text":"So you've started saving a $100 per fortnight for your trip to Greece next year.","start":338.72,"end":343.86,"sentiment":"neutral","sentiment_score":0.15648072014252346},{"text":"Debt, you wanna reduce your personal debt and potentially purchase a house in the future.","start":345.575,"end":351.11502,"sentiment":"neutral","sentiment_score":-0.021995719770590463},{"text":"So those two aren't covered within this statement of advice.","start":351.575,"end":354.95502,"sentiment":"neutral","sentiment_score":-0.11153482235968112},{"text":"Lovely.","start":357.655,"end":358.155,"sentiment":"neutral","sentiment_score":0.3326173424720764},{"text":"Then this limited advice section just covers off on the areas that I am not able to obtain advice in.","start":359.57,"end":365.97,"sentiment":"neutral","sentiment_score":-0.19727082531899215}],"sentiment":"neutral","sentiment_score":-0.044440530851239064,"num_words":61,"start":338.72,"end":365.97},{"sentences":[{"text":"So I'm not a lawyer or a legal practitioner, so I can't draft that will or estate planning documents.","start":365.97,"end":371.51,"sentiment":"neutral","sentiment_score":-0.2577734228811766},{"text":"Legal attorney does need to do that.","start":372.395,"end":374.495,"sentiment":"neutral","sentiment_score":-0.157473019191197},{"text":"I can't provide advice in regards to general insurance.","start":375.755,"end":378.655,"sentiment":"neutral","sentiment_score":-0.20297942724492815},{"text":"I can provide tax advice in relation to financial planning, but but not tax return advice, for example.","start":379.675,"end":390.62,"sentiment":"neutral","sentiment_score":-0.12617781509955725},{"text":"Beautiful.","start":395.47998,"end":395.97998,"sentiment":"positive","sentiment_score":0.6393011808395386}],"sentiment":"neutral","sentiment_score":-0.17516149083773294,"num_words":54,"start":365.97,"end":395.97998},{"sentences":[{"text":"Thank you.","start":396.28,"end":397.09998,"sentiment":"positive","sentiment_score":0.6709248125553131},{"text":"The next couple of pages are there about you.","start":397.47998,"end":399.8,"sentiment":"neutral","sentiment_score":0.14696358061499065},{"text":"So it covers off on your personal situation, including your occupation, income, marital status, dependents, assets and liabilities, your superannuation, and your current insurance portfolio.","start":399.8,"end":412.205,"sentiment":"neutral","sentiment_score":0.07853616580367088},{"text":"And that's all the information that we obtained and talked through on your recent and your review.","start":413.465,"end":419.54,"sentiment":"neutral","sentiment_score":0.10769207731765859},{"text":"Page 11 talks about your risk profile.","start":422.96,"end":426.41998,"sentiment":"neutral","sentiment_score":0.012663804792932101}],"sentiment":"neutral","sentiment_score":0.10912229906146725,"num_words":60,"start":396.28,"end":426.41998},{"sentences":[{"text":"So, again, referring back to our review, we talked through your appetite to risk and having a growth risk profile, which is an 20% split, if you recall.","start":426.47998,"end":440.125,"sentiment":"neutral","sentiment_score":0.020009373115109547},{"text":"So 80% to growth assets and 20% to defensive assets.","start":440.185,"end":443.965,"sentiment":"neutral","sentiment_score":0.005569286644458771},{"text":"Is that still applicable?","start":444.43997,"end":447.9,"sentiment":"neutral","sentiment_score":0.012530874460935593},{"text":"Yep.","start":447.96,"end":448.46,"sentiment":"neutral","sentiment_score":0.09410695731639862},{"text":"Lovely.","start":448.68,"end":449.18,"sentiment":"neutral","sentiment_score":0.26181602478027344}],"sentiment":"neutral","sentiment_score":0.023227313491092486,"num_words":44,"start":426.47998,"end":449.18},{"sentences":[{"text":"Alright.","start":449.31998,"end":449.81998,"sentiment":"neutral","sentiment_score":0.11842195689678192},{"text":"Sorry?","start":453.0,"end":453.5,"sentiment":"neutral","sentiment_score":-0.011966106481850147},{"text":"Yes.","start":456.91998,"end":457.31998,"sentiment":"neutral","sentiment_score":0.05376354604959488},{"text":"Exactly.","start":457.31998,"end":457.81998,"sentiment":"neutral","sentiment_score":0.08913352340459824},{"text":"Fantastic.","start":460.665,"end":461.165,"sentiment":"positive","sentiment_score":0.46534281969070435}],"sentiment":"neutral","sentiment_score":0.14293914791196585,"num_words":5,"start":449.31998,"end":461.165},{"sentences":[{"text":"Okay.","start":461.545,"end":462.045,"sentiment":"neutral","sentiment_score":0.11360152810811996},{"text":"The next section is where we're gonna talk about the actual strategy.","start":462.505,"end":465.785,"sentiment":"neutral","sentiment_score":0.046225911316772304},{"text":"So this is where the crux of it...","start":465.785,"end":468.345,"sentiment":"neutral","sentiment_score":0.011851379880681634},{"text":"Of the actual advice live.","start":468.345,"end":470.82,"sentiment":"neutral","sentiment_score":-0.029198167473077775},{"text":"The first recommendation on page 13 is that PSS will be retained due to...","start":472.02002,"end":478.58002,"sentiment":"neutral","sentiment_score":-0.016922890075615475}],"sentiment":"neutral","sentiment_score":0.00950530511327088,"num_words":40,"start":461.545,"end":478.58002},{"sentences":[{"text":"In its own form in...","start":478.58002,"end":479.86002,"sentiment":"neutral","sentiment_score":-0.026553270965814592},{"text":"Due to, you know, the limitations and restrictions of the scheme itself.","start":479.86002,"end":484.12,"sentiment":"neutral","sentiment_score":-0.2223391185204188},{"text":"So that will continue to sit where it is and not be touched until there comes time that you meet a condition of release.","start":485.38498,"end":492.76498,"sentiment":"neutral","sentiment_score":-0.09037832853694756},{"text":"But in relation to your Hub twenty four superannuation fund, the one that we manage on your behalf, we have reviewed the investment options which I talked to you about.","start":493.625,"end":506.74,"sentiment":"neutral","sentiment_score":-0.015187316449979942},{"text":"And I've actually recommended not only replacing those underperforming investments being the ban along and the phasing out of the hybrid options, but I've recommended a little bit of a restructure of your portfolio.","start":507.28,"end":521.375,"sentiment":"neutral","sentiment_score":-0.05391190543784486}],"sentiment":"neutral","sentiment_score":-0.06912895181282823,"num_words":105,"start":478.58002,"end":521.375},{"sentences":[{"text":"And what...","start":524.79,"end":526.17,"sentiment":"neutral","sentiment_score":-0.016195757314562798},{"text":"In considering that, what I've also considered is any potential CGT implications that are internal to the fund, not you personally.","start":526.70996,"end":534.17,"sentiment":"neutral","sentiment_score":-0.12095115635366667},{"text":"And based on all those things that I considered, which is within this document, being eleven years away from retirement, the preliminary modeling does show us that it's gonna have a greater outcome, which I'll cover off in a couple of more pages.","start":535.83,"end":552.005,"sentiment":"neutral","sentiment_score":-0.07842374774952267},{"text":"The recommended portfolio does use lower cost investments with strong and consistent consistent performance history.","start":552.77997,"end":561.04,"sentiment":"positive","sentiment_score":0.6272812883059183},{"text":"So by reducing the ongoing fees, we're giving your balance a little bit more room to grow by reducing those investment fees.","start":561.66,"end":572.10504,"sentiment":"positive","sentiment_score":0.6069912747903303}],"sentiment":"neutral","sentiment_score":0.1632858293076742,"num_words":103,"start":524.79,"end":572.10504},{"sentences":[{"text":"In addition...","start":572.805,"end":573.625,"sentiment":"neutral","sentiment_score":0.12204033881425858},{"text":"Oh, sorry.","start":574.085,"end":574.885,"sentiment":"neutral","sentiment_score":0.01030400488525629},{"text":"I pressed the wrong button.","start":574.885,"end":576.025,"sentiment":"neutral","sentiment_score":-0.06392881646752357},{"text":"And then I've rebalanced it to make sure that it is back within that the guide time...","start":577.205,"end":583.33,"sentiment":"neutral","sentiment_score":0.01591131222598693},{"text":"The guidelines of the 8020 split for a growth profile.","start":583.33,"end":586.63,"sentiment":"neutral","sentiment_score":0.06580559760332108}],"sentiment":"neutral","sentiment_score":0.024266469137122233,"num_words":36,"start":572.805,"end":586.63},{"sentences":[{"text":"The the advantages are that, again, lesser in...","start":589.25,"end":591.89,"sentiment":"neutral","sentiment_score":0.12413063365966082},{"text":"You'll have lesser ongoing investment phase.","start":591.89,"end":595.51,"sentiment":"neutral","sentiment_score":0.001319916918873788},{"text":"The disadvantages, though, are there is a capital gains tax of approximately $55.03 that will be paid within the HUB24 super platform.","start":597.735,"end":609.255,"sentiment":"negative","sentiment_score":-0.4034218964251605},{"text":"So that's not you personally.","start":609.255,"end":610.555,"sentiment":"neutral","sentiment_score":-0.2537075847387314},{"text":"The the superannuation fund is...","start":610.615,"end":612.77997,"sentiment":"neutral","sentiment_score":-0.11281691193580627}],"sentiment":"neutral","sentiment_score":-0.2110204268246889,"num_words":46,"start":589.25,"end":612.77997},{"sentences":[{"text":"Your super balance, sorry, is charged up.","start":612.77997,"end":615.12,"sentiment":"neutral","sentiment_score":-0.12670142097132547},{"text":"So to make those changes...","start":615.5,"end":616.95996,"sentiment":"neutral","sentiment_score":-0.05903925597667694},{"text":"Sorry?","start":619.98,"end":620.48,"sentiment":"neutral","sentiment_score":-0.07584761083126068},{"text":"It's only a one off.","start":623.81995,"end":624.94,"sentiment":"neutral","sentiment_score":-0.11080404072999954},{"text":"So it's a capital gains tax.","start":624.94,"end":626.595,"sentiment":"neutral","sentiment_score":-0.2001158855855465}],"sentiment":"neutral","sentiment_score":-0.1255278897782167,"num_words":24,"start":612.77997,"end":626.595},{"sentences":[{"text":"So because the portfolio has made a gain, even with that...","start":626.675,"end":631.33496,"sentiment":"neutral","sentiment_score":-0.04708056219599464},{"text":"The underperforming better long fund, what I've recommended you switch into does realize a little bit of a capital gain.","start":632.035,"end":639.15497,"sentiment":"neutral","sentiment_score":-0.04573091771453619},{"text":"So it's not an ongoing annual fee.","start":639.15497,"end":641.39496,"sentiment":"neutral","sentiment_score":-0.023057965295655385},{"text":"It's just a one off, and it's $55.03.","start":641.39496,"end":645.51996,"sentiment":"neutral","sentiment_score":-0.002280013635754585},{"text":"Does that make sense?","start":647.1,"end":648.32,"sentiment":"neutral","sentiment_score":0.011126805562525988}],"sentiment":"neutral","sentiment_score":-0.031352863647043705,"num_words":50,"start":626.675,"end":648.32},{"sentences":[{"text":"Lovely.","start":650.13995,"end":650.63995,"sentiment":"neutral","sentiment_score":0.2605805993080139},{"text":"Okay.","start":650.86,"end":651.36,"sentiment":"neutral","sentiment_score":0.1024264246225357},{"text":"I did consider other alternatives.","start":653.5,"end":657.27496,"sentiment":"neutral","sentiment_score":0.04437288679182529},{"text":"Like, I considered another platform potentially.","start":657.415,"end":659.675,"sentiment":"neutral","sentiment_score":0.02635519454876582},{"text":"Essentially, I discounted that one because they do have higher brokerage fees.","start":660.535,"end":665.335,"sentiment":"neutral","sentiment_score":-0.06286883524929483}],"sentiment":"neutral","sentiment_score":-0.00045693591237068123,"num_words":25,"start":650.13995,"end":665.335},{"sentences":[{"text":"So when funds are sold and traded upon compared to HUB 24.","start":665.335,"end":670.395,"sentiment":"neutral","sentiment_score":-0.07071483445664246},{"text":"And also, if I did do that, the capital gains tax would be nearly $3,000 rounded up.","start":670.58,"end":677.38,"sentiment":"neutral","sentiment_score":-0.2678153996958452},{"text":"So that is not actually in your best interest.","start":677.38,"end":680.2,"sentiment":"negative","sentiment_score":-0.5165178245968289},{"text":"It would take a quite a significant amount of time with the fee reduction and then to offset that CGT.","start":681.78,"end":687.905,"sentiment":"negative","sentiment_score":-0.34376706182956696},{"text":"So that was just discounted pretty quickly.","start":688.205,"end":691.905,"sentiment":"neutral","sentiment_score":-0.3033147518123899}],"sentiment":"neutral","sentiment_score":-0.29305607275320933,"num_words":65,"start":665.335,"end":691.905},{"sentences":[{"text":"The risks involved are always...","start":694.04504,"end":696.365,"sentiment":"neutral","sentiment_score":-0.27890582382678986},{"text":"There's no guarantee of the recommended investment portfolio portfolio outperforming any other portfolio.","start":696.365,"end":702.97,"sentiment":"neutral","sentiment_score":-0.2953200409045586},{"text":"Future legislative or regulatory changes can occur, so access to super is currently sixty years of age, for example.","start":705.02997,"end":712.64996,"sentiment":"neutral","sentiment_score":-0.22901186739143573},{"text":"That could change based on legislation, and I'm just using that as an example as what legislative risks are.","start":713.11,"end":720.725,"sentiment":"neutral","sentiment_score":-0.18684124672099164},{"text":"And as we are moving investments around in the background, you know, investments may rise or decline during that time.","start":721.82495,"end":729.58496,"sentiment":"neutral","sentiment_score":-0.10814592484384775}],"sentiment":"neutral","sentiment_score":-0.20128706994613535,"num_words":76,"start":694.04504,"end":729.58496},{"sentences":[{"text":"So there is a a little bit chance there of missing out on potential gains.","start":729.58496,"end":735.66003,"sentiment":"neutral","sentiment_score":-0.180386421084404},{"text":"Any questions there?","start":738.44,"end":739.74,"sentiment":"neutral","sentiment_score":-0.08459186802307765},{"text":"Yes.","start":744.2,"end":744.7,"sentiment":"neutral","sentiment_score":0.018932515755295753},{"text":"Yeah.","start":744.76,"end":745.24,"sentiment":"neutral","sentiment_score":0.03384719789028168},{"text":"Yep.","start":745.24,"end":745.605,"sentiment":"neutral","sentiment_score":0.06796053797006607}],"sentiment":"neutral","sentiment_score":-0.1351824604152214,"num_words":21,"start":729.58496,"end":745.605},{"sentences":[{"text":"Yeah.","start":746.40497,"end":746.90497,"sentiment":"neutral","sentiment_score":0.02398316003382206},{"text":"So we're not...","start":746.96497,"end":747.845,"sentiment":"neutral","sentiment_score":-0.011854808777570724},{"text":"You...","start":747.845,"end":748.08496,"sentiment":"neutral","sentiment_score":-0.016962042078375816},{"text":"Once in a couple of pages, I'll actually...","start":748.08496,"end":750.245,"sentiment":"neutral","sentiment_score":0.0040385590109508485},{"text":"You'll actually see what we're moving out of and what we're keeping.","start":750.245,"end":753.46497,"sentiment":"neutral","sentiment_score":0.0123444899606208}],"sentiment":"neutral","sentiment_score":0.006075961729511619,"num_words":25,"start":746.40497,"end":753.46497},{"sentences":[{"text":"So that can actually give you a little bit more confidence and information to make an informed decision.","start":753.845,"end":764.33,"sentiment":"neutral","sentiment_score":0.22949767775005764},{"text":"That's okay.","start":767.43,"end":768.25,"sentiment":"positive","sentiment_score":0.3369804620742798},{"text":"The next page covers off on the fee comparisons between...","start":768.63,"end":773.23505,"sentiment":"neutral","sentiment_score":0.04389032740145922},{"text":"We've included PSS here for you anyway because those fees don't change.","start":774.015,"end":777.85504,"sentiment":"neutral","sentiment_score":0.12066983866194884},{"text":"They'll be the same for you this estimated coming twelve months they're based on.","start":777.85504,"end":783.79504,"sentiment":"neutral","sentiment_score":0.1746079112802233}],"sentiment":"neutral","sentiment_score":0.16314948606304824,"num_words":56,"start":753.845,"end":783.79504},{"sentences":[{"text":"But you'll see the hub ones are the ones that I wanna focus on.","start":784.655,"end":788.03503,"sentiment":"neutral","sentiment_score":0.10499193519353867},{"text":"So the second line being the investment fee, you're gonna have a $467 saving per annum on the investment fee.","start":788.31,"end":797.35004,"sentiment":"neutral","sentiment_score":0.14488994255661963},{"text":"So that'll go from 925 down to about 458.","start":797.35004,"end":801.69,"sentiment":"neutral","sentiment_score":0.18489502867062887},{"text":"The adviser the adviser fee does increase a tiny little bit by $64 just based on your balance when we produced the statement of advice.","start":803.265,"end":813.125,"sentiment":"neutral","sentiment_score":0.09937460094690323},{"text":"And we have actually made a recommendation of contributions to super, so you'll see that they vary a little bit of approximately 3,448.","start":814.145,"end":825.14,"sentiment":"neutral","sentiment_score":0.10481496819335481}],"sentiment":"neutral","sentiment_score":0.12007528015381687,"num_words":91,"start":784.655,"end":825.14},{"sentences":[{"text":"I'm gonna touch on that in a moment.","start":825.14,"end":827.32,"sentiment":"neutral","sentiment_score":0.05419883597642183},{"text":"And then your insurance premium.","start":828.255,"end":830.275,"sentiment":"neutral","sentiment_score":0.02474820502102375},{"text":"So I did look at your income protection, and I have made a recommendation within here which is further on and we'll cover off, but that's...","start":830.335,"end":838.755,"sentiment":"neutral","sentiment_score":0.04493559767993597},{"text":"Your your insurance premiums are are included in here also.","start":838.815,"end":842.995,"sentiment":"neutral","sentiment_score":0.03154491875320673},{"text":"What it means for you personally by making the investment recommendations, on the next page down, we have the projected balance.","start":844.47,"end":852.49,"sentiment":"neutral","sentiment_score":0.07339912901322047}],"sentiment":"neutral","sentiment_score":0.05117840213435037,"num_words":70,"start":825.14,"end":852.49},{"sentences":[{"text":"So in five years' time, in the current portfolio, we'd be looking at about...","start":853.27,"end":858.41,"sentiment":"neutral","sentiment_score":0.02439632000667708},{"text":"So this is with your two combined, your PSS and Hub combined of 800 and 2,473.","start":860.385,"end":871.52496,"sentiment":"neutral","sentiment_score":0.03616852359846234},{"text":"The recommended portfolio within Hub, so this allows for the accumulation of part of PSS and their investment returns, historical we use, and then the hub one as well with the defined benefit.","start":872.83,"end":887.495,"sentiment":"neutral","sentiment_score":0.11626512856420243},{"text":"So if you look at the figures in green, in five years, we believe you'll be better off by $52,800 by changing the portfolio within hub, and in ten years, a $160,187 based on the portfolio.","start":887.555,"end":906.04004,"sentiment":"neutral","sentiment_score":0.14268672724978793},{"text":"So we just use the conservative figures there.","start":906.58,"end":909.8,"sentiment":"neutral","sentiment_score":0.04301639087498188}],"sentiment":"neutral","sentiment_score":0.09568081689981099,"num_words":107,"start":853.27,"end":909.8},{"sentences":[{"text":"So...","start":910.9,"end":911.3,"sentiment":"neutral","sentiment_score":0.025359798222780228},{"text":"And any projections there, we've just used the PSS historical returns to include.","start":911.3,"end":918.16504,"sentiment":"neutral","sentiment_score":0.1041616232922444},{"text":"So you can kinda see the whole picture rather than just part of it.","start":918.625,"end":922.24506,"sentiment":"neutral","sentiment_score":0.16415804837431228},{"text":"Sorry.","start":926.72,"end":927.22,"sentiment":"neutral","sentiment_score":-0.1671963632106781},{"text":"That really comes down to...","start":931.68,"end":933.86,"sentiment":"neutral","sentiment_score":-0.0413850374519825}],"sentiment":"neutral","sentiment_score":0.09716329493505113,"num_words":34,"start":910.9,"end":933.86},{"sentences":[{"text":"I think a little bit further on, we'll cover off on the retirement.","start":934.32,"end":937.6,"sentiment":"neutral","sentiment_score":-0.008533358179892484},{"text":"There is a little bit of a projection there that might be able to give you some information and some comfort too.","start":937.6,"end":945.72504,"sentiment":"neutral","sentiment_score":0.24490441246466202},{"text":"So I'll wait until we get to that section because there is a little bit that's dedicated to that for you to have a look at and understand.","start":945.945,"end":954.60504,"sentiment":"neutral","sentiment_score":0.11102577631494828},{"text":"Is that okay?","start":955.04004,"end":956.66003,"sentiment":"neutral","sentiment_score":0.08878858387470245},{"text":"Yeah.","start":957.36005,"end":957.86005,"sentiment":"neutral","sentiment_score":0.2892909646034241}],"sentiment":"neutral","sentiment_score":0.13345286374522455,"num_words":67,"start":934.32,"end":957.86005},{"sentences":[{"text":"Beautiful.","start":959.04004,"end":959.54004,"sentiment":"positive","sentiment_score":0.6121224761009216},{"text":"The next page is the investment option.","start":961.60004,"end":964.10004,"sentiment":"neutral","sentiment_score":0.19978140720299312},{"text":"So this is the part where with the market movement, so being out of the market that we talked about potentially timing risks, for example.","start":964.16003,"end":975.875,"sentiment":"neutral","sentiment_score":0.028964693173766137},{"text":"So that Bennelong Australian Equities one, that's the underperforming one that we're getting out of.","start":976.33496,"end":980.915,"sentiment":"neutral","sentiment_score":-0.029400135142107806},{"text":"So that's that top one there.","start":981.855,"end":985.04,"sentiment":"neutral","sentiment_score":0.08372443541884422}],"sentiment":"neutral","sentiment_score":0.05177878224532361,"num_words":54,"start":959.04004,"end":985.04},{"sentences":[{"text":"We're also going to remove the Global Battery Tech and Lithium and the BetaShares Australian Bank Hybrid in full along with the VanEck Australian Property and the BetaShares Raffi Australian two hundred.","start":985.42,"end":999.755,"sentiment":"neutral","sentiment_score":0.01756284004659392},{"text":"You'll see that they're all...","start":999.755,"end":1000.955,"sentiment":"neutral","sentiment_score":-0.004929400142282247},{"text":"All those figures are red.","start":1000.955,"end":1002.575,"sentiment":"neutral","sentiment_score":-0.05018268749117851},{"text":"Sorry?","start":1006.235,"end":1006.735,"sentiment":"neutral","sentiment_score":-0.05049982666969299},{"text":"Yeah.","start":1009.59503,"end":1010.07,"sentiment":"neutral","sentiment_score":-0.005343168042600155}],"sentiment":"neutral","sentiment_score":0.005241078377532011,"num_words":44,"start":985.42,"end":1010.07},{"sentences":[{"text":"Yep.","start":1010.31,"end":1010.81,"sentiment":"neutral","sentiment_score":0.02539043501019478},{"text":"Yeah.","start":1011.03,"end":1011.53,"sentiment":"neutral","sentiment_score":0.014617055654525757},{"text":"So we're moving out of those.","start":1011.99,"end":1014.31,"sentiment":"neutral","sentiment_score":-0.02099015563726425},{"text":"So the way the portfolio is structured, there's two different types.","start":1014.31,"end":1018.95,"sentiment":"neutral","sentiment_score":0.040576115758581596},{"text":"If you think about your core your core being your big holding ones, so that will be your Australian shares exposure, your international share exposure.","start":1018.95,"end":1034.025,"sentiment":"neutral","sentiment_score":0.04271443895995617}],"sentiment":"neutral","sentiment_score":0.03246056373146447,"num_words":44,"start":1010.31,"end":1034.025},{"sentences":[{"text":"So they're the core of your portfolio, basically.","start":1034.165,"end":1036.985,"sentiment":"neutral","sentiment_score":0.08558597811497748},{"text":"And then we have satellite investments that float around those, and they're designed to provide additional exposure to different growth aspects of the market in niche areas.","start":1037.61,"end":1053.655,"sentiment":"neutral","sentiment_score":0.1488728451508063},{"text":"So for example, as we move through this, we're we're moving out of the bulk of our...","start":1054.515,"end":1061.015,"sentiment":"neutral","sentiment_score":-0.013025256202501409},{"text":"All the estranged share equity exposure of Bennelong is getting removed.","start":1061.9551,"end":1066.4551,"sentiment":"neutral","sentiment_score":-0.3270504352721301},{"text":"And you'll see down the bottom of that first page, the beta shares Australia 200, you're gonna have about 44,000 invested in that.","start":1066.93,"end":1079.01,"sentiment":"neutral","sentiment_score":0.03810264890932519}],"sentiment":"neutral","sentiment_score":0.02048408634267574,"num_words":86,"start":1034.165,"end":1079.01},{"sentences":[{"text":"That's your Australian share exposure.","start":1079.01,"end":1080.61,"sentiment":"neutral","sentiment_score":0.11202833652496338},{"text":"So that's one of your core investment options.","start":1080.61,"end":1080.6812,"sentiment":"neutral","sentiment_score":0.1946966778486967},{"text":"We're then moving exposure, which you already have, in exposure, which you already have, in the iShares core composite bond.","start":1080.6812,"end":1101.7999,"sentiment":"neutral","sentiment_score":0.10920476038008928},{"text":"So you currently have about $18,400 invested there.","start":1101.7999,"end":1106.86,"sentiment":"neutral","sentiment_score":0.22159930877387524},{"text":"We're gonna be adding an additional 12,600 to increase that.","start":1107.0,"end":1112.015,"sentiment":"neutral","sentiment_score":0.30439556390047073}],"sentiment":"neutral","sentiment_score":0.17879530239631147,"num_words":51,"start":1079.01,"end":1112.015},{"sentences":[{"text":"So that's the core component of your defensive portfolio.","start":1112.015,"end":1115.475,"sentiment":"positive","sentiment_score":0.3470848964320289},{"text":"So then the one below that again is your iShares S and P 500.","start":1120.415,"end":1125.155,"sentiment":"neutral","sentiment_score":0.15188722152795112},{"text":"You'll see you currently have 64,559 invested in that.","start":1125.3,"end":1130.8401,"sentiment":"neutral","sentiment_score":0.16037617292669085},{"text":"That's your American shares exposure.","start":1130.9,"end":1133.8601,"sentiment":"neutral","sentiment_score":0.16549334526062012},{"text":"So that's one of the core investments in your portfolio as well.","start":1133.8601,"end":1138.42,"sentiment":"neutral","sentiment_score":0.2786143012344837}],"sentiment":"neutral","sentiment_score":0.22172263401503467,"num_words":49,"start":1112.015,"end":1138.42},{"sentences":[{"text":"So if you look at the the larger numbers, they're your core parts of your portfolio with your other ones being your satellite options.","start":1138.42,"end":1151.645,"sentiment":"neutral","sentiment_score":0.11026899268229802},{"text":"So one of your satellite options is gold, your physical gold and a physical gold ETF.","start":1151.645,"end":1157.61,"sentiment":"neutral","sentiment_score":0.04365382087416947},{"text":"Gold behaves in the market very differently to any shares.","start":1158.3899,"end":1163.13,"sentiment":"neutral","sentiment_score":-0.1798228517174721},{"text":"You probably see on the news that regularly that gold is up and down and up and down.","start":1163.9099,"end":1169.5449,"sentiment":"neutral","sentiment_score":-0.23636450618505478},{"text":"That's that's one of those growth and defensive parts of the portfolio that just floats around your higher held Australian international shares to give you a little bit more diversification.","start":1170.8049,"end":1183.9401,"sentiment":"neutral","sentiment_score":0.19826311791936557}],"sentiment":"neutral","sentiment_score":0.0330614374228278,"num_words":98,"start":1138.42,"end":1183.9401},{"sentences":[{"text":"The same with the cybersecurity that's below, reducing your exposure a little bit back down to 5%.","start":1184.88,"end":1191.86,"sentiment":"neutral","sentiment_score":0.048461900476147145},{"text":"Again, it's a...","start":1192.56,"end":1194.08,"sentiment":"neutral","sentiment_score":0.002762680873274803},{"text":"That's a gross...","start":1194.08,"end":1195.06,"sentiment":"neutral","sentiment_score":-0.03885326782862345},{"text":"It falls within our gross portfolio, but it's a really niche sector.","start":1195.76,"end":1200.975,"sentiment":"neutral","sentiment_score":-0.015106894075870514},{"text":"So cybersecurity is a...","start":1201.0349,"end":1203.595,"sentiment":"neutral","sentiment_score":-0.016696476843208075}],"sentiment":"neutral","sentiment_score":0.011987484896030182,"num_words":39,"start":1184.88,"end":1203.595},{"sentences":[{"text":"At the forefront of pretty much nearly everything these days at the moment with AI and everything that needs to happen in the background.","start":1203.595,"end":1210.575,"sentiment":"neutral","sentiment_score":0.024485801346600056},{"text":"So that's a really nice little tech exposure piece there that you have in the growth market, and it's been performing well to get...","start":1210.88,"end":1222.1001,"sentiment":"positive","sentiment_score":0.7084759064018726},{"text":"To give you that little bit of diversification.","start":1222.4,"end":1224.26,"sentiment":"neutral","sentiment_score":0.20226523838937283},{"text":"The ones that we're investing into that we haven't had in your portfolio before is iShares Europe, iShares Japan, and the Vanguard All World Fund excluding US.","start":1228.035,"end":1239.81,"sentiment":"neutral","sentiment_score":0.12525033288531834},{"text":"What we have done here is rather than including more niche markets like the battery tech and lithium, for example, we've gone with the approach of a different economy diversification.","start":1240.6101,"end":1255.275,"sentiment":"neutral","sentiment_score":0.10943636273344358}],"sentiment":"neutral","sentiment_score":0.22897391825650645,"num_words":113,"start":1203.595,"end":1255.275},{"sentences":[{"text":"So having some European exposure, some Asian Japan exposure, and then your Vanguard all world.","start":1255.7351,"end":1263.895,"sentiment":"neutral","sentiment_score":0.08340237612525622},{"text":"So that's the whole world market minus The US because we already have a significant exposure to The US market.","start":1263.895,"end":1272.2799,"sentiment":"neutral","sentiment_score":0.0601206611841917},{"text":"So rather than large, like, several niche markets, what we've done is kept the cybersecurity and the gold in there as those niche kinda little markets that we want, but expanded your exposure across global economies rather than niche markets.","start":1272.58,"end":1291.645,"sentiment":"neutral","sentiment_score":0.17180250957608223},{"text":"Does that make sense?","start":1293.23,"end":1294.45,"sentiment":"neutral","sentiment_score":0.08787249773740768},{"text":"Or it's a lot of information.","start":1294.75,"end":1296.13,"sentiment":"neutral","sentiment_score":0.03970009461045265}],"sentiment":"neutral","sentiment_score":0.11664988008492133,"num_words":85,"start":1255.7351,"end":1296.13},{"sentences":[{"text":"Yep.","start":1314.6849,"end":1315.1849,"sentiment":"neutral","sentiment_score":-0.06414835155010223},{"text":"Correct.","start":1319.885,"end":1320.365,"sentiment":"neutral","sentiment_score":-0.004309323616325855},{"text":"Yeah.","start":1320.365,"end":1320.865,"sentiment":"neutral","sentiment_score":0.011337706819176674},{"text":"Yep.","start":1321.1649,"end":1321.59,"sentiment":"neutral","sentiment_score":0.014150379225611688},{"text":"Yeah.","start":1321.9099,"end":1322.3099,"sentiment":"neutral","sentiment_score":0.013662097975611688}],"sentiment":"neutral","sentiment_score":-0.005861498229205608,"num_words":5,"start":1314.6849,"end":1322.3099},{"sentences":[{"text":"Yeah.","start":1322.3099,"end":1322.63,"sentiment":"neutral","sentiment_score":0.006817879155278206},{"text":"No.","start":1322.63,"end":1322.95,"sentiment":"neutral","sentiment_score":-0.077628493309021},{"text":"I I understand what you're saying.","start":1322.95,"end":1326.8099,"sentiment":"neutral","sentiment_score":-0.0909157966574033},{"text":"Yep.","start":1330.63,"end":1331.13,"sentiment":"neutral","sentiment_score":-0.01530536822974682},{"text":"They're your...","start":1337.5751,"end":1338.635,"sentiment":"neutral","sentiment_score":-0.0027884632982022595}],"sentiment":"neutral","sentiment_score":-0.057926153538574,"num_words":11,"start":1322.3099,"end":1338.635},{"sentences":[{"text":"Well, they're your gross still, your gross part of the portfolio.","start":1338.6951,"end":1343.115,"sentiment":"neutral","sentiment_score":0.007241056046702645},{"text":"So still in the shares, property, etcetera, but they're the smaller allocation.","start":1343.175,"end":1348.2351,"sentiment":"neutral","sentiment_score":0.028984745033085346},{"text":"So you've got your 8%, 5%, and 8%.","start":1348.4551,"end":1351.515,"sentiment":"neutral","sentiment_score":0.06972445407882333},{"text":"So they're gonna float around your major holding within the iShares S and P five hundred.","start":1351.73,"end":1359.1901,"sentiment":"neutral","sentiment_score":0.04228705051355064},{"text":"So that's your in...","start":1359.41,"end":1360.61,"sentiment":"neutral","sentiment_score":0.018029084894806147}],"sentiment":"neutral","sentiment_score":0.03399947720269362,"num_words":51,"start":1338.6951,"end":1360.61},{"sentences":[{"text":"Yeah.","start":1360.61,"end":1360.85,"sentiment":"neutral","sentiment_score":0.016427168622612953},{"text":"That's your American share market, essentially.","start":1360.85,"end":1363.03,"sentiment":"neutral","sentiment_score":-0.018158256231496733},{"text":"So a lot of our growth in portfolios, realistically, is the American share market where the big companies predominantly, let's call it, live.","start":1363.73,"end":1376.355,"sentiment":"neutral","sentiment_score":0.11146577156108359},{"text":"The Australian share market is quite concentrated to just Australia.","start":1377.375,"end":1381.95,"sentiment":"neutral","sentiment_score":0.11742938533425332},{"text":"We've got some great companies within there being the financials and the resources.","start":1381.95,"end":1385.57,"sentiment":"positive","sentiment_score":0.47057098379501927}],"sentiment":"neutral","sentiment_score":0.1842057928267234,"num_words":53,"start":1360.61,"end":1385.57},{"sentences":[{"text":"But with the American share market, we have a lot more diversification abilities there.","start":1386.11,"end":1392.13,"sentiment":"neutral","sentiment_score":0.25213123857975006},{"text":"Lots of different, you know, companies, health care, financials as well.","start":1392.35,"end":1398.655,"sentiment":"neutral","sentiment_score":0.16169035028327594},{"text":"You've got your tech.","start":1399.275,"end":1400.155,"sentiment":"neutral","sentiment_score":0.12948157638311386},{"text":"You've got everything.","start":1400.155,"end":1401.215,"sentiment":"neutral","sentiment_score":0.11589131752649943},{"text":"Whereas Europe is a...","start":1401.675,"end":1403.915,"sentiment":"neutral","sentiment_score":0.014596818364225328}],"sentiment":"neutral","sentiment_score":0.17312274235559422,"num_words":36,"start":1386.11,"end":1403.915},{"sentences":[{"text":"They...","start":1403.915,"end":1404.415,"sentiment":"neutral","sentiment_score":0.0042005120776593685},{"text":"Each each economy behaves a little bit differently depending on what's happening in the the world at any given time.","start":1404.955,"end":1413.77,"sentiment":"neutral","sentiment_score":-0.01722668493166566},{"text":"So your iShares Europe, iShares Japan, and your Vanguard All World, they're still the gross investments being your shares, but they're more satellite.","start":1414.71,"end":1425.4249,"sentiment":"neutral","sentiment_score":0.021981403069651646},{"text":"So they're...","start":1425.565,"end":1426.3049,"sentiment":"neutral","sentiment_score":-0.006038657855242491},{"text":"They'll float around basically, and they may act differently to the American market should a global event happen.","start":1426.365,"end":1435.725,"sentiment":"neutral","sentiment_score":-0.04933583881292078}],"sentiment":"neutral","sentiment_score":-0.011482552035886329,"num_words":64,"start":1403.915,"end":1435.725},{"sentences":[{"text":"So their behavior does depend on what's happening in the in the world and what the events are at that time.","start":1435.725,"end":1441.38,"sentiment":"neutral","sentiment_score":-0.002980507289369901},{"text":"Any questions about that so far?","start":1445.3601,"end":1447.3,"sentiment":"neutral","sentiment_score":0.05898651791115602},{"text":"Yep.","start":1448.4,"end":1448.9,"sentiment":"positive","sentiment_score":0.37597984075546265},{"text":"Yes.","start":1452.3201,"end":1452.795,"sentiment":"neutral","sentiment_score":0.18839924037456512},{"text":"That's...","start":1453.035,"end":1453.535,"sentiment":"neutral","sentiment_score":0.1156381368637085}],"sentiment":"neutral","sentiment_score":0.03237818907946348,"num_words":30,"start":1435.725,"end":1453.535},{"sentences":[{"text":"Well, yeah.","start":1453.5951,"end":1454.415,"sentiment":"neutral","sentiment_score":0.16248011589050293},{"text":"That's always the aim.","start":1454.4751,"end":1455.935,"sentiment":"neutral","sentiment_score":0.26134591549634933},{"text":"Yep.","start":1458.155,"end":1458.655,"sentiment":"neutral","sentiment_score":0.10749170184135436},{"text":"The next cup...","start":1461.1951,"end":1462.235,"sentiment":"neutral","sentiment_score":0.022612061972419422},{"text":"Two pages are your asset allocation.","start":1462.235,"end":1465.135,"sentiment":"neutral","sentiment_score":0.01255950719739}],"sentiment":"neutral","sentiment_score":0.10131430154433474,"num_words":16,"start":1453.5951,"end":1465.135},{"sentences":[{"text":"So I've...","start":1465.3551,"end":1466.235,"sentiment":"neutral","sentiment_score":0.005519222468137741},{"text":"We've included two here.","start":1466.235,"end":1467.775,"sentiment":"neutral","sentiment_score":0.029378443025052547},{"text":"The first one excludes your PSS scheme.","start":1468.11,"end":1471.01,"sentiment":"neutral","sentiment_score":-0.01521134509571961},{"text":"So what this looks at is just your funds held in hub twenty four.","start":1471.3099,"end":1476.29,"sentiment":"neutral","sentiment_score":0.05539752835673945},{"text":"So you'll see as a growth investor, we typically wanna see 80% of your funds invested in growth assets and 20 in defensive assets.","start":1477.15,"end":1487.985,"sentiment":"neutral","sentiment_score":0.12361228155593078}],"sentiment":"neutral","sentiment_score":0.07381045011182626,"num_words":51,"start":1465.3551,"end":1487.985},{"sentences":[{"text":"What my recommendation is is that you're gonna have approximately just shy of 85% in growth assets and just over 15% in defensive assets.","start":1488.525,"end":1499.8201,"sentiment":"neutral","sentiment_score":0.1889675116787354},{"text":"That figure will fluctuate and won't sit stagnant depending on what's going on with the market.","start":1500.36,"end":1507.0801,"sentiment":"neutral","sentiment_score":0.1398546709679067},{"text":"So for example, if the share market takes a massive hike, that percentage figure is gonna increase because the growth of your portfolio for those investments has increased as well.","start":1507.0801,"end":1519.4851,"sentiment":"neutral","sentiment_score":0.227570365400364},{"text":"So that's why it's important also to make sure we do keep up to date with the regular reviews to make sure that we are tracking towards your risk appetite being a growth investor.","start":1519.4851,"end":1531.86,"sentiment":"neutral","sentiment_score":0.2544903816545711},{"text":"The next table include...","start":1534.3201,"end":1536.3401,"sentiment":"neutral","sentiment_score":0.07929534651339054}],"sentiment":"neutral","sentiment_score":0.20898018833422274,"num_words":108,"start":1488.525,"end":1536.3401},{"sentences":[{"text":"I've included it showing your PSS scheme.","start":1536.56,"end":1539.4149,"sentiment":"neutral","sentiment_score":0.09529476506369454},{"text":"So your accumulation and defined benefit and HUB 24 altogether.","start":1539.635,"end":1544.455,"sentiment":"neutral","sentiment_score":0.058906519412994386},{"text":"So you'll see the gross total sits at the...","start":1545.395,"end":1550.195,"sentiment":"neutral","sentiment_score":0.03583165496173832},{"text":"In the proposed column, the third one over, sits at about 74...","start":1550.195,"end":1554.64,"sentiment":"neutral","sentiment_score":0.011016554936456183},{"text":"Or let's call it 75% with your defensive sitting at about 25%.","start":1555.82,"end":1562.16,"sentiment":"neutral","sentiment_score":0.022883445179710787}],"sentiment":"neutral","sentiment_score":0.03970826891250909,"num_words":50,"start":1536.56,"end":1562.16},{"sentences":[{"text":"The reason why you're underweight and gross as a total, including your PSS scheme in relation to your risk profile of 8020% is that the PSS accumulation and defined benefit, they have less gross orientated investment.","start":1562.78,"end":1583.3999,"sentiment":"neutral","sentiment_score":-0.19193071871995926},{"text":"So their portfolios are structured differently.","start":1584.1799,"end":1586.6,"sentiment":"neutral","sentiment_score":-0.1568556788067023},{"text":"And being that the the defined benefit part of it isn't invested, so that does heighten the defensive part of the portfolio.","start":1586.98,"end":1596.855,"sentiment":"neutral","sentiment_score":-0.02268183028156107},{"text":"Does that make sense?","start":1597.235,"end":1598.375,"sentiment":"neutral","sentiment_score":0.02202380821108818},{"text":"Yes.","start":1600.915,"end":1601.3151,"sentiment":"neutral","sentiment_score":0.016000550240278244}],"sentiment":"neutral","sentiment_score":-0.1195006439111371,"num_words":69,"start":1562.78,"end":1601.3151},{"sentences":[{"text":"They're very...","start":1601.3151,"end":1601.795,"sentiment":"neutral","sentiment_score":-0.01380811957642436},{"text":"They're two separate.","start":1601.795,"end":1602.775,"sentiment":"neutral","sentiment_score":-0.08622938394546509},{"text":"But for the full picture, what I've included it in the asset allocation just to show you that as a whole, including your PSS, you aren't invested completely as a gross risk profile.","start":1603.155,"end":1616.21,"sentiment":"neutral","sentiment_score":-0.021591430699283428},{"text":"It's more just an an investment piece.","start":1616.59,"end":1618.85,"sentiment":"neutral","sentiment_score":-0.1482461392879486},{"text":"But they are two different funds.","start":1619.1499,"end":1621.01,"sentiment":"neutral","sentiment_score":-0.0904608853161335}],"sentiment":"neutral","sentiment_score":-0.05057470374466742,"num_words":51,"start":1601.3151,"end":1621.01},{"sentences":[{"text":"Not investment piece, an information piece for you.","start":1621.95,"end":1628.2151,"sentiment":"neutral","sentiment_score":-0.19831666350364685},{"text":"Well, your defined benefit...","start":1629.795,"end":1631.255,"sentiment":"neutral","sentiment_score":-0.03607602650299668},{"text":"Your PSS has two parts of it.","start":1631.3151,"end":1633.235,"sentiment":"neutral","sentiment_score":-0.0485654143350465},{"text":"There's the accumulation part of your your fund, and then there's the defined benefit.","start":1633.235,"end":1639.5,"sentiment":"neutral","sentiment_score":-0.011551369222745831},{"text":"The defined benefit is a calculation based on retirement.","start":1639.56,"end":1642.86,"sentiment":"neutral","sentiment_score":0.007172740995883942}],"sentiment":"neutral","sentiment_score":-0.05161809082242793,"num_words":42,"start":1621.95,"end":1642.86},{"sentences":[{"text":"The accumulation is invested, and I've got an account run down here that I can give it to.","start":1643.48,"end":1651.98,"sentiment":"neutral","sentiment_score":0.07667546201911238},{"text":"I'll just have a quick sneaky peek.","start":1653.135,"end":1656.115,"sentiment":"neutral","sentiment_score":0.0751167397413935},{"text":"Total balance, employer component.","start":1664.895,"end":1666.835,"sentiment":"neutral","sentiment_score":0.017324580810964108},{"text":"So you're invested in the default.","start":1668.24,"end":1678.9,"sentiment":"neutral","sentiment_score":0.01858960712949435},{"text":"So about 383,000, let's round it up, is invested in the accumulation option of your PSS member, and you're in the default option.","start":1679.36,"end":1697.21,"sentiment":"neutral","sentiment_score":0.050895084829434105}],"sentiment":"neutral","sentiment_score":0.056162041579854896,"num_words":58,"start":1643.48,"end":1697.21},{"sentences":[{"text":"So if I have a look at the default option to tell you what that's returned in the last little bit...","start":1697.21,"end":1702.35,"sentiment":"neutral","sentiment_score":0.013110204466751643},{"text":"Performance.","start":1705.61,"end":1706.11,"sentiment":"neutral","sentiment_score":-0.11087097227573396},{"text":"They're both invested.","start":1715.525,"end":1716.645,"sentiment":"neutral","sentiment_score":-0.1405931164820989},{"text":"It's just that your defined benefit part is not.","start":1716.645,"end":1719.385,"sentiment":"neutral","sentiment_score":-0.27496876153681016},{"text":"And the accumulation is just invested differently to what we invest.","start":1720.12,"end":1728.44,"sentiment":"neutral","sentiment_score":-0.03469406542452899}],"sentiment":"neutral","sentiment_score":-0.06919310225380791,"num_words":45,"start":1697.21,"end":1728.44},{"sentences":[{"text":"So their portfolio structure's a little bit different.","start":1728.44,"end":1731.7999,"sentiment":"neutral","sentiment_score":-0.10914851725101471},{"text":"So for example, they have a higher fixed interest component sitting at about 12.25% and a higher cash component sitting at 13%.","start":1731.7999,"end":1744.5951,"sentiment":"neutral","sentiment_score":-0.02381248065185818},{"text":"Whereas our portfolio, for example, if we look at the one excluding PSS, the allocation, you'll see that our cash and fixed interest total is about 15%, whereas PSSs with their total combined is about 25%.","start":1744.9751,"end":1768.5049,"sentiment":"neutral","sentiment_score":-0.006500961918694277},{"text":"So that's why they're a little bit different.","start":1768.565,"end":1773.365,"sentiment":"neutral","sentiment_score":-0.038192013278603554},{"text":"It's just the way the the managers invest their money.","start":1773.365,"end":1777.21,"sentiment":"neutral","sentiment_score":-0.01507461741566658}],"sentiment":"neutral","sentiment_score":-0.024849757402470068,"num_words":84,"start":1728.44,"end":1777.21},{"sentences":[{"text":"Yeah.","start":1779.0299,"end":1779.4299,"sentiment":"neutral","sentiment_score":0.02404060959815979},{"text":"So it's not sitting there doing nothing.","start":1779.4299,"end":1781.19,"sentiment":"neutral","sentiment_score":-0.02046910726598331},{"text":"Not at all.","start":1781.19,"end":1782.09,"sentiment":"neutral","sentiment_score":-0.07754759366313617},{"text":"It's just invested differently and probably a little bit more conservative than your hub twenty four account.","start":1782.3899,"end":1788.525,"sentiment":"neutral","sentiment_score":0.03569749172996072},{"text":"Yeah.","start":1795.725,"end":1796.045,"sentiment":"neutral","sentiment_score":0.1661316603422165}],"sentiment":"neutral","sentiment_score":0.014520796465462652,"num_words":29,"start":1779.0299,"end":1796.045},{"sentences":[{"text":"So it's just that they've got more exposure to some defensive assets being a fixed interest in cash.","start":1796.045,"end":1801.23,"sentiment":"neutral","sentiment_score":0.05757862329483032},{"text":"And I'm sure that their mandate changes from time to time in relation...","start":1801.5499,"end":1805.73,"sentiment":"neutral","sentiment_score":0.03371159861294123},{"text":"And, again, their figures would change again from time to time depending on what's going in the market also.","start":1805.79,"end":1810.85,"sentiment":"neutral","sentiment_score":-0.017428798110861527},{"text":"So it's...","start":1811.79,"end":1812.6699,"sentiment":"neutral","sentiment_score":0.0016631442122161386},{"text":"Yeah.","start":1812.6699,"end":1812.91,"sentiment":"neutral","sentiment_score":0.00894896686077118}],"sentiment":"neutral","sentiment_score":0.02180743570667955,"num_words":53,"start":1796.045,"end":1812.91},{"sentences":[{"text":"Just at the moment, theirs is a little bit more defensive, and ours is a little bit more, gross orientated.","start":1812.91,"end":1819.1649,"sentiment":"neutral","sentiment_score":-0.006184672843664885},{"text":"The next page is re...","start":1821.865,"end":1824.825,"sentiment":"neutral","sentiment_score":-0.013466193340718746},{"text":"On a retirement income calculation.","start":1824.825,"end":1826.605,"sentiment":"neutral","sentiment_score":-0.022899308428168296},{"text":"So this is where I said I'd talk to you more about retirement and your question is whether you needed to work more.","start":1826.825,"end":1833.98,"sentiment":"neutral","sentiment_score":-0.0073910507818926935},{"text":"So based on our conversations previously, you said you'd need likely about 2,000 per fortnight in retirement if you were debt free.","start":1834.28,"end":1846.115,"sentiment":"neutral","sentiment_score":-0.010902988131750713}],"sentiment":"neutral","sentiment_score":-0.00953841163466374,"num_words":75,"start":1812.91,"end":1846.115},{"sentences":[{"text":"Do you still think that's right?","start":1846.335,"end":1848.035,"sentiment":"neutral","sentiment_score":0.03371334324280421},{"text":"Yep.","start":1848.415,"end":1848.915,"sentiment":"neutral","sentiment_score":0.07255610823631287},{"text":"Yeah.","start":1849.455,"end":1849.9349,"sentiment":"neutral","sentiment_score":0.06932085752487183},{"text":"We also talked about your retirement age being 65.","start":1849.9349,"end":1853.555,"sentiment":"neutral","sentiment_score":0.041331355977389544},{"text":"Still correct?","start":1853.615,"end":1854.4349,"sentiment":"neutral","sentiment_score":0.03690648823976517}],"sentiment":"neutral","sentiment_score":0.041576431868107694,"num_words":19,"start":1846.335,"end":1854.4349},{"sentences":[{"text":"Yeah?","start":1856.03,"end":1856.43,"sentiment":"neutral","sentiment_score":0.03643276169896126},{"text":"Okay.","start":1856.43,"end":1856.93,"sentiment":"neutral","sentiment_score":0.06070365384221077},{"text":"So if we look at this little graph, which you might need to zoom in on, it's very small, the green section refers to your superannuation, and the light blue purple...","start":1856.99,"end":1871.915,"sentiment":"neutral","sentiment_score":0.06357762325675256},{"text":"Bluey purple color, I think you'd call it, is the age pension.","start":1871.915,"end":1875.6151,"sentiment":"neutral","sentiment_score":0.09518713379899661},{"text":"So you can see from the age of 65 through till about 92, your superannuation fund and balance projected out is going to meet your income needs.","start":1876.155,"end":1889.75,"sentiment":"neutral","sentiment_score":0.21101089787703972}],"sentiment":"neutral","sentiment_score":0.12371642478845185,"num_words":72,"start":1856.03,"end":1889.75},{"sentences":[{"text":"From from the age of about 74, you're gonna start base...","start":1891.01,"end":1897.01,"sentiment":"neutral","sentiment_score":0.019900898618454285},{"text":"And, again, this is just based on today's legislation and, you know, pretty standard conservative returns to make sure that we don't overinflate anything.","start":1897.01,"end":1907.3351,"sentiment":"neutral","sentiment_score":0.0417550514296939},{"text":"You've...","start":1908.915,"end":1909.395,"sentiment":"neutral","sentiment_score":0.010806909762322904},{"text":"At about 75, you become eligible for a part age pension, and then that increases from there.","start":1909.395,"end":1916.28,"sentiment":"neutral","sentiment_score":0.019509676076910076},{"text":"So what that does is that stop...","start":1916.28,"end":1918.52,"sentiment":"neutral","sentiment_score":0.03209288311856134}],"sentiment":"neutral","sentiment_score":0.029802545066922904,"num_words":60,"start":1891.01,"end":1918.52},{"sentences":[{"text":"That stops you drawing down as much on your super, and we only draw the difference.","start":1918.52,"end":1923.26,"sentiment":"neutral","sentiment_score":-0.049962698481976986},{"text":"So you can see that you are on track.","start":1924.92,"end":1928.625,"sentiment":"positive","sentiment_score":0.6491338279512193},{"text":"Hopefully, that gives you a little bit of peace of mind to what you're working towards.","start":1928.625,"end":1932.725,"sentiment":"positive","sentiment_score":0.675592852756381},{"text":"And, yeah, you're you're well within target, reaching your target.","start":1935.825,"end":1940.85,"sentiment":"positive","sentiment_score":0.6886267185211181},{"text":"Sorry?","start":1945.95,"end":1946.45,"sentiment":"neutral","sentiment_score":-0.05817600339651108}],"sentiment":"positive","sentiment_score":0.43616111734165597,"num_words":52,"start":1918.52,"end":1946.45},{"sentences":[{"text":"I think...","start":1950.75,"end":1951.57,"sentiment":"neutral","sentiment_score":-0.052978621795773506},{"text":"Let me double check.","start":1951.63,"end":1952.85,"sentiment":"neutral","sentiment_score":-0.020967221353203058},{"text":"I'll just go back to our original notes.","start":1958.6749,"end":1961.095,"sentiment":"neutral","sentiment_score":0.003066664794459939},{"text":"It says at about age 67 with 1,000 a week, but what you earn now is about $1,600 after tax.","start":1985.345,"end":1992.06,"sentiment":"neutral","sentiment_score":0.001872481498867273},{"text":"So depending on the debt situation and your debt free, we looked at a thousand dollars a week.","start":1992.14,"end":1999.52,"sentiment":"neutral","sentiment_score":-0.023000446872578725}],"sentiment":"neutral","sentiment_score":-0.010420215853418294,"num_words":52,"start":1950.75,"end":1999.52},{"sentences":[{"text":"Obviously, being 2,000 a fortnight, but you can...","start":1999.8201,"end":2003.76,"sentiment":"neutral","sentiment_score":-0.03305277368053794},{"text":"That's variable depending on...","start":2003.8201,"end":2006.765,"sentiment":"neutral","sentiment_score":-0.036265064030885696},{"text":"If you want me to send you through another quick calculation post meeting, I can do that with a different amount just to give you an idea of how that looks.","start":2007.3049,"end":2015.145,"sentiment":"neutral","sentiment_score":-0.00986893372910638},{"text":"I don't foresee it being an issue.","start":2015.145,"end":2017.405,"sentiment":"neutral","sentiment_score":-0.23481629150254385},{"text":"Yes.","start":2023.0801,"end":2023.48,"sentiment":"neutral","sentiment_score":0.04385637119412422}],"sentiment":"neutral","sentiment_score":-0.04539758942144759,"num_words":51,"start":1999.8201,"end":2023.48},{"sentences":[{"text":"Absolutely.","start":2023.48,"end":2023.98,"sentiment":"neutral","sentiment_score":0.07230827957391739},{"text":"Mhmm.","start":2032.68,"end":2033.145,"sentiment":"neutral","sentiment_score":-0.04735606908798218},{"text":"Yeah.","start":2037.865,"end":2038.265,"sentiment":"neutral","sentiment_score":-0.0008316151797771454},{"text":"So that...","start":2038.265,"end":2039.005,"sentiment":"neutral","sentiment_score":0.006024949252605438},{"text":"Yeah.","start":2039.625,"end":2040.125,"sentiment":"neutral","sentiment_score":0.027950527146458622}],"sentiment":"neutral","sentiment_score":0.010686836826304594,"num_words":6,"start":2023.48,"end":2040.125},{"sentences":[{"text":"Of course.","start":2040.185,"end":2040.745,"sentiment":"neutral","sentiment_score":0.04180412366986275},{"text":"So what we do with that is we do base it on today's dollars.","start":2040.745,"end":2045.145,"sentiment":"neutral","sentiment_score":0.03939548573855843},{"text":"So we allow for the inflation.","start":2045.145,"end":2048.2402,"sentiment":"neutral","sentiment_score":0.010018215204278627},{"text":"So you'll see a little bit below that, we allow for the inflation in today's dollars.","start":2048.54,"end":2056.06,"sentiment":"neutral","sentiment_score":0.029585606884211302},{"text":"So I can definitely get that done up for $1,500 a week.","start":2056.06,"end":2059.34,"sentiment":"positive","sentiment_score":0.7475758592287699}],"sentiment":"neutral","sentiment_score":0.20279068719595672,"num_words":50,"start":2040.185,"end":2059.34},{"sentences":[{"text":"So you've got that for your information as well.","start":2059.34,"end":2061.765,"sentiment":"positive","sentiment_score":0.6854833960533142},{"text":"Post our meeting, I'll send that through in an email for you.","start":2063.6848,"end":2066.825,"sentiment":"neutral","sentiment_score":0.25930244475603104},{"text":"The next section is something...","start":2069.6848,"end":2071.305,"sentiment":"neutral","sentiment_score":0.051058721542358396},{"text":"The next page is advice in relation to salary sacrifice.","start":2071.845,"end":2075.8,"sentiment":"neutral","sentiment_score":0.019369106367230417},{"text":"So this is building your superannuation further.","start":2075.86,"end":2078.44,"sentiment":"neutral","sentiment_score":0.2442277797630855}],"sentiment":"neutral","sentiment_score":0.2660362565413464,"num_words":43,"start":2059.34,"end":2078.44},{"sentences":[{"text":"Now this is something that I've considered as an alternative to you for a number of reasons.","start":2079.22,"end":2087.4001,"sentiment":"neutral","sentiment_score":0.19350282628746593},{"text":"So I noted that from our conversation, you're making investments into Bitcoin and silver on a regular basis.","start":2087.955,"end":2095.8152,"sentiment":"neutral","sentiment_score":0.094998087733984},{"text":"What I considered as an alternative for you for you to consider is using those funds of a 156 per fortnight that you do in silver and Bitcoin and instead invest into your superannuation.","start":2096.435,"end":2108.55,"sentiment":"neutral","sentiment_score":0.18174835513619816},{"text":"There are a number of reasons why, which could also be in contradiction to why you choose to do Bitcoin and silver.","start":2109.89,"end":2118.655,"sentiment":"neutral","sentiment_score":-0.12448990463533184},{"text":"So this this is, from me looking at your situation as a holistic picture, the reasons why is the funds will still be invested, but they're gonna be invested in a diversified market, not concentrated to Bitcoin and silver themselves.","start":2118.655,"end":2135.69,"sentiment":"neutral","sentiment_score":0.27685907259583475}],"sentiment":"neutral","sentiment_score":0.14896597482889662,"num_words":131,"start":2079.22,"end":2135.69},{"sentences":[{"text":"Adding the contributions to super is a tax effective environment.","start":2137.91,"end":2142.095,"sentiment":"positive","sentiment_score":0.538856565952301},{"text":"So once you do retire and meet a preservation aid...","start":2142.155,"end":2147.115,"sentiment":"neutral","sentiment_score":0.18413399010896683},{"text":"Your preservation aid, the income within that is tax free.","start":2147.115,"end":2151.595,"sentiment":"neutral","sentiment_score":0.1995000995695591},{"text":"So there's no capital gains tax, for example.","start":2151.595,"end":2154.63,"sentiment":"neutral","sentiment_score":0.14179439283907413},{"text":"There's no tax payable on you drawing an income, etcetera.","start":2154.63,"end":2158.41,"sentiment":"neutral","sentiment_score":0.1534838117659092}],"sentiment":"neutral","sentiment_score":0.24779374618083239,"num_words":48,"start":2137.91,"end":2158.41},{"sentences":[{"text":"The...","start":2160.39,"end":2160.89,"sentiment":"neutral","sentiment_score":0.034616243094205856},{"text":"With the Bitcoin and the silver and investments holding your personal name, there is capital gains tax that's applicable to those, and there's no tax benefit of you.","start":2162.63,"end":2175.7249,"sentiment":"neutral","sentiment_score":0.09934953919478826},{"text":"You don't receive a tax benefit of you investing in it.","start":2176.345,"end":2178.825,"sentiment":"neutral","sentiment_score":0.0859277451580221},{"text":"So now that the 50%, you know, tax...","start":2178.825,"end":2181.9402,"sentiment":"neutral","sentiment_score":0.1786953452974558},{"text":"CGT tax has been removed discount, the superannuation environment is a more tax effective or friendly option.","start":2181.9402,"end":2195.72,"sentiment":"neutral","sentiment_score":0.1987479975556626}],"sentiment":"neutral","sentiment_score":0.13184441935557586,"num_words":65,"start":2160.39,"end":2195.72},{"sentences":[{"text":"What...","start":2197.565,"end":2198.045,"sentiment":"neutral","sentiment_score":0.04238755255937576},{"text":"On the following page, what I've done is a very simple table.","start":2198.045,"end":2201.825,"sentiment":"neutral","sentiment_score":0.0862799013654391},{"text":"You'll see that your income is stated.","start":2203.9648,"end":2207.825,"sentiment":"neutral","sentiment_score":0.09017833535160337},{"text":"Column one represents your current position investing into crypto and silver.","start":2208.62,"end":2212.56,"sentiment":"neutral","sentiment_score":0.06744539940899069},{"text":"Column two removes that crypto and silver and instead puts it into a salary sacrifice arrangement into super.","start":2213.18,"end":2219.9202,"sentiment":"neutral","sentiment_score":0.05307733536594444}],"sentiment":"neutral","sentiment_score":0.06951604380595441,"num_words":49,"start":2197.565,"end":2219.9202},{"sentences":[{"text":"What it does is it reduces your taxable income by approximately...","start":2220.3,"end":2226.195,"sentiment":"neutral","sentiment_score":0.0623803667046807},{"text":"Oh, gosh.","start":2228.735,"end":2229.455,"sentiment":"neutral","sentiment_score":-0.1694759577512741},{"text":"They should put those figures there.","start":2229.455,"end":2230.8152,"sentiment":"neutral","sentiment_score":-0.1915308510263761},{"text":"I can't even do math today.","start":2230.8152,"end":2232.095,"sentiment":"negative","sentiment_score":-0.37786000470320386},{"text":"That's terrible, isn't it?","start":2232.095,"end":2233.5,"sentiment":"negative","sentiment_score":-0.7553282976150513}],"sentiment":"neutral","sentiment_score":-0.21001469677892223,"num_words":29,"start":2220.3,"end":2233.5},{"sentences":[{"text":"Sorry?","start":2236.22,"end":2236.72,"sentiment":"negative","sentiment_score":-0.35480427742004395},{"text":"Oh, it still feels like the weekend.","start":2239.58,"end":2241.28,"sentiment":"neutral","sentiment_score":-0.02845828022275652},{"text":"It's gonna reduce your taxable income rounding up that $2,800.","start":2242.62,"end":2248.115,"sentiment":"neutral","sentiment_score":0.04355298988521099},{"text":"So that's $2,800 you're not paying tax on, and then that money is, you know, used elsewhere.","start":2248.115,"end":2256.275,"sentiment":"neutral","sentiment_score":0.19405740258448265},{"text":"So you're gonna have a tax saving as well because you're not getting taxed on that full taxable income.","start":2256.275,"end":2263.8,"sentiment":"positive","sentiment_score":0.4184100016167289}],"sentiment":"neutral","sentiment_score":0.20611636175049675,"num_words":54,"start":2236.22,"end":2263.8},{"sentences":[{"text":"It's it's the reduced amount post the salary sacrifice.","start":2264.0999,"end":2267.24,"sentiment":"neutral","sentiment_score":0.17928737153609595},{"text":"What it means is the super contribution variance is an extra $3,448 going in a year, which even though...","start":2268.9,"end":2283.5552,"sentiment":"neutral","sentiment_score":0.0690797459530203},{"text":"So when you're you're contributing to super, it's taxed at 15% when you go in.","start":2283.5552,"end":2287.475,"sentiment":"neutral","sentiment_score":0.014207853749394418},{"text":"So your salary sacrifice, that that amount is taxed at 15%.","start":2287.475,"end":2291.21,"sentiment":"neutral","sentiment_score":0.052198207513852554},{"text":"However, that 15% is less than your marginal tax rate.","start":2291.27,"end":2297.43,"sentiment":"neutral","sentiment_score":-0.051464707031846045}],"sentiment":"neutral","sentiment_score":0.04998050836729817,"num_words":64,"start":2264.0999,"end":2297.43},{"sentences":[{"text":"So that's the benefit of it, the trade off.","start":2297.43,"end":2299.69,"sentiment":"neutral","sentiment_score":0.2200906053185463},{"text":"So you...","start":2301.03,"end":2301.69,"sentiment":"neutral","sentiment_score":0.0872214064002037},{"text":"From a tax perspective, it's gonna be beneficial for you personally now and in the long run.","start":2301.83,"end":2309.865,"sentiment":"positive","sentiment_score":0.5639564289766199},{"text":"And also in retirement, it's gonna be beneficial.","start":2309.925,"end":2312.585,"sentiment":"positive","sentiment_score":0.5649810023605824},{"text":"So the reason why I did include that is for those reasons.","start":2313.5251,"end":2319.145,"sentiment":"neutral","sentiment_score":0.2720695125559966}],"sentiment":"positive","sentiment_score":0.40681666089221835,"num_words":48,"start":2297.43,"end":2319.145},{"sentences":[{"text":"But the next page also covers off on your crypto and silver.","start":2319.7898,"end":2324.43,"sentiment":"neutral","sentiment_score":0.0733518407990535},{"text":"So I've used a...","start":2324.43,"end":2328.8298,"sentiment":"neutral","sentiment_score":0.020410377474036068},{"text":"It was very, very difficult because Bitcoin is an unregulated investment.","start":2328.8298,"end":2332.5298,"sentiment":"neutral","sentiment_score":-0.2469908364794471},{"text":"So it's really difficult to get decent returns...","start":2333.9648,"end":2337.105,"sentiment":"neutral","sentiment_score":-0.23453396745026112},{"text":"Well, not decent returns, but find information on...","start":2338.765,"end":2343.585,"sentiment":"neutral","sentiment_score":-0.13698811177164316}],"sentiment":"neutral","sentiment_score":-0.10993516826893875,"num_words":43,"start":2319.7898,"end":2343.585},{"sentences":[{"text":"As you know, the the market goes up and down a lot with Bitcoin.","start":2347.9,"end":2350.88,"sentiment":"neutral","sentiment_score":-0.06704755100820746},{"text":"So to get factualized returns, we we relied on an ETF.","start":2351.26,"end":2355.76,"sentiment":"neutral","sentiment_score":0.010219530964439566},{"text":"So these returns are probably not like what you've seen in your Bitcoin experience, but they're conservative returns that we've used in this advice document.","start":2355.98,"end":2367.905,"sentiment":"neutral","sentiment_score":0.030925812274217604},{"text":"So I've assumed that a Bitcoin annualized returns, that means over the long term.","start":2368.605,"end":2373.825,"sentiment":"neutral","sentiment_score":0.02884534267442567},{"text":"So one year could be 33%.","start":2374.285,"end":2376.04,"sentiment":"neutral","sentiment_score":-0.011088457889854908}],"sentiment":"neutral","sentiment_score":0.0040599783350314415,"num_words":70,"start":2347.9,"end":2376.04},{"sentences":[{"text":"For example, in the next year, it could be negative 50%, and annualized return is the average of your return over the long term.","start":2376.04,"end":2382.94,"sentiment":"neutral","sentiment_score":-0.04369650656978289},{"text":"So with Bitcoin, we did...","start":2383.0798,"end":2384.5999,"sentiment":"neutral","sentiment_score":0.018196639977395533},{"text":"We used 11.2, and with silver, 9.63.","start":2384.5999,"end":2387.865,"sentiment":"neutral","sentiment_score":0.048042328762156625},{"text":"And they're based off ETFs that we use for those types of investments.","start":2387.865,"end":2395.645,"sentiment":"neutral","sentiment_score":0.07825874561408105},{"text":"We haven't put any fees in there because I wasn't aware of any fees within your platform...","start":2396.105,"end":2400.445,"sentiment":"neutral","sentiment_score":-0.02984884742866544}],"sentiment":"neutral","sentiment_score":-0.0016894449963177922,"num_words":66,"start":2376.04,"end":2400.445},{"sentences":[{"text":"Trading platform that you use.","start":2400.585,"end":2402.445,"sentiment":"neutral","sentiment_score":-0.002948961779475212},{"text":"But over a five year period, you'll...","start":2403.8901,"end":2409.25,"sentiment":"neutral","sentiment_score":0.009804625928934132},{"text":"You could expect your balance while still doing your existing contributions to increase by those months, those amounts.","start":2409.25,"end":2416.4248,"sentiment":"neutral","sentiment_score":0.03869209448910422},{"text":"So five years 20...","start":2417.285,"end":2418.825,"sentiment":"neutral","sentiment_score":0.007051196065731347},{"text":"Sorry?","start":2420.085,"end":2420.585,"sentiment":"neutral","sentiment_score":0.005158774554729462}],"sentiment":"neutral","sentiment_score":0.022391680920762675,"num_words":35,"start":2400.585,"end":2420.585},{"sentences":[{"text":"No.","start":2422.085,"end":2422.4048,"sentiment":"neutral","sentiment_score":0.14588576555252075},{"text":"You're absolutely fine.","start":2422.4048,"end":2423.4448,"sentiment":"neutral","sentiment_score":0.2955869783957799},{"text":"So five years is a 28,000 lump sum, and seven years is a $41,000 lump sum.","start":2423.4448,"end":2432.0498,"sentiment":"neutral","sentiment_score":0.06969612394459546},{"text":"So the...","start":2432.5898,"end":2434.45,"sentiment":"neutral","sentiment_score":0.008739002980291843},{"text":"What...","start":2434.75,"end":2435.25,"sentiment":"neutral","sentiment_score":0.010254007764160631}],"sentiment":"neutral","sentiment_score":0.09458768250339705,"num_words":23,"start":2422.085,"end":2435.25},{"sentences":[{"text":"The reason I have said, yep.","start":2435.63,"end":2438.75,"sentiment":"neutral","sentiment_score":0.0246965941041708},{"text":"Those are great those are great investments.","start":2438.75,"end":2440.7698,"sentiment":"positive","sentiment_score":0.5400173876966748},{"text":"You you know, I understand you wanting to do them and all of that.","start":2442.0852,"end":2446.985,"sentiment":"neutral","sentiment_score":0.19541062521083014},{"text":"The reason why I recommended salary sacrifice as opposed to it is that at about 60 that you wanna...","start":2448.725,"end":2455.22,"sentiment":"neutral","sentiment_score":-0.028050867031867568},{"text":"At 60 years of age, you wanna kind of look at reducing your working hours.","start":2455.28,"end":2458.82,"sentiment":"neutral","sentiment_score":-0.08526960164308547}],"sentiment":"neutral","sentiment_score":0.0795416316918296,"num_words":61,"start":2435.63,"end":2458.82},{"sentences":[{"text":"Bitcoin and silver do carry high volatility.","start":2460.72,"end":2463.3801,"sentiment":"neutral","sentiment_score":0.03445438189165933},{"text":"Their upsides, the potential upside is fantastic in those investment options, but it also falls within a significant risk level.","start":2464.96,"end":2477.885,"sentiment":"neutral","sentiment_score":0.06770374178886414},{"text":"And as you approach retirement, so we're in line with your goals and objectives, building your retirement savings, particularly, as you mentioned before, to know that it's gonna meet what you need in retirement, I felt that the salary sacrifice option, whilst not probably providing the same type of returns, is gonna help you meet those retirement objectives.","start":2478.345,"end":2507.485,"sentiment":"neutral","sentiment_score":0.13063119978098006},{"text":"Does that make...","start":2510.02,"end":2510.92,"sentiment":"neutral","sentiment_score":0.008164415756861368},{"text":"Sorry?","start":2515.8599,"end":2516.3599,"sentiment":"neutral","sentiment_score":0.004181232303380966}],"sentiment":"neutral","sentiment_score":0.10337684916730007,"num_words":89,"start":2460.72,"end":2516.3599},{"sentences":[{"text":"Stable.","start":2516.5798,"end":2516.98,"sentiment":"neutral","sentiment_score":0.06916484236717224},{"text":"It's more diversified.","start":2516.98,"end":2517.96,"sentiment":"neutral","sentiment_score":0.05013558641076088},{"text":"If you if you say that...","start":2518.82,"end":2520.28,"sentiment":"neutral","sentiment_score":0.025127125903964043},{"text":"Sorry.","start":2521.38,"end":2521.88,"sentiment":"neutral","sentiment_score":-0.028400098904967308},{"text":"Yep.","start":2532.495,"end":2532.995,"sentiment":"neutral","sentiment_score":0.02477904781699181}],"sentiment":"neutral","sentiment_score":0.03055944216127197,"num_words":12,"start":2516.5798,"end":2532.995},{"sentences":[{"text":"So what...","start":2533.855,"end":2534.335,"sentiment":"neutral","sentiment_score":0.01436070166528225},{"text":"With the salary sacrifice, where you'd be directing that is to your HUB twenty four account.","start":2534.335,"end":2539.26,"sentiment":"neutral","sentiment_score":0.05586314108222723},{"text":"So you you know how that HUB twenty four account goes up and down as well?","start":2539.26,"end":2542.88,"sentiment":"neutral","sentiment_score":0.0716072591021657},{"text":"That's where that money is going.","start":2544.0598,"end":2545.5,"sentiment":"neutral","sentiment_score":0.13531952102979025},{"text":"So it's going into your superannuation fund.","start":2545.5,"end":2547.74,"sentiment":"neutral","sentiment_score":0.15940866938659123}],"sentiment":"neutral","sentiment_score":0.08502182166310067,"num_words":47,"start":2533.855,"end":2547.74},{"sentences":[{"text":"So it's still invested within the market, but like we talked about before, it's diversified across lots of different sections of the market rather than being centralized to silver and Bitcoin.","start":2547.74,"end":2560.205,"sentiment":"neutral","sentiment_score":0.15092897222888085},{"text":"So you still will have that volatility, but you won't have that significant volatility that you experience in Bitcoin and silver because the money is spread out and diversified.","start":2560.585,"end":2571.92,"sentiment":"neutral","sentiment_score":-0.012892759180274504},{"text":"Does that make sense?","start":2576.22,"end":2577.165,"sentiment":"neutral","sentiment_score":0.05044200085103512},{"text":"Yeah.","start":2579.405,"end":2579.905,"sentiment":"neutral","sentiment_score":0.0341857448220253},{"text":"Any questions?","start":2580.125,"end":2580.945,"sentiment":"neutral","sentiment_score":0.024114271625876427}],"sentiment":"neutral","sentiment_score":0.0684938867812726,"num_words":67,"start":2547.74,"end":2580.945},{"sentences":[{"text":"It is a lot to take.","start":2581.405,"end":2582.7852,"sentiment":"neutral","sentiment_score":-0.2353951521217823},{"text":"Yep.","start":2585.245,"end":2585.745,"sentiment":"neutral","sentiment_score":-0.03130422905087471},{"text":"Mhmm.","start":2589.725,"end":2590.2,"sentiment":"neutral","sentiment_score":-0.04979696124792099},{"text":"It is completely up to you.","start":2593.8,"end":2595.82,"sentiment":"neutral","sentiment_score":0.0563764696319898},{"text":"Whatever recommendations I'm making here, you are not bound to proceed with them.","start":2597.0,"end":2601.82,"sentiment":"neutral","sentiment_score":-0.021922847972466394}],"sentiment":"neutral","sentiment_score":-0.05334112255109681,"num_words":27,"start":2581.405,"end":2601.82},{"sentences":[{"text":"My job is to give you the recommendations to reach your goals and objectives.","start":2601.96,"end":2607.9548,"sentiment":"neutral","sentiment_score":0.23946890980005264},{"text":"You don't have to implement them.","start":2608.9749,"end":2610.9749,"sentiment":"neutral","sentiment_score":0.11549970755974452},{"text":"It's completely up to you.","start":2610.9749,"end":2612.6748,"sentiment":"neutral","sentiment_score":0.1740410178899765},{"text":"Okay?","start":2614.4148,"end":2614.9148,"sentiment":"neutral","sentiment_score":0.057364266365766525},{"text":"So the information's all here for you to consider.","start":2617.02,"end":2619.2,"sentiment":"neutral","sentiment_score":0.10070262932115132}],"sentiment":"neutral","sentiment_score":0.16798445720757757,"num_words":35,"start":2601.96,"end":2619.2},{"sentences":[{"text":"And I don't...","start":2620.1401,"end":2621.58,"sentiment":"neutral","sentiment_score":-0.04078404667476813},{"text":"And also just to be very, very clear, I'm not recommending you sell any of your existing investments.","start":2621.58,"end":2626.48,"sentiment":"neutral","sentiment_score":-0.15590817398495144},{"text":"I'm recommending that you redirect that money that you purchase, used to purchase fortnightly, 154 in total, to super instead.","start":2627.42,"end":2639.115,"sentiment":"neutral","sentiment_score":-0.04446119461208582},{"text":"Yep.","start":2643.575,"end":2644.055,"sentiment":"neutral","sentiment_score":-0.09368180483579636},{"text":"Just to be clear, I didn't wanna make that unclear in any way.","start":2644.055,"end":2648.37,"sentiment":"neutral","sentiment_score":-0.2400774285197258}],"sentiment":"neutral","sentiment_score":-0.12786566435613417,"num_words":55,"start":2620.1401,"end":2648.37},{"sentences":[{"text":"Yep.","start":2650.91,"end":2651.31,"sentiment":"neutral","sentiment_score":-0.08244310319423676},{"text":"Yeah.","start":2651.31,"end":2651.81,"sentiment":"neutral","sentiment_score":-0.06556442379951477},{"text":"Mhmm.","start":2656.03,"end":2656.53,"sentiment":"neutral","sentiment_score":-0.04157636314630509},{"text":"Yeah.","start":2658.43,"end":2658.93,"sentiment":"neutral","sentiment_score":-0.053363922983407974},{"text":"Yeah.","start":2661.515,"end":2661.755,"sentiment":"neutral","sentiment_score":0.0031774621456861496}],"sentiment":"neutral","sentiment_score":-0.047954070195555684,"num_words":5,"start":2650.91,"end":2661.755},{"sentences":[{"text":"I can understand that.","start":2661.755,"end":2663.135,"sentiment":"neutral","sentiment_score":-0.014851446729153395},{"text":"Yep.","start":2664.875,"end":2665.275,"sentiment":"neutral","sentiment_score":-0.018152935430407524},{"text":"Yeah.","start":2665.275,"end":2665.775,"sentiment":"neutral","sentiment_score":-0.009434688836336136},{"text":"That's absolutely fine.","start":2667.755,"end":2668.875,"sentiment":"neutral","sentiment_score":0.11413672069708507},{"text":"And and when you're ready to look at salary sacrifice, that's something that we can absolutely help with.","start":2668.875,"end":2674.83,"sentiment":"neutral","sentiment_score":0.03388263119591607}],"sentiment":"neutral","sentiment_score":0.03204830046053286,"num_words":27,"start":2661.755,"end":2674.83},{"sentences":[{"text":"Sorry?","start":2678.6501,"end":2679.1501,"sentiment":"neutral","sentiment_score":-0.14366978406906128},{"text":"No.","start":2681.37,"end":2681.61,"sentiment":"negative","sentiment_score":-0.4140807986259461},{"text":"That's okay.","start":2681.61,"end":2682.35,"sentiment":"negative","sentiment_score":-0.46884629130363464},{"text":"Yeah.","start":2684.825,"end":2685.1448,"sentiment":"negative","sentiment_score":-0.3875170946121216},{"text":"It's not a great line.","start":2685.1448,"end":2686.265,"sentiment":"negative","sentiment_score":-0.5649791955947876}],"sentiment":"negative","sentiment_score":-0.4707856237888336,"num_words":10,"start":2678.6501,"end":2686.265},{"sentences":[{"text":"That's alright.","start":2686.265,"end":2687.085,"sentiment":"neutral","sentiment_score":0.14283456653356552},{"text":"Okay.","start":2687.865,"end":2688.365,"sentiment":"neutral","sentiment_score":0.08293421566486359},{"text":"So the next page is your...","start":2690.345,"end":2693.565,"sentiment":"neutral","sentiment_score":-0.009833027919133505},{"text":"Is to apply for an increase in income protection.","start":2695.1448,"end":2697.6448,"sentiment":"neutral","sentiment_score":-0.010552201006147597},{"text":"So your monthly benefit falls short by approximately $2,015 a month.","start":2698.47,"end":2704.81,"sentiment":"negative","sentiment_score":-0.3574309159408916}],"sentiment":"neutral","sentiment_score":-0.1281760242478601,"num_words":29,"start":2686.265,"end":2704.81},{"sentences":[{"text":"We've recommended increasing it, and what this policy covers is your income should you be unable to work due to injury or illness up to 70%.","start":2705.1099,"end":2716.865,"sentiment":"neutral","sentiment_score":-0.08957092478298224},{"text":"The premium here is indicative at this stage.","start":2718.445,"end":2721.905,"sentiment":"neutral","sentiment_score":-0.12896292749792337},{"text":"We're just waiting on Tal to confirm the final amount.","start":2723.5652,"end":2727.5051,"sentiment":"neutral","sentiment_score":-0.03194279614835978},{"text":"But what they have said and come back to us is that based on a pre assessment, there would be loadings applied to new cover, not your pre assessment, and that's where they just speak with the insurance company to understand if there's any loadings or exclusions that would be applied to insurance policies.","start":2728.29,"end":2763.8398,"sentiment":"neutral","sentiment_score":-0.0981156227213365},{"text":"So based on that, when that was done, due to your...","start":2765.18,"end":2771.28,"sentiment":"neutral","sentiment_score":-0.04951779341155833}],"sentiment":"neutral","sentiment_score":-0.08736619064498932,"num_words":109,"start":2705.1099,"end":2771.28},{"sentences":[{"text":"Sorry.","start":2772.505,"end":2772.825,"sentiment":"neutral","sentiment_score":-0.13577735424041748},{"text":"I'm just jumping into a different page.","start":2772.825,"end":2775.005,"sentiment":"neutral","sentiment_score":-0.09807091632059642},{"text":"Your blood pressure, there's likely to be a loading.","start":2776.585,"end":2782.925,"sentiment":"neutral","sentiment_score":-0.0920706871483061},{"text":"Now that loading will be on your income protection up to 75% of the new premium only.","start":2783.465,"end":2791.95,"sentiment":"neutral","sentiment_score":-0.009767956374322666},{"text":"But if they they have said what they do is they'll arrange a nurse to come out and take some bloods from you at no cost to yourself.","start":2792.17,"end":2799.31,"sentiment":"neutral","sentiment_score":0.15443034975656442}],"sentiment":"neutral","sentiment_score":0.04043684809678985,"num_words":62,"start":2772.505,"end":2799.31},{"sentences":[{"text":"And if those blood tests indicate reading that Tal is is wanting to see, then that that loading could potentially be reduced down to 50% for income protection.","start":2800.17,"end":2812.595,"sentiment":"neutral","sentiment_score":0.10142180150640863},{"text":"So that premium can vary a little bit at the moment when not...","start":2813.135,"end":2816.335,"sentiment":"neutral","sentiment_score":-0.08413197214786823},{"text":"When nothing's set in stone.","start":2816.335,"end":2817.85,"sentiment":"neutral","sentiment_score":-0.08538813292980194},{"text":"And then also with any trauma and trauma insurance that we're looking at, there will be a 50% loading also.","start":2818.31,"end":2824.65,"sentiment":"neutral","sentiment_score":-0.02958920276723802},{"text":"Any questions about that?","start":2825.83,"end":2827.45,"sentiment":"neutral","sentiment_score":-0.015247101429849863}],"sentiment":"neutral","sentiment_score":0.00951973826491407,"num_words":70,"start":2800.17,"end":2827.45},{"sentences":[{"text":"Okay.","start":2831.11,"end":2831.59,"sentiment":"neutral","sentiment_score":0.0005195513367652893},{"text":"Yeah.","start":2831.59,"end":2832.09,"sentiment":"neutral","sentiment_score":-0.01852923445403576},{"text":"Yep.","start":2839.705,"end":2840.205,"sentiment":"neutral","sentiment_score":-0.026777802035212517},{"text":"Yep.","start":2840.265,"end":2840.765,"sentiment":"neutral","sentiment_score":-0.032928891479969025},{"text":"No.","start":2847.05,"end":2847.29,"sentiment":"neutral","sentiment_score":-0.2759721279144287}],"sentiment":"neutral","sentiment_score":-0.07073770090937614,"num_words":5,"start":2831.11,"end":2847.29},{"sentences":[{"text":"No.","start":2847.29,"end":2847.53,"sentiment":"neutral","sentiment_score":-0.27823764085769653},{"text":"Because this is private.","start":2847.53,"end":2848.75,"sentiment":"neutral","sentiment_score":-0.23223862797021866},{"text":"So the insurance companies use a health service.","start":2848.81,"end":2853.1501,"sentiment":"neutral","sentiment_score":-0.18617975525557995},{"text":"So, yeah, the nurses will come out to you directly.","start":2853.53,"end":2856.91,"sentiment":"neutral","sentiment_score":-0.02253202721476555},{"text":"They'll phone you, like, when we get to that stage, if we get to that stage, they'll...","start":2857.05,"end":2860.9148,"sentiment":"neutral","sentiment_score":-0.05459681599784423}],"sentiment":"neutral","sentiment_score":-0.09625240847235546,"num_words":40,"start":2847.29,"end":2860.9148},{"sentences":[{"text":"It will be covered and arranged and funded through the insurance company.","start":2860.9148,"end":2864.6948,"sentiment":"neutral","sentiment_score":-0.044818440452218056},{"text":"It's not through Medicare or anything like that.","start":2865.1548,"end":2867.7349,"sentiment":"neutral","sentiment_score":-0.1519551845267415},{"text":"So...","start":2870.755,"end":2870.9949,"sentiment":"neutral","sentiment_score":-0.01981455832719803},{"text":"Yeah.","start":2870.9949,"end":2871.2349,"sentiment":"neutral","sentiment_score":-0.039201900362968445},{"text":"So what I've done is I've recommended and increased your monthly benefit $2,015.52.","start":2871.2349,"end":2878.71,"sentiment":"neutral","sentiment_score":0.3155776674930866}],"sentiment":"neutral","sentiment_score":0.0654294416308403,"num_words":35,"start":2860.9148,"end":2878.71},{"sentences":[{"text":"Same waiting period being thirteen weeks, so ninety days, and a two year benefit period funded from super.","start":2879.25,"end":2885.75,"sentiment":"neutral","sentiment_score":0.19694393128156662},{"text":"At the moment, it's sitting at $1,048.18 extra per annum with the caveat that that that could potentially be more or less depending on results of blood tests.","start":2886.6099,"end":2900.965,"sentiment":"neutral","sentiment_score":-0.2156368915290971},{"text":"So we won't know exactly a 100% until that time.","start":2902.05,"end":2906.23,"sentiment":"neutral","sentiment_score":-0.26743185967206956},{"text":"And then at that time, you could make a decision anyhow, but I just wanna make that really clear at the moment.","start":2906.77,"end":2914.55,"sentiment":"neutral","sentiment_score":-0.04741131107915531},{"text":"Any questions about that?","start":2916.575,"end":2918.115,"sentiment":"neutral","sentiment_score":-0.01707996241748333}],"sentiment":"neutral","sentiment_score":-0.07656743280339713,"num_words":82,"start":2879.25,"end":2918.115},{"sentences":[{"text":"No?","start":2919.9348,"end":2920.4348,"sentiment":"neutral","sentiment_score":-0.18347516655921936},{"text":"No?","start":2921.375,"end":2921.875,"sentiment":"neutral","sentiment_score":-0.27281463146209717},{"text":"Sorry?","start":2925.135,"end":2925.635,"sentiment":"neutral","sentiment_score":-0.26003336906433105},{"text":"Yeah.","start":2930.4202,"end":2930.58,"sentiment":"neutral","sentiment_score":-0.1194632425904274},{"text":"There's a there's a few factors that they do take into consideration with underwriting.","start":2930.58,"end":2935.24,"sentiment":"neutral","sentiment_score":-0.19220178361449922}],"sentiment":"neutral","sentiment_score":-0.195922854459948,"num_words":18,"start":2919.9348,"end":2935.24},{"sentences":[{"text":"And, yeah, it's more...","start":2936.58,"end":2940.28,"sentiment":"neutral","sentiment_score":-0.10690157301723957},{"text":"It's probably a combination of your blood pressure and...","start":2940.4202,"end":2945.905,"sentiment":"neutral","sentiment_score":-0.14687263468901315},{"text":"It's cholesterol.","start":2945.9648,"end":2946.865,"sentiment":"neutral","sentiment_score":-0.12282133102416992},{"text":"Is that correct?","start":2946.925,"end":2947.825,"sentiment":"neutral","sentiment_score":-0.07334260145823161},{"text":"No.","start":2949.805,"end":2950.205,"sentiment":"neutral","sentiment_score":-0.2154059112071991}],"sentiment":"neutral","sentiment_score":-0.1279229674684374,"num_words":19,"start":2936.58,"end":2950.205},{"sentences":[{"text":"Sorry.","start":2950.205,"end":2950.705,"sentiment":"neutral","sentiment_score":-0.1723250150680542},{"text":"Yeah.","start":2950.845,"end":2951.165,"sentiment":"neutral","sentiment_score":-0.10189619660377502},{"text":"The blood pressure.","start":2951.165,"end":2951.9648,"sentiment":"neutral","sentiment_score":-0.14931623389323553},{"text":"Sorry.","start":2951.9648,"end":2952.4648,"sentiment":"neutral","sentiment_score":-0.12340344488620758},{"text":"And your...","start":2953.2449,"end":2955.265,"sentiment":"neutral","sentiment_score":-0.08179682865738869}],"sentiment":"neutral","sentiment_score":-0.1261458769440651,"num_words":8,"start":2950.205,"end":2955.265},{"sentences":[{"text":"Let's have a look.","start":2956.125,"end":2957.345,"sentiment":"neutral","sentiment_score":-0.03624978521838784},{"text":"Alright.","start":2963.1602,"end":2963.6602,"sentiment":"neutral","sentiment_score":0.051700882613658905},{"text":"That's okay.","start":2963.7202,"end":2964.36,"sentiment":"neutral","sentiment_score":0.06882751546800137},{"text":"But...","start":2964.36,"end":2964.6,"sentiment":"neutral","sentiment_score":-0.014692610129714012},{"text":"Yeah.","start":2964.6,"end":2964.84,"sentiment":"neutral","sentiment_score":0.006129618734121323}],"sentiment":"neutral","sentiment_score":0.003977086808946397,"num_words":9,"start":2956.125,"end":2964.84},{"sentences":[{"text":"So we would have a better understanding of that once that's done, what the price would be.","start":2964.84,"end":2969.6602,"sentiment":"neutral","sentiment_score":-0.0751241802730981},{"text":"You also asked me to just have a look at trauma insurance, which is the amount that...","start":2970.695,"end":2975.095,"sentiment":"neutral","sentiment_score":-0.01812223838094403},{"text":"The type of cover that covers you if you're diagnosed with a specific health condition being...","start":2975.095,"end":2982.055,"sentiment":"neutral","sentiment_score":-0.0883210024330765},{"text":"And they range from cancer, heart attack, stroke.","start":2982.055,"end":2984.475,"sentiment":"neutral","sentiment_score":-0.07404361758381128},{"text":"We looked at that for...","start":2986.14,"end":2987.5,"sentiment":"neutral","sentiment_score":-0.0326908104121685}],"sentiment":"neutral","sentiment_score":-0.059589335694909096,"num_words":63,"start":2964.84,"end":2987.5},{"sentences":[{"text":"To help with some out of pocket expenses and a lump sum to help with the recuperation period.","start":2987.5,"end":2992.48,"sentiment":"neutral","sentiment_score":-0.04026622118221389},{"text":"And with the loading, that comes out at approximately $223.88 per month, and that has to be paid from your personal cash flow as it's unable to be paid from super.","start":2992.94,"end":3004.4949,"sentiment":"neutral","sentiment_score":-0.22953910789182108},{"text":"Yes.","start":3007.355,"end":3007.855,"sentiment":"neutral","sentiment_score":0.1851149946451187},{"text":"Yep.","start":3008.075,"end":3008.575,"sentiment":"neutral","sentiment_score":0.25655585527420044},{"text":"So that's there for your information for you to consider there.","start":3009.195,"end":3012.8,"sentiment":"neutral","sentiment_score":0.22836592928929764}],"sentiment":"neutral","sentiment_score":-0.0788194879649147,"num_words":62,"start":2987.5,"end":3012.8},{"sentences":[{"text":"So, basically, the recommendation, to summarize, is to increase your income protection to make sure you can cover the most you can of your income if you're covered if you are injured or unable to work due to illness, and that the trauma insurance has been recommended should you be diagnosed with a critical event.","start":3013.98,"end":3039.805,"sentiment":"neutral","sentiment_score":-0.003442890163172375},{"text":"No.","start":3039.87,"end":3040.37,"sentiment":"neutral","sentiment_score":-0.03864729404449463},{"text":"Yeah.","start":3045.31,"end":3045.81,"sentiment":"neutral","sentiment_score":0.003629261627793312},{"text":"That's fantastic news.","start":3050.1902,"end":3051.885,"sentiment":"positive","sentiment_score":0.6847944855690002},{"text":"Yeah.","start":3054.765,"end":3055.265,"sentiment":"neutral","sentiment_score":0.050644755363464355}],"sentiment":"neutral","sentiment_score":0.03083034787998825,"num_words":61,"start":3013.98,"end":3055.265},{"sentences":[{"text":"Yeah.","start":3057.485,"end":3057.805,"sentiment":"neutral","sentiment_score":0.1867605447769165},{"text":"That's absolutely fine.","start":3057.805,"end":3059.325,"sentiment":"positive","sentiment_score":0.3337587813536326},{"text":"Absolutely fine.","start":3059.325,"end":3060.465,"sentiment":"positive","sentiment_score":0.34790289402008057},{"text":"With the income protection, what were you thinking?","start":3060.845,"end":3062.945,"sentiment":"neutral","sentiment_score":0.04752435814589262},{"text":"Well, based on your income of 125,500, the you aren't...","start":3069.91,"end":3077.9548,"sentiment":"neutral","sentiment_score":-0.02331413310021162}],"sentiment":"neutral","sentiment_score":0.08462067546012501,"num_words":24,"start":3057.485,"end":3077.9548},{"sentences":[{"text":"You you do have a shortfall of about 2,000 that you can insure for your income.","start":3078.015,"end":3082.1948,"sentiment":"neutral","sentiment_score":-0.10724159423261881},{"text":"So if you were injured now, right now, I'm gonna jump back to...","start":3082.255,"end":3087.9348,"sentiment":"neutral","sentiment_score":-0.11873116344213486},{"text":"Or unable to work due to illness, for example, the maximum you'd receive per month is $5,304.","start":3087.9348,"end":3095.3901,"sentiment":"neutral","sentiment_score":-0.11753648168900434},{"text":"Yes.","start":3116.58,"end":3117.06,"sentiment":"neutral","sentiment_score":0.017305094748735428},{"text":"Yep.","start":3117.06,"end":3117.4602,"sentiment":"neutral","sentiment_score":0.015871943905949593}],"sentiment":"neutral","sentiment_score":-0.10883987046933423,"num_words":48,"start":3078.015,"end":3117.4602},{"sentences":[{"text":"So if we go to the next pay...","start":3117.4602,"end":3120.58,"sentiment":"neutral","sentiment_score":-0.00153281819075346},{"text":"Oh, not the next page.","start":3120.58,"end":3121.62,"sentiment":"neutral","sentiment_score":-0.018328245356678964},{"text":"Let's call it page 34.","start":3121.62,"end":3123.4001,"sentiment":"neutral","sentiment_score":0.0022283684462308883},{"text":"It does show you the impact.","start":3123.7002,"end":3125.4001,"sentiment":"neutral","sentiment_score":-0.0011475362504522009},{"text":"So...","start":3125.4602,"end":3125.9602,"sentiment":"neutral","sentiment_score":-0.010184574872255324}],"sentiment":"neutral","sentiment_score":-0.004393268898129463,"num_words":25,"start":3117.4602,"end":3125.9602},{"sentences":[{"text":"Of the premium on your balance.","start":3126.1802,"end":3128.28,"sentiment":"neutral","sentiment_score":-0.024896529813607533},{"text":"So there's a little table there that says premium five year impact, eleven year impact.","start":3130.495,"end":3135.215,"sentiment":"neutral","sentiment_score":-0.009495303484921653},{"text":"So eleven year being for retirement, current, and recommended.","start":3135.215,"end":3138.915,"sentiment":"neutral","sentiment_score":-0.002322265257438024},{"text":"So it does have a impact on your balance, most certainly.","start":3139.455,"end":3143.0398,"sentiment":"neutral","sentiment_score":-0.03979138013991443},{"text":"You can see from those tables and those figures.","start":3143.18,"end":3146.3198,"sentiment":"neutral","sentiment_score":-0.0001511571721898185}],"sentiment":"neutral","sentiment_score":-0.015035494291223585,"num_words":50,"start":3126.1802,"end":3146.3198},{"sentences":[{"text":"Even just the small amount a thousand dollars makes a year can have a big difference, But to weigh the option as well is if you are unable to work or or you were injured, could you meet your income needs based on your current sum insured?","start":3149.66,"end":3179.25,"sentiment":"neutral","sentiment_score":-0.015734478117937736},{"text":"Yep.","start":3182.91,"end":3182.99,"sentiment":"neutral","sentiment_score":-0.06503445655107498},{"text":"Yep.","start":3182.99,"end":3183.49,"sentiment":"neutral","sentiment_score":-0.09480779618024826},{"text":"That's alright.","start":3189.085,"end":3189.9849,"sentiment":"neutral","sentiment_score":0.07812043651938438},{"text":"No.","start":3190.125,"end":3190.4448,"sentiment":"neutral","sentiment_score":-0.1575242280960083}],"sentiment":"neutral","sentiment_score":-0.01732011691022378,"num_words":52,"start":3149.66,"end":3190.4448},{"sentences":[{"text":"I I hear you.","start":3190.4448,"end":3191.565,"sentiment":"neutral","sentiment_score":-0.16185414791107178},{"text":"I'm the same.","start":3191.565,"end":3192.545,"sentiment":"neutral","sentiment_score":-0.06489277879397075},{"text":"Alright.","start":3192.6848,"end":3193.085,"sentiment":"neutral","sentiment_score":0.09790684282779694},{"text":"So that's okay.","start":3193.085,"end":3193.885,"sentiment":"neutral","sentiment_score":0.20877055327097574},{"text":"I'll make a note of that.","start":3193.885,"end":3195.265,"sentiment":"neutral","sentiment_score":0.12493707487980525}],"sentiment":"neutral","sentiment_score":0.037161530817256254,"num_words":17,"start":3190.4448,"end":3195.265},{"sentences":[{"text":"The risks of implementing the income protection is that you're gonna pay more for it, which we've just talked through.","start":3197.565,"end":3203.9,"sentiment":"neutral","sentiment_score":-0.27626523077487947},{"text":"We do need to go through the application process again, so there will be a...","start":3205.0798,"end":3209.98,"sentiment":"neutral","sentiment_score":-0.06077211027344068},{"text":"You will need to complete a application and being the health questions and all that when you applied for your original policy for the increase in that small amount of cover, but any loadings will not be applied to your existing cover.","start":3210.1199,"end":3222.465,"sentiment":"neutral","sentiment_score":-0.0886341446034965},{"text":"It's only the new cover you're taking out now.","start":3222.465,"end":3224.5452,"sentiment":"neutral","sentiment_score":-0.11917225437031852},{"text":"So we won't be touching the existing because we don't want to put you in a worse off position.","start":3224.5452,"end":3234.46,"sentiment":"neutral","sentiment_score":-0.2761414290258759}],"sentiment":"neutral","sentiment_score":-0.1569405503216244,"num_words":105,"start":3197.565,"end":3234.46},{"sentences":[{"text":"That's okay.","start":3235.14,"end":3235.96,"sentiment":"neutral","sentiment_score":0.2251235544681549},{"text":"The next the next nominate...","start":3236.3398,"end":3240.0398,"sentiment":"neutral","sentiment_score":0.08570045158267021},{"text":"Recommendation is making a beneficiary nomination.","start":3240.0999,"end":3242.5999,"sentiment":"neutral","sentiment_score":0.3086405396461487},{"text":"We've recommended making it to your estate, and in conjunction with that is establishing a will to make sure that your superannuation is, and your superannuation and life insurance, I should say, is distributed as per your wishes.","start":3243.2048,"end":3261.0898,"sentiment":"neutral","sentiment_score":0.286700985933605},{"text":"Is there any changes you'd like to make to the beneficiary nomination, or you're happy for it to go to your estate?","start":3262.91,"end":3270.2898,"sentiment":"neutral","sentiment_score":0.3282902349125255}],"sentiment":"neutral","sentiment_score":0.28558377038738497,"num_words":73,"start":3235.14,"end":3270.2898},{"sentences":[{"text":"What were your thoughts there?","start":3271.2449,"end":3273.105,"sentiment":"neutral","sentiment_score":0.07535036280751228},{"text":"Yes?","start":3279.085,"end":3279.585,"sentiment":"neutral","sentiment_score":0.057621411979198456},{"text":"Yep.","start":3283.1648,"end":3283.56,"sentiment":"neutral","sentiment_score":0.13678288459777832},{"text":"We can definitely nominate him.","start":3288.52,"end":3290.62,"sentiment":"positive","sentiment_score":0.3637041985988617},{"text":"The...","start":3291.08,"end":3291.58,"sentiment":"neutral","sentiment_score":0.07860130071640015}],"sentiment":"neutral","sentiment_score":0.18986756956348053,"num_words":13,"start":3271.2449,"end":3291.58},{"sentences":[{"text":"So the only difference between nominating him versus your will, and I'll just explain it very quickly, is about 2% in tax, what it comes down to.","start":3292.04,"end":3301.955,"sentiment":"neutral","sentiment_score":-0.1092882143954436},{"text":"So when you nominate an adult child, they're not a financial dependent for superannuation law.","start":3302.2551,"end":3309.39,"sentiment":"neutral","sentiment_score":-0.07086172327399254},{"text":"So what happens is if they're paid a benefit, they're taxed at 17%.","start":3309.63,"end":3314.75,"sentiment":"neutral","sentiment_score":-0.09200835457214943},{"text":"So that's 15% plus 2% Medicare that the government will tax the benefits on.","start":3314.75,"end":3320.3699,"sentiment":"neutral","sentiment_score":-0.05925856956413814},{"text":"If it is paid to your will, it will be 15% only.","start":3320.75,"end":3325.0452,"sentiment":"neutral","sentiment_score":-0.04963914770632982}],"sentiment":"neutral","sentiment_score":-0.08191488880986049,"num_words":81,"start":3292.04,"end":3325.0452},{"sentences":[{"text":"So you will save...","start":3325.0452,"end":3326.185,"sentiment":"neutral","sentiment_score":0.01334916241466999},{"text":"The estate will save on the 2% Medicare.","start":3326.3252,"end":3328.985,"sentiment":"neutral","sentiment_score":0.05825895722955465},{"text":"So we can certainly name your son as the beneficiary, but just so you're aware, that's how it will be taxed.","start":3329.125,"end":3336.69,"sentiment":"neutral","sentiment_score":0.05326031432265327},{"text":"A matter of when.","start":3343.81,"end":3344.69,"sentiment":"neutral","sentiment_score":-0.09647577442228794},{"text":"That's right.","start":3344.69,"end":3345.25,"sentiment":"neutral","sentiment_score":0.003119868517387658}],"sentiment":"neutral","sentiment_score":0.03226337301580665,"num_words":39,"start":3325.0452,"end":3345.25},{"sentences":[{"text":"Isn't it?","start":3345.25,"end":3346.0698,"sentiment":"neutral","sentiment_score":-0.03261978831142187},{"text":"Correct.","start":3351.705,"end":3352.205,"sentiment":"neutral","sentiment_score":0.01446065492928028},{"text":"Yep.","start":3356.105,"end":3356.605,"sentiment":"neutral","sentiment_score":0.04478394240140915},{"text":"That's okay.","start":3366.9502,"end":3367.85,"sentiment":"neutral","sentiment_score":0.019126661121845245},{"text":"Did you want me to have the...","start":3369.75,"end":3371.77,"sentiment":"neutral","sentiment_score":-0.0067617762833833694}],"sentiment":"neutral","sentiment_score":-0.001159545464011339,"num_words":13,"start":3345.25,"end":3371.77},{"sentences":[{"text":"Sorry?","start":3372.79,"end":3373.29,"sentiment":"neutral","sentiment_score":-0.04543623700737953},{"text":"It's something you should definitely speak to a solicitor about.","start":3380.5151,"end":3383.875,"sentiment":"neutral","sentiment_score":0.09688126817345619},{"text":"They can definitely give you advice on that.","start":3383.875,"end":3386.7551,"sentiment":"neutral","sentiment_score":0.13003658317029476},{"text":"They're called testamentary trusts.","start":3386.7551,"end":3388.535,"sentiment":"neutral","sentiment_score":0.06824642606079578},{"text":"A testamentary trust.","start":3392.195,"end":3393.6,"sentiment":"neutral","sentiment_score":0.0212853600581487}],"sentiment":"neutral","sentiment_score":0.08848118825027576,"num_words":26,"start":3372.79,"end":3393.6},{"sentences":[{"text":"So what that means is the trust is established on your passing.","start":3394.4001,"end":3399.12,"sentiment":"neutral","sentiment_score":0.018110073326776426},{"text":"So it doesn't let...","start":3399.12,"end":3400.08,"sentiment":"neutral","sentiment_score":-0.026393470354378223},{"text":"It's not existent until your will comes into effect, essentially.","start":3400.08,"end":3407.3801,"sentiment":"neutral","sentiment_score":-0.11058259531855583},{"text":"And then the the guarantor...","start":3408.405,"end":3410.425,"sentiment":"neutral","sentiment_score":-0.05308738350868225},{"text":"Sorry.","start":3410.645,"end":3410.965,"sentiment":"neutral","sentiment_score":-0.07408103346824646}],"sentiment":"neutral","sentiment_score":-0.04167490330291912,"num_words":32,"start":3394.4001,"end":3410.965},{"sentences":[{"text":"The guarantor...","start":3410.965,"end":3411.605,"sentiment":"neutral","sentiment_score":-0.058668142184615135},{"text":"The executor will set the estate up as per the instructions in the will.","start":3411.605,"end":3417.625,"sentiment":"neutral","sentiment_score":-0.01797197705933026},{"text":"So definitely, if you're concerned about any financial vulnerability or questionable decisions or exposure to any creditors or anything like that, a testamentary trust is something you can explore with the advice of a solicitor.","start":3418.325,"end":3439.515,"sentiment":"neutral","sentiment_score":0.0187050810216793},{"text":"In the meantime, yeah.","start":3445.815,"end":3448.48,"sentiment":"neutral","sentiment_score":0.0609344681724906},{"text":"Yeah.","start":3448.94,"end":3449.02,"sentiment":"neutral","sentiment_score":0.07161019742488861}],"sentiment":"neutral","sentiment_score":0.01073360611917451,"num_words":56,"start":3410.965,"end":3449.02},{"sentences":[{"text":"In the meantime, did you wanna nominate Gabrielle as your beneficiary?","start":3449.02,"end":3453.28,"sentiment":"neutral","sentiment_score":0.0696051689711484},{"text":"Alright.","start":3454.0598,"end":3454.5598,"sentiment":"neutral","sentiment_score":0.044491302222013474},{"text":"I'm I'm...","start":3454.6199,"end":3455.3398,"sentiment":"neutral","sentiment_score":0.012119333259761333},{"text":"To make sure the forms are filled out correctly, I'm gonna check all the spelling.","start":3455.3398,"end":3459.5999,"sentiment":"neutral","sentiment_score":0.04731068511803945},{"text":"Gabrielle is g a b r I e l.","start":3459.66,"end":3462.945,"sentiment":"neutral","sentiment_score":0.031397775643401675}],"sentiment":"neutral","sentiment_score":0.04806913381540462,"num_words":38,"start":3449.02,"end":3462.945},{"sentences":[{"text":"Is that correct?","start":3462.945,"end":3463.925,"sentiment":"neutral","sentiment_score":0.053308007617791496},{"text":"And and same surname?","start":3466.225,"end":3467.925,"sentiment":"neutral","sentiment_score":0.036249020136892796},{"text":"Lovely.","start":3470.945,"end":3471.445,"sentiment":"neutral","sentiment_score":0.14827105402946472},{"text":"Yes, please.","start":3473.425,"end":3474.3252,"sentiment":"neutral","sentiment_score":0.042463721707463264},{"text":"Lovely.","start":3477.84,"end":3478.32,"sentiment":"neutral","sentiment_score":0.16292661428451538}],"sentiment":"neutral","sentiment_score":0.06373138319362294,"num_words":11,"start":3462.945,"end":3478.32},{"sentences":[{"text":"And what's his date of birth?","start":3478.32,"end":3479.8599,"sentiment":"neutral","sentiment_score":0.06992533182104428},{"text":"Yes.","start":3483.52,"end":3484.02,"sentiment":"neutral","sentiment_score":0.03739091008901596},{"text":"Two thousand and six.","start":3485.84,"end":3487.22,"sentiment":"neutral","sentiment_score":0.04584853630512953},{"text":"Lovely.","start":3487.44,"end":3487.94,"sentiment":"neutral","sentiment_score":0.13488972187042236},{"text":"Thank you for that, Carmen.","start":3488.0,"end":3489.38,"sentiment":"positive","sentiment_score":0.7862254858016968}],"sentiment":"neutral","sentiment_score":0.2768443645361592,"num_words":17,"start":3478.32,"end":3489.38},{"sentences":[{"text":"Alright.","start":3489.775,"end":3490.095,"sentiment":"positive","sentiment_score":0.4102724194526672},{"text":"I can make sure that is updated.","start":3490.095,"end":3492.515,"sentiment":"neutral","sentiment_score":0.2843907411609377},{"text":"So there'll be forms for that also.","start":3492.815,"end":3494.915,"sentiment":"neutral","sentiment_score":0.15931452810764313},{"text":"So do you have a solicitor you can talk to about estate planning?","start":3497.055,"end":3500.515,"sentiment":"neutral","sentiment_score":0.06776994208876903},{"text":"That's okay.","start":3508.76,"end":3509.48,"sentiment":"neutral","sentiment_score":0.24393753707408905}],"sentiment":"neutral","sentiment_score":0.1628364541878303,"num_words":30,"start":3489.775,"end":3509.48},{"sentences":[{"text":"We have someone that we do work with that's quite reasonable.","start":3509.48,"end":3512.54,"sentiment":"positive","sentiment_score":0.37048486416990106},{"text":"I may have sent it to you following our review because I do offer it to everyone, but what I can do is resend it to you if you like.","start":3512.6,"end":3518.6,"sentiment":"neutral","sentiment_score":0.2560966948668162},{"text":"They can do it over the phone with you as well and talk about those.","start":3518.6,"end":3523.125,"sentiment":"neutral","sentiment_score":0.3195045272509257},{"text":"And I can also include a brochure for a testamentary trust if you like.","start":3523.125,"end":3526.8252,"sentiment":"neutral","sentiment_score":0.23051038597311294},{"text":"Yeah.","start":3533.89,"end":3534.3699,"sentiment":"neutral","sentiment_score":0.09862177819013596}],"sentiment":"neutral","sentiment_score":0.27995168228804224,"num_words":71,"start":3509.48,"end":3534.3699},{"sentences":[{"text":"That...","start":3534.3699,"end":3534.45,"sentiment":"neutral","sentiment_score":0.08766329288482666},{"text":"That's absolutely fine.","start":3534.45,"end":3535.91,"sentiment":"neutral","sentiment_score":0.2608358860015869},{"text":"And then the...","start":3537.09,"end":3538.59,"sentiment":"neutral","sentiment_score":0.070761539041996},{"text":"One of the last recommendations is a part of that estate planning is to establish a power of attorney, which goes allow somebody to make decisions on your behalf if you're unable to.","start":3538.85,"end":3550.955,"sentiment":"neutral","sentiment_score":0.07109841808789608},{"text":"What's...","start":3552.775,"end":3553.275,"sentiment":"neutral","sentiment_score":-0.014544529840350153}],"sentiment":"neutral","sentiment_score":0.08327216670916575,"num_words":41,"start":3534.3699,"end":3553.275},{"sentences":[{"text":"Sorry?","start":3554.295,"end":3554.795,"sentiment":"neutral","sentiment_score":-0.05944960191845894},{"text":"Yes.","start":3557.735,"end":3558.135,"sentiment":"neutral","sentiment_score":0.004288455471396446},{"text":"Yes.","start":3558.135,"end":3558.455,"sentiment":"neutral","sentiment_score":0.015521608293056488},{"text":"It usually is.","start":3558.455,"end":3559.5,"sentiment":"neutral","sentiment_score":0.01112537831068039},{"text":"Yeah.","start":3561.58,"end":3561.9,"sentiment":"neutral","sentiment_score":0.04083783179521561}],"sentiment":"neutral","sentiment_score":0.004939204081892967,"num_words":7,"start":3554.295,"end":3561.9},{"sentences":[{"text":"So it could be a friend, a a sibling, a relative, or somebody that you trust to make those decisions on your behalf for health and financial decisions if you're unable or incapacitated in any way.","start":3561.9,"end":3574.665,"sentiment":"neutral","sentiment_score":0.04743704111832711},{"text":"The final parts of this document is ongoing service.","start":3577.285,"end":3580.805,"sentiment":"neutral","sentiment_score":0.0347868042687575},{"text":"So as you know, the ongoing service doesn't change.","start":3580.805,"end":3584.7449,"sentiment":"neutral","sentiment_score":0.03419629898336199},{"text":"We'll do conduct our reviews.","start":3585.125,"end":3587.065,"sentiment":"neutral","sentiment_score":0.060101627558469775},{"text":"We're here at any time should you need to seek further advice or have any questions.","start":3587.285,"end":3593.1501,"sentiment":"neutral","sentiment_score":0.08692272962071002}],"sentiment":"neutral","sentiment_score":0.05359804295003414,"num_words":75,"start":3561.9,"end":3593.1501},{"sentences":[{"text":"No changes there.","start":3595.1301,"end":3596.35,"sentiment":"neutral","sentiment_score":-0.035347722470760345},{"text":"The important...","start":3598.25,"end":3598.9102,"sentiment":"neutral","sentiment_score":0.06418033502995968},{"text":"That's okay.","start":3599.77,"end":3600.4102,"sentiment":"neutral","sentiment_score":0.18684789538383484},{"text":"The important information is, you know, that we do conduct our reviews when when they come due to make sure that everything sits right.","start":3600.4102,"end":3609.575,"sentiment":"neutral","sentiment_score":0.13965837098658085},{"text":"And remuneration wise, no changes to your superannuation fee.","start":3609.795,"end":3616.455,"sentiment":"neutral","sentiment_score":0.0417585749593046}],"sentiment":"neutral","sentiment_score":0.10309103429317475,"num_words":40,"start":3595.1301,"end":3616.455},{"sentences":[{"text":"Well, on the next page, that's right slightly higher by a few dollars, but we do get paid commission from the insurance company on policies that I've put in force.","start":3617.8499,"end":3629.205,"sentiment":"neutral","sentiment_score":0.17613908822337787},{"text":"So if you do proceed with that insure...","start":3629.685,"end":3633.225,"sentiment":"neutral","sentiment_score":0.1982829598709941},{"text":"That increase of income protection, we can be paid up to about $2,500 for that from the insurance company, not from you.","start":3633.365,"end":3642.985,"sentiment":"neutral","sentiment_score":0.30093414878303354},{"text":"The next page just shows the ongoing adviser fee from your super funds and then the ongoing commission that we already received from your existing policies.","start":3643.68,"end":3655.94,"sentiment":"neutral","sentiment_score":0.17520415152494723},{"text":"The next page is just cover off on the authority to proceed, cover off on those headline strategies that we talked through and how to implement the advices spoken through following that with a summary of the remuneration again at the top.","start":3658.4849,"end":3674.77,"sentiment":"neutral","sentiment_score":0.06921064445660227}],"sentiment":"neutral","sentiment_score":0.16369642660720274,"num_words":128,"start":3617.8499,"end":3674.77},{"sentences":[{"text":"The page 52, which is the second last page, you'll see that there's a big blank box.","start":3677.31,"end":3682.785,"sentiment":"neutral","sentiment_score":0.015694272101801986},{"text":"That's where we'll get you to type in the parts that you do...","start":3683.025,"end":3686.885,"sentiment":"neutral","sentiment_score":0.013346383348107338},{"text":"Of the advice that you wish to vary.","start":3687.025,"end":3688.785,"sentiment":"neutral","sentiment_score":-0.11204868275672197},{"text":"So for example, you mentioned you don't wanna look at the trauma insurance or the salary sacrifice at the moment.","start":3688.785,"end":3696.1648,"sentiment":"neutral","sentiment_score":-0.17454410381615162},{"text":"What I would ask you to do once you've had the chance to review the document and you're happy to proceed is to write in there what you do not want to proceed with out of the...","start":3696.64,"end":3707.36,"sentiment":"neutral","sentiment_score":-0.162661894249755}],"sentiment":"neutral","sentiment_score":-0.10489953701433383,"num_words":95,"start":3677.31,"end":3707.36},{"sentences":[{"text":"All the advice and then sign the document.","start":3707.36,"end":3710.4648,"sentiment":"neutral","sentiment_score":-0.02376546896994114},{"text":"And that gives us then the the clear directions on what to implement for you on your behalf.","start":3711.7249,"end":3718.2249,"sentiment":"neutral","sentiment_score":0.14499578500787416},{"text":"Yes.","start":3729.7,"end":3730.1,"sentiment":"neutral","sentiment_score":0.05188445746898651},{"text":"That's right.","start":3730.1,"end":3730.82,"sentiment":"neutral","sentiment_score":0.09735499694943428},{"text":"Yeah.","start":3730.82,"end":3731.32,"sentiment":"neutral","sentiment_score":0.07927446067333221}],"sentiment":"neutral","sentiment_score":0.09152230968077978,"num_words":30,"start":3707.36,"end":3731.32},{"sentences":[{"text":"No.","start":3749.76,"end":3750.26,"sentiment":"neutral","sentiment_score":-0.256253182888031},{"text":"Yeah.","start":3750.6401,"end":3751.04,"sentiment":"neutral","sentiment_score":-0.17937377095222473},{"text":"Just what you what you don't want to...","start":3751.04,"end":3753.44,"sentiment":"neutral","sentiment_score":-0.24511818774044514},{"text":"And then, you know, happy to proceed with everything else, for 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done.","start":3799.825,"end":3800.385,"sentiment":"positive","sentiment_score":0.6064093112945557},{"text":"That's really good.","start":3800.385,"end":3801.1848,"sentiment":"positive","sentiment_score":0.6265904704729716},{"text":"There's not a lot of people that proactively manage their health, so fantastic.","start":3801.1848,"end":3806.26,"sentiment":"neutral","sentiment_score":0.3199631033035425}],"sentiment":"positive","sentiment_score":0.40288067534565924,"num_words":20,"start":3798.4648,"end":3806.26},{"sentences":[{"text":"That's really good.","start":3807.2,"end":3808.5,"sentiment":"positive","sentiment_score":0.5248688658078512},{"text":"I understand that.","start":3811.04,"end":3817.755,"sentiment":"neutral","sentiment_score":0.015597355552017689},{"text":"Yeah.","start":3821.095,"end":3821.4949,"sentiment":"neutral","sentiment_score":0.12482556700706482},{"text":"That's right.","start":3821.4949,"end":3822.295,"sentiment":"neutral","sentiment_score":0.1598980873823166},{"text":"That's exactly right.","start":3822.295,"end":3823.515,"sentiment":"neutral","sentiment_score":0.27099257707595825}],"sentiment":"neutral","sentiment_score":0.23991651142326495,"num_words":12,"start":3807.2,"end":3823.515},{"sentences":[{"text":"Yeah.","start":3840.55,"end":3840.885,"sentiment":"neutral","sentiment_score":0.04510995373129845},{"text":"I understand that.","start":3847.685,"end":3848.805,"sentiment":"neutral","sentiment_score":0.08198560277620952},{"text":"And they're they're brilliant goals to have.","start":3848.805,"end":3850.805,"sentiment":"neutral","sentiment_score":0.2101582352604185},{"text":"And I don't think people probably think forward that far enough to plan that far ahead.","start":3850.805,"end":3855.21,"sentiment":"neutral","sentiment_score":0.014025285141542554},{"text":"So that's fantastic that you've got those goals set.","start":3855.6702,"end":3858.97,"sentiment":"positive","sentiment_score":0.5373358825842539}],"sentiment":"neutral","sentiment_score":0.1895167198446062,"num_words":36,"start":3840.55,"end":3858.97},{"sentences":[{"text":"I think it's great.","start":3859.83,"end":3864.8901,"sentiment":"positive","sentiment_score":0.3516576662659645},{"text":"Given me food for thought too.","start":3866.31,"end":3868.49,"sentiment":"neutral","sentiment_score":0.17944399764140448},{"text":"And the final page of that is the adviser declaration.","start":3871.4849,"end":3874.705,"sentiment":"neutral","sentiment_score":0.0500271949917078},{"text":"So that's just me saying that I am authorized to provide advice on the products I've given you.","start":3874.765,"end":3881.565,"sentiment":"neutral","sentiment_score":0.06584527881609069},{"text":"I've given you a financial services guide, which we I gave in our last review meeting.","start":3881.565,"end":3887.73,"sentiment":"neutral","sentiment_score":0.07513306848704815}],"sentiment":"neutral","sentiment_score":0.09946130954281047,"num_words":54,"start":3859.83,"end":3887.73},{"sentences":[{"text":"I've given you the product disclosure statements, which are in this lovely document...","start":3887.73,"end":3893.75,"sentiment":"neutral","sentiment_score":0.07665410695167688},{"text":"Attached to this lovely document that you've received.","start":3893.8098,"end":3896.5498,"sentiment":"neutral","sentiment_score":0.09934149123728275},{"text":"And then the next document over is the appendix to the statement of of advice.","start":3898.45,"end":3903.515,"sentiment":"neutral","sentiment_score":0.04330307121078173},{"text":"So that that is running through that.","start":3903.515,"end":3907.375,"sentiment":"neutral","sentiment_score":0.03634959139994213},{"text":"There's a risk profile page.","start":3907.595,"end":3909.355,"sentiment":"neutral","sentiment_score":0.021038562431931494}],"sentiment":"neutral","sentiment_score":0.058342111258146666,"num_words":48,"start":3887.73,"end":3909.355},{"sentences":[{"text":"So that will go...","start":3909.355,"end":3910.475,"sentiment":"neutral","sentiment_score":0.022569340653717518},{"text":"It shows you the different types of risk profile.","start":3910.475,"end":3912.7349,"sentiment":"neutral","sentiment_score":0.034967240360048085},{"text":"You're down the middle there as a growth investor, and it just shows you the typical typical allocation would have to different sectors.","start":3913.23,"end":3920.13,"sentiment":"neutral","sentiment_score":0.051352762657663094},{"text":"The...","start":3922.19,"end":3922.43,"sentiment":"neutral","sentiment_score":-0.02630104124546051},{"text":"This...","start":3922.43,"end":3922.93,"sentiment":"neutral","sentiment_score":-0.03738964721560478}],"sentiment":"neutral","sentiment_score":0.040063299434749705,"num_words":38,"start":3909.355,"end":3922.93},{"sentences":[{"text":"Oh, yes.","start":3926.435,"end":3926.9949,"sentiment":"neutral","sentiment_score":-0.008976372890174389},{"text":"Sorry.","start":3926.9949,"end":3927.315,"sentiment":"neutral","sentiment_score":-0.02909417450428009},{"text":"Yes.","start":3927.315,"end":3927.635,"sentiment":"neutral","sentiment_score":0.007923450320959091},{"text":"Hit the next button.","start":3927.635,"end":3928.595,"sentiment":"neutral","sentiment_score":-0.015676700277253985},{"text":"Sorry.","start":3928.595,"end":3929.075,"sentiment":"neutral","sentiment_score":-0.11732255667448044}],"sentiment":"neutral","sentiment_score":-0.02435031419412957,"num_words":9,"start":3926.435,"end":3929.075},{"sentences":[{"text":"That's my mistake there.","start":3929.075,"end":3930.455,"sentiment":"neutral","sentiment_score":-0.23453426361083984},{"text":"You shouldn't have to.","start":3935.875,"end":3937.075,"sentiment":"neutral","sentiment_score":-0.09890682250261307},{"text":"If you just try hitting next again.","start":3937.075,"end":3947.4902,"sentiment":"neutral","sentiment_score":-0.047673354989715984},{"text":"Yeah.","start":3947.4902,"end":3947.7302,"sentiment":"neutral","sentiment_score":-0.09318073093891144},{"text":"It shouldn't do that.","start":3947.7302,"end":3949.03,"sentiment":"neutral","sentiment_score":-0.2558930441737175}],"sentiment":"neutral","sentiment_score":-0.13921153685078025,"num_words":20,"start":3929.075,"end":3949.03},{"sentences":[{"text":"I wonder if it's how it's been set.","start":3949.4902,"end":3951.405,"sentiment":"neutral","sentiment_score":-0.22873133420944214},{"text":"Did you want me to just talk through the appendix?","start":3954.045,"end":3957.245,"sentiment":"neutral","sentiment_score":-0.08566724061965943},{"text":"It's basically just factual information.","start":3957.245,"end":3960.065,"sentiment":"neutral","sentiment_score":-0.10036050975322723},{"text":"Nothing specific like the document we've actually talked through.","start":3961.805,"end":3965.105,"sentiment":"neutral","sentiment_score":-0.2483062661356396},{"text":"I'm just trying to think the best way to navigate that, and and it won't let you at all.","start":3967.0798,"end":3972.38,"sentiment":"neutral","sentiment_score":-0.31586861767266927}],"sentiment":"neutral","sentiment_score":-0.22401148548313216,"num_words":51,"start":3949.4902,"end":3972.38},{"sentences":[{"text":"Okay.","start":3972.92,"end":3973.24,"sentiment":"neutral","sentiment_score":-0.01699039712548256},{"text":"Let me jump in in the background.","start":3973.24,"end":3975.18,"sentiment":"neutral","sentiment_score":0.006251880100795201},{"text":"Let's see.","start":3980.5999,"end":3981.635,"sentiment":"neutral","sentiment_score":0.007143612485378981},{"text":"No.","start":3996.2002,"end":3996.36,"sentiment":"neutral","sentiment_score":-0.327511727809906},{"text":"It won't let me change it.","start":3996.36,"end":3997.9001,"sentiment":"negative","sentiment_score":-0.37030914922555286}],"sentiment":"neutral","sentiment_score":-0.14754744909484596,"num_words":17,"start":3972.92,"end":3997.9001},{"sentences":[{"text":"I might just explain it.","start":3999.4802,"end":4001.08,"sentiment":"neutral","sentiment_score":-0.10301916301250458},{"text":"Is that okay?","start":4001.08,"end":4001.9802,"sentiment":"neutral","sentiment_score":-0.02673729509115219},{"text":"And what...","start":4002.6,"end":4005.1,"sentiment":"neutral","sentiment_score":-0.17288073152303696},{"text":"I mean, if...","start":4005.7202,"end":4006.6802,"sentiment":"neutral","sentiment_score":-0.21227867404619852},{"text":"I don't want you to sign the statement of advice because you haven't had the chance to read it in full and understand it and come back with any questions that you could possibly have.","start":4006.6802,"end":4015.9949,"sentiment":"neutral","sentiment_score":-0.24194447015013013}],"sentiment":"neutral","sentiment_score":-0.2092908675161501,"num_words":48,"start":3999.4802,"end":4015.9949},{"sentences":[{"text":"So I'll just talk through the appendix.","start":4017.095,"end":4018.875,"sentiment":"neutral","sentiment_score":0.0726159933422293},{"text":"It's a generalized table that talks through the risk profile, so it will show you the difference between a balanced, balanced growth, growth, high growth, and aggressive investor.","start":4021.015,"end":4029.73,"sentiment":"neutral","sentiment_score":0.12643261613058193},{"text":"And they've all got different allocations that we typically invest in to the growth and defensive portfolio, but then it breaks it down further to the Australian shares, international share markets, and so on.","start":4030.03,"end":4041.755,"sentiment":"neutral","sentiment_score":0.080659106702489},{"text":"The important information and relationship part of this document is the same for everybody.","start":4043.255,"end":4048.795,"sentiment":"neutral","sentiment_score":0.15933612787297793},{"text":"It is general notifications that the contents of the SOA is based on the information that you have provided to me, and I've taken all reasonable steps to ensure that it's correct.","start":4049.015,"end":4061.33,"sentiment":"neutral","sentiment_score":0.11437943880446255}],"sentiment":"neutral","sentiment_score":0.1102755014339219,"num_words":115,"start":4017.095,"end":4061.33},{"sentences":[{"text":"The advice is solely prepared for you as it is specific to your personal situation.","start":4064.51,"end":4071.825,"sentiment":"neutral","sentiment_score":-0.05375086839000384},{"text":"So showing it with a friend, for example, wouldn't be beneficial to them because it's not based on their personal situation.","start":4071.9648,"end":4079.7449,"sentiment":"neutral","sentiment_score":-0.16711361422425225},{"text":"The currency of the SOEs, SOA means that the advice and the document is valid for sixty days.","start":4081.1648,"end":4087.65,"sentiment":"neutral","sentiment_score":0.09935618564486504},{"text":"After sixty days, we just need to restart the process again.","start":4088.8298,"end":4092.3499,"sentiment":"neutral","sentiment_score":0.026779127730564636},{"text":"And the reason for that is that client situations can change within a sixty day period.","start":4092.3499,"end":4100.085,"sentiment":"neutral","sentiment_score":0.009839516133069992}],"sentiment":"neutral","sentiment_score":-0.025620184194894483,"num_words":81,"start":4064.51,"end":4100.085},{"sentences":[{"text":"So we do make sure that we revisit to make sure all the information is updated and corrected, and we do start the process again.","start":4100.085,"end":4109.145,"sentiment":"neutral","sentiment_score":0.12193044483661651},{"text":"The no product guarantee, so we can't guarantee investment markets will do what we want them to do.","start":4109.89,"end":4115.91,"sentiment":"neutral","sentiment_score":-0.24425930033127466},{"text":"I wish.","start":4116.61,"end":4117.27,"sentiment":"neutral","sentiment_score":-0.14437567442655563},{"text":"So it's it's just saying that historical performance, again, is not a a forecast of future performance.","start":4118.37,"end":4128.365,"sentiment":"neutral","sentiment_score":-0.1761546888772179},{"text":"Projections, we've done those based on conservative figures.","start":4130.4253,"end":4135.9653,"sentiment":"neutral","sentiment_score":-0.11809601355344057}],"sentiment":"neutral","sentiment_score":-0.07966507790344102,"num_words":70,"start":4100.085,"end":4135.9653},{"sentences":[{"text":"They're not forecast.","start":4136.105,"end":4137.085,"sentiment":"neutral","sentiment_score":-0.16782680650552115},{"text":"They're just they are forecast, and they...","start":4137.4653,"end":4140.36,"sentiment":"neutral","sentiment_score":-0.07783717981406621},{"text":"They're not forecast, and they shouldn't be relied on forecast...","start":4140.42,"end":4143.16,"sentiment":"neutral","sentiment_score":-0.21845063716173171},{"text":"As forecast.","start":4143.3,"end":4144.12,"sentiment":"neutral","sentiment_score":-0.04536138288676739},{"text":"They're simply projections based on conservative figures to help clients understand what they're working towards.","start":4144.5,"end":4151.88,"sentiment":"neutral","sentiment_score":0.11296877829978863}],"sentiment":"neutral","sentiment_score":-0.044028057867812144,"num_words":37,"start":4136.105,"end":4151.88},{"sentences":[{"text":"In there is some links in the appendix to the investment options.","start":4154.285,"end":4158.125,"sentiment":"neutral","sentiment_score":0.041279161193718515},{"text":"So you know how I talked you through.","start":4158.125,"end":4159.725,"sentiment":"neutral","sentiment_score":0.07021617935970426},{"text":"We're changing some of the underlying investment options in your hub twenty four account.","start":4159.725,"end":4163.665,"sentiment":"neutral","sentiment_score":0.022895192860492637},{"text":"The links to those in actual investment funds are in that document.","start":4164.605,"end":4169.52,"sentiment":"neutral","sentiment_score":0.025210192737480003},{"text":"And then...","start":4171.02,"end":4171.84,"sentiment":"neutral","sentiment_score":-0.010550017934292555}],"sentiment":"neutral","sentiment_score":0.034563215546465166,"num_words":48,"start":4154.285,"end":4171.84},{"sentences":[{"text":"Sorry.","start":4178.06,"end":4178.38,"sentiment":"neutral","sentiment_score":-0.08624479919672012},{"text":"We yep.","start":4178.38,"end":4187.575,"sentiment":"neutral","sentiment_score":-0.09875492006540298},{"text":"Yep.","start":4191.155,"end":4191.635,"sentiment":"neutral","sentiment_score":0.008590137585997581},{"text":"So, yeah, I can send you this post down meeting.","start":4191.635,"end":4199.0996,"sentiment":"neutral","sentiment_score":0.07776865065097809},{"text":"I'll just add it to an email as a PDF for you.","start":4199.0996,"end":4201.92,"sentiment":"neutral","sentiment_score":0.12674316701789698}],"sentiment":"neutral","sentiment_score":0.077824615730116,"num_words":26,"start":4178.06,"end":4201.92},{"sentences":[{"text":"Yep.","start":4203.26,"end":4203.76,"sentiment":"positive","sentiment_score":0.3659672439098358},{"text":"That's okay.","start":4203.9,"end":4204.6396,"sentiment":"positive","sentiment_score":0.462229385972023},{"text":"It also just explains your investment return.","start":4205.6597,"end":4209.625,"sentiment":"positive","sentiment_score":0.4133729466370174},{"text":"So in the document where I talked through what you can expect your super balance to be, this one's pretty important, and I'll reference it in the email to you.","start":4209.625,"end":4221.4854,"sentiment":"neutral","sentiment_score":0.3331587617595991},{"text":"It just shows you those projected returns and fees with no salary sacrifice option.","start":4222.85,"end":4228.53,"sentiment":"neutral","sentiment_score":0.2431517927242177}],"sentiment":"neutral","sentiment_score":0.32560971468963007,"num_words":54,"start":4203.26,"end":4228.53},{"sentences":[{"text":"So that's the...","start":4228.53,"end":4229.41,"sentiment":"neutral","sentiment_score":-0.012507785732547442},{"text":"Those are the returns and the fees that you can expect to see because we're not gonna proceed with the salary sacrifice at the moment.","start":4229.41,"end":4235.27,"sentiment":"neutral","sentiment_score":-0.12367035955190658},{"text":"So I'll I'll outline that in the email.","start":4236.065,"end":4238.085,"sentiment":"neutral","sentiment_score":0.22951754555106163},{"text":"And then it...","start":4239.4253,"end":4240.705,"sentiment":"neutral","sentiment_score":0.09684609125057857},{"text":"I did consider other insurance 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PDF.","start":4265.895,"end":4272.715,"sentiment":"neutral","sentiment_score":0.159743270277977},{"text":"So that's all those documents.","start":4272.935,"end":4275.435,"sentiment":"neutral","sentiment_score":0.2388194441795349}],"sentiment":"neutral","sentiment_score":0.16706721750088036,"num_words":80,"start":4242.545,"end":4275.435},{"sentences":[{"text":"I'm gonna put that appendix and the PDF on an email for you so you have that to review.","start":4275.655,"end":4283.25,"sentiment":"neutral","sentiment_score":0.3055233492663032},{"text":"And what I would ask is read through that document.","start":4284.11,"end":4288.8496,"sentiment":"neutral","sentiment_score":0.1731071226298809},{"text":"If you have any questions before you sign, please reach out whether it be email or a phone call.","start":4289.63,"end":4297.9453,"sentiment":"neutral","sentiment_score":0.09694208910590724},{"text":"I'll make the time to run through any questions that you have before you are happy to proceed.","start":4297.9453,"end":4305.4053,"sentiment":"neutral","sentiment_score":0.21552666193909115},{"text":"Yeah.","start":4314.05,"end":4314.29,"sentiment":"neutral","sentiment_score":0.14060722291469574}],"sentiment":"neutral","sentiment_score":0.1999701745252111,"num_words":67,"start":4275.655,"end":4314.29},{"sentences":[{"text":"That's absolutely fine.","start":4314.29,"end":4315.57,"sentiment":"neutral","sentiment_score":0.28717421491940814},{"text":"I just...","start":4315.57,"end":4317.19,"sentiment":"neutral","sentiment_score":0.10185256600379944},{"text":"I'd I'd like to make sure that any information...","start":4317.65,"end":4320.725,"sentiment":"neutral","sentiment_score":-0.007100708472232024},{"text":"Any...","start":4321.025,"end":4321.525,"sentiment":"neutral","sentiment_score":-0.023938264697790142},{"text":"Like, that you're...","start":4321.665,"end":4322.4653,"sentiment":"neutral","sentiment_score":-0.03227697561184565}],"sentiment":"neutral","sentiment_score":0.048919567165689334,"num_words":18,"start":4314.29,"end":4322.4653},{"sentences":[{"text":"You have informed consent so you understand exactly what it is that we're doing and the purpose and everything.","start":4322.4653,"end":4328.065,"sentiment":"neutral","sentiment_score":0.06165045539015218},{"text":"So I'm gonna pop those on an email to you now, and you should have those momentarily.","start":4328.065,"end":4332.725,"sentiment":"neutral","sentiment_score":0.24804791720474467},{"text":"Yeah.","start":4342.12,"end":4342.44,"sentiment":"neutral","sentiment_score":0.1191246062517166},{"text":"Yeah.","start":4342.44,"end":4342.76,"sentiment":"neutral","sentiment_score":0.1037350296974182},{"text":"So then following that, what will happen is members of our team will reach out to you of our implementation team to fill out 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you're gonna get from me now.","start":4400.89,"end":4406.75,"sentiment":"neutral","sentiment_score":0.0892936648800969}],"sentiment":"neutral","sentiment_score":0.06611725030974909,"num_words":55,"start":4388.375,"end":4406.75},{"sentences":[{"text":"I'll send it within the next hour.","start":4407.465,"end":4410.045,"sentiment":"neutral","sentiment_score":0.08087585334266935},{"text":"I...","start":4410.425,"end":4410.925,"sentiment":"neutral","sentiment_score":0.004093279596418142},{"text":"It'll be a link from the f...","start":4411.8647,"end":4413.645,"sentiment":"neutral","sentiment_score":0.0038455811861370292},{"text":"It'll say f triple a safe ID.","start":4413.705,"end":4416.2847,"sentiment":"neutral","sentiment_score":0.026754769895757948},{"text":"What that does is we're required by law to make sure that people are estranged citizens, residency for tax purposes, whether they're politically exposed people, all those types of things.","start":4417.7847,"end":4436.2803,"sentiment":"neutral","sentiment_score":-0.008686766276756923}],"sentiment":"neutral","sentiment_score":0.010073533120493475,"num_words":52,"start":4407.465,"end":4436.2803},{"sentences":[{"text":"And this service being the f triple a, which is the Financial Advice Association of Australia, offers this service to us.","start":4436.755,"end":4443.415,"sentiment":"neutral","sentiment_score":0.1751587220600673},{"text":"We pay for it, and it's just you completing your details.","start":4444.355,"end":4447.495,"sentiment":"neutral","sentiment_score":0.23080012473193082},{"text":"It runs a check-in the background against all the government databases and gives us an answer so that we can make sure that we've fulfilled our obligations in relation to our legislative requirements as an advice...","start":4448.355,"end":4460.67,"sentiment":"neutral","sentiment_score":0.09504816536274222},{"text":"As an...","start":4460.67,"end":4461.33,"sentiment":"neutral","sentiment_score":-0.010868539102375507},{"text":"A financial advice firm.","start":4461.4697,"end":4463.41,"sentiment":"neutral","sentiment_score":-0.020432899240404367}],"sentiment":"neutral","sentiment_score":0.12885675423250004,"num_words":74,"start":4436.755,"end":4463.41},{"sentences":[{"text":"So if I can...","start":4464.215,"end":4465.255,"sentiment":"neutral","sentiment_score":0.010074822697788477},{"text":"I'll send that to you just so you...","start":4465.255,"end":4466.535,"sentiment":"neutral","sentiment_score":0.032157952431589365},{"text":"When you receive it, you know that it's not spam, and I'll mention it in the email as well just so you know it's not.","start":4466.535,"end":4471.755,"sentiment":"neutral","sentiment_score":-0.05456062808632851},{"text":"Beautiful.","start":4473.735,"end":4474.235,"sentiment":"positive","sentiment_score":0.7013307213783264},{"text":"Alright, Carmen.","start":4474.695,"end":4475.495,"sentiment":"positive","sentiment_score":0.5025327950716019}],"sentiment":"neutral","sentiment_score":0.01599858799017966,"num_words":40,"start":4464.215,"end":4475.495},{"sentences":[{"text":"Well, again, any questions that you have once you have gone through it, please reach out.","start":4475.495,"end":4479.14,"sentiment":"neutral","sentiment_score":0.1794214015826583},{"text":"Okay?","start":4479.14,"end":4479.64,"sentiment":"neutral","sentiment_score":0.10245878994464874},{"text":"Thanks, Carmen.","start":4482.66,"end":4483.46,"sentiment":"positive","sentiment_score":0.7593019604682922},{"text":"Enjoy your afternoon.","start":4483.46,"end":4484.44,"sentiment":"positive","sentiment_score":0.8031754692395529},{"text":"Bye.","start":4486.1,"end":4486.6,"sentiment":"neutral","sentiment_score":0.2964106500148773}],"sentiment":"neutral","sentiment_score":0.3129453127798827,"num_words":23,"start":4475.495,"end":4486.6},{"sentences":[{"text":"Bye.","start":4487.54,"end":4488.04,"sentiment":"neutral","sentiment_score":-0.06880570948123932}],"sentiment":"neutral","sentiment_score":-0.06880570948123932,"num_words":1,"start":4487.54,"end":4488.04}]}}]},{"alternatives":[{"transcript":"Hello? Yes. It is. I'm good. Thank you. How are you? That's fine. Fine. Copy. Scruffy. No worries. I do. I do. Yep. Yep. Yep. Going into it now. Yep. I've got an iPhone. Yep. Yep. Yeah. Yes. Yep. That's... Yeah. Yep. That's right. We got a little little while off, so... Which is a good thing. Yep. No. No. That's fine. Yeah. Yes. That's... Yes. We spoke about that last one. Okay. For retirement. This is for retirement? Yeah. They're gonna be so. Mhmm. That's that charge is annually, is it? Yep. Yep. Yeah. No. That's fine. Yep. No. But, I mean, that'll be determined upon the market, won't it? Okay. Awesome. Thank you. Mhmm. Yep. Okay. I need to make more, though, won't I? I still need to make more, though, won't I? Yes. Yeah. That's fine. Yep. Mhmm. Yep. Yeah. Yeah. This is a big amount too. You know? They're big amounts, like, 35,000, 20 thousand. Mhmm. Yeah. Mhmm. Yes. Okay. So... Yeah. No. It is. But I I think to be realistic at my age, I need to be looking forward and niches... I guess they come and go and and gold fluctuates, silver fluctuates, but but they can't see. But they will never go out completely. Which is... So that's that's probably something that will... Yeah. That'll be there. But may... So these these iShares Europe, Japan, and Vanguard will go into the defensive or the call part. Yep. Okay. No. No. That's cool. I mean, we're we're having a diverse footprint, so that's good. You know? Yeah. Yep. Yes. But they're two separate. Yeah? Okay. Yep. So one's making money and one's just stagnant room. Okay. Nice way to put it. Yeah. Yeah. Yeah. Yeah. Perfect. Mhmm. Yes. That that was 2,000 a week, wasn't it? Not a fortnight. That was 2,000 a week, wasn't it? Not a fortnight. Can we do that in 2,000 a week or in a 2,000? We... Even 1,500 a week, you know? Because I want... Obviously, what the market's like at that at at that time. And I know that we're forecasting or projecting, but I wanna make sure that, you know, I have enough. And I'm... Yeah. Mhmm. Mhmm. We've come back from a long weekend. Yes. Sorry. Good. Keep going. Yes. And it's more stable. And it's more stable. Yes. Yes. I think you think about... Like, sorry. The salary sacrifice. It's kind of a a stable concrete, whereas Bitcoin fluctuates up and down quite regularly. So yep. Yep. Okay. Okay. Okay. Yep. No. No. No. It is. It is. But if I was thinking about salary sacrificing, is that... You know, that might be something from next year onwards? Okay. Okay. Yep. Okay. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No that can bring about a bigger return. But later in... And give them my age. Okay. Yeah. Keep going. Sorry. I need the long fucking. Yeah. Yep. I've just recently had a blood test done a while ago. My understanding is that you can only get one every six months. If there's issues, twelve months usually. Is that gonna be an Okay. Yes. Hello. I I... Because of my age, my weight, and I guess because of my age and my weight and stuff. I don't have high cholesterol. This is blood pressure. It's okay. It's late. Yeah. Oh, okay. Okay. Okay. My total of the former is pretty much okay apart from blood pressure according to my blood test. That is good news from... Yeah. So, yeah, we might revisit that next year. Well, if they're saying that it's a deficit of... What was it? 2,000? Okay. Which is probably what I'm living on now. Will that come out of my up 24? Yep. Yep. Yep. And that's okay. I mean, let's let's do that. Let's, you know, change the shortfall because stuff happens. Life happens. I'm not drinking anymore. You know, I think I'm still young. Yep. I'm looking... I am looking to name my son, obviously. And he's 20 now, so he's an adult. Yeah. So Yeah. Well, everything's taxed anyway. It's just a matter of... Really? So the state is is taxed at 78%, whereas the wheel is at fifty eight percent. Yeah. Okay. So I've got this down. So... But I haven't... Alright. I need to go and get a wheel. I haven't done that yet. I have to get that done. Let's see. Should I have a trust trust account and j the beneficiary? Would that be better? Mhmm. What am I called? Alright. I might do that. I might go in the arm with mister Luis Rivera and go, okay. Let's talk. Yes. Yep. Yep. Yep. Correct. Yes. Phone surname. You need his letter number? John, j o h n. 09/22/2002 thousand and I will look into one. I don't have one off the top of my head. I'll I'll have to investigate it and have a look. Okay. Perfect. That'll be great. You probably have sent it to me, but it's way back up. And so if you send it now, I'll print it out and then Yeah. That will be somebody different? Yeah. I'm on a floor with you too. Yeah. Thanks. Mhmm. So it was an... Oh, I I... Sorry. Because I'm delivering training too, and I'm talking about trauma informed. So when you said trauma, I immediately went to trauma. It was a trauma cover, wasn't it? Valerie. Acrify. Is she... I... To revisit. G. It doesn't have to be Warren Place, does it? It just has to say... Yeah. Let's not do everything all at once. Let's just... Maybe because just to see how it pans out next... Like, over the next twelve months because I'm not serious with you. I don't have any diseases. I don't have any, you know, nothing majorly wrong. I mean, if blood pressure's managed, then I can come off that. You know, I'm now back at training, so I'm now doing things to... It'd be different if I was just Sydney doing nothing. You know, I'd be like, okay. But I'm not... I'm back into training and back into... So I'm working on strategies to reduce that. Well, you know, I plan to be around for a long time, and I don't wanna be in a war through another statistics. So... Now... Plan now for the future. It's simple things like when I'm 80, I wanna be able to hold my own groceries and walk up a flight of steps without having to stop, catch my breath, or, you know, I wanna be sprightly and agile at that age. I don't have to be like I was in 20, in my twenties or even my forties, but enough to be able to be independent and strong. Oh, thank you. I can't see that. Page 53. Do I have to hit the next button? Oh, no. It's asking me to sign now before I can go there. Yep. Now it's taking me back to the signature. Yeah. Yeah. Will I be getting a new... One with those, like, those attachments to it? Will you be sending... Did you know how I can't I can't get into what you're... You know, after the... What you're talking about now. I can't get into that because then it won't allow me to go any further. But will you be document with all that stuff in it? Okay. Thank you. Yes. Okay. Alright. So should I wait? Or... I'll wait till I get those documents before I sign in. Yes. Perfect. Okay. And then I'll go back into this document and then once I've read them and find it. And then I'll come through to you automatically. Yeah? Yes. Sorry. Just write this down. Okay. Okay. Thank you. You too. See you later. 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Yes. It is. I'm good. Thank you.\n\nHow are you? That's fine. Fine. Copy. Scruffy.\n\nNo worries. I do. I do. Yep. Yep.\n\nYep. Going into it now. Yep. I've got an iPhone. Yep.\n\nYep. Yeah. Yes. Yep. That's...\n\nYeah. Yep. That's right. We got a little little while off, so... Which is a good thing.\n\nYep. No. No. That's fine. Yeah.\n\nYes. That's... Yes. We spoke about that last one. Okay.\n\nFor retirement. This is for retirement? Yeah. They're gonna be so. Mhmm.\n\nThat's that charge is annually, is it? Yep. Yep. Yeah. No.\n\nThat's fine. Yep. No. But, I mean, that'll be determined upon the market, won't it? Okay.\n\nAwesome. Thank you. Mhmm. Yep. Okay.\n\nI need to make more, though, won't I? I still need to make more, though, won't I? Yes. Yeah. That's fine.\n\nYep. Mhmm. Yep. Yeah. Yeah.\n\nThis is a big amount too. You know? They're big amounts, like, 35,000, 20 thousand. Mhmm. Yeah.\n\nMhmm. Yes. Okay. So... Yeah.\n\nNo. It is. But I I think to be realistic at my age, I need to be looking forward and niches... I guess they come and go and and gold fluctuates, silver fluctuates, but but they can't see. But they will never go out completely.\n\nWhich is... So that's that's probably something that will... Yeah. That'll be there. But may...\n\nSo these these iShares Europe, Japan, and Vanguard will go into the defensive or the call part. Yep. Okay. No. No.\n\nThat's cool. I mean, we're we're having a diverse footprint, so that's good. You know? Yeah. Yep.\n\nYes. But they're two separate. Yeah? Okay. Yep.\n\nSo one's making money and one's just stagnant room. Okay. Nice way to put it. Yeah. Yeah.\n\nYeah. Yeah. Perfect. Mhmm. Yes.\n\nThat that was 2,000 a week, wasn't it? Not a fortnight. That was 2,000 a week, wasn't it? Not a fortnight. Can we do that in 2,000 a week or in a 2,000?\n\nWe... Even 1,500 a week, you know? Because I want... Obviously, what the market's like at that at at that time. And I know that we're forecasting or projecting, but I wanna make sure that, you know, I have enough.\n\nAnd I'm... Yeah. Mhmm. Mhmm. We've come back from a long weekend.\n\nYes. Sorry. Good. Keep going. Yes.\n\nAnd it's more stable. And it's more stable. Yes. Yes. I think you think about...\n\nLike, sorry. The salary sacrifice. It's kind of a a stable concrete, whereas Bitcoin fluctuates up and down quite regularly. So yep. Yep.\n\nOkay. Okay. Okay. Yep. No.\n\nNo. No. It is. It is. But if I was thinking about salary sacrificing, is that...\n\nYou know, that might be something from next year onwards? Okay. Okay. Yep. Okay.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No that can bring about a bigger return. But later in...\n\nAnd give them my age. Okay. Yeah. Keep going. Sorry.\n\nI need the long fucking. Yeah. Yep. I've just recently had a blood test done a while ago. My understanding is that you can only get one every six months.\n\nIf there's issues, twelve months usually. Is that gonna be an Okay. Yes. Hello. I I...\n\nBecause of my age, my weight, and I guess because of my age and my weight and stuff. I don't have high cholesterol. This is blood pressure. It's okay. It's late.\n\nYeah. Oh, okay. Okay. Okay. My total of the former is pretty much okay apart from blood pressure according to my blood test.\n\nThat is good news from... Yeah. So, yeah, we might revisit that next year. Well, if they're saying that it's a deficit of... What was it?\n\n2,000? Okay. Which is probably what I'm living on now. Will that come out of my up 24? Yep.\n\nYep. Yep. And that's okay. I mean, let's let's do that. Let's, you know, change the shortfall because stuff happens.\n\nLife happens. I'm not drinking anymore. You know, I think I'm still young. Yep. I'm looking...\n\nI am looking to name my son, obviously. And he's 20 now, so he's an adult. Yeah. So Yeah. Well, everything's taxed anyway.\n\nIt's just a matter of... Really? So the state is is taxed at 78%, whereas the wheel is at fifty eight percent. Yeah. Okay.\n\nSo I've got this down. So... But I haven't... Alright. I need to go and get a wheel.\n\nI haven't done that yet. I have to get that done. Let's see. Should I have a trust trust account and j the beneficiary? Would that be better?\n\nMhmm. What am I called? Alright. I might do that. I might go in the arm with mister Luis Rivera and go, okay.\n\nLet's talk. Yes. Yep. Yep. Yep.\n\nCorrect. Yes. Phone surname. You need his letter number? John, j o h n.\n\n09/22/2002 thousand and I will look into one. I don't have one off the top of my head. I'll I'll have to investigate it and have a look. Okay. Perfect.\n\nThat'll be great. You probably have sent it to me, but it's way back up. And so if you send it now, I'll print it out and then Yeah. That will be somebody different? Yeah.\n\nI'm on a floor with you too. Yeah. Thanks. Mhmm. So it was an...\n\nOh, I I... Sorry. Because I'm delivering training too, and I'm talking about trauma informed. So when you said trauma, I immediately went to trauma. It was a trauma cover, wasn't it?\n\nValerie. Acrify. Is she... I... To revisit.\n\nG. It doesn't have to be Warren Place, does it? It just has to say... Yeah. Let's not do everything all at once.\n\nLet's just... Maybe because just to see how it pans out next... Like, over the next twelve months because I'm not serious with you. I don't have any diseases. I don't have any, you know, nothing majorly wrong.\n\nI mean, if blood pressure's managed, then I can come off that. You know, I'm now back at training, so I'm now doing things to... It'd be different if I was just Sydney doing nothing. You know, I'd be like, okay. But I'm not...\n\nI'm back into training and back into... So I'm working on strategies to reduce that. Well, you know, I plan to be around for a long time, and I don't wanna be in a war through another statistics. So... Now...\n\nPlan now for the future. It's simple things like when I'm 80, I wanna be able to hold my own groceries and walk up a flight of steps without having to stop, catch my breath, or, you know, I wanna be sprightly and agile at that age. I don't have to be like I was in 20, in my twenties or even my forties, but enough to be able to be independent and strong. Oh, thank you. I can't see that.\n\nPage 53. Do I have to hit the next button? Oh, no. It's asking me to sign now before I can go there. Yep.\n\nNow it's taking me back to the signature. Yeah. Yeah. Will I be getting a new... One with those, like, those attachments to it?\n\nWill you be sending... Did you know how I can't I can't get into what you're... You know, after the... What you're talking about now. I can't get into that because then it won't allow me to go any further.\n\nBut will you be document with all that stuff in it? Okay. Thank you. Yes. Okay.\n\nAlright. So should I wait? Or... I'll wait till I get those documents before I sign in. Yes.\n\nPerfect. Okay. And then I'll go back into this document and then once I've read them and find it. And then I'll come through to you automatically. Yeah?\n\nYes. Sorry. Just write this down. Okay. Okay.\n\nThank you. You too. See you later. 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better?","start":3378.41,"end":3379.39,"sentiment":"neutral","sentiment_score":-0.0019201776012778273}],"sentiment":"neutral","sentiment_score":-0.03957203882081168,"num_words":28,"start":3365.0251,"end":3379.39},{"sentences":[{"text":"Mhmm.","start":3384.595,"end":3385.095,"sentiment":"neutral","sentiment_score":0.10638298094272614},{"text":"What am I called?","start":3390.675,"end":3391.655,"sentiment":"neutral","sentiment_score":0.01649731770157814},{"text":"Alright.","start":3440.2651,"end":3440.5852,"sentiment":"neutral","sentiment_score":0.11248784512281418},{"text":"I might do that.","start":3440.5852,"end":3441.3052,"sentiment":"neutral","sentiment_score":0.14157615043222904},{"text":"I might go in the arm with mister Luis Rivera and go, okay.","start":3441.3052,"end":3444.2852,"sentiment":"neutral","sentiment_score":0.10358938689415272}],"sentiment":"neutral","sentiment_score":0.09555768383585889,"num_words":23,"start":3384.595,"end":3444.2852},{"sentences":[{"text":"Let's 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surname.","start":3469.0552,"end":3469.7952,"sentiment":"neutral","sentiment_score":0.029308747500181198},{"text":"You need his letter number?","start":3471.215,"end":3472.5151,"sentiment":"neutral","sentiment_score":0.07940024137496948},{"text":"John, j o h n.","start":3475.0552,"end":3476.91,"sentiment":"neutral","sentiment_score":0.03496810123324394}],"sentiment":"neutral","sentiment_score":0.051310205566031594,"num_words":14,"start":3465.375,"end":3476.91},{"sentences":[{"text":"09/22/2002 thousand and I will look into one.","start":3480.3499,"end":3504.25,"sentiment":"neutral","sentiment_score":0.011687998427078128},{"text":"I don't have one off the top of my head.","start":3504.25,"end":3505.77,"sentiment":"neutral","sentiment_score":-0.12609533444046975},{"text":"I'll I'll have to investigate it and have a look.","start":3505.77,"end":3508.19,"sentiment":"neutral","sentiment_score":-0.05707080997526646},{"text":"Okay.","start":3526.985,"end":3527.385,"sentiment":"positive","sentiment_score":0.39611002802848816},{"text":"Perfect.","start":3527.385,"end":3527.85,"sentiment":"positive","sentiment_score":0.6871669888496399}],"sentiment":"neutral","sentiment_score":-0.021829347995420297,"num_words":30,"start":3480.3499,"end":3527.85},{"sentences":[{"text":"That'll be great.","start":3528.01,"end":3528.33,"sentiment":"positive","sentiment_score":0.7335194746653239},{"text":"You probably have sent it to me, but it's way back up.","start":3528.33,"end":3530.4102,"sentiment":"neutral","sentiment_score":0.2801345884799957},{"text":"And so if you send it now, I'll print it out and then Yeah.","start":3530.4102,"end":3552.285,"sentiment":"neutral","sentiment_score":0.1334754854573735},{"text":"That will be somebody different?","start":3555.32,"end":3556.9402,"sentiment":"neutral","sentiment_score":-0.07884985655546188},{"text":"Yeah.","start":3557.72,"end":3557.96,"sentiment":"neutral","sentiment_score":-0.010858414694666862}],"sentiment":"neutral","sentiment_score":0.2007349309910621,"num_words":35,"start":3528.01,"end":3557.96},{"sentences":[{"text":"I'm on a floor with you too.","start":3557.96,"end":3559.4202,"sentiment":"neutral","sentiment_score":-0.0021919806354812215},{"text":"Yeah.","start":3574.855,"end":3575.355,"sentiment":"neutral","sentiment_score":0.054310113191604614},{"text":"Thanks.","start":3598.145,"end":3598.645,"sentiment":"neutral","sentiment_score":0.2826520800590515},{"text":"Mhmm.","start":3666.6602,"end":3667.1602,"sentiment":"neutral","sentiment_score":0.07982015609741211},{"text":"So it was an...","start":3720.115,"end":3721.035,"sentiment":"neutral","sentiment_score":0.0037764853332191706}],"sentiment":"neutral","sentiment_score":0.029753173302326883,"num_words":14,"start":3557.96,"end":3721.035},{"sentences":[{"text":"Oh, I I...","start":3721.035,"end":3721.635,"sentiment":"neutral","sentiment_score":-0.055801173051198326},{"text":"Sorry.","start":3721.635,"end":3722.035,"sentiment":"neutral","sentiment_score":-0.16216586530208588},{"text":"Because I'm delivering training too, and I'm talking about trauma informed.","start":3722.035,"end":3724.9949,"sentiment":"neutral","sentiment_score":-0.09951703622937202},{"text":"So when you said trauma, I immediately went to trauma.","start":3724.9949,"end":3727.4749,"sentiment":"neutral","sentiment_score":-0.09988815188407899},{"text":"It was a trauma cover, wasn't it?","start":3727.4749,"end":3729.4148,"sentiment":"neutral","sentiment_score":-0.09858770774943489}],"sentiment":"neutral","sentiment_score":-0.09728913300205022,"num_words":32,"start":3721.035,"end":3729.4148},{"sentences":[{"text":"Valerie.","start":3731.9548,"end":3732.4548,"sentiment":"neutral","sentiment_score":0.06919825077056885},{"text":"Acrify.","start":3734.81,"end":3735.31,"sentiment":"neutral","sentiment_score":0.0764373242855072},{"text":"Is she...","start":3736.09,"end":3738.03,"sentiment":"neutral","sentiment_score":0.010332607198506594},{"text":"I...","start":3738.97,"end":3739.47,"sentiment":"neutral","sentiment_score":-0.004533424973487854},{"text":"To revisit.","start":3742.33,"end":3742.99,"sentiment":"neutral","sentiment_score":-0.009244972839951515}],"sentiment":"neutral","sentiment_score":0.020468202685671195,"num_words":7,"start":3731.9548,"end":3742.99},{"sentences":[{"text":"G.","start":3746.7651,"end":3747.0852,"sentiment":"neutral","sentiment_score":-0.002175253815948963},{"text":"It doesn't have to be Warren Place, does it?","start":3747.0852,"end":3748.925,"sentiment":"neutral","sentiment_score":-0.02767795965903335},{"text":"It just has to say...","start":3748.925,"end":3750.145,"sentiment":"neutral","sentiment_score":-0.046911919862031935},{"text":"Yeah.","start":3763.04,"end":3763.28,"sentiment":"neutral","sentiment_score":-0.043076012283563614},{"text":"Let's not do everything all at once.","start":3763.28,"end":3765.2002,"sentiment":"neutral","sentiment_score":-0.1689548439213208}],"sentiment":"neutral","sentiment_score":-0.07441723520827034,"num_words":23,"start":3746.7651,"end":3765.2002},{"sentences":[{"text":"Let's just...","start":3765.2002,"end":3765.9402,"sentiment":"neutral","sentiment_score":-0.062291087582707405},{"text":"Maybe because just to see how it pans out next...","start":3766.48,"end":3768.72,"sentiment":"neutral","sentiment_score":-0.027361859753727912},{"text":"Like, over the next twelve months because I'm not serious with you.","start":3768.72,"end":3772.1,"sentiment":"neutral","sentiment_score":-0.08661789695421855},{"text":"I don't have any diseases.","start":3772.385,"end":3773.585,"sentiment":"neutral","sentiment_score":-0.13827624917030334},{"text":"I don't have any, you know, nothing majorly wrong.","start":3773.585,"end":3776.2449,"sentiment":"neutral","sentiment_score":-0.1641234200861719}],"sentiment":"neutral","sentiment_score":-0.09489756744158895,"num_words":38,"start":3765.2002,"end":3776.2449},{"sentences":[{"text":"I mean, if blood pressure's managed, then I can come off that.","start":3776.545,"end":3779.845,"sentiment":"neutral","sentiment_score":-0.06971729857226212},{"text":"You know, I'm now back at training, so I'm now doing things to...","start":3780.065,"end":3785.925,"sentiment":"neutral","sentiment_score":-0.015567302668037323},{"text":"It'd be different if I was just Sydney doing nothing.","start":3786.545,"end":3788.95,"sentiment":"neutral","sentiment_score":-0.0632787711918354},{"text":"You know, I'd be like, okay.","start":3789.01,"end":3790.5498,"sentiment":"neutral","sentiment_score":-0.03281851330151161},{"text":"But I'm not...","start":3791.25,"end":3792.13,"sentiment":"neutral","sentiment_score":-0.0355787705630064}],"sentiment":"neutral","sentiment_score":-0.04489585502200167,"num_words":44,"start":3776.545,"end":3792.13},{"sentences":[{"text":"I'm back into training and back into...","start":3792.13,"end":3794.3699,"sentiment":"neutral","sentiment_score":-0.023622953865144933},{"text":"So I'm working on strategies to reduce that.","start":3794.3699,"end":3797.99,"sentiment":"neutral","sentiment_score":-0.012633607722818851},{"text":"Well, you know, I plan to be around for a long time, and I don't wanna be in a war through another statistics.","start":3809.485,"end":3815.15,"sentiment":"neutral","sentiment_score":0.015244316365367369},{"text":"So...","start":3818.5698,"end":3818.8098,"sentiment":"neutral","sentiment_score":0.011683139950037004},{"text":"Now...","start":3818.8098,"end":3819.3098,"sentiment":"neutral","sentiment_score":0.010536388494074345}],"sentiment":"neutral","sentiment_score":0.002660231650224887,"num_words":40,"start":3792.13,"end":3819.3098},{"sentences":[{"text":"Plan now for the future.","start":3819.45,"end":3820.75,"sentiment":"neutral","sentiment_score":0.041253098472952845},{"text":"It's simple things like when I'm 80, I wanna be able to hold my own groceries and walk up a flight of steps without having to stop, catch my breath, or, you know, I wanna be sprightly and agile at that age.","start":3822.01,"end":3837.685,"sentiment":"neutral","sentiment_score":0.1624479584750675},{"text":"I don't have to be like I was in 20, in my twenties or even my forties, but enough to be able to be independent and strong.","start":3837.825,"end":3850.58,"sentiment":"neutral","sentiment_score":0.07169856579491386},{"text":"Oh, thank you.","start":3860.4,"end":3861.435,"sentiment":"positive","sentiment_score":0.43066396315892536},{"text":"I can't see that.","start":3922.155,"end":3923.455,"sentiment":"neutral","sentiment_score":-0.043552516493946314}],"sentiment":"neutral","sentiment_score":0.12447805985532424,"num_words":81,"start":3819.45,"end":3923.455},{"sentences":[{"text":"Page 53.","start":3923.5151,"end":3924.3152,"sentiment":"neutral","sentiment_score":-0.011291052680462599},{"text":"Do I have to hit the next button?","start":3924.3152,"end":3925.7751,"sentiment":"neutral","sentiment_score":-0.02781042456626892},{"text":"Oh, no.","start":3931.3699,"end":3931.69,"sentiment":"neutral","sentiment_score":-0.16932590305805206},{"text":"It's asking me to sign now before I can go there.","start":3931.69,"end":3935.31,"sentiment":"neutral","sentiment_score":-0.1875183108178052},{"text":"Yep.","start":3940.57,"end":3940.89,"sentiment":"neutral","sentiment_score":-0.03835440427064896}],"sentiment":"neutral","sentiment_score":-0.11186554713640362,"num_words":24,"start":3923.5151,"end":3940.89},{"sentences":[{"text":"Now it's taking me back to the signature.","start":3940.89,"end":3942.75,"sentiment":"neutral","sentiment_score":-0.09503537323325872},{"text":"Yeah.","start":3982.205,"end":3982.705,"sentiment":"neutral","sentiment_score":-0.0321248322725296},{"text":"Yeah.","start":4164.03,"end":4164.225,"sentiment":"neutral","sentiment_score":0.0231669582426548},{"text":"Will I be getting a new...","start":4170.305,"end":4171.745,"sentiment":"neutral","sentiment_score":-0.006310814215491216},{"text":"One with those, like, those attachments to it?","start":4171.745,"end":4176.725,"sentiment":"neutral","sentiment_score":-0.02019243419636041}],"sentiment":"neutral","sentiment_score":-0.040360217448323965,"num_words":24,"start":3940.89,"end":4176.725},{"sentences":[{"text":"Will you be sending...","start":4177.665,"end":4178.645,"sentiment":"neutral","sentiment_score":-0.05077652633190155},{"text":"Did you know how I can't I can't get into what you're...","start":4179.4253,"end":4184.2803,"sentiment":"neutral","sentiment_score":-0.1817585788667202},{"text":"You know, after the...","start":4184.2803,"end":4185.16,"sentiment":"neutral","sentiment_score":-0.07457890827208757},{"text":"What you're talking about now.","start":4185.16,"end":4186.54,"sentiment":"neutral","sentiment_score":-0.08979274928569794},{"text":"I can't get into that because then it won't allow me to go any further.","start":4187.08,"end":4190.3804,"sentiment":"neutral","sentiment_score":-0.27077494164307914}],"sentiment":"neutral","sentiment_score":-0.1798278138972819,"num_words":40,"start":4177.665,"end":4190.3804},{"sentences":[{"text":"But will you be document with all that stuff in it?","start":4190.8403,"end":4196.185,"sentiment":"neutral","sentiment_score":0.0367746464908123},{"text":"Okay.","start":4202.165,"end":4202.565,"sentiment":"neutral","sentiment_score":0.2906169295310974},{"text":"Thank you.","start":4202.565,"end":4203.385,"sentiment":"positive","sentiment_score":0.5704034864902496},{"text":"Yes.","start":4235.6597,"end":4236.1597,"sentiment":"neutral","sentiment_score":0.24929606914520264},{"text":"Okay.","start":4306.235,"end":4306.735,"sentiment":"neutral","sentiment_score":0.06954880803823471}],"sentiment":"neutral","sentiment_score":0.13467436819337308,"num_words":16,"start":4190.8403,"end":4306.735},{"sentences":[{"text":"Alright.","start":4307.04,"end":4307.54,"sentiment":"neutral","sentiment_score":0.07336082309484482},{"text":"So should I wait?","start":4308.5596,"end":4309.84,"sentiment":"neutral","sentiment_score":0.0029518413357436657},{"text":"Or...","start":4309.84,"end":4310.34,"sentiment":"neutral","sentiment_score":-0.03239747881889343},{"text":"I'll wait till I get those documents before I sign in.","start":4310.96,"end":4313.54,"sentiment":"neutral","sentiment_score":-0.014316779984669252},{"text":"Yes.","start":4324.655,"end":4325.155,"sentiment":"neutral","sentiment_score":0.058804742991924286}],"sentiment":"neutral","sentiment_score":-0.002550507067806191,"num_words":18,"start":4307.04,"end":4325.155},{"sentences":[{"text":"Perfect.","start":4333.775,"end":4334.275,"sentiment":"positive","sentiment_score":0.5964705944061279},{"text":"Okay.","start":4334.39,"end":4334.63,"sentiment":"neutral","sentiment_score":0.3080582618713379},{"text":"And then I'll go back into this document and then once I've read them and find it.","start":4334.63,"end":4339.19,"sentiment":"neutral","sentiment_score":0.1968179424019421},{"text":"And then I'll come through to you automatically.","start":4339.19,"end":4340.89,"sentiment":"neutral","sentiment_score":0.18026593513786793},{"text":"Yeah?","start":4341.0303,"end":4341.5303,"sentiment":"neutral","sentiment_score":0.12661437690258026}],"sentiment":"neutral","sentiment_score":0.2078277048255716,"num_words":28,"start":4333.775,"end":4341.5303},{"sentences":[{"text":"Yes.","start":4370.0996,"end":4370.34,"sentiment":"neutral","sentiment_score":0.0008659530431032181},{"text":"Sorry.","start":4370.34,"end":4370.84,"sentiment":"neutral","sentiment_score":-0.15531104803085327},{"text":"Just write this down.","start":4371.38,"end":4372.5996,"sentiment":"neutral","sentiment_score":-0.20568354427814484},{"text":"Okay.","start":4480.37,"end":4480.69,"sentiment":"neutral","sentiment_score":0.15130457282066345},{"text":"Okay.","start":4480.69,"end":4481.085,"sentiment":"positive","sentiment_score":0.3351755738258362}],"sentiment":"neutral","sentiment_score":-0.06133739068172872,"num_words":8,"start":4370.0996,"end":4481.085},{"sentences":[{"text":"Thank you.","start":4481.485,"end":4482.065,"sentiment":"positive","sentiment_score":0.7230536043643951},{"text":"You too.","start":4484.685,"end":4485.325,"sentiment":"positive","sentiment_score":0.5823357999324799},{"text":"See you later.","start":4485.325,"end":4486.065,"sentiment":"positive","sentiment_score":0.5018803874651591},{"text":"Bye.","start":4486.3647,"end":4486.8647,"sentiment":"neutral","sentiment_score":0.22305230796337128}],"sentiment":"positive","sentiment_score":0.5424340348690748,"num_words":8,"start":4481.485,"end":4486.8647}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi. Is this Carmen?\n\nChannel 1: Yes. It is.\n\nChannel 0: Carmen, it's Jenna here phoning from Oakview Financial. How are you today?\n\nChannel 1: I'm good. Thank you. How are you?\n\nChannel 0: I am good. Thank you. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: That's fine. Fine.\n\nChannel 0: Fantastic. And, Carmen, can I please ask you to confirm your client password?\n\nChannel 1: Copy.\n\nChannel 0: Sorry?\n\nChannel 1: Scruffy.\n\nChannel 0: Yes. Sorry. You dropped out. Yes. That's correct.\n\nThank you.\n\nChannel 1: No worries.\n\nChannel 0: The reason I'm calling today is just to run through the advice presentation that we talked about from our last review just to make the recommended changes. Do you still have time for that?\n\nChannel 1: I do. I do.\n\nChannel 0: Wonderful. I sent you an email probably about five minutes ago with some... A similar to the review process with a a link to sign here through OdooSign and from myself. The the documents we're gonna talk through are contained in that sign here option if you're able to access your emails.\n\nChannel 1: Yep. Yep. Yep. Going into it now.\n\nChannel 0: Lovely. Thank you. So if you can just confirm when you have those... That opened, I can begin\n\nChannel 1: Yep.\n\nChannel 0: talking you through.\n\nChannel 1: I've got an iPhone.\n\nChannel 0: Lovely. Thank you. So the first page you should see is a cover page that says statement of advice prepared for yourself,\n\nChannel 1: Yep.\n\nChannel 0: and it's prepared by myself, Jenna Wheeler, and with my authorized details and Oakview's details. The next page... Sorry. I'm just gonna move that away there. The next page covers off on what this document contains and our best interest duties.\n\nSo as advisers, our best interest duties apply that we... Any financial or personal info... Information and advice is specific to your needs. Any incomplete or inaccurate information can impact the basis of the advice. So if anything hasn't been provided correctly, we always consider that the recommendation made has to put you in a better position and suit your circumstances and in your best interests.\n\nThat's what that page outlines. The next one is a table of contents followed by the scope of advice including your goals and objectives. So this document... Well, this section, I'm gonna... It's gonna explain what we're addressing in this advice document today.\n\nSo the goals and objectives that we are addressing is your superannuation. So one of the topics we spoke about in your recent review was underperforming investments, making sure your portfolio is invested in this... In line with your risk profile. We also spoke about the ability to make recommendations to superannuation.\n\nChannel 1: Yep.\n\nChannel 0: So that is included in here also. Additionally, on the next page with insurances, you mentioned that you're happy with your level of life and TPD cover. You would like to understand what trauma insurance covers and what the cost would be. And if you're able to look at increasing your income protection from insured now that your income has increased. Estate planning\n\nChannel 1: Yeah.\n\nChannel 0: is also making sure that somebody is able to look after Gabe and make sure he is not taken advantage of should something happen to you.\n\nChannel 1: Yes.\n\nChannel 0: The items that we're not addressing in this advice document is your retirement goals. It... Due to... As retirement is quite some time away at the moment, we're not looking at any retirement specific strategy. So that would be, for example, a transition to retirement or other type of retirement specific strategy...\n\nStrategies. We're preparing for retirement but not recommending it at the moment. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense\n\nChannel 1: That's...\n\nChannel 0: so far?\n\nChannel 1: Yeah. Yep. That's right. We got a little little while off, so... Which\n\nChannel 0: Yeah.\n\nChannel 1: is a good thing.\n\nChannel 0: Yes. That's right. The next couple of things that aren't considered also is the budget and savings. So you've started saving a $100 per fortnight for your trip to Greece next year.\n\nChannel 1: Yep.\n\nChannel 0: Debt, you wanna reduce your personal debt and potentially purchase a house in the future. So those two aren't covered within this statement\n\nChannel 1: No.\n\nChannel 0: of advice.\n\nChannel 1: No. That's fine.\n\nChannel 0: Lovely. Then this limited advice section just covers off on the areas that I am not able to obtain advice in. So I'm not a lawyer or a legal practitioner, so I can't draft that will or estate planning documents. Legal attorney does need to do that.\n\nChannel 1: Yeah.\n\nChannel 0: I can't provide advice in regards to general insurance. I can provide tax advice in relation to financial planning, but but not tax return advice, for example.\n\nChannel 1: Yes. That's... Yes. We spoke about that last one.\n\nChannel 0: Beautiful. Thank you. The next couple of pages are there about you. So it covers off on your personal situation, including your occupation, income, marital status, dependents, assets and liabilities, your superannuation, and your current insurance portfolio. And that's all the information that we obtained and talked through on your recent and your review.\n\nPage 11 talks about your risk profile. So, again, referring back to our review, we talked through your appetite to risk and having a growth risk profile, which is an 20% split, if you recall. So 80% to growth assets and 20% to defensive assets. Is that still applicable? Yep.\n\nLovely. Alright.\n\nChannel 1: Okay. For retirement.\n\nChannel 0: Sorry?\n\nChannel 1: This is for retirement?\n\nChannel 0: Yes. Exactly.\n\nChannel 1: Yeah. They're gonna be so.\n\nChannel 0: Fantastic. Okay. The next section is where we're gonna talk about the actual strategy. So this is where the crux of it... Of the actual advice live.\n\nThe first recommendation on page 13 is that PSS will be retained due to... In its own form in... Due to, you know, the limitations and restrictions of the scheme itself. So that will continue to sit where it is and not be touched until there comes time that you meet a condition of release. But in relation to your Hub twenty four superannuation fund, the one that we manage on your behalf, we have reviewed the investment options which I talked to you about.\n\nAnd I've actually recommended not only replacing those underperforming investments being the ban along and the phasing out of the hybrid options, but I've recommended a little bit of a restructure of your portfolio. And what... In considering that, what I've also considered is any potential CGT implications that are internal to the fund, not you personally.\n\nChannel 1: Mhmm.\n\nChannel 0: And based on all those things that I considered, which is within this document, being eleven years away from retirement, the preliminary modeling does show us that it's gonna have a greater outcome, which I'll cover off in a couple of more pages. The recommended portfolio does use lower cost investments with strong and consistent consistent performance history. So by reducing the ongoing fees, we're giving your balance a little bit more room to grow by reducing those investment fees. In addition... Oh, sorry.\n\nI pressed the wrong button. And then I've rebalanced it to make sure that it is back within that the guide time... The guidelines of the 8020 split for a growth profile. The the advantages are that, again, lesser in... You'll have lesser ongoing investment phase.\n\nThe disadvantages, though, are there is a capital gains tax of approximately $55.03 that will be paid within the HUB24 super platform. So that's not you personally. The the superannuation fund is... Your super balance, sorry, is charged up. So to make those changes...\n\nSorry?\n\nChannel 1: That's that charge is annually, is it?\n\nChannel 0: It's only a one off. So it's a capital gains tax. So because the portfolio has made a gain, even with that... The underperforming better long fund, what I've recommended you switch into does realize a little bit of a capital gain. So it's not an ongoing annual fee.\n\nIt's just\n\nChannel 1: Yep.\n\nChannel 0: a one off,\n\nChannel 1: Yep.\n\nChannel 0: and it's $55.03. Does that make sense?\n\nChannel 1: Yeah. No. That's fine.\n\nChannel 0: Lovely. Okay. I did consider other alternatives. Like, I considered another platform\n\nChannel 1: Yep.\n\nChannel 0: potentially. Essentially, I discounted that one because they do have higher brokerage fees. So when funds are sold and traded upon compared to HUB 24. And also, if I did do that, the capital gains tax would be nearly $3,000 rounded up. So that is not actually in your best interest.\n\nIt would take a quite a significant amount of time with the fee reduction and then to offset that CGT. So that was just discounted pretty quickly. The risks involved are always... There's no guarantee of the recommended investment portfolio portfolio outperforming any other portfolio. Future legislative or regulatory changes can occur, so access to super is currently sixty years of age, for example.\n\nThat could change based on legislation, and I'm just using that as an example as what legislative risks are. And as we are moving investments around in the background, you know, investments may rise or decline during that time. So there is a a little bit chance there of missing out on potential gains. Any questions there?\n\nChannel 1: No. But, I mean, that'll be determined upon the market, won't it?\n\nChannel 0: Yes. Yeah. Yep. Yeah. So we're not...\n\nYou... Once in a couple of pages, I'll actually... You'll actually see what we're moving out of and what we're keeping. So that can actually give you a little bit more confidence and information to make an informed decision.\n\nChannel 1: Okay. Awesome. Thank you.\n\nChannel 0: That's okay. The next page covers off on the fee comparisons between... We've included PSS here for you anyway because those fees don't change. They'll be the same for you this estimated coming twelve months they're based on. But you'll see the hub ones are the ones that I wanna focus on.\n\nChannel 1: Mhmm.\n\nChannel 0: So the second line being the investment fee, you're gonna have a $467 saving per annum on the investment fee. So that'll go from 925 down to about 458. The adviser the adviser fee does increase a tiny little bit by $64 just based on your balance when we produced the statement of advice. And we have actually made a recommendation of contributions to super, so you'll see that they vary a little bit of approximately 3,448. I'm\n\nChannel 1: Yep.\n\nChannel 0: gonna touch on that in a moment. And then your insurance premium. So I did look at your income protection, and I have made a recommendation within here which is further on and we'll cover off, but that's... Your your insurance premiums are are included in here also. What it means for you personally by making the investment recommendations, on the next page down, we have the projected balance.\n\nSo in five years' time, in the current portfolio, we'd be looking at about... So this is with your two combined, your PSS and Hub combined of 800 and 2,473. The recommended portfolio within Hub, so this allows for the accumulation of part of PSS and their investment returns, historical we use, and then the hub one as well with the defined benefit. So if you look at the figures in green, in five years, we believe you'll be better off by $52,800 by changing the portfolio within hub, and in ten years, a $160,187 based\n\nChannel 1: Okay.\n\nChannel 0: on the portfolio. So we just use the conservative figures there. So... And any projections there, we've just used the PSS historical returns to include. So you can kinda see the whole picture rather than just part of it.\n\nChannel 1: I need to make more, though, won't I?\n\nChannel 0: Sorry.\n\nChannel 1: I still need to make more, though, won't I?\n\nChannel 0: That really comes down to... I think a little bit further on, we'll cover off on the retirement. There is a little bit of a projection there that might be able to give you some information and some comfort too. So I'll wait until we get to that section because there is a little bit that's dedicated to that for you to have a look at and understand. Is that okay?\n\nChannel 1: Yes. Yeah. That's fine.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. The next page is the investment option. So this is the part where with the market movement, so being out of the market that we talked about potentially timing risks, for example. So that Bennelong Australian Equities one, that's the underperforming one that we're getting out of. So that's that top one there.\n\nChannel 1: Mhmm.\n\nChannel 0: We're also going to remove the Global Battery Tech and Lithium\n\nChannel 1: Yep.\n\nChannel 0: and the BetaShares Australian Bank Hybrid in full along with the VanEck Australian Property and the BetaShares Raffi Australian two hundred. You'll see that they're all... All those figures are red.\n\nChannel 1: Yeah. Yeah. This is a big amount too. You know?\n\nChannel 0: Sorry?\n\nChannel 1: They're big amounts, like, 35,000, 20\n\nChannel 0: Yeah.\n\nChannel 1: thousand.\n\nChannel 0: Yep. Yeah. So we're moving out of those. So the way the portfolio is structured, there's two different types. If you think about your core your core being your big holding ones, so that will be your Australian shares exposure, your international share exposure.\n\nSo they're the core of your portfolio, basically. And then we have satellite investments that float around those, and they're designed to provide additional exposure to different growth aspects of the market in niche areas. So for example, as we move through this, we're we're moving out of the bulk of our... All the estranged share equity exposure of Bennelong is getting removed. And you'll see down the bottom of that first page, the beta\n\nChannel 1: Mhmm.\n\nChannel 0: shares Australia 200, you're\n\nChannel 1: Yeah.\n\nChannel 0: gonna have about 44,000 invested in that. That's your Australian share exposure. So that's one of your core investment options. We're then moving exposure, which you already have,\n\nChannel 1: Mhmm.\n\nChannel 0: in exposure, which you already have, in the iShares core composite bond. So you currently have about $18,400 invested there. We're gonna be adding an additional 12,600 to increase that. So that's the core component of your defensive portfolio. So then the one below that again is your iShares S and P 500.\n\nYou'll see you currently have 64,559 invested in that. That's your American shares exposure. So that's one of the core investments in your portfolio as well. So if you look at the the larger numbers, they're your core parts of your portfolio with your other ones being your satellite options. So one of your satellite options is gold, your physical gold and a physical gold ETF.\n\nGold behaves in the market very differently to any shares. You probably see on the news that regularly that gold is up and down and up and down.\n\nChannel 1: Yes.\n\nChannel 0: That's that's one of those growth and defensive parts of the portfolio that just floats around your higher held Australian international shares to give you a little bit more diversification. The same with the cybersecurity that's below, reducing your exposure a little bit back down to 5%. Again, it's a... That's a gross... It falls within our gross portfolio, but it's a really niche sector.\n\nSo cybersecurity is a... At the forefront of pretty much nearly everything these days at the moment with AI and everything that needs to happen in the background. So that's a really nice little tech exposure piece there that you have in the growth market, and it's been performing well to get... To give you that little bit of diversification. The ones that we're investing into that we haven't had in your portfolio before is iShares Europe, iShares Japan, and the Vanguard All World Fund excluding US.\n\nWhat we have done here is rather than including more niche markets like the battery tech and lithium, for example, we've gone with the approach of a different economy diversification. So having some European exposure, some Asian Japan exposure, and then your Vanguard all world. So that's the whole world market minus The US because we already have a significant exposure to The US market. So rather than large, like, several niche markets, what we've done is kept the cybersecurity and the gold in there as those niche kinda little markets that we want, but expanded your exposure across global economies rather than niche markets.\n\nChannel 1: Okay.\n\nChannel 0: Does that make sense? Or\n\nChannel 1: So...\n\nChannel 0: it's a lot of information.\n\nChannel 1: Yeah. No. It is. But I I think to be realistic at my age, I need to be looking forward and niches... I guess they come and go and and gold fluctuates, silver fluctuates, but but\n\nChannel 0: Yep.\n\nChannel 1: they can't see. But they will never go out completely. Which\n\nChannel 0: Correct.\n\nChannel 1: is...\n\nChannel 0: Yeah. Yep. Yeah. Yeah.\n\nChannel 1: So that's\n\nChannel 0: No. I\n\nChannel 1: that's\n\nChannel 0: I\n\nChannel 1: probably\n\nChannel 0: understand\n\nChannel 1: something\n\nChannel 0: what you're\n\nChannel 1: that\n\nChannel 0: saying.\n\nChannel 1: will... Yeah. That'll be there. But\n\nChannel 0: Yep.\n\nChannel 1: may... So these these iShares Europe, Japan, and Vanguard will go into the defensive or the call part.\n\nChannel 0: They're your... Well, they're your gross still, your gross part of the portfolio. So still in the shares, property, etcetera, but they're the smaller allocation. So you've got your 8%, 5%, and 8%. So they're gonna float around your major holding within the iShares S and P five hundred.\n\nSo that's your in... Yeah. That's your American share market, essentially. So a lot of our growth in portfolios, realistically, is the American share market where the big companies predominantly, let's call it, live. The Australian share market is quite concentrated to just Australia.\n\nWe've got some great companies within there being the financials and the resources. But with the American share market, we have a lot more diversification abilities there. Lots of different, you know, companies, health care, financials as well. You've got your tech. You've got everything.\n\nWhereas Europe is a... They... Each each economy behaves a little bit differently depending on what's happening in the the world at any given time. So your iShares Europe, iShares Japan, and your Vanguard All World, they're still the gross investments being your shares, but they're more satellite. So they're...\n\nThey'll float around basically, and they may act differently to the American market should a global event happen. So their behavior does depend on what's happening in the in the world and what the events\n\nChannel 1: Yep.\n\nChannel 0: are at that time.\n\nChannel 1: Okay.\n\nChannel 0: Any questions about that so far?\n\nChannel 1: No. No. That's cool.\n\nChannel 0: Yep.\n\nChannel 1: I mean, we're we're having a diverse footprint, so that's good.\n\nChannel 0: Yes. That's...\n\nChannel 1: You know?\n\nChannel 0: Well, yeah. That's always the aim.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: The next cup... Two pages are your asset allocation. So I've... We've included two here. The first one excludes your PSS scheme.\n\nSo what this looks at is just your funds held in hub twenty four. So you'll see as a growth investor, we typically wanna see 80% of your funds invested in growth assets and 20 in defensive assets. What my recommendation is is that you're gonna have approximately just shy of 85% in growth assets and just over 15% in defensive assets. That figure will fluctuate and won't sit stagnant depending on what's going on with the market. So for example, if the share market takes a massive hike, that percentage figure is gonna increase because the growth of your portfolio for those investments has increased as well.\n\nSo that's why it's important also to make sure we do keep up to date with the regular reviews to make sure that we are tracking towards your risk appetite being a growth investor. The next table include... I've included it showing your PSS scheme. So your accumulation and defined benefit and HUB 24 altogether. So you'll see the gross total sits at the...\n\nIn the proposed column, the third one over, sits at about 74... Or let's call it 75% with your defensive sitting at about 25%. The reason why you're underweight and gross as a total, including your PSS scheme in relation to your risk profile of 8020% is that the PSS accumulation and defined benefit, they have less gross orientated investment. So their portfolios are structured differently. And being\n\nChannel 1: Yes.\n\nChannel 0: that the the defined benefit part of it isn't invested, so that does heighten the defensive part of the portfolio. Does that make sense?\n\nChannel 1: But they're two separate. Yeah?\n\nChannel 0: Yes. They're very... They're two separate. But for the full picture, what I've included it in the asset allocation just to show you that as a whole, including your PSS, you aren't invested completely as a gross risk profile. It's more just an an investment piece.\n\nBut\n\nChannel 1: Okay.\n\nChannel 0: they are two different funds. Not investment piece, an information piece\n\nChannel 1: Yep. So one's\n\nChannel 0: for\n\nChannel 1: making money and one's just stagnant\n\nChannel 0: you.\n\nChannel 1: room.\n\nChannel 0: Well, your defined benefit... Your PSS has two parts of it. There's the accumulation part of your your fund, and then there's the defined benefit. The defined benefit is a calculation based on retirement. The accumulation is invested, and I've got an account run down here that I can give it to.\n\nI'll just have a quick sneaky peek. Total balance, employer component. So you're invested in the default. So about 383,000, let's round it up, is invested in the accumulation option of your PSS member, and you're in the default option. So if I have a look at the default option to tell you what that's returned in the last little bit...\n\nPerformance. They're both invested. It's just that your defined benefit part is not. And the accumulation is just invested differently to what we invest. So their portfolio structure's a little bit different.\n\nSo for example, they have a higher fixed interest component sitting at about 12.25% and a higher cash component sitting at 13%. Whereas our portfolio, for example, if we look at the one excluding PSS, the allocation, you'll see that our cash and fixed interest total is about 15%, whereas PSSs with their total combined is about 25%. So that's why they're a little bit different. It's just the way the the managers invest their money.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. So it's not sitting there doing nothing. Not at all. It's just invested differently and probably a little bit more conservative than your hub twenty four account.\n\nChannel 1: Nice way to put it.\n\nChannel 0: Yeah. So it's just that they've got more exposure to some defensive assets being a fixed interest in cash. And I'm sure that their mandate changes from time to time in relation... And, again, their figures would change again from time to time depending on what's going in the market also.\n\nChannel 1: Yeah.\n\nChannel 0: So it's... Yeah. Just at the moment, theirs is a little bit more defensive, and ours is a little bit more, gross orientated. The next page is re... On a retirement income calculation.\n\nSo this is where I said I'd talk to you more about retirement and your question is whether you needed to work more. So based on our conversations previously, you said you'd need likely about 2,000 per fortnight in retirement if you were debt free. Do you\n\nChannel 1: Yeah.\n\nChannel 0: still think that's right?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Yeah. We also talked about your retirement age being 65. Still correct?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah? Okay. So if we look at this little graph, which you might need to zoom in on, it's very small, the green section refers to your superannuation, and the light blue purple... Bluey purple color, I think you'd call it, is the age pension. So you can see from the age of 65 through till about 92, your superannuation fund and balance projected out is going to meet your income needs.\n\nChannel 1: Perfect.\n\nChannel 0: From from the age of about 74, you're gonna start base... And, again, this is just based on today's legislation and, you know, pretty standard conservative returns to make sure that we don't overinflate anything. You've... At about 75, you become eligible for a part age pension, and then that increases from there. So what that does is that stop...\n\nThat stops you drawing down as much on your super, and we only draw the difference.\n\nChannel 1: Mhmm.\n\nChannel 0: So\n\nChannel 1: Yes.\n\nChannel 0: you can see that you are on track. Hopefully, that gives you a little bit of peace of mind to what you're working towards. And, yeah, you're you're well within target, reaching your target.\n\nChannel 1: That that was 2,000 a week, wasn't it? Not a fortnight.\n\nChannel 0: Sorry?\n\nChannel 1: That was 2,000 a week, wasn't it? Not a fortnight.\n\nChannel 0: I think... Let me double check. I'll just go back to our original notes. It says at about age 67 with 1,000 a week, but what you earn now is about $1,600 after tax. So depending on the debt situation and your debt free, we looked at a thousand dollars a week.\n\nObviously, being 2,000 a fortnight, but you can... That's variable depending on... If you want me to send you through another quick calculation post meeting, I can do that with a different amount just to give you an idea of how that looks. I don't foresee it being an issue.\n\nChannel 1: Can we do that in 2,000 a week or in a 2,000? We... Even 1,500 a week, you know?\n\nChannel 0: Yes. Absolutely.\n\nChannel 1: Because I want... Obviously, what the market's like at that at at that time. And I know that we're forecasting or projecting, but\n\nChannel 0: Mhmm.\n\nChannel 1: I wanna make sure that, you know, I have enough. And\n\nChannel 0: Yeah. So that... Yeah. Of course. So what we do with that is we do base it on today's dollars.\n\nChannel 1: I'm... Yeah.\n\nChannel 0: So we allow for the inflation. So you'll see a little bit below that, we allow for the inflation in today's dollars. So I can definitely get that done up for $1,500 a week. So you've got that for your information as well. Post our meeting, I'll send that through in an email for you.\n\nThe next section is something... The next page is advice in relation to salary sacrifice. So this is building your superannuation further. Now this is something that I've considered as an alternative to you for a number of reasons. So I noted that from our conversation, you're making investments into Bitcoin and silver\n\nChannel 1: Mhmm.\n\nChannel 0: on a regular basis. What I considered as an alternative for you for you to consider is using those funds of a 156 per fortnight that you do in silver and Bitcoin and instead invest into your superannuation. There are a number of reasons why, which could also be in contradiction to why you choose to do Bitcoin and silver. So this this is, from me looking at your situation as a holistic picture, the reasons why is the funds will still be invested, but they're gonna be invested in a diversified market, not concentrated to Bitcoin and silver themselves. Adding the contributions to super is a tax effective environment.\n\nSo once you do retire and meet a preservation aid... Your preservation aid, the income within that is tax free. So there's no capital gains tax, for example. There's no tax payable on you drawing an income, etcetera. The...\n\nWith the Bitcoin and the silver and investments holding your personal name, there is capital gains tax that's applicable to those, and there's no tax benefit of you. You don't receive a tax benefit of you investing in it. So now that the 50%, you know, tax... CGT tax has been removed discount, the superannuation environment is a more tax effective or friendly option. What...\n\nOn the following page, what I've done is a very simple table. You'll see that your income is stated. Column one represents your current position investing into crypto and silver. Column two removes that crypto and silver and instead puts it into a salary sacrifice arrangement into super. What\n\nChannel 1: Mhmm.\n\nChannel 0: it does is it reduces your taxable income by approximately... Oh, gosh. They should put those figures there. I can't even do math today. That's terrible, isn't it?\n\nSorry?\n\nChannel 1: We've come back from a long weekend.\n\nChannel 0: Oh, it still feels like the weekend. It's gonna reduce your taxable income rounding up that $2,800. So that's $2,800 you're not paying tax on,\n\nChannel 1: Yes.\n\nChannel 0: and then that money is, you know, used elsewhere. So you're gonna have a tax saving as well because you're not getting taxed on that full taxable income. It's it's the reduced amount post the salary sacrifice. What it means is the super contribution variance is an extra $3,448 going in a year, which even though... So when you're you're contributing to super, it's taxed at 15% when you go in.\n\nSo your salary sacrifice, that that amount is taxed at 15%. However, that 15% is less than your marginal tax rate. So that's the benefit of it, the trade off. So you... From a tax perspective, it's gonna be beneficial for you personally now and in the long run.\n\nAnd also in retirement, it's gonna be beneficial. So the reason why I did include that is for those reasons. But the next page also covers off on your crypto and silver. So I've used a... It was very, very difficult because Bitcoin is an unregulated investment.\n\nSo it's really difficult to get decent returns... Well, not decent returns, but find information on... As you know, the the market goes up and down a lot with Bitcoin. So to get factualized returns, we we relied on an ETF. So these returns are probably not like what you've seen in your Bitcoin experience, but they're conservative returns that we've used in this advice document.\n\nSo I've assumed that a Bitcoin annualized returns, that means over the long term. So one year could be 33%. For example, in the next year, it could be negative 50%, and annualized return is the average of your return over the long term. So with Bitcoin, we did... We used 11.2, and with silver, 9.63.\n\nAnd they're based off ETFs that we use for those types of investments. We haven't put any fees in there because I wasn't aware of any fees within your platform... Trading platform that you use. But over a five year period, you'll... You could expect your balance while still doing your existing contributions to increase by those months, those amounts.\n\nSo five years 20...\n\nChannel 1: Sorry.\n\nChannel 0: Sorry?\n\nChannel 1: Good. Keep going.\n\nChannel 0: No. You're absolutely fine. So five years is a 28,000 lump sum, and seven years is a $41,000 lump sum. So the... What...\n\nThe reason I have said, yep. Those are great those are great investments. You you know, I understand you wanting to do them and all of that. The reason why I recommended salary sacrifice as opposed to it is that at about 60 that you wanna... At 60 years of age, you wanna kind of look at reducing your working hours.\n\nChannel 1: Yes.\n\nChannel 0: Bitcoin and silver do carry high volatility. Their upsides, the potential upside is fantastic in those investment options, but it also falls within a significant risk level. And as you approach retirement, so we're in line with your goals and objectives, building your retirement savings, particularly, as you mentioned before, to know that it's gonna meet what you need in retirement, I felt that the salary sacrifice option, whilst not probably providing the same type of returns, is gonna help you meet those retirement objectives.\n\nChannel 1: And it's\n\nChannel 0: Does\n\nChannel 1: more\n\nChannel 0: that\n\nChannel 1: stable.\n\nChannel 0: make...\n\nChannel 1: And it's more stable.\n\nChannel 0: Sorry? Stable. It's more\n\nChannel 1: Yes.\n\nChannel 0: diversified. If you\n\nChannel 1: Yes. I\n\nChannel 0: if\n\nChannel 1: think\n\nChannel 0: you\n\nChannel 1: you think\n\nChannel 0: say that...\n\nChannel 1: about... Like,\n\nChannel 0: Sorry.\n\nChannel 1: sorry. The salary sacrifice. It's kind of a a stable concrete, whereas Bitcoin fluctuates up and down quite regularly. So\n\nChannel 0: Yep. So what... With the salary sacrifice, where you'd be directing that is to your HUB twenty four account. So you you know how that HUB twenty four account goes up and down as well?\n\nChannel 1: yep. Yep.\n\nChannel 0: That's where that money is going. So it's going into your superannuation fund. So it's still invested within the market, but like we talked about before, it's diversified across lots of different sections of the market rather than being centralized to silver and Bitcoin. So you still will have that volatility, but you won't have that significant\n\nChannel 1: Okay.\n\nChannel 0: volatility that you experience in Bitcoin and silver because the money is spread out and diversified.\n\nChannel 1: Okay.\n\nChannel 0: Does that make\n\nChannel 1: Okay.\n\nChannel 0: sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Any questions? It\n\nChannel 1: No.\n\nChannel 0: is\n\nChannel 1: No.\n\nChannel 0: a\n\nChannel 1: No.\n\nChannel 0: lot to take.\n\nChannel 1: It is. It is. But if\n\nChannel 0: Yep.\n\nChannel 1: I was thinking about salary sacrificing, is\n\nChannel 0: Mhmm.\n\nChannel 1: that... You know, that might be something from next year onwards?\n\nChannel 0: It is completely up to you. Whatever recommendations I'm making here, you are not bound to proceed with them. My job is to give you the recommendations to reach your goals and objectives. You don't have to implement them. It's completely up to you.\n\nChannel 1: Okay.\n\nChannel 0: Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: So the information's all here for you to consider. And I don't... And also just to be very, very clear, I'm not recommending you sell any of your existing investments. I'm recommending that you redirect that money that you purchase, used to purchase fortnightly, 154 in total, to super instead.\n\nChannel 1: Okay. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No.\n\nChannel 0: Yep.\n\nChannel 1: No. No. No. No. No.\n\nNo. No. No. No.\n\nChannel 0: Just\n\nChannel 1: No. No. No. No.\n\nChannel 0: to\n\nChannel 1: No. No.\n\nChannel 0: be\n\nChannel 1: No. No. No.\n\nChannel 0: clear,\n\nChannel 1: No. No. No. No. No.\n\nNo. No.\n\nChannel 0: I\n\nChannel 1: No.\n\nChannel 0: didn't\n\nChannel 1: No. No. No. No. No.\n\nNo.\n\nChannel 0: wanna\n\nChannel 1: No. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No.\n\nChannel 0: make that unclear in any way.\n\nChannel 1: No\n\nChannel 0: Yep. Yeah. Mhmm.\n\nChannel 1: that\n\nChannel 0: Yeah.\n\nChannel 1: can bring about a bigger return.\n\nChannel 0: Yeah. I can understand that.\n\nChannel 1: But later in... And\n\nChannel 0: Yep.\n\nChannel 1: give them\n\nChannel 0: Yeah.\n\nChannel 1: my age.\n\nChannel 0: That's\n\nChannel 1: Okay.\n\nChannel 0: absolutely fine. And and when you're ready to look at salary sacrifice, that's something that we can absolutely help with. Sorry?\n\nChannel 1: Yeah. Keep going. Sorry.\n\nChannel 0: No. That's\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: need the long fucking. Yeah.\n\nChannel 0: Yeah. It's not a great line. That's alright. Okay. So the next page is your...\n\nIs to apply for an increase in income protection. So your monthly benefit falls short by approximately $2,015 a month. We've recommended increasing it, and what this policy covers is your income should you be unable to work due to injury or illness up to 70%. The premium here is indicative at this stage. We're just waiting on Tal to confirm the final amount.\n\nBut what they have said and come back to us is that based on a pre assessment, there would be loadings applied to new cover, not your pre assessment, and that's where they just speak with the insurance company to understand if there's any loadings or exclusions that would be applied to insurance policies. So based on that, when that was done, due to your... Sorry. I'm just jumping into a different page. Your blood pressure,\n\nChannel 1: Yep.\n\nChannel 0: there's likely to be a loading. Now that loading will be on your income protection up to 75% of the new premium only. But if they they have said what they do is they'll arrange a nurse to come out and take some bloods from you at no cost to yourself. And if those blood tests indicate reading that Tal is is wanting to see, then that that loading could potentially be reduced down to 50% for income protection. So that premium can vary a little bit at the moment when not...\n\nWhen nothing's set in stone. And then also with any trauma and trauma insurance that we're looking at, there will be a 50% loading also. Any questions about that?\n\nChannel 1: I've just recently had a blood test done\n\nChannel 0: Okay. Yeah.\n\nChannel 1: a while ago. My understanding is that you can only get one every six months.\n\nChannel 0: Yep. Yep.\n\nChannel 1: If there's issues, twelve months usually. Is that gonna be an\n\nChannel 0: No. No. Because this is private. So the insurance companies use a health service. So, yeah, the nurses will come out to you directly.\n\nThey'll phone you, like, when we get to that stage, if we get to that stage, they'll... It will be covered and arranged and funded through the insurance company. It's not through Medicare or anything like that.\n\nChannel 1: Okay.\n\nChannel 0: So... Yeah. So what I've done is I've recommended and increased your monthly benefit $2,015.52. Same waiting period being thirteen weeks, so ninety days, and a two year benefit period funded from super. At the moment, it's sitting at $1,048.18 extra per annum with the caveat that that that could potentially be more or less depending on results of blood tests.\n\nSo we won't know exactly a 100% until that time. And then at that time, you could make a decision anyhow, but I just wanna make that really clear at the moment.\n\nChannel 1: Yes.\n\nChannel 0: Any questions about that?\n\nChannel 1: Hello.\n\nChannel 0: No?\n\nChannel 1: I I... Because\n\nChannel 0: No?\n\nChannel 1: of my age, my weight,\n\nChannel 0: Sorry?\n\nChannel 1: and I guess because of my age and my weight and stuff.\n\nChannel 0: Yeah. There's a there's a few factors that they do take into consideration with underwriting. And, yeah, it's more... It's probably a combination of your blood pressure and... It's cholesterol.\n\nIs that correct?\n\nChannel 1: I don't have high cholesterol. This is blood\n\nChannel 0: No.\n\nChannel 1: pressure.\n\nChannel 0: Sorry. Yeah. The blood pressure. Sorry. And your...\n\nLet's have a look.\n\nChannel 1: It's okay. It's late. Yeah.\n\nChannel 0: Alright. That's okay. But... Yeah. So we would have a better understanding of that once that's done, what the price would be.\n\nYou also asked me to just have a look at trauma insurance, which is the amount that... The type of cover that covers you if you're diagnosed with a specific health condition being... And they range from cancer, heart attack, stroke. We looked at that for... To help with some out of pocket expenses and a lump sum to help with the recuperation period.\n\nAnd with the loading, that comes out at approximately $223.88 per month, and that has to be paid from your personal cash flow as it's unable to be paid from super.\n\nChannel 1: Oh, okay. Okay.\n\nChannel 0: Yes. Yep. So that's there for your information for you to consider there. So, basically, the recommendation, to summarize, is to increase your income protection to make sure you can cover the most you can of your income if you're covered if you are injured or unable to work due to illness, and that the trauma insurance has been recommended should you be diagnosed with a critical event. No.\n\nChannel 1: Okay. My total of the former\n\nChannel 0: Yeah.\n\nChannel 1: is pretty much okay apart from blood pressure according to my blood test.\n\nChannel 0: That's fantastic news.\n\nChannel 1: That is good news from... Yeah. So, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: we might revisit that next year.\n\nChannel 0: Yeah. That's absolutely fine. Absolutely fine. With the income protection, what were you thinking?\n\nChannel 1: Well, if they're saying that it's a deficit of... What was it? 2,000?\n\nChannel 0: Well, based on your income of 125,500, the you aren't... You you do have a shortfall of about 2,000 that you can insure for your income. So if you were injured now, right now, I'm gonna jump back to... Or unable to work due to illness, for example, the maximum you'd receive per month is $5,304.\n\nChannel 1: Okay. Which is probably what I'm living on now. Will that come out of my up 24?\n\nChannel 0: Yes. Yep. So if we go to the next pay... Oh, not the next page. Let's call it page 34.\n\nIt does show you the impact. So... Of the premium on your balance. So there's a little table there that says premium five year impact, eleven year impact. So eleven year being for retirement, current, and recommended.\n\nSo it does have a impact on your balance, most certainly. You can see from those tables\n\nChannel 1: Yep.\n\nChannel 0: and those figures. Even just the small amount a thousand dollars makes a year can have a big difference, But to weigh the option as well is if you are unable to work or or you were injured, could you meet your income needs based on your current sum\n\nChannel 1: Yep. Yep. And that's okay. I mean, let's let's do that. Let's, you know,\n\nChannel 0: insured?\n\nChannel 1: change the shortfall because stuff happens. Life happens. I'm\n\nChannel 0: Yep.\n\nChannel 1: not\n\nChannel 0: Yep.\n\nChannel 1: drinking anymore. You know, I think I'm still young.\n\nChannel 0: That's alright. No. I I hear you. I'm the same. Alright.\n\nSo that's okay. I'll make a note of that. The risks of implementing the income protection is that you're gonna pay more for it, which we've just talked through. We do need to go through the application process again, so there will be a... You will need to complete a application and being the health questions and all that when you applied for your original policy for the increase in that small amount of cover, but any loadings will not be applied to your existing cover.\n\nIt's only the new cover you're taking out now. So we won't be touching the existing because we don't want to put you in a worse\n\nChannel 1: Yep.\n\nChannel 0: off position. That's okay. The next the next nominate... Recommendation is making a beneficiary nomination. We've recommended making it to your estate, and in conjunction with that is establishing a will to make sure that your superannuation is, and your superannuation and life insurance, I should say, is distributed as per your wishes.\n\nIs there any changes you'd like to make to the beneficiary nomination, or you're happy for it to go to your estate? What were your thoughts there?\n\nChannel 1: I'm looking... I am looking to name my son,\n\nChannel 0: Yes?\n\nChannel 1: obviously. And he's 20 now, so he's an adult.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. So\n\nChannel 0: We can definitely nominate him. The... So the only difference between nominating him versus your will, and I'll just explain it very quickly, is about 2% in tax, what it comes down to. So when you nominate an adult child, they're not a financial dependent for superannuation law. So what happens is if they're paid a benefit, they're taxed at 17%.\n\nSo that's 15% plus 2% Medicare that the government will tax the benefits on. If it is paid to your will, it will be 15% only. So you will save... The estate will save on the 2% Medicare. So we can certainly name your son as the beneficiary, but just so you're aware, that's how it will be taxed.\n\nChannel 1: Yeah. Well, everything's taxed anyway. It's just a matter of...\n\nChannel 0: A matter of when. That's right. Isn't it?\n\nChannel 1: Really? So the state is is taxed at 78%, whereas the wheel is at fifty eight\n\nChannel 0: Correct.\n\nChannel 1: percent. Yeah. Okay. So\n\nChannel 0: Yep.\n\nChannel 1: I've got this down. So... But I haven't... Alright. I need to go and get a wheel.\n\nI haven't done that yet. I have to get\n\nChannel 0: That's\n\nChannel 1: that done.\n\nChannel 0: okay.\n\nChannel 1: Let's see.\n\nChannel 0: Did you want me\n\nChannel 1: Should\n\nChannel 0: to have the... Sorry?\n\nChannel 1: I have a trust trust account and j the beneficiary? Would that be better?\n\nChannel 0: It's something you should definitely speak to a solicitor about. They can definitely\n\nChannel 1: Mhmm.\n\nChannel 0: give you advice on that. They're called testamentary trusts.\n\nChannel 1: What am I called?\n\nChannel 0: A testamentary trust. So what that means is the trust is established on your passing. So it doesn't let... It's not existent until your will comes into effect, essentially. And then the the guarantor...\n\nSorry. The guarantor... The executor will set the estate up as per the instructions in the will. So definitely, if you're concerned about any financial vulnerability or questionable decisions or exposure to any creditors or anything like that, a testamentary trust is something you can explore with the advice of a solicitor.\n\nChannel 1: Alright. I might do that. I might go in the arm with mister Luis Rivera and go, okay.\n\nChannel 0: In\n\nChannel 1: Let's\n\nChannel 0: the meantime,\n\nChannel 1: talk.\n\nChannel 0: yeah. Yeah. In the meantime, did you wanna nominate Gabrielle as your\n\nChannel 1: Yes.\n\nChannel 0: beneficiary?\n\nChannel 1: Yep.\n\nChannel 0: Alright. I'm I'm... To make sure the forms are filled out correctly, I'm gonna check all the spelling. Gabrielle is g a b r I e l. Is that correct?\n\nChannel 1: Yep. Yep. Correct.\n\nChannel 0: And and same surname?\n\nChannel 1: Yes. Phone surname.\n\nChannel 0: Lovely.\n\nChannel 1: You need his letter number?\n\nChannel 0: Yes, please.\n\nChannel 1: John, j o h n.\n\nChannel 0: Lovely. And what's his date of birth?\n\nChannel 1: 09/22/2002\n\nChannel 0: Yes.\n\nChannel 1: thousand and\n\nChannel 0: Two thousand and six. Lovely. Thank you for that, Carmen. Alright. I can make sure that is updated.\n\nSo there'll be forms for that also. So do you have a solicitor you can talk to about estate planning?\n\nChannel 1: I will look into one. I don't have one off the top of my head. I'll I'll have to investigate it and have a look.\n\nChannel 0: That's okay. We have someone that we do work with that's quite reasonable. I may have sent it to you following our review because I do offer it to everyone, but what I can do is resend it to you if you like. They can do it over the phone with you as well and talk about those. And I can also include a brochure for a testamentary trust if you like.\n\nChannel 1: Okay. Perfect. That'll be great. You probably have sent it to me, but it's way back up. And so if you send it now, I'll print it out and then\n\nChannel 0: Yeah. That... That's absolutely fine. And then the... One of the last recommendations is a part of that estate planning is to establish a power of attorney, which goes allow somebody to make decisions on your behalf if you're unable to.\n\nChannel 1: Yeah.\n\nChannel 0: What's... Sorry?\n\nChannel 1: That will be somebody different? Yeah.\n\nChannel 0: Yes.\n\nChannel 1: I'm on\n\nChannel 0: Yes.\n\nChannel 1: a floor\n\nChannel 0: It\n\nChannel 1: with\n\nChannel 0: usually\n\nChannel 1: you too.\n\nChannel 0: is. Yeah. So it could be a friend, a a sibling, a relative, or somebody that you trust to make those decisions on your behalf for health and financial decisions if you're unable or incapacitated in any way.\n\nChannel 1: Yeah.\n\nChannel 0: The final parts of this document is ongoing service. So as you know, the ongoing service doesn't change. We'll do conduct our reviews. We're here at any time should you need to seek further advice or have any questions. No changes there.\n\nChannel 1: Thanks.\n\nChannel 0: The important... That's okay. The important information is, you know, that we do conduct our reviews when when they come due to make sure that everything sits right. And remuneration wise, no changes to your superannuation fee. Well, on the next page, that's right slightly higher by a few dollars, but we do get paid commission from the insurance company on policies that I've put in force.\n\nSo if you do proceed with that insure... That increase of income protection, we can be paid up to about $2,500 for that from the insurance company, not from you. The next page just shows the ongoing adviser fee from your super funds and then the ongoing commission that we already received from your existing policies. The next page is just cover off on the authority to proceed, cover off on those headline strategies that we talked through\n\nChannel 1: Mhmm.\n\nChannel 0: and how to implement the advices spoken through following that with a summary of the remuneration again at the top. The page 52, which is the second last page, you'll see that there's a big blank box. That's where we'll get you to type in the parts that you do... Of the advice that you wish to vary. So for example, you mentioned you don't wanna look at the trauma insurance or the salary sacrifice at the moment.\n\nWhat I would ask you to do once you've had the chance to review the document and you're happy to proceed is to write in there what you do not want to proceed with out of the... All the advice and then sign the document. And that gives us then the the clear directions on what to implement for you on your behalf.\n\nChannel 1: So it was an... Oh, I I... Sorry. Because I'm delivering training too, and I'm talking about trauma informed. So when you said trauma, I immediately went to trauma.\n\nIt was a trauma cover, wasn't it?\n\nChannel 0: Yes. That's right. Yeah.\n\nChannel 1: Valerie. Acrify. Is she... I... To revisit.\n\nG. It doesn't have to be Warren Place, does it? It just has to say...\n\nChannel 0: No. Yeah. Just what you what you don't want to... And then, you know, happy to proceed with everything else, for example.\n\nChannel 1: Yeah. Let's not do everything all at once. Let's just... Maybe because just to see how it pans out next... Like, over the next twelve months because I'm not\n\nChannel 0: Yep.\n\nChannel 1: serious with you. I don't have any diseases.\n\nChannel 0: Yep.\n\nChannel 1: I don't have any, you know, nothing majorly wrong. I mean,\n\nChannel 0: Yep.\n\nChannel 1: if blood pressure's managed, then I can come off that. You know, I'm\n\nChannel 0: Yep.\n\nChannel 1: now back at training, so I'm now doing things to... It'd be different if I was just Sydney doing nothing. You know, I'd be like,\n\nChannel 0: Yes.\n\nChannel 1: okay. But\n\nChannel 0: Yeah.\n\nChannel 1: I'm not... I'm back into training and back into... So I'm working on strategies to reduce that.\n\nChannel 0: Yep. Fantastic. Well done. That's really good. There's not a lot of people that proactively manage their health, so fantastic.\n\nThat's really good.\n\nChannel 1: Well, you know, I plan\n\nChannel 0: I\n\nChannel 1: to be around for a long time, and I don't wanna be in a war through another statistics.\n\nChannel 0: understand that.\n\nChannel 1: So... Now... Plan now for the future.\n\nChannel 0: Yeah. That's right.\n\nChannel 1: It's\n\nChannel 0: That's exactly right.\n\nChannel 1: simple things like when I'm 80, I wanna be able to hold my own groceries and walk up a flight of steps without having to stop, catch my breath, or, you know, I wanna be sprightly and agile at that age. I don't have to be like I was in 20, in my twenties\n\nChannel 0: Yeah.\n\nChannel 1: or even my forties, but enough to be able to be independent and\n\nChannel 0: I understand that. And they're they're brilliant\n\nChannel 1: strong.\n\nChannel 0: goals to have. And I don't think people probably think forward that far enough to plan that far ahead. So that's fantastic that you've got those goals set. I\n\nChannel 1: Oh, thank you.\n\nChannel 0: think it's great. Given me food for thought too. And the final page of that is the adviser declaration. So that's just me saying that I am authorized to provide advice on the products I've given you. I've given you a financial services guide, which we I gave in our last review meeting.\n\nI've given you the product disclosure statements, which are in this lovely document... Attached to this lovely document that you've received. And then the next document over is the appendix to the statement of of advice. So that that is running through that. There's a risk profile page.\n\nSo that will go... It shows you the different types of risk profile. You're down the middle there as a growth investor, and it just shows you the typical typical allocation would have to different sectors.\n\nChannel 1: I\n\nChannel 0: The...\n\nChannel 1: can't\n\nChannel 0: This...\n\nChannel 1: see that. Page 53. Do I have to hit the next button?\n\nChannel 0: Oh, yes. Sorry. Yes. Hit the next button. Sorry.\n\nThat's my mistake there.\n\nChannel 1: Oh, no. It's asking me to sign now before I can go there.\n\nChannel 0: You shouldn't have to. If you just try hitting next\n\nChannel 1: Yep. Now it's taking me back to the signature.\n\nChannel 0: again. Yeah. It shouldn't do that. I wonder if it's how it's been set. Did you want me to just talk through the appendix?\n\nIt's basically just factual information. Nothing specific like the document we've actually talked through. I'm just trying to think the best way to navigate that, and and it won't let you at all. Okay. Let me jump in in the background.\n\nLet's see.\n\nChannel 1: Yeah.\n\nChannel 0: No. It won't let me change it. I might just explain it. Is that okay? And what...\n\nI mean, if... I don't want you to sign the statement of advice because you haven't had the chance to read it in full and understand it and come back with any questions that you could possibly have. So I'll just talk through the appendix. It's a generalized table that talks through the risk profile, so it will show you the difference between a balanced, balanced growth, growth, high growth, and aggressive investor. And they've all got different allocations that we typically invest in to the growth and defensive portfolio, but then it breaks it down further to the Australian shares, international share markets, and so on.\n\nThe important information and relationship part of this document is the same for everybody. It is general notifications that the contents of the SOA is based on the information that you have provided to me, and I've taken all reasonable steps to ensure that it's correct. The advice is solely prepared for you as it is specific to your personal situation. So showing it with a friend, for example, wouldn't be beneficial to them because it's not based on their personal situation. The currency of the SOEs, SOA means that the advice and the document is valid for sixty days.\n\nAfter sixty days, we just need to restart the process again. And the reason for that is that client situations can change within a sixty day period. So we do make sure that we revisit to make sure all the information is updated and corrected, and we do start the process again. The no product guarantee, so we can't guarantee investment markets will do what we want them to do. I wish.\n\nSo it's it's just saying that historical performance, again, is not a a forecast of future performance. Projections, we've done those based on conservative figures. They're not forecast. They're just they are forecast, and they... They're not forecast, and they shouldn't be relied on forecast...\n\nAs forecast. They're simply projections based on conservative figures to help clients understand what they're working towards. In there is some links in the appendix to the investment options. So you know how I talked you through. We're changing some of the underlying investment options in your hub twenty four account.\n\nChannel 1: Yeah.\n\nChannel 0: The links to those in actual investment funds are in that document.\n\nChannel 1: Will I be getting\n\nChannel 0: And\n\nChannel 1: a\n\nChannel 0: then...\n\nChannel 1: new... One with those, like, those attachments to it? Will you be\n\nChannel 0: Sorry.\n\nChannel 1: sending...\n\nChannel 0: We\n\nChannel 1: Did you know how I can't I can't get into what you're... You know, after the... What you're talking about now.\n\nChannel 0: yep.\n\nChannel 1: I can't get into that because then it won't allow me to go any further. But will\n\nChannel 0: Yep.\n\nChannel 1: you be\n\nChannel 0: So,\n\nChannel 1: document with all that stuff in\n\nChannel 0: yeah, I\n\nChannel 1: it?\n\nChannel 0: can send you this post down meeting. I'll just add it to an email as a PDF for you.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Yep. That's okay. It also just explains your investment return. So in the document where I talked through what you can expect your super balance to be, this one's pretty important, and I'll reference it in the email to you. It just shows you those projected returns and fees with no salary sacrifice option.\n\nSo that's the... Those are the returns and the fees that you can expect to see because we're not gonna proceed with the salary sacrifice at the moment.\n\nChannel 1: Yes.\n\nChannel 0: So I'll I'll outline that in the email. And then it... I did consider other insurance companies. So there's a couple of other insurance companies in there for trauma insurance. They were discounted because their loadings were higher than what TAO was offering.\n\nAnd then the same as always, there is an information piece at the end of that document that explains life insurance that's held through super and how that works. And then on the back of that is the PDF for the Cal insurance income protection is the updated PDF. So that's all those documents. I'm gonna put that appendix and the PDF on an email for you so you have that to review. And what I would ask is read through that document.\n\nIf you have any questions before you sign, please reach out whether it be email or a phone call. I'll make the time to run through any questions that you have before you are happy to proceed.\n\nChannel 1: Okay. Alright. So should I wait? Or... I'll wait till I get those documents before I sign in.\n\nChannel 0: Yeah. That's absolutely fine. I just... I'd I'd like to make sure that any information... Any...\n\nLike, that you're... You have informed consent so you understand\n\nChannel 1: Yes.\n\nChannel 0: exactly what it is that we're doing and the purpose and everything. So I'm gonna pop those on an email to you now, and you should have those momentarily.\n\nChannel 1: Perfect. Okay. And then I'll go back into this document and then once I've read them and find it. And then I'll come through to you automatically. Yeah?\n\nChannel 0: Yeah. Yeah. So then following that, what will happen is members of our team will reach out to you of our implementation team to fill out the... You'll receive beneficiary forms to update the beneficiary to, Gabrielle, and, a member of our team will reach out to you to start the, application process to increase the insurance premium... Oh, the income protection policy.\n\nChannel 1: Yes. Sorry. Just write this down.\n\nChannel 0: That's okay. And, actually, while I've got you, let me double check to make sure the ID we have on you on file has not expired. It has. So can I also ask? I'll put in an email as well.\n\nIf you can just take a photo of the front and back of your driver's license and send that back to me. Sure. And, additionally, what I'm gonna send you is a link separate to the email you're gonna get from me now. I'll send it within the next hour. I...\n\nIt'll be a link from the f... It'll say f triple a safe ID. What that does is we're required by law to make sure that people are estranged citizens, residency for tax purposes, whether they're politically exposed people, all those types of things. And this service being the f triple a, which is the Financial Advice Association of Australia, offers this service to us. We pay for it, and it's just you completing your details.\n\nIt runs a check-in the background against all the government databases and gives us an answer so that we can make sure that we've fulfilled our obligations in relation to our legislative requirements as an advice... As an... A financial advice firm. So if I can... I'll send that to you just so you...\n\nWhen you receive it, you know that it's not spam, and I'll mention it in the email as well just so you know it's not. Beautiful. Alright, Carmen. Well, again, any questions that you have once you have gone through it, please reach out. Okay?\n\nChannel 1: Okay. Okay. Thank you.\n\nChannel 0: Thanks, Carmen. Enjoy your afternoon.\n\nChannel 1: You too. See you later.\n\nChannel 0: Bye.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.013710304163396358}],"sentiment":"neutral","sentiment_score":0.013710304163396358,"channel":1,"num_words":1,"start":1.28,"end":1.78},{"sentences":[{"text":"Hi.","start":2.8799999,"end":3.28,"sentiment":"neutral","sentiment_score":0.026034973561763763},{"text":"Is this Carmen?","start":3.28,"end":4.26,"sentiment":"neutral","sentiment_score":0.027171432971954346}],"sentiment":"neutral","sentiment_score":0.0268873181194067,"channel":0,"num_words":4,"start":2.8799999,"end":4.26},{"sentences":[{"text":"Yes.","start":4.72,"end":5.04,"sentiment":"neutral","sentiment_score":0.13031665980815887},{"text":"It is.","start":5.04,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.1373295933008194}],"sentiment":"neutral","sentiment_score":0.1349919488032659,"channel":1,"num_words":3,"start":4.72,"end":5.7799997},{"sentences":[{"text":"Carmen, it's Jenna here phoning from Oakview Financial.","start":6.24,"end":8.98,"sentiment":"neutral","sentiment_score":0.1568495500832796},{"text":"How are you today?","start":9.04,"end":10.099999,"sentiment":"neutral","sentiment_score":0.19559184834361076}],"sentiment":"neutral","sentiment_score":0.16976364950338999,"channel":0,"num_words":12,"start":6.24,"end":10.099999},{"sentences":[{"text":"I'm good.","start":10.559999,"end":11.2,"sentiment":"positive","sentiment_score":0.4785430133342743},{"text":"Thank you.","start":11.2,"end":11.679999,"sentiment":"positive","sentiment_score":0.5828790664672852},{"text":"How are you?","start":11.679999,"end":12.5,"sentiment":"neutral","sentiment_score":0.32914605736732483}],"sentiment":"positive","sentiment_score":0.44432604738644194,"channel":1,"num_words":7,"start":10.559999,"end":12.5},{"sentences":[{"text":"I am good.","start":12.934999,"end":13.815,"sentiment":"positive","sentiment_score":0.4420291682084401},{"text":"Thank you.","start":13.815,"end":14.554999,"sentiment":"positive","sentiment_score":0.47516125440597534},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":15.014999,"end":21.035,"sentiment":"neutral","sentiment_score":0.052116174088871994},{"text":"Is that okay?","start":21.095,"end":21.994999,"sentiment":"neutral","sentiment_score":0.061964438607295357}],"sentiment":"neutral","sentiment_score":0.11809597849365204,"channel":0,"num_words":31,"start":12.934999,"end":21.994999},{"sentences":[{"text":"That's fine.","start":22.205,"end":23.105,"sentiment":"neutral","sentiment_score":0.1684473529458046},{"text":"Fine.","start":23.725,"end":24.225,"sentiment":"neutral","sentiment_score":0.24216818809509277}],"sentiment":"neutral","sentiment_score":0.19302096466223398,"channel":1,"num_words":3,"start":22.205,"end":24.225},{"sentences":[{"text":"Fantastic.","start":23.814999,"end":24.314999,"sentiment":"positive","sentiment_score":0.4271932542324066},{"text":"And, Carmen, can I please ask you to confirm your client 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retirement?","start":454.525,"end":455.745,"sentiment":"neutral","sentiment_score":-0.008924335706979036}],"sentiment":"neutral","sentiment_score":-0.008924335706979036,"channel":1,"num_words":4,"start":454.525,"end":455.745},{"sentences":[{"text":"Yes.","start":456.91998,"end":457.31998,"sentiment":"neutral","sentiment_score":0.05376354604959488},{"text":"Exactly.","start":457.31998,"end":457.81998,"sentiment":"neutral","sentiment_score":0.08913352340459824}],"sentiment":"neutral","sentiment_score":0.07144853472709656,"channel":0,"num_words":2,"start":456.91998,"end":457.81998},{"sentences":[{"text":"Yeah.","start":457.405,"end":457.645,"sentiment":"neutral","sentiment_score":0.08718068152666092},{"text":"They're gonna be so.","start":457.645,"end":458.785,"sentiment":"neutral","sentiment_score":0.1122897993773222}],"sentiment":"neutral","sentiment_score":0.10726797580718994,"channel":1,"num_words":5,"start":457.405,"end":458.785},{"sentences":[{"text":"Fantastic.","start":460.665,"end":461.165,"sentiment":"positive","sentiment_score":0.46534281969070435},{"text":"Okay.","start":461.545,"end":462.045,"sentiment":"neutral","sentiment_score":0.11360152810811996},{"text":"The next section is where we're gonna talk about the actual strategy.","start":462.505,"end":465.785,"sentiment":"neutral","sentiment_score":0.046225911316772304},{"text":"So this is where the crux of it...","start":465.785,"end":468.345,"sentiment":"neutral","sentiment_score":0.011851379880681634},{"text":"Of the actual advice live.","start":468.345,"end":470.82,"sentiment":"neutral","sentiment_score":-0.029198167473077775}],"sentiment":"neutral","sentiment_score":0.04009168464000578,"channel":0,"num_words":27,"start":460.665,"end":470.82},{"sentences":[{"text":"The first recommendation on page 13 is that PSS will be retained due to...","start":472.02002,"end":478.58002,"sentiment":"neutral","sentiment_score":-0.016922890075615475},{"text":"In its own form in...","start":478.58002,"end":479.86002,"sentiment":"neutral","sentiment_score":-0.026553270965814592},{"text":"Due to, you know, the limitations and restrictions of the scheme itself.","start":479.86002,"end":484.12,"sentiment":"neutral","sentiment_score":-0.2223391185204188},{"text":"So that will continue to sit where it is and not be touched until there comes time that you meet a condition of release.","start":485.38498,"end":492.76498,"sentiment":"neutral","sentiment_score":-0.09037832853694756},{"text":"But in relation to your Hub twenty four superannuation fund, the one that we manage on your behalf, we have reviewed the investment options which I talked to you about.","start":493.625,"end":506.74,"sentiment":"neutral","sentiment_score":-0.015187316449979942}],"sentiment":"neutral","sentiment_score":-0.06661712490022183,"channel":0,"num_words":85,"start":472.02002,"end":506.74},{"sentences":[{"text":"And I've actually recommended not only replacing those underperforming investments being the ban along and the phasing out of the hybrid options, but I've recommended a little bit of a restructure of your portfolio.","start":507.28,"end":521.375,"sentiment":"neutral","sentiment_score":-0.05391190543784486},{"text":"And what...","start":524.79,"end":526.17,"sentiment":"neutral","sentiment_score":-0.016195757314562798},{"text":"In considering that, what I've also considered is any potential CGT implications that are internal to the fund, not you personally.","start":526.70996,"end":534.17,"sentiment":"neutral","sentiment_score":-0.12095115635366667}],"sentiment":"neutral","sentiment_score":-0.0772872032095237,"channel":0,"num_words":57,"start":507.28,"end":534.17},{"sentences":[{"text":"Mhmm.","start":534.685,"end":535.185,"sentiment":"neutral","sentiment_score":-0.06991846114397049}],"sentiment":"neutral","sentiment_score":-0.06991846114397049,"channel":1,"num_words":1,"start":534.685,"end":535.185},{"sentences":[{"text":"And based on all those things that I considered, which is within this document, being eleven years away from retirement, the preliminary modeling does show us that it's gonna have a greater outcome, which I'll cover off in a couple of more pages.","start":535.83,"end":552.005,"sentiment":"neutral","sentiment_score":-0.07842374774952267},{"text":"The recommended portfolio does use lower cost investments with strong and consistent consistent performance 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it?","start":621.03,"end":623.37006,"sentiment":"neutral","sentiment_score":-0.0783893455352102}],"sentiment":"neutral","sentiment_score":-0.0783893455352102,"channel":1,"num_words":7,"start":621.03,"end":623.37006},{"sentences":[{"text":"It's only a one off.","start":623.81995,"end":624.94,"sentiment":"neutral","sentiment_score":-0.11080404072999954},{"text":"So it's a capital gains tax.","start":624.94,"end":626.595,"sentiment":"neutral","sentiment_score":-0.2001158855855465},{"text":"So because the portfolio has made a gain, even with that...","start":626.675,"end":631.33496,"sentiment":"neutral","sentiment_score":-0.04708056219599464},{"text":"The underperforming better long fund, what I've recommended you switch into does realize a little bit of a capital gain.","start":632.035,"end":639.15497,"sentiment":"neutral","sentiment_score":-0.04573091771453619},{"text":"So it's not an ongoing annual 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off,","start":641.795,"end":642.54,"sentiment":"neutral","sentiment_score":-0.009744266048073769}],"sentiment":"neutral","sentiment_score":-0.009744266048073769,"channel":0,"num_words":3,"start":641.795,"end":642.54},{"sentences":[{"text":"Yep.","start":642.81995,"end":643.31995,"sentiment":"neutral","sentiment_score":0.006129333283752203}],"sentiment":"neutral","sentiment_score":0.006129333283752203,"channel":1,"num_words":1,"start":642.81995,"end":643.31995},{"sentences":[{"text":"and it's $55.03.","start":643.01996,"end":645.51996,"sentiment":"neutral","sentiment_score":-0.014423706258336702},{"text":"Does that make 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time.","start":721.82495,"end":729.58496,"sentiment":"neutral","sentiment_score":-0.10814592484384775},{"text":"So there is a a little bit chance there of missing out on potential gains.","start":729.58496,"end":735.66003,"sentiment":"neutral","sentiment_score":-0.180386421084404},{"text":"Any questions there?","start":738.44,"end":739.74,"sentiment":"neutral","sentiment_score":-0.08459186802307765}],"sentiment":"neutral","sentiment_score":-0.1521486685072121,"channel":0,"num_words":57,"start":713.11,"end":739.74},{"sentences":[{"text":"No.","start":740.15,"end":740.63,"sentiment":"neutral","sentiment_score":-0.24026837944984436},{"text":"But, I mean, that'll be determined upon the market, won't 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anyway because those fees don't change.","start":774.015,"end":777.85504,"sentiment":"neutral","sentiment_score":0.12066983866194884},{"text":"They'll be the same for you this estimated coming twelve months they're based on.","start":777.85504,"end":783.79504,"sentiment":"neutral","sentiment_score":0.1746079112802233},{"text":"But you'll see the hub ones are the ones that I wanna focus on.","start":784.655,"end":788.03503,"sentiment":"neutral","sentiment_score":0.10499193519353867}],"sentiment":"neutral","sentiment_score":0.12452500216806164,"channel":0,"num_words":52,"start":767.43,"end":788.03503},{"sentences":[{"text":"Mhmm.","start":788.1,"end":788.6,"sentiment":"neutral","sentiment_score":0.059767480939626694}],"sentiment":"neutral","sentiment_score":0.059767480939626694,"channel":1,"num_words":1,"start":788.1,"end":788.6},{"sentences":[{"text":"So the second line being the investment fee, you're gonna have a $467 saving per annum on the investment 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portfolio.","start":904.26,"end":906.04004,"sentiment":"neutral","sentiment_score":0.03810279443860054},{"text":"So we just use the conservative figures there.","start":906.58,"end":909.8,"sentiment":"neutral","sentiment_score":0.04301639087498188},{"text":"So...","start":910.9,"end":911.3,"sentiment":"neutral","sentiment_score":0.025359798222780228},{"text":"And any projections there, we've just used the PSS historical returns to include.","start":911.3,"end":918.16504,"sentiment":"neutral","sentiment_score":0.1041616232922444},{"text":"So you can kinda see the whole picture rather than just part of it.","start":918.625,"end":922.24506,"sentiment":"neutral","sentiment_score":0.16415804837431228}],"sentiment":"neutral","sentiment_score":0.10605418175840989,"channel":0,"num_words":39,"start":904.26,"end":922.24506},{"sentences":[{"text":"I need to make more, though, won't I?","start":924.32495,"end":926.185,"sentiment":"neutral","sentiment_score":-0.1568377260118723}],"sentiment":"neutral","sentiment_score":-0.1568377260118723,"channel":1,"num_words":8,"start":924.32495,"end":926.185},{"sentences":[{"text":"Sorry.","start":926.72,"end":927.22,"sentiment":"neutral","sentiment_score":-0.1671963632106781}],"sentiment":"neutral","sentiment_score":-0.1671963632106781,"channel":0,"num_words":1,"start":926.72,"end":927.22},{"sentences":[{"text":"I still need to make more, though, won't I?","start":927.76495,"end":930.02496,"sentiment":"neutral","sentiment_score":-0.17718206925524604}],"sentiment":"neutral","sentiment_score":-0.17718206925524604,"channel":1,"num_words":9,"start":927.76495,"end":930.02496},{"sentences":[{"text":"That really comes down to...","start":931.68,"end":933.86,"sentiment":"neutral","sentiment_score":-0.0413850374519825},{"text":"I think a little bit further on, we'll cover off on the 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okay?","start":955.04004,"end":956.66003,"sentiment":"neutral","sentiment_score":0.08878858387470245}],"sentiment":"neutral","sentiment_score":0.1189454326629114,"channel":0,"num_words":71,"start":931.68,"end":956.66003},{"sentences":[{"text":"Yes.","start":956.275,"end":956.675,"sentiment":"neutral","sentiment_score":0.1681399941444397},{"text":"Yeah.","start":956.675,"end":956.995,"sentiment":"neutral","sentiment_score":0.22404594719409943},{"text":"That's 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where with the market movement, so being out of the market that we talked about potentially timing risks, for example.","start":964.16003,"end":975.875,"sentiment":"neutral","sentiment_score":0.028964693173766137},{"text":"So that Bennelong Australian Equities one, that's the underperforming one that we're getting out of.","start":976.33496,"end":980.915,"sentiment":"neutral","sentiment_score":-0.029400135142107806},{"text":"So that's that top one there.","start":981.855,"end":985.04,"sentiment":"neutral","sentiment_score":0.08372443541884422}],"sentiment":"neutral","sentiment_score":0.05177878224532361,"channel":0,"num_words":54,"start":959.04004,"end":985.04},{"sentences":[{"text":"Mhmm.","start":985.22504,"end":985.68,"sentiment":"neutral","sentiment_score":0.009557900950312614}],"sentiment":"neutral","sentiment_score":0.009557900950312614,"channel":1,"num_words":1,"start":985.22504,"end":985.68},{"sentences":[{"text":"We're also going to remove the Global Battery Tech and 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know?","start":1004.975,"end":1005.63495,"sentiment":"neutral","sentiment_score":-0.037432240322232246}],"sentiment":"neutral","sentiment_score":-0.024536350183188914,"channel":1,"num_words":10,"start":1002.815,"end":1005.63495},{"sentences":[{"text":"Sorry?","start":1006.235,"end":1006.735,"sentiment":"neutral","sentiment_score":-0.05049982666969299}],"sentiment":"neutral","sentiment_score":-0.05049982666969299,"channel":0,"num_words":1,"start":1006.235,"end":1006.735},{"sentences":[{"text":"They're big amounts, like, 35,000, 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those.","start":1011.99,"end":1014.31,"sentiment":"neutral","sentiment_score":-0.02099015563726425},{"text":"So the way the portfolio is structured, there's two different types.","start":1014.31,"end":1018.95,"sentiment":"neutral","sentiment_score":0.040576115758581596},{"text":"If you think about your core your core being your big holding ones, so that will be your Australian shares exposure, your international share exposure.","start":1018.95,"end":1034.025,"sentiment":"neutral","sentiment_score":0.04271443895995617}],"sentiment":"neutral","sentiment_score":0.03246056373146447,"channel":0,"num_words":44,"start":1010.31,"end":1034.025},{"sentences":[{"text":"So they're the core of your portfolio, basically.","start":1034.165,"end":1036.985,"sentiment":"neutral","sentiment_score":0.08558597811497748},{"text":"And then we have satellite investments that float around those, and they're designed to provide additional exposure to different growth aspects of the market in niche 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diversification.","start":1170.8049,"end":1183.9401,"sentiment":"neutral","sentiment_score":0.19826311791936557},{"text":"The same with the cybersecurity that's below, reducing your exposure a little bit back down to 5%.","start":1184.88,"end":1191.86,"sentiment":"neutral","sentiment_score":0.048461900476147145},{"text":"Again, it's a...","start":1192.56,"end":1194.08,"sentiment":"neutral","sentiment_score":0.002762680873274803},{"text":"That's a gross...","start":1194.08,"end":1195.06,"sentiment":"neutral","sentiment_score":-0.03885326782862345},{"text":"It falls within our gross portfolio, but it's a really niche sector.","start":1195.76,"end":1200.975,"sentiment":"neutral","sentiment_score":-0.015106894075870514}],"sentiment":"neutral","sentiment_score":0.09972602085998425,"channel":0,"num_words":65,"start":1170.8049,"end":1200.975},{"sentences":[{"text":"So cybersecurity is 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there.","start":1327.83,"end":1328.8899,"sentiment":"neutral","sentiment_score":-0.02501264400780201},{"text":"But","start":1330.3049,"end":1330.7849,"sentiment":"neutral","sentiment_score":-0.025434991344809532}],"sentiment":"neutral","sentiment_score":-0.025775875120113294,"channel":1,"num_words":6,"start":1326.3899,"end":1330.7849},{"sentences":[{"text":"Yep.","start":1330.63,"end":1331.13,"sentiment":"neutral","sentiment_score":-0.01530536822974682}],"sentiment":"neutral","sentiment_score":-0.01530536822974682,"channel":0,"num_words":1,"start":1330.63,"end":1331.13},{"sentences":[{"text":"may...","start":1330.7849,"end":1331.105,"sentiment":"neutral","sentiment_score":-0.011267476715147495},{"text":"So these these iShares Europe, Japan, and Vanguard will go into the defensive or the call part.","start":1331.105,"end":1337.9249,"sentiment":"neutral","sentiment_score":0.006267639150952592}],"sentiment":"neutral","sentiment_score":0.005293466047280365,"channel":1,"num_words":18,"start":1330.7849,"end":1337.9249},{"sentences":[{"text":"They're your...","start":1337.5751,"end":1338.635,"sentiment":"neutral","sentiment_score":-0.0027884632982022595},{"text":"Well, they're your gross still, your gross part of the portfolio.","start":1338.6951,"end":1343.115,"sentiment":"neutral","sentiment_score":0.007241056046702645},{"text":"So still in the shares, property, etcetera, but they're the smaller allocation.","start":1343.175,"end":1348.2351,"sentiment":"neutral","sentiment_score":0.028984745033085346},{"text":"So you've got your 8%, 5%, and 8%.","start":1348.4551,"end":1351.515,"sentiment":"neutral","sentiment_score":0.06972445407882333},{"text":"So they're gonna float around your major holding within the iShares S and P five hundred.","start":1351.73,"end":1359.1901,"sentiment":"neutral","sentiment_score":0.04228705051355064}],"sentiment":"neutral","sentiment_score":0.033801634105341746,"channel":0,"num_words":49,"start":1337.5751,"end":1359.1901},{"sentences":[{"text":"So that's your in...","start":1359.41,"end":1360.61,"sentiment":"neutral","sentiment_score":0.018029084894806147},{"text":"Yeah.","start":1360.61,"end":1360.85,"sentiment":"neutral","sentiment_score":0.016427168622612953},{"text":"That's your American share market, essentially.","start":1360.85,"end":1363.03,"sentiment":"neutral","sentiment_score":-0.018158256231496733},{"text":"So a lot of our growth in portfolios, realistically, is the American share market where the big companies predominantly, let's call it, live.","start":1363.73,"end":1376.355,"sentiment":"neutral","sentiment_score":0.11146577156108359},{"text":"The Australian share market is quite concentrated to just Australia.","start":1377.375,"end":1381.95,"sentiment":"neutral","sentiment_score":0.11742938533425332}],"sentiment":"neutral","sentiment_score":0.08449092204682529,"channel":0,"num_words":44,"start":1359.41,"end":1381.95},{"sentences":[{"text":"We've got some great companies within there being the financials and the resources.","start":1381.95,"end":1385.57,"sentiment":"positive","sentiment_score":0.47057098379501927},{"text":"But with the American share market, we have a lot more diversification abilities there.","start":1386.11,"end":1392.13,"sentiment":"neutral","sentiment_score":0.25213123857975006},{"text":"Lots of different, you know, companies, health care, financials as well.","start":1392.35,"end":1398.655,"sentiment":"neutral","sentiment_score":0.16169035028327594},{"text":"You've got your tech.","start":1399.275,"end":1400.155,"sentiment":"neutral","sentiment_score":0.12948157638311386},{"text":"You've got everything.","start":1400.155,"end":1401.215,"sentiment":"neutral","sentiment_score":0.11589131752649943}],"sentiment":"neutral","sentiment_score":0.2731434275706609,"channel":0,"num_words":45,"start":1381.95,"end":1401.215},{"sentences":[{"text":"Whereas Europe is a...","start":1401.675,"end":1403.915,"sentiment":"neutral","sentiment_score":0.014596818364225328},{"text":"They...","start":1403.915,"end":1404.415,"sentiment":"neutral","sentiment_score":0.0042005120776593685},{"text":"Each each economy behaves a little bit differently depending on what's happening in the the world at any given time.","start":1404.955,"end":1413.77,"sentiment":"neutral","sentiment_score":-0.01722668493166566},{"text":"So your iShares Europe, iShares Japan, and your Vanguard All World, they're still the gross investments being your shares, but they're more satellite.","start":1414.71,"end":1425.4249,"sentiment":"neutral","sentiment_score":0.021981403069651646},{"text":"So they're...","start":1425.565,"end":1426.3049,"sentiment":"neutral","sentiment_score":-0.006038657855242491}],"sentiment":"neutral","sentiment_score":0.004230980835855007,"channel":0,"num_words":50,"start":1401.675,"end":1426.3049},{"sentences":[{"text":"They'll float around basically, and they may act differently to the American market should a global event happen.","start":1426.365,"end":1435.725,"sentiment":"neutral","sentiment_score":-0.04933583881292078},{"text":"So their behavior does depend on what's happening in the in the world and what the events","start":1435.725,"end":1440.3201,"sentiment":"neutral","sentiment_score":-0.010674757554250605}],"sentiment":"neutral","sentiment_score":-0.030557599344423838,"channel":0,"num_words":35,"start":1426.365,"end":1440.3201},{"sentences":[{"text":"Yep.","start":1439.985,"end":1440.485,"sentiment":"neutral","sentiment_score":0.037607789039611816}],"sentiment":"neutral","sentiment_score":0.037607789039611816,"channel":1,"num_words":1,"start":1439.985,"end":1440.485},{"sentences":[{"text":"are at that time.","start":1440.3201,"end":1441.38,"sentiment":"neutral","sentiment_score":0.02972005633637309}],"sentiment":"neutral","sentiment_score":0.02972005633637309,"channel":0,"num_words":4,"start":1440.3201,"end":1441.38},{"sentences":[{"text":"Okay.","start":1445.17,"end":1445.67,"sentiment":"neutral","sentiment_score":0.06809838861227036}],"sentiment":"neutral","sentiment_score":0.06809838861227036,"channel":1,"num_words":1,"start":1445.17,"end":1445.67},{"sentences":[{"text":"Any questions about that so far?","start":1445.3601,"end":1447.3,"sentiment":"neutral","sentiment_score":0.05898651791115602}],"sentiment":"neutral","sentiment_score":0.05898651791115602,"channel":0,"num_words":6,"start":1445.3601,"end":1447.3},{"sentences":[{"text":"No.","start":1447.25,"end":1447.57,"sentiment":"neutral","sentiment_score":-0.11174898594617844},{"text":"No.","start":1447.57,"end":1447.8099,"sentiment":"neutral","sentiment_score":-0.07580510526895523},{"text":"That's cool.","start":1447.8099,"end":1448.45,"sentiment":"neutral","sentiment_score":0.20318200439214706}],"sentiment":"neutral","sentiment_score":0.054702479392290115,"channel":1,"num_words":4,"start":1447.25,"end":1448.45},{"sentences":[{"text":"Yep.","start":1448.4,"end":1448.9,"sentiment":"positive","sentiment_score":0.37597984075546265}],"sentiment":"positive","sentiment_score":0.37597984075546265,"channel":0,"num_words":1,"start":1448.4,"end":1448.9},{"sentences":[{"text":"I mean, we're we're having a diverse footprint, so that's good.","start":1448.45,"end":1452.39,"sentiment":"positive","sentiment_score":0.4223045923493125}],"sentiment":"positive","sentiment_score":0.4223045923493125,"channel":1,"num_words":11,"start":1448.45,"end":1452.39},{"sentences":[{"text":"Yes.","start":1452.3201,"end":1452.795,"sentiment":"neutral","sentiment_score":0.18839924037456512},{"text":"That's...","start":1453.035,"end":1453.535,"sentiment":"neutral","sentiment_score":0.1156381368637085}],"sentiment":"neutral","sentiment_score":0.1520186886191368,"channel":0,"num_words":2,"start":1452.3201,"end":1453.535},{"sentences":[{"text":"You know?","start":1453.17,"end":1453.91,"sentiment":"neutral","sentiment_score":0.0662598330527544}],"sentiment":"neutral","sentiment_score":0.0662598330527544,"channel":1,"num_words":2,"start":1453.17,"end":1453.91},{"sentences":[{"text":"Well, yeah.","start":1453.5951,"end":1454.415,"sentiment":"neutral","sentiment_score":0.16248011589050293},{"text":"That's always the aim.","start":1454.4751,"end":1455.935,"sentiment":"neutral","sentiment_score":0.26134591549634933}],"sentiment":"neutral","sentiment_score":0.2283906489610672,"channel":0,"num_words":6,"start":1453.5951,"end":1455.935},{"sentences":[{"text":"Yeah.","start":1456.725,"end":1457.225,"sentiment":"neutral","sentiment_score":0.14944446086883545}],"sentiment":"neutral","sentiment_score":0.14944446086883545,"channel":1,"num_words":1,"start":1456.725,"end":1457.225},{"sentences":[{"text":"Yep.","start":1458.155,"end":1458.655,"sentiment":"neutral","sentiment_score":0.10749170184135436}],"sentiment":"neutral","sentiment_score":0.10749170184135436,"channel":0,"num_words":1,"start":1458.155,"end":1458.655},{"sentences":[{"text":"Yep.","start":1458.325,"end":1458.825,"sentiment":"neutral","sentiment_score":0.07130730897188187}],"sentiment":"neutral","sentiment_score":0.07130730897188187,"channel":1,"num_words":1,"start":1458.325,"end":1458.825},{"sentences":[{"text":"The next cup...","start":1461.1951,"end":1462.235,"sentiment":"neutral","sentiment_score":0.022612061972419422},{"text":"Two pages are your asset allocation.","start":1462.235,"end":1465.135,"sentiment":"neutral","sentiment_score":0.01255950719739},{"text":"So I've...","start":1465.3551,"end":1466.235,"sentiment":"neutral","sentiment_score":0.005519222468137741},{"text":"We've included two here.","start":1466.235,"end":1467.775,"sentiment":"neutral","sentiment_score":0.029378443025052547},{"text":"The first one excludes your PSS scheme.","start":1468.11,"end":1471.01,"sentiment":"neutral","sentiment_score":-0.01521134509571961}],"sentiment":"neutral","sentiment_score":0.007512092294002121,"channel":0,"num_words":22,"start":1461.1951,"end":1471.01},{"sentences":[{"text":"So what this looks at is just your funds held in hub twenty four.","start":1471.3099,"end":1476.29,"sentiment":"neutral","sentiment_score":0.05539752835673945},{"text":"So you'll see as a growth investor, we typically wanna see 80% of your funds invested in growth assets and 20 in defensive assets.","start":1477.15,"end":1487.985,"sentiment":"neutral","sentiment_score":0.12361228155593078},{"text":"What my recommendation is is that you're gonna have approximately just shy of 85% in growth assets and just over 15% in defensive assets.","start":1488.525,"end":1499.8201,"sentiment":"neutral","sentiment_score":0.1889675116787354},{"text":"That figure will fluctuate and won't sit stagnant depending on what's going on with the market.","start":1500.36,"end":1507.0801,"sentiment":"neutral","sentiment_score":0.1398546709679067},{"text":"So for example, if the share market takes a massive hike, that percentage figure is gonna increase because the growth of your portfolio for those investments has increased as well.","start":1507.0801,"end":1519.4851,"sentiment":"neutral","sentiment_score":0.227570365400364}],"sentiment":"neutral","sentiment_score":0.16057653826040527,"channel":0,"num_words":108,"start":1471.3099,"end":1519.4851},{"sentences":[{"text":"So that's why it's important also to make sure we do keep up to date with the regular reviews to make sure that we are tracking towards your risk appetite being a growth investor.","start":1519.4851,"end":1531.86,"sentiment":"neutral","sentiment_score":0.2544903816545711},{"text":"The next table include...","start":1534.3201,"end":1536.3401,"sentiment":"neutral","sentiment_score":0.07929534651339054},{"text":"I've included it showing your PSS scheme.","start":1536.56,"end":1539.4149,"sentiment":"neutral","sentiment_score":0.09529476506369454},{"text":"So your accumulation and defined benefit and HUB 24 altogether.","start":1539.635,"end":1544.455,"sentiment":"neutral","sentiment_score":0.058906519412994386},{"text":"So you'll see the gross total sits at the...","start":1545.395,"end":1550.195,"sentiment":"neutral","sentiment_score":0.03583165496173832}],"sentiment":"neutral","sentiment_score":0.1648198094771942,"channel":0,"num_words":64,"start":1519.4851,"end":1550.195},{"sentences":[{"text":"In the proposed column, the third one over, sits at about 74...","start":1550.195,"end":1554.64,"sentiment":"neutral","sentiment_score":0.011016554936456183},{"text":"Or let's call it 75% with your defensive sitting at about 25%.","start":1555.82,"end":1562.16,"sentiment":"neutral","sentiment_score":0.022883445179710787},{"text":"The reason why you're underweight and gross as a total, including your PSS scheme in relation to your risk profile of 8020% is that the PSS accumulation and defined benefit, they have less gross orientated investment.","start":1562.78,"end":1583.3999,"sentiment":"neutral","sentiment_score":-0.19193071871995926},{"text":"So their portfolios are structured differently.","start":1584.1799,"end":1586.6,"sentiment":"neutral","sentiment_score":-0.1568556788067023},{"text":"And being","start":1586.98,"end":1587.46,"sentiment":"neutral","sentiment_score":-0.023481816053390503}],"sentiment":"neutral","sentiment_score":-0.11015887613928713,"channel":0,"num_words":68,"start":1550.195,"end":1587.46},{"sentences":[{"text":"Yes.","start":1587.3151,"end":1587.8151,"sentiment":"neutral","sentiment_score":0.008957311511039734}],"sentiment":"neutral","sentiment_score":0.008957311511039734,"channel":1,"num_words":1,"start":1587.3151,"end":1587.8151},{"sentences":[{"text":"that the the defined benefit part of it isn't invested, so that does heighten the defensive part of the portfolio.","start":1587.46,"end":1596.855,"sentiment":"neutral","sentiment_score":-0.022601831704378128},{"text":"Does that make sense?","start":1597.235,"end":1598.375,"sentiment":"neutral","sentiment_score":0.02202380821108818}],"sentiment":"neutral","sentiment_score":-0.01516422505180041,"channel":0,"num_words":24,"start":1587.46,"end":1598.375},{"sentences":[{"text":"But they're two separate.","start":1598.61,"end":1599.8301,"sentiment":"neutral","sentiment_score":-0.12101814523339272},{"text":"Yeah?","start":1599.89,"end":1600.39,"sentiment":"neutral","sentiment_score":-0.01926407217979431}],"sentiment":"neutral","sentiment_score":-0.10066733062267304,"channel":1,"num_words":5,"start":1598.61,"end":1600.39},{"sentences":[{"text":"Yes.","start":1600.915,"end":1601.3151,"sentiment":"neutral","sentiment_score":0.016000550240278244},{"text":"They're very...","start":1601.3151,"end":1601.795,"sentiment":"neutral","sentiment_score":-0.01380811957642436},{"text":"They're two separate.","start":1601.795,"end":1602.775,"sentiment":"neutral","sentiment_score":-0.08622938394546509},{"text":"But for the full picture, what I've included it in the asset allocation just to show you that as a whole, including your PSS, you aren't invested completely as a gross risk profile.","start":1603.155,"end":1616.21,"sentiment":"neutral","sentiment_score":-0.021591430699283428},{"text":"It's more just an an investment 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piece","start":1621.95,"end":1624.035,"sentiment":"neutral","sentiment_score":-0.1724335898955663}],"sentiment":"neutral","sentiment_score":-0.1366674839095636,"channel":0,"num_words":11,"start":1619.39,"end":1624.035},{"sentences":[{"text":"Yep.","start":1625.41,"end":1625.57,"sentiment":"neutral","sentiment_score":-0.12775903940200806},{"text":"So one's","start":1625.57,"end":1626.13,"sentiment":"neutral","sentiment_score":-0.17889732122421265}],"sentiment":"neutral","sentiment_score":-0.16185122728347778,"channel":1,"num_words":3,"start":1625.41,"end":1626.13},{"sentences":[{"text":"for","start":1626.035,"end":1626.535,"sentiment":"neutral","sentiment_score":-0.26198509335517883}],"sentiment":"neutral","sentiment_score":-0.26198509335517883,"channel":0,"num_words":1,"start":1626.035,"end":1626.535},{"sentences":[{"text":"making money and one's just stagnant","start":1626.13,"end":1627.89,"sentiment":"neutral","sentiment_score":-0.31090177595615387}],"sentiment":"neutral","sentiment_score":-0.31090177595615387,"channel":1,"num_words":6,"start":1626.13,"end":1627.89},{"sentences":[{"text":"you.","start":1627.7151,"end":1628.2151,"sentiment":"neutral","sentiment_score":-0.28994667530059814}],"sentiment":"neutral","sentiment_score":-0.28994667530059814,"channel":0,"num_words":1,"start":1627.7151,"end":1628.2151},{"sentences":[{"text":"room.","start":1627.89,"end":1628.39,"sentiment":"neutral","sentiment_score":-0.05265487357974053}],"sentiment":"neutral","sentiment_score":-0.05265487357974053,"channel":1,"num_words":1,"start":1627.89,"end":1628.39},{"sentences":[{"text":"Well, your defined benefit...","start":1629.795,"end":1631.255,"sentiment":"neutral","sentiment_score":-0.03607602650299668},{"text":"Your PSS has two parts of 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invested.","start":1715.525,"end":1716.645,"sentiment":"neutral","sentiment_score":-0.1405931164820989},{"text":"It's just that your defined benefit part is not.","start":1716.645,"end":1719.385,"sentiment":"neutral","sentiment_score":-0.27496876153681016},{"text":"And the accumulation is just invested differently to what we invest.","start":1720.12,"end":1728.44,"sentiment":"neutral","sentiment_score":-0.03469406542452899},{"text":"So their portfolio structure's a little bit different.","start":1728.44,"end":1731.7999,"sentiment":"neutral","sentiment_score":-0.10914851725101471}],"sentiment":"neutral","sentiment_score":-0.13319350103847682,"channel":0,"num_words":32,"start":1705.61,"end":1731.7999},{"sentences":[{"text":"So for example, they have a higher fixed interest component sitting at about 12.25% and a higher cash component sitting at 13%.","start":1731.7999,"end":1744.5951,"sentiment":"neutral","sentiment_score":-0.02381248065185818},{"text":"Whereas our portfolio, for example, if we look at the one excluding PSS, the allocation, you'll see that our cash and fixed interest total is about 15%, whereas PSSs with their total combined is about 25%.","start":1744.9751,"end":1768.5049,"sentiment":"neutral","sentiment_score":-0.006500961918694277},{"text":"So that's why they're a little bit different.","start":1768.565,"end":1773.365,"sentiment":"neutral","sentiment_score":-0.038192013278603554},{"text":"It's just the way the the managers invest their money.","start":1773.365,"end":1777.21,"sentiment":"neutral","sentiment_score":-0.01507461741566658}],"sentiment":"neutral","sentiment_score":-0.01597620373420221,"channel":0,"num_words":76,"start":1731.7999,"end":1777.21},{"sentences":[{"text":"Okay.","start":1777.76,"end":1778.26,"sentiment":"neutral","sentiment_score":0.04378689080476761}],"sentiment":"neutral","sentiment_score":0.04378689080476761,"channel":1,"num_words":1,"start":1777.76,"end":1778.26},{"sentences":[{"text":"Yeah.","start":1779.0299,"end":1779.4299,"sentiment":"neutral","sentiment_score":0.02404060959815979},{"text":"So it's not sitting there doing nothing.","start":1779.4299,"end":1781.19,"sentiment":"neutral","sentiment_score":-0.02046910726598331},{"text":"Not at all.","start":1781.19,"end":1782.09,"sentiment":"neutral","sentiment_score":-0.07754759366313617},{"text":"It's just invested differently and probably a little bit more conservative than your hub twenty four account.","start":1782.3899,"end":1788.525,"sentiment":"neutral","sentiment_score":0.03569749172996072}],"sentiment":"neutral","sentiment_score":0.009106122755578585,"channel":0,"num_words":28,"start":1779.0299,"end":1788.525},{"sentences":[{"text":"Nice way to put it.","start":1790.975,"end":1792.1951,"sentiment":"positive","sentiment_score":0.5572427034378051}],"sentiment":"positive","sentiment_score":0.5572427034378051,"channel":1,"num_words":5,"start":1790.975,"end":1792.1951},{"sentences":[{"text":"Yeah.","start":1795.725,"end":1796.045,"sentiment":"neutral","sentiment_score":0.1661316603422165},{"text":"So it's just that they've got more exposure to some defensive assets being a fixed interest in cash.","start":1796.045,"end":1801.23,"sentiment":"neutral","sentiment_score":0.05757862329483032},{"text":"And I'm sure that their mandate changes from time to time in relation...","start":1801.5499,"end":1805.73,"sentiment":"neutral","sentiment_score":0.03371159861294123},{"text":"And, again, their figures would change again from time to time depending on what's going in the market also.","start":1805.79,"end":1810.85,"sentiment":"neutral","sentiment_score":-0.017428798110861527}],"sentiment":"neutral","sentiment_score":0.0256794215198241,"channel":0,"num_words":51,"start":1795.725,"end":1810.85},{"sentences":[{"text":"Yeah.","start":1811.5651,"end":1812.0651,"sentiment":"neutral","sentiment_score":0.007107052952051163}],"sentiment":"neutral","sentiment_score":0.007107052952051163,"channel":1,"num_words":1,"start":1811.5651,"end":1812.0651},{"sentences":[{"text":"So it's...","start":1811.79,"end":1812.6699,"sentiment":"neutral","sentiment_score":0.0016631442122161386},{"text":"Yeah.","start":1812.6699,"end":1812.91,"sentiment":"neutral","sentiment_score":0.00894896686077118},{"text":"Just at the moment, theirs is a little bit more defensive, and ours is a little bit more, gross orientated.","start":1812.91,"end":1819.1649,"sentiment":"neutral","sentiment_score":-0.006184672843664885},{"text":"The next page is re...","start":1821.865,"end":1824.825,"sentiment":"neutral","sentiment_score":-0.013466193340718746},{"text":"On a retirement income calculation.","start":1824.825,"end":1826.605,"sentiment":"neutral","sentiment_score":-0.022899308428168296}],"sentiment":"neutral","sentiment_score":-0.008886233649470589,"channel":0,"num_words":33,"start":1811.79,"end":1826.605},{"sentences":[{"text":"So this is where I said I'd talk to you more about retirement and your question is whether you needed to work more.","start":1826.825,"end":1833.98,"sentiment":"neutral","sentiment_score":-0.0073910507818926935},{"text":"So based on our conversations previously, you said you'd need likely about 2,000 per fortnight in retirement if you were debt free.","start":1834.28,"end":1846.115,"sentiment":"neutral","sentiment_score":-0.010902988131750713},{"text":"Do you","start":1846.335,"end":1846.655,"sentiment":"neutral","sentiment_score":0.01721407286822796}],"sentiment":"neutral","sentiment_score":-0.007987909811608334,"channel":0,"num_words":47,"start":1826.825,"end":1846.655},{"sentences":[{"text":"Yeah.","start":1846.64,"end":1847.14,"sentiment":"neutral","sentiment_score":0.039573706686496735}],"sentiment":"neutral","sentiment_score":0.039573706686496735,"channel":1,"num_words":1,"start":1846.64,"end":1847.14},{"sentences":[{"text":"still think that's right?","start":1846.655,"end":1848.035,"sentiment":"neutral","sentiment_score":0.041962978430092335}],"sentiment":"neutral","sentiment_score":0.041962978430092335,"channel":0,"num_words":4,"start":1846.655,"end":1848.035},{"sentences":[{"text":"Yeah.","start":1848.24,"end":1848.74,"sentiment":"neutral","sentiment_score":0.07028809189796448}],"sentiment":"neutral","sentiment_score":0.07028809189796448,"channel":1,"num_words":1,"start":1848.24,"end":1848.74},{"sentences":[{"text":"Yep.","start":1848.415,"end":1848.915,"sentiment":"neutral","sentiment_score":0.07255610823631287},{"text":"Yeah.","start":1849.455,"end":1849.9349,"sentiment":"neutral","sentiment_score":0.06932085752487183},{"text":"We also talked about your retirement age being 65.","start":1849.9349,"end":1853.555,"sentiment":"neutral","sentiment_score":0.041331355977389544},{"text":"Still correct?","start":1853.615,"end":1854.4349,"sentiment":"neutral","sentiment_score":0.03690648823976517}],"sentiment":"neutral","sentiment_score":0.04520554969517084,"channel":0,"num_words":13,"start":1848.415,"end":1854.4349},{"sentences":[{"text":"Yeah.","start":1854.72,"end":1855.22,"sentiment":"neutral","sentiment_score":0.03070516511797905}],"sentiment":"neutral","sentiment_score":0.03070516511797905,"channel":1,"num_words":1,"start":1854.72,"end":1855.22},{"sentences":[{"text":"Yeah?","start":1856.03,"end":1856.43,"sentiment":"neutral","sentiment_score":0.03643276169896126},{"text":"Okay.","start":1856.43,"end":1856.93,"sentiment":"neutral","sentiment_score":0.06070365384221077},{"text":"So if we look at this little graph, which you might need to zoom in on, it's very small, the green section refers to your superannuation, and the light blue purple...","start":1856.99,"end":1871.915,"sentiment":"neutral","sentiment_score":0.06357762325675256},{"text":"Bluey purple color, I think you'd call it, is the age pension.","start":1871.915,"end":1875.6151,"sentiment":"neutral","sentiment_score":0.09518713379899661},{"text":"So you can see from the age of 65 through till about 92, your superannuation fund and balance projected out is going to meet your income needs.","start":1876.155,"end":1889.75,"sentiment":"neutral","sentiment_score":0.21101089787703972}],"sentiment":"neutral","sentiment_score":0.12371642478845185,"channel":0,"num_words":72,"start":1856.03,"end":1889.75},{"sentences":[{"text":"Perfect.","start":1890.505,"end":1891.005,"sentiment":"neutral","sentiment_score":0.0991760641336441}],"sentiment":"neutral","sentiment_score":0.0991760641336441,"channel":1,"num_words":1,"start":1890.505,"end":1891.005},{"sentences":[{"text":"From from the age of about 74, you're gonna start base...","start":1891.01,"end":1897.01,"sentiment":"neutral","sentiment_score":0.019900898618454285},{"text":"And, again, this is just based on today's legislation and, you know, pretty standard conservative returns to make sure that we don't overinflate anything.","start":1897.01,"end":1907.3351,"sentiment":"neutral","sentiment_score":0.0417550514296939},{"text":"You've...","start":1908.915,"end":1909.395,"sentiment":"neutral","sentiment_score":0.010806909762322904},{"text":"At about 75, you become eligible for a part age pension, and then that increases from there.","start":1909.395,"end":1916.28,"sentiment":"neutral","sentiment_score":0.019509676076910076},{"text":"So what that does is that stop...","start":1916.28,"end":1918.52,"sentiment":"neutral","sentiment_score":0.03209288311856134}],"sentiment":"neutral","sentiment_score":0.029802545066922904,"channel":0,"num_words":60,"start":1891.01,"end":1918.52},{"sentences":[{"text":"That stops you drawing down as much on your super, and we only draw the difference.","start":1918.52,"end":1923.26,"sentiment":"neutral","sentiment_score":-0.049962698481976986}],"sentiment":"neutral","sentiment_score":-0.049962698481976986,"channel":0,"num_words":16,"start":1918.52,"end":1923.26},{"sentences":[{"text":"Mhmm.","start":1923.89,"end":1924.39,"sentiment":"neutral","sentiment_score":0.18494078516960144}],"sentiment":"neutral","sentiment_score":0.18494078516960144,"channel":1,"num_words":1,"start":1923.89,"end":1924.39},{"sentences":[{"text":"So","start":1924.92,"end":1925.42,"sentiment":"neutral","sentiment_score":0.31216007471084595}],"sentiment":"neutral","sentiment_score":0.31216007471084595,"channel":0,"num_words":1,"start":1924.92,"end":1925.42},{"sentences":[{"text":"Yes.","start":1925.81,"end":1926.31,"sentiment":"positive","sentiment_score":0.5165033340454102}],"sentiment":"positive","sentiment_score":0.5165033340454102,"channel":1,"num_words":1,"start":1925.81,"end":1926.31},{"sentences":[{"text":"you can see that you are on track.","start":1925.96,"end":1928.625,"sentiment":"positive","sentiment_score":0.691255547106266},{"text":"Hopefully, that gives you a little bit of peace of mind to what you're working towards.","start":1928.625,"end":1932.725,"sentiment":"positive","sentiment_score":0.675592852756381},{"text":"And, yeah, you're you're well within target, reaching your target.","start":1935.825,"end":1940.85,"sentiment":"positive","sentiment_score":0.6886267185211181}],"sentiment":"positive","sentiment_score":0.6831116825342178,"channel":0,"num_words":34,"start":1925.96,"end":1940.85},{"sentences":[{"text":"That that was 2,000 a week, wasn't it?","start":1941.9851,"end":1944.245,"sentiment":"neutral","sentiment_score":0.23622436448931694},{"text":"Not a fortnight.","start":1945.505,"end":1946.3251,"sentiment":"neutral","sentiment_score":-0.10748233397801717}],"sentiment":"neutral","sentiment_score":0.14248617399822583,"channel":1,"num_words":11,"start":1941.9851,"end":1946.3251},{"sentences":[{"text":"Sorry?","start":1945.95,"end":1946.45,"sentiment":"neutral","sentiment_score":-0.05817600339651108}],"sentiment":"neutral","sentiment_score":-0.05817600339651108,"channel":0,"num_words":1,"start":1945.95,"end":1946.45},{"sentences":[{"text":"That was 2,000 a week, wasn't it?","start":1947.14,"end":1948.7401,"sentiment":"neutral","sentiment_score":-0.026641291300100938},{"text":"Not a fortnight.","start":1948.7401,"end":1949.64,"sentiment":"neutral","sentiment_score":-0.11436304450035095}],"sentiment":"neutral","sentiment_score":-0.05295781726017594,"channel":1,"num_words":10,"start":1947.14,"end":1949.64},{"sentences":[{"text":"I think...","start":1950.75,"end":1951.57,"sentiment":"neutral","sentiment_score":-0.052978621795773506},{"text":"Let me double check.","start":1951.63,"end":1952.85,"sentiment":"neutral","sentiment_score":-0.020967221353203058},{"text":"I'll just go back to our original notes.","start":1958.6749,"end":1961.095,"sentiment":"neutral","sentiment_score":0.003066664794459939},{"text":"It says at about age 67 with 1,000 a week, but what you earn now is about $1,600 after tax.","start":1985.345,"end":1992.06,"sentiment":"neutral","sentiment_score":0.001872481498867273},{"text":"So depending on the debt situation and your debt free, we looked at a thousand dollars a week.","start":1992.14,"end":1999.52,"sentiment":"neutral","sentiment_score":-0.023000446872578725}],"sentiment":"neutral","sentiment_score":-0.010420215853418294,"channel":0,"num_words":52,"start":1950.75,"end":1999.52},{"sentences":[{"text":"Obviously, being 2,000 a fortnight, but you can...","start":1999.8201,"end":2003.76,"sentiment":"neutral","sentiment_score":-0.03305277368053794},{"text":"That's variable depending on...","start":2003.8201,"end":2006.765,"sentiment":"neutral","sentiment_score":-0.036265064030885696},{"text":"If you want me to send you through another quick calculation post meeting, I can do that with a different amount just to give you an idea of how that looks.","start":2007.3049,"end":2015.145,"sentiment":"neutral","sentiment_score":-0.00986893372910638},{"text":"I don't foresee it being an issue.","start":2015.145,"end":2017.405,"sentiment":"neutral","sentiment_score":-0.23481629150254385}],"sentiment":"neutral","sentiment_score":-0.04718266863375902,"channel":0,"num_words":50,"start":1999.8201,"end":2017.405},{"sentences":[{"text":"Can we do that in 2,000 a week or in a 2,000?","start":2017.745,"end":2020.705,"sentiment":"neutral","sentiment_score":-0.08177615391711394},{"text":"We...","start":2020.705,"end":2020.9451,"sentiment":"neutral","sentiment_score":-0.0264161080121994},{"text":"Even 1,500 a week, you know?","start":2020.9451,"end":2022.965,"sentiment":"neutral","sentiment_score":-0.021815985751648743}],"sentiment":"neutral","sentiment_score":-0.05992767734355048,"channel":1,"num_words":19,"start":2017.745,"end":2022.965},{"sentences":[{"text":"Yes.","start":2023.0801,"end":2023.48,"sentiment":"neutral","sentiment_score":0.04385637119412422},{"text":"Absolutely.","start":2023.48,"end":2023.98,"sentiment":"neutral","sentiment_score":0.07230827957391739}],"sentiment":"neutral","sentiment_score":0.058082325384020805,"channel":0,"num_words":2,"start":2023.0801,"end":2023.98},{"sentences":[{"text":"Because I want...","start":2023.64,"end":2024.54,"sentiment":"neutral","sentiment_score":-0.0007783261438210806},{"text":"Obviously, what the market's like at that at at that time.","start":2025.3201,"end":2029.26,"sentiment":"neutral","sentiment_score":-0.07726351882923733},{"text":"And I know that we're forecasting or projecting, but","start":2029.56,"end":2033.0,"sentiment":"neutral","sentiment_score":-0.04319408742917909}],"sentiment":"neutral","sentiment_score":-0.053955672713725464,"channel":1,"num_words":23,"start":2023.64,"end":2033.0},{"sentences":[{"text":"Mhmm.","start":2032.68,"end":2033.145,"sentiment":"neutral","sentiment_score":-0.04735606908798218}],"sentiment":"neutral","sentiment_score":-0.04735606908798218,"channel":0,"num_words":1,"start":2032.68,"end":2033.145},{"sentences":[{"text":"I wanna make sure that, you know, I have enough.","start":2033.0,"end":2036.895,"sentiment":"neutral","sentiment_score":-0.030518919602036475},{"text":"And","start":2037.855,"end":2038.355,"sentiment":"neutral","sentiment_score":0.006348226219415665}],"sentiment":"neutral","sentiment_score":-0.027167360890995373,"channel":1,"num_words":11,"start":2033.0,"end":2038.355},{"sentences":[{"text":"Yeah.","start":2037.865,"end":2038.265,"sentiment":"neutral","sentiment_score":-0.0008316151797771454},{"text":"So that...","start":2038.265,"end":2039.005,"sentiment":"neutral","sentiment_score":0.006024949252605438},{"text":"Yeah.","start":2039.625,"end":2040.125,"sentiment":"neutral","sentiment_score":0.027950527146458622},{"text":"Of course.","start":2040.185,"end":2040.745,"sentiment":"neutral","sentiment_score":0.04180412366986275},{"text":"So what we do with that is we do base it on today's dollars.","start":2040.745,"end":2045.145,"sentiment":"neutral","sentiment_score":0.03939548573855843}],"sentiment":"neutral","sentiment_score":0.033715692907571794,"channel":0,"num_words":20,"start":2037.865,"end":2045.145},{"sentences":[{"text":"I'm...","start":2044.895,"end":2045.145,"sentiment":"neutral","sentiment_score":0.001723126508295536},{"text":"Yeah.","start":2045.145,"end":2045.645,"sentiment":"neutral","sentiment_score":0.02409461885690689}],"sentiment":"neutral","sentiment_score":0.012908872682601213,"channel":1,"num_words":2,"start":2044.895,"end":2045.645},{"sentences":[{"text":"So we allow for the inflation.","start":2045.145,"end":2048.2402,"sentiment":"neutral","sentiment_score":0.010018215204278627},{"text":"So you'll see a little bit below that, we allow for the inflation in today's dollars.","start":2048.54,"end":2056.06,"sentiment":"neutral","sentiment_score":0.029585606884211302},{"text":"So I can definitely get that done up for $1,500 a week.","start":2056.06,"end":2059.34,"sentiment":"positive","sentiment_score":0.7475758592287699},{"text":"So you've got that for your information as well.","start":2059.34,"end":2061.765,"sentiment":"positive","sentiment_score":0.6854833960533142},{"text":"Post our meeting, I'll send that through in an email for you.","start":2063.6848,"end":2066.825,"sentiment":"neutral","sentiment_score":0.25930244475603104}],"sentiment":"positive","sentiment_score":0.3415521675212817,"channel":0,"num_words":55,"start":2045.145,"end":2066.825},{"sentences":[{"text":"The next section is something...","start":2069.6848,"end":2071.305,"sentiment":"neutral","sentiment_score":0.051058721542358396},{"text":"The next page is advice in relation to salary sacrifice.","start":2071.845,"end":2075.8,"sentiment":"neutral","sentiment_score":0.019369106367230417},{"text":"So this is building your superannuation further.","start":2075.86,"end":2078.44,"sentiment":"neutral","sentiment_score":0.2442277797630855},{"text":"Now this is something that I've considered as an alternative to you for a number of reasons.","start":2079.22,"end":2087.4001,"sentiment":"neutral","sentiment_score":0.19350282628746593},{"text":"So I noted that from our conversation, you're making investments into Bitcoin and silver","start":2087.955,"end":2094.0552,"sentiment":"neutral","sentiment_score":0.0962814377354724}],"sentiment":"neutral","sentiment_score":0.12822768499828735,"channel":0,"num_words":53,"start":2069.6848,"end":2094.0552},{"sentences":[{"text":"Mhmm.","start":2094.585,"end":2095.085,"sentiment":"neutral","sentiment_score":0.06185883656144142}],"sentiment":"neutral","sentiment_score":0.06185883656144142,"channel":1,"num_words":1,"start":2094.585,"end":2095.085},{"sentences":[{"text":"on a regular basis.","start":2094.595,"end":2095.8152,"sentiment":"neutral","sentiment_score":0.09050636272877455},{"text":"What I considered as an alternative for you for you to consider is using those funds of a 156 per fortnight that you do in silver and Bitcoin and instead invest into your superannuation.","start":2096.435,"end":2108.55,"sentiment":"neutral","sentiment_score":0.18174835513619816},{"text":"There are a number of reasons why, which could also be in contradiction to why you choose to do Bitcoin and silver.","start":2109.89,"end":2118.655,"sentiment":"neutral","sentiment_score":-0.12448990463533184},{"text":"So this this is, from me looking at your situation as a holistic picture, the reasons why is the funds will still be invested, but they're gonna be invested in a diversified market, not concentrated to Bitcoin and silver themselves.","start":2118.655,"end":2135.69,"sentiment":"neutral","sentiment_score":0.27685907259583475},{"text":"Adding the contributions to super is a tax effective environment.","start":2137.91,"end":2142.095,"sentiment":"positive","sentiment_score":0.538856565952301}],"sentiment":"neutral","sentiment_score":0.1842329107902267,"channel":0,"num_words":110,"start":2094.595,"end":2142.095},{"sentences":[{"text":"So once you do retire and meet a preservation aid...","start":2142.155,"end":2147.115,"sentiment":"neutral","sentiment_score":0.18413399010896683},{"text":"Your preservation aid, the income within that is tax free.","start":2147.115,"end":2151.595,"sentiment":"neutral","sentiment_score":0.1995000995695591},{"text":"So there's no capital gains tax, for example.","start":2151.595,"end":2154.63,"sentiment":"neutral","sentiment_score":0.14179439283907413},{"text":"There's no tax payable on you drawing an income, etcetera.","start":2154.63,"end":2158.41,"sentiment":"neutral","sentiment_score":0.1534838117659092},{"text":"The...","start":2160.39,"end":2160.89,"sentiment":"neutral","sentiment_score":0.034616243094205856}],"sentiment":"neutral","sentiment_score":0.16769616410900384,"channel":0,"num_words":39,"start":2142.155,"end":2160.89},{"sentences":[{"text":"With the Bitcoin and the silver and investments holding your personal name, there is capital gains tax that's applicable to those, and there's no tax benefit of you.","start":2162.63,"end":2175.7249,"sentiment":"neutral","sentiment_score":0.09934953919478826},{"text":"You don't receive a tax benefit of you investing in it.","start":2176.345,"end":2178.825,"sentiment":"neutral","sentiment_score":0.0859277451580221},{"text":"So now that the 50%, you know, tax...","start":2178.825,"end":2181.9402,"sentiment":"neutral","sentiment_score":0.1786953452974558},{"text":"CGT tax has been removed discount, the superannuation environment is a more tax effective or friendly option.","start":2181.9402,"end":2195.72,"sentiment":"neutral","sentiment_score":0.1987479975556626},{"text":"What...","start":2197.565,"end":2198.045,"sentiment":"neutral","sentiment_score":0.04238755255937576}],"sentiment":"neutral","sentiment_score":0.13196397796273232,"channel":0,"num_words":65,"start":2162.63,"end":2198.045},{"sentences":[{"text":"On the following page, what I've done is a very simple table.","start":2198.045,"end":2201.825,"sentiment":"neutral","sentiment_score":0.0862799013654391},{"text":"You'll see that your income is stated.","start":2203.9648,"end":2207.825,"sentiment":"neutral","sentiment_score":0.09017833535160337},{"text":"Column one represents your current position investing into crypto and silver.","start":2208.62,"end":2212.56,"sentiment":"neutral","sentiment_score":0.06744539940899069},{"text":"Column two removes that crypto and silver and instead puts it into a salary sacrifice arrangement into super.","start":2213.18,"end":2219.9202,"sentiment":"neutral","sentiment_score":0.05307733536594444},{"text":"What","start":2220.3,"end":2220.62,"sentiment":"neutral","sentiment_score":0.09162817895412444}],"sentiment":"neutral","sentiment_score":0.07052095454870438,"channel":0,"num_words":49,"start":2198.045,"end":2220.62},{"sentences":[{"text":"Mhmm.","start":2220.375,"end":2220.875,"sentiment":"neutral","sentiment_score":0.0972357764840126}],"sentiment":"neutral","sentiment_score":0.0972357764840126,"channel":1,"num_words":1,"start":2220.375,"end":2220.875},{"sentences":[{"text":"it does is it reduces your taxable income by approximately...","start":2220.62,"end":2226.195,"sentiment":"neutral","sentiment_score":0.059455585479736325},{"text":"Oh, gosh.","start":2228.735,"end":2229.455,"sentiment":"neutral","sentiment_score":-0.1694759577512741},{"text":"They should put those figures there.","start":2229.455,"end":2230.8152,"sentiment":"neutral","sentiment_score":-0.1915308510263761},{"text":"I can't even do math today.","start":2230.8152,"end":2232.095,"sentiment":"negative","sentiment_score":-0.37786000470320386},{"text":"That's terrible, isn't it?","start":2232.095,"end":2233.5,"sentiment":"negative","sentiment_score":-0.7553282976150513}],"sentiment":"neutral","sentiment_score":-0.22078765662653105,"channel":0,"num_words":28,"start":2220.62,"end":2233.5},{"sentences":[{"text":"Sorry?","start":2236.22,"end":2236.72,"sentiment":"negative","sentiment_score":-0.35480427742004395}],"sentiment":"negative","sentiment_score":-0.35480427742004395,"channel":0,"num_words":1,"start":2236.22,"end":2236.72},{"sentences":[{"text":"We've come back from a long weekend.","start":2237.2102,"end":2238.9102,"sentiment":"neutral","sentiment_score":-0.1711939126253128}],"sentiment":"neutral","sentiment_score":-0.1711939126253128,"channel":1,"num_words":7,"start":2237.2102,"end":2238.9102},{"sentences":[{"text":"Oh, it still feels like the weekend.","start":2239.58,"end":2241.28,"sentiment":"neutral","sentiment_score":-0.02845828022275652},{"text":"It's gonna reduce your taxable income rounding up that $2,800.","start":2242.62,"end":2248.115,"sentiment":"neutral","sentiment_score":0.04355298988521099},{"text":"So that's $2,800 you're not paying tax on,","start":2248.115,"end":2251.015,"sentiment":"neutral","sentiment_score":0.10549147287383676}],"sentiment":"neutral","sentiment_score":0.04321014881134033,"channel":0,"num_words":25,"start":2239.58,"end":2251.015},{"sentences":[{"text":"Yes.","start":2251.2249,"end":2251.32,"sentiment":"neutral","sentiment_score":0.1935162842273712}],"sentiment":"neutral","sentiment_score":0.1935162842273712,"channel":1,"num_words":1,"start":2251.2249,"end":2251.32},{"sentences":[{"text":"and then that money is, you know, used elsewhere.","start":2253.075,"end":2256.275,"sentiment":"neutral","sentiment_score":0.2727826734383901},{"text":"So you're gonna have a tax saving as well because you're not getting taxed on that full taxable income.","start":2256.275,"end":2263.8,"sentiment":"positive","sentiment_score":0.4184100016167289},{"text":"It's it's the reduced amount post the salary sacrifice.","start":2264.0999,"end":2267.24,"sentiment":"neutral","sentiment_score":0.17928737153609595},{"text":"What it means is the super contribution variance is an extra $3,448 going in a year, which even though...","start":2268.9,"end":2283.5552,"sentiment":"neutral","sentiment_score":0.0690797459530203},{"text":"So when you're you're contributing to super, it's taxed at 15% when you go in.","start":2283.5552,"end":2287.475,"sentiment":"neutral","sentiment_score":0.014207853749394418}],"sentiment":"neutral","sentiment_score":0.1907613157019229,"channel":0,"num_words":71,"start":2253.075,"end":2287.475},{"sentences":[{"text":"So your salary sacrifice, that that amount is taxed at 15%.","start":2287.475,"end":2291.21,"sentiment":"neutral","sentiment_score":0.052198207513852554},{"text":"However, that 15% is less than your marginal tax rate.","start":2291.27,"end":2297.43,"sentiment":"neutral","sentiment_score":-0.051464707031846045},{"text":"So that's the benefit of it, the trade off.","start":2297.43,"end":2299.69,"sentiment":"neutral","sentiment_score":0.2200906053185463},{"text":"So you...","start":2301.03,"end":2301.69,"sentiment":"neutral","sentiment_score":0.0872214064002037},{"text":"From a tax perspective, it's gonna be beneficial for you personally now and in the long run.","start":2301.83,"end":2309.865,"sentiment":"positive","sentiment_score":0.5639564289766199}],"sentiment":"neutral","sentiment_score":0.24085817888987307,"channel":0,"num_words":49,"start":2287.475,"end":2309.865},{"sentences":[{"text":"And also in retirement, it's gonna be beneficial.","start":2309.925,"end":2312.585,"sentiment":"positive","sentiment_score":0.5649810023605824},{"text":"So the reason why I did include that is for those reasons.","start":2313.5251,"end":2319.145,"sentiment":"neutral","sentiment_score":0.2720695125559966},{"text":"But the next page also covers off on your crypto and silver.","start":2319.7898,"end":2324.43,"sentiment":"neutral","sentiment_score":0.0733518407990535},{"text":"So I've used a...","start":2324.43,"end":2328.8298,"sentiment":"neutral","sentiment_score":0.020410377474036068},{"text":"It was very, very difficult because Bitcoin is an unregulated investment.","start":2328.8298,"end":2332.5298,"sentiment":"neutral","sentiment_score":-0.2469908364794471}],"sentiment":"neutral","sentiment_score":0.12829035250569118,"channel":0,"num_words":47,"start":2309.925,"end":2332.5298},{"sentences":[{"text":"So it's really difficult to get decent returns...","start":2333.9648,"end":2337.105,"sentiment":"neutral","sentiment_score":-0.23453396745026112},{"text":"Well, not decent returns, but find information on...","start":2338.765,"end":2343.585,"sentiment":"neutral","sentiment_score":-0.13698811177164316},{"text":"As you know, the the market goes up and down a lot with Bitcoin.","start":2347.9,"end":2350.88,"sentiment":"neutral","sentiment_score":-0.06704755100820746},{"text":"So to get factualized returns, we we relied on an ETF.","start":2351.26,"end":2355.76,"sentiment":"neutral","sentiment_score":0.010219530964439566},{"text":"So these returns are probably not like what you've seen in your Bitcoin experience, but they're conservative returns that we've used in this advice document.","start":2355.98,"end":2367.905,"sentiment":"neutral","sentiment_score":0.030925812274217604}],"sentiment":"neutral","sentiment_score":-0.045837609097361565,"channel":0,"num_words":66,"start":2333.9648,"end":2367.905},{"sentences":[{"text":"So I've assumed that a Bitcoin annualized returns, that means over the long term.","start":2368.605,"end":2373.825,"sentiment":"neutral","sentiment_score":0.02884534267442567},{"text":"So one year could be 33%.","start":2374.285,"end":2376.04,"sentiment":"neutral","sentiment_score":-0.011088457889854908},{"text":"For example, in the next year, it could be negative 50%, and annualized return is the average of your return over the long term.","start":2376.04,"end":2382.94,"sentiment":"neutral","sentiment_score":-0.04369650656978289},{"text":"So with Bitcoin, we did...","start":2383.0798,"end":2384.5999,"sentiment":"neutral","sentiment_score":0.018196639977395533},{"text":"We used 11.2, and with silver, 9.63.","start":2384.5999,"end":2387.865,"sentiment":"neutral","sentiment_score":0.048042328762156625}],"sentiment":"neutral","sentiment_score":-0.00507379654196224,"channel":0,"num_words":56,"start":2368.605,"end":2387.865},{"sentences":[{"text":"And they're based off ETFs that we use for those types of investments.","start":2387.865,"end":2395.645,"sentiment":"neutral","sentiment_score":0.07825874561408105},{"text":"We haven't put any fees in there because I wasn't aware of any fees within your platform...","start":2396.105,"end":2400.445,"sentiment":"neutral","sentiment_score":-0.02984884742866544},{"text":"Trading platform that you use.","start":2400.585,"end":2402.445,"sentiment":"neutral","sentiment_score":-0.002948961779475212},{"text":"But over a five year period, you'll...","start":2403.8901,"end":2409.25,"sentiment":"neutral","sentiment_score":0.009804625928934132},{"text":"You could expect your balance while still doing your existing contributions to increase by those months, those amounts.","start":2409.25,"end":2416.4248,"sentiment":"neutral","sentiment_score":0.03869209448910422}],"sentiment":"neutral","sentiment_score":0.021004642668413,"channel":0,"num_words":60,"start":2387.865,"end":2416.4248},{"sentences":[{"text":"So five years 20...","start":2417.285,"end":2418.825,"sentiment":"neutral","sentiment_score":0.007051196065731347}],"sentiment":"neutral","sentiment_score":0.007051196065731347,"channel":0,"num_words":4,"start":2417.285,"end":2418.825},{"sentences":[{"text":"Sorry.","start":2419.9849,"end":2420.4648,"sentiment":"neutral","sentiment_score":-0.010859590023756027}],"sentiment":"neutral","sentiment_score":-0.010859590023756027,"channel":1,"num_words":1,"start":2419.9849,"end":2420.4648},{"sentences":[{"text":"Sorry?","start":2420.085,"end":2420.585,"sentiment":"neutral","sentiment_score":0.005158774554729462}],"sentiment":"neutral","sentiment_score":0.005158774554729462,"channel":0,"num_words":1,"start":2420.085,"end":2420.585},{"sentences":[{"text":"Good.","start":2420.4648,"end":2420.9448,"sentiment":"neutral","sentiment_score":0.25483593344688416},{"text":"Keep going.","start":2420.9448,"end":2421.6848,"sentiment":"neutral","sentiment_score":0.20732027292251587}],"sentiment":"neutral","sentiment_score":0.22315882643063864,"channel":1,"num_words":3,"start":2420.4648,"end":2421.6848},{"sentences":[{"text":"No.","start":2422.085,"end":2422.4048,"sentiment":"neutral","sentiment_score":0.14588576555252075},{"text":"You're absolutely fine.","start":2422.4048,"end":2423.4448,"sentiment":"neutral","sentiment_score":0.2955869783957799},{"text":"So five years is a 28,000 lump sum, and seven years is a $41,000 lump sum.","start":2423.4448,"end":2432.0498,"sentiment":"neutral","sentiment_score":0.06969612394459546},{"text":"So the...","start":2432.5898,"end":2434.45,"sentiment":"neutral","sentiment_score":0.008739002980291843},{"text":"What...","start":2434.75,"end":2435.25,"sentiment":"neutral","sentiment_score":0.010254007764160631}],"sentiment":"neutral","sentiment_score":0.09458768250339705,"channel":0,"num_words":23,"start":2422.085,"end":2435.25},{"sentences":[{"text":"The reason I have said, yep.","start":2435.63,"end":2438.75,"sentiment":"neutral","sentiment_score":0.0246965941041708},{"text":"Those are great those are great investments.","start":2438.75,"end":2440.7698,"sentiment":"positive","sentiment_score":0.5400173876966748},{"text":"You you know, I understand you wanting to do them and all of that.","start":2442.0852,"end":2446.985,"sentiment":"neutral","sentiment_score":0.19541062521083014},{"text":"The reason why I recommended salary sacrifice as opposed to it is that at about 60 that you wanna...","start":2448.725,"end":2455.22,"sentiment":"neutral","sentiment_score":-0.028050867031867568},{"text":"At 60 years of age, you wanna kind of look at reducing your working hours.","start":2455.28,"end":2458.82,"sentiment":"neutral","sentiment_score":-0.08526960164308547}],"sentiment":"neutral","sentiment_score":0.0795416316918296,"channel":0,"num_words":61,"start":2435.63,"end":2458.82},{"sentences":[{"text":"Yes.","start":2459.36,"end":2459.86,"sentiment":"neutral","sentiment_score":0.0662112608551979}],"sentiment":"neutral","sentiment_score":0.0662112608551979,"channel":1,"num_words":1,"start":2459.36,"end":2459.86},{"sentences":[{"text":"Bitcoin and silver do carry high volatility.","start":2460.72,"end":2463.3801,"sentiment":"neutral","sentiment_score":0.03445438189165933},{"text":"Their upsides, the potential upside is fantastic in those investment options, but it also falls within a significant risk level.","start":2464.96,"end":2477.885,"sentiment":"neutral","sentiment_score":0.06770374178886414},{"text":"And as you approach retirement, so we're in line with your goals and objectives, building your retirement savings, particularly, as you mentioned before, to know that it's gonna meet what you need in retirement, I felt that the salary sacrifice option, whilst not probably providing the same type of returns, is gonna help you meet those retirement objectives.","start":2478.345,"end":2507.485,"sentiment":"neutral","sentiment_score":0.13063119978098006}],"sentiment":"neutral","sentiment_score":0.10790429525077343,"channel":0,"num_words":85,"start":2460.72,"end":2507.485},{"sentences":[{"text":"And 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it's more stable.","start":2512.78,"end":2513.92,"sentiment":"neutral","sentiment_score":0.021807774901390076}],"sentiment":"neutral","sentiment_score":0.021807774901390076,"channel":1,"num_words":4,"start":2512.78,"end":2513.92},{"sentences":[{"text":"Sorry?","start":2515.8599,"end":2516.3599,"sentiment":"neutral","sentiment_score":0.004181232303380966},{"text":"Stable.","start":2516.5798,"end":2516.98,"sentiment":"neutral","sentiment_score":0.06916484236717224},{"text":"It's more","start":2516.98,"end":2517.46,"sentiment":"neutral","sentiment_score":0.04300324432551861}],"sentiment":"neutral","sentiment_score":0.039838140830397606,"channel":0,"num_words":4,"start":2515.8599,"end":2517.46},{"sentences":[{"text":"Yes.","start":2517.42,"end":2517.915,"sentiment":"neutral","sentiment_score":0.0717669129371643}],"sentiment":"neutral","sentiment_score":0.0717669129371643,"channel":1,"num_words":1,"start":2517.42,"end":2517.915},{"sentences":[{"text":"diversified.","start":2517.46,"end":2517.96,"sentiment":"neutral","sentiment_score":0.06440027058124542},{"text":"If 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across lots of different sections of the market rather than being centralized to silver and Bitcoin.","start":2547.74,"end":2560.205,"sentiment":"neutral","sentiment_score":0.15092897222888085},{"text":"So you still will have that volatility, but you won't have that significant","start":2560.585,"end":2566.96,"sentiment":"neutral","sentiment_score":-0.06566108734561847}],"sentiment":"neutral","sentiment_score":0.10092950553486221,"channel":0,"num_words":57,"start":2544.0598,"end":2566.96},{"sentences":[{"text":"Okay.","start":2566.7324,"end":2567.2324,"sentiment":"neutral","sentiment_score":-0.0133224343881011}],"sentiment":"neutral","sentiment_score":-0.0133224343881011,"channel":1,"num_words":1,"start":2566.7324,"end":2567.2324},{"sentences":[{"text":"volatility that you experience in Bitcoin and silver because the money is spread out and 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with.","start":2668.875,"end":2674.83,"sentiment":"neutral","sentiment_score":0.03388263119591607},{"text":"Sorry?","start":2678.6501,"end":2679.1501,"sentiment":"neutral","sentiment_score":-0.14366978406906128}],"sentiment":"neutral","sentiment_score":0.037799151170821416,"channel":0,"num_words":21,"start":2668.075,"end":2679.1501},{"sentences":[{"text":"Yeah.","start":2679.43,"end":2679.91,"sentiment":"neutral","sentiment_score":-0.1946122944355011},{"text":"Keep 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your...","start":2690.345,"end":2693.565,"sentiment":"neutral","sentiment_score":-0.009833027919133505}],"sentiment":"neutral","sentiment_score":-0.19352052609125772,"channel":0,"num_words":15,"start":2684.825,"end":2693.565},{"sentences":[{"text":"Is to apply for an increase in income protection.","start":2695.1448,"end":2697.6448,"sentiment":"neutral","sentiment_score":-0.010552201006147597},{"text":"So your monthly benefit falls short by approximately $2,015 a month.","start":2698.47,"end":2704.81,"sentiment":"negative","sentiment_score":-0.3574309159408916},{"text":"We've recommended increasing it, and what this policy covers is your income should you be unable to work due to injury or illness up to 70%.","start":2705.1099,"end":2716.865,"sentiment":"neutral","sentiment_score":-0.08957092478298224},{"text":"The premium here is indicative at this stage.","start":2718.445,"end":2721.905,"sentiment":"neutral","sentiment_score":-0.12896292749792337},{"text":"We're just waiting on Tal 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arrange a nurse to come out and take some bloods from you at no cost to yourself.","start":2792.17,"end":2799.31,"sentiment":"neutral","sentiment_score":0.15443034975656442},{"text":"And if those blood tests indicate reading that Tal is is wanting to see, then that that loading could potentially be reduced down to 50% for income protection.","start":2800.17,"end":2812.595,"sentiment":"neutral","sentiment_score":0.10142180150640863},{"text":"So that premium can vary a little bit at the moment when not...","start":2813.135,"end":2816.335,"sentiment":"neutral","sentiment_score":-0.08413197214786823}],"sentiment":"neutral","sentiment_score":0.05768563954726509,"channel":0,"num_words":92,"start":2780.345,"end":2816.335},{"sentences":[{"text":"When nothing's set in stone.","start":2816.335,"end":2817.85,"sentiment":"neutral","sentiment_score":-0.08538813292980194},{"text":"And then also with any trauma and trauma insurance that we're looking at, there will be a 50% loading 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from super.","start":2879.25,"end":2885.75,"sentiment":"neutral","sentiment_score":0.19694393128156662},{"text":"At the moment, it's sitting at $1,048.18 extra per annum with the caveat that that that could potentially be more or less depending on results of blood tests.","start":2886.6099,"end":2900.965,"sentiment":"neutral","sentiment_score":-0.2156368915290971}],"sentiment":"neutral","sentiment_score":0.02542050850776131,"channel":0,"num_words":61,"start":2870.755,"end":2900.965},{"sentences":[{"text":"So we won't know exactly a 100% until that time.","start":2902.05,"end":2906.23,"sentiment":"neutral","sentiment_score":-0.26743185967206956},{"text":"And then at that time, you could make a decision anyhow, but I just wanna make that really clear at the 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be.","start":2964.84,"end":2969.6602,"sentiment":"neutral","sentiment_score":-0.0751241802730981}],"sentiment":"neutral","sentiment_score":-0.04983264284039086,"channel":0,"num_words":22,"start":2963.1602,"end":2969.6602},{"sentences":[{"text":"You also asked me to just have a look at trauma insurance, which is the amount that...","start":2970.695,"end":2975.095,"sentiment":"neutral","sentiment_score":-0.01812223838094403},{"text":"The type of cover that covers you if you're diagnosed with a specific health condition being...","start":2975.095,"end":2982.055,"sentiment":"neutral","sentiment_score":-0.0883210024330765},{"text":"And they range from cancer, heart attack, stroke.","start":2982.055,"end":2984.475,"sentiment":"neutral","sentiment_score":-0.07404361758381128},{"text":"We looked at that for...","start":2986.14,"end":2987.5,"sentiment":"neutral","sentiment_score":-0.0326908104121685},{"text":"To help with some out of pocket expenses and a lump sum to help with the recuperation period.","start":2987.5,"end":2992.48,"sentiment":"neutral","sentiment_score":-0.04026622118221389}],"sentiment":"neutral","sentiment_score":-0.050028266647132114,"channel":0,"num_words":64,"start":2970.695,"end":2992.48},{"sentences":[{"text":"And with the loading, that comes out at approximately $223.88 per month, and that has to be paid from your personal cash flow as it's unable to be paid from super.","start":2992.94,"end":3004.4949,"sentiment":"neutral","sentiment_score":-0.22953910789182108}],"sentiment":"neutral","sentiment_score":-0.22953910789182108,"channel":0,"num_words":31,"start":2992.94,"end":3004.4949},{"sentences":[{"text":"Oh, okay.","start":3005.3198,"end":3006.14,"sentiment":"neutral","sentiment_score":0.07663232088088989},{"text":"Okay.","start":3006.76,"end":3007.26,"sentiment":"neutral","sentiment_score":0.0993928462266922}],"sentiment":"neutral","sentiment_score":0.08421916266282399,"channel":1,"num_words":3,"start":3005.3198,"end":3007.26},{"sentences":[{"text":"Yes.","start":3007.355,"end":3007.855,"sentiment":"neutral","sentiment_score":0.1851149946451187},{"text":"Yep.","start":3008.075,"end":3008.575,"sentiment":"neutral","sentiment_score":0.25655585527420044},{"text":"So that's there for your information for you to consider there.","start":3009.195,"end":3012.8,"sentiment":"neutral","sentiment_score":0.22836592928929764},{"text":"So, basically, the recommendation, to summarize, is to increase your income protection to make sure you can cover the most you can of your income if you're covered if you are injured or unable to work due to illness, and that the trauma insurance has been recommended should you be diagnosed with a critical event.","start":3013.98,"end":3039.805,"sentiment":"neutral","sentiment_score":-0.003442890163172375},{"text":"No.","start":3039.87,"end":3040.37,"sentiment":"neutral","sentiment_score":-0.03864729404449463}],"sentiment":"neutral","sentiment_score":0.03950275100119736,"channel":0,"num_words":69,"start":3007.355,"end":3040.37},{"sentences":[{"text":"Okay.","start":3041.27,"end":3041.77,"sentiment":"neutral","sentiment_score":-0.016021544113755226},{"text":"My total of the former","start":3042.63,"end":3044.17,"sentiment":"neutral","sentiment_score":-0.037704116106033324}],"sentiment":"neutral","sentiment_score":-0.03409035410732031,"channel":1,"num_words":6,"start":3041.27,"end":3044.17},{"sentences":[{"text":"Yeah.","start":3045.31,"end":3045.81,"sentiment":"neutral","sentiment_score":0.003629261627793312}],"sentiment":"neutral","sentiment_score":0.003629261627793312,"channel":0,"num_words":1,"start":3045.31,"end":3045.81},{"sentences":[{"text":"is pretty much okay apart from blood pressure according to my blood test.","start":3045.955,"end":3049.7349,"sentiment":"neutral","sentiment_score":0.018203336458939772}],"sentiment":"neutral","sentiment_score":0.018203336458939772,"channel":1,"num_words":13,"start":3045.955,"end":3049.7349},{"sentences":[{"text":"That's fantastic news.","start":3050.1902,"end":3051.885,"sentiment":"positive","sentiment_score":0.6847944855690002}],"sentiment":"positive","sentiment_score":0.6847944855690002,"channel":0,"num_words":3,"start":3050.1902,"end":3051.885},{"sentences":[{"text":"That is good news from...","start":3052.195,"end":3053.395,"sentiment":"positive","sentiment_score":0.41998502016067507},{"text":"Yeah.","start":3053.395,"end":3053.895,"sentiment":"neutral","sentiment_score":0.0948224812746048},{"text":"So, yeah,","start":3054.515,"end":3054.915,"sentiment":"neutral","sentiment_score":0.05934527888894081}],"sentiment":"neutral","sentiment_score":0.2891797674819827,"channel":1,"num_words":8,"start":3052.195,"end":3054.915},{"sentences":[{"text":"Yeah.","start":3054.765,"end":3055.265,"sentiment":"neutral","sentiment_score":0.050644755363464355}],"sentiment":"neutral","sentiment_score":0.050644755363464355,"channel":0,"num_words":1,"start":3054.765,"end":3055.265},{"sentences":[{"text":"we might revisit that next year.","start":3054.915,"end":3056.73,"sentiment":"neutral","sentiment_score":0.06489211569229762}],"sentiment":"neutral","sentiment_score":0.06489211569229762,"channel":1,"num_words":6,"start":3054.915,"end":3056.73},{"sentences":[{"text":"Yeah.","start":3057.485,"end":3057.805,"sentiment":"neutral","sentiment_score":0.1867605447769165},{"text":"That's absolutely fine.","start":3057.805,"end":3059.325,"sentiment":"positive","sentiment_score":0.3337587813536326},{"text":"Absolutely fine.","start":3059.325,"end":3060.465,"sentiment":"positive","sentiment_score":0.34790289402008057},{"text":"With the income protection, what were you thinking?","start":3060.845,"end":3062.945,"sentiment":"neutral","sentiment_score":0.04752435814589262}],"sentiment":"neutral","sentiment_score":0.1617169672889369,"channel":0,"num_words":14,"start":3057.485,"end":3062.945},{"sentences":[{"text":"Well, if they're saying that it's a deficit of...","start":3065.05,"end":3067.55,"sentiment":"neutral","sentiment_score":-0.03798029695947965},{"text":"What was it?","start":3067.77,"end":3068.41,"sentiment":"neutral","sentiment_score":-0.03418409017225107},{"text":"2,000?","start":3068.41,"end":3069.15,"sentiment":"neutral","sentiment_score":-0.022296607494354248}],"sentiment":"neutral","sentiment_score":-0.03589781158818649,"channel":1,"num_words":13,"start":3065.05,"end":3069.15},{"sentences":[{"text":"Well, based on your income of 125,500, the you aren't...","start":3069.91,"end":3077.9548,"sentiment":"neutral","sentiment_score":-0.02331413310021162},{"text":"You you do have a shortfall of about 2,000 that you can insure for your income.","start":3078.015,"end":3082.1948,"sentiment":"neutral","sentiment_score":-0.10724159423261881},{"text":"So if you were injured now, right now, I'm gonna jump back to...","start":3082.255,"end":3087.9348,"sentiment":"neutral","sentiment_score":-0.11873116344213486},{"text":"Or unable to work due to illness, for example, the maximum you'd receive per month is $5,304.","start":3087.9348,"end":3095.3901,"sentiment":"neutral","sentiment_score":-0.11753648168900434}],"sentiment":"neutral","sentiment_score":-0.0980470027175865,"channel":0,"num_words":56,"start":3069.91,"end":3095.3901},{"sentences":[{"text":"Okay.","start":3097.2249,"end":3097.7249,"sentiment":"neutral","sentiment_score":-0.035926464945077896},{"text":"Which is probably what I'm living on now.","start":3100.265,"end":3105.9648,"sentiment":"neutral","sentiment_score":-0.032914597541093826},{"text":"Will that come out of my up 24?","start":3112.24,"end":3115.3801,"sentiment":"neutral","sentiment_score":-0.02198603400029242}],"sentiment":"neutral","sentiment_score":-0.02794891278095105,"channel":1,"num_words":17,"start":3097.2249,"end":3115.3801},{"sentences":[{"text":"Yes.","start":3116.58,"end":3117.06,"sentiment":"neutral","sentiment_score":0.017305094748735428},{"text":"Yep.","start":3117.06,"end":3117.4602,"sentiment":"neutral","sentiment_score":0.015871943905949593},{"text":"So if we go to the next pay...","start":3117.4602,"end":3120.58,"sentiment":"neutral","sentiment_score":-0.00153281819075346},{"text":"Oh, not the next page.","start":3120.58,"end":3121.62,"sentiment":"neutral","sentiment_score":-0.018328245356678964},{"text":"Let's call it page 34.","start":3121.62,"end":3123.4001,"sentiment":"neutral","sentiment_score":0.0022283684462308883}],"sentiment":"neutral","sentiment_score":-0.0029792445711791515,"channel":0,"num_words":20,"start":3116.58,"end":3123.4001},{"sentences":[{"text":"It does show you the impact.","start":3123.7002,"end":3125.4001,"sentiment":"neutral","sentiment_score":-0.0011475362504522009},{"text":"So...","start":3125.4602,"end":3125.9602,"sentiment":"neutral","sentiment_score":-0.010184574872255324},{"text":"Of the premium on your balance.","start":3126.1802,"end":3128.28,"sentiment":"neutral","sentiment_score":-0.024896529813607533},{"text":"So there's a little table there that says premium five year impact, eleven year impact.","start":3130.495,"end":3135.215,"sentiment":"neutral","sentiment_score":-0.009495303484921653},{"text":"So eleven year being for retirement, current, and recommended.","start":3135.215,"end":3138.915,"sentiment":"neutral","sentiment_score":-0.002322265257438024}],"sentiment":"neutral","sentiment_score":-0.008912943536415696,"channel":0,"num_words":37,"start":3123.7002,"end":3138.915},{"sentences":[{"text":"So it does have a impact on your balance, most certainly.","start":3139.455,"end":3143.0398,"sentiment":"neutral","sentiment_score":-0.03979138013991443},{"text":"You can see from those tables","start":3143.18,"end":3144.72,"sentiment":"neutral","sentiment_score":0.0020058732479810715}],"sentiment":"neutral","sentiment_score":-0.02503940835595131,"channel":0,"num_words":17,"start":3139.455,"end":3144.72},{"sentences":[{"text":"Yep.","start":3145.1501,"end":3145.6501,"sentiment":"neutral","sentiment_score":-0.010488683357834816}],"sentiment":"neutral","sentiment_score":-0.010488683357834816,"channel":1,"num_words":1,"start":3145.1501,"end":3145.6501},{"sentences":[{"text":"and those figures.","start":3145.26,"end":3146.3198,"sentiment":"neutral","sentiment_score":-0.004465218012531598},{"text":"Even just the small amount a thousand dollars makes a year can have a big difference, But to weigh the option as well is if you are unable to work or or you were injured, could you meet your income needs based on your current sum","start":3149.66,"end":3170.67,"sentiment":"neutral","sentiment_score":-0.015836534981170425}],"sentiment":"neutral","sentiment_score":-0.015140331901457846,"channel":0,"num_words":49,"start":3145.26,"end":3170.67},{"sentences":[{"text":"Yep.","start":3171.51,"end":3172.01,"sentiment":"neutral","sentiment_score":0.006668277084827423},{"text":"Yep.","start":3172.23,"end":3172.73,"sentiment":"neutral","sentiment_score":0.03015558049082756},{"text":"And that's okay.","start":3172.87,"end":3173.85,"sentiment":"neutral","sentiment_score":0.05822798361380895},{"text":"I mean, let's let's do that.","start":3173.9102,"end":3176.605,"sentiment":"neutral","sentiment_score":0.043447939679026604},{"text":"Let's, you know,","start":3176.605,"end":3177.545,"sentiment":"neutral","sentiment_score":0.007391280805071195}],"sentiment":"neutral","sentiment_score":0.03531209206474679,"channel":1,"num_words":14,"start":3171.51,"end":3177.545},{"sentences":[{"text":"insured?","start":3178.75,"end":3179.25,"sentiment":"neutral","sentiment_score":-0.011039862409234049}],"sentiment":"neutral","sentiment_score":-0.011039862409234049,"channel":0,"num_words":1,"start":3178.75,"end":3179.25},{"sentences":[{"text":"change the shortfall because stuff happens.","start":3179.765,"end":3182.025,"sentiment":"neutral","sentiment_score":-0.06807982549071312},{"text":"Life happens.","start":3182.085,"end":3182.805,"sentiment":"neutral","sentiment_score":-0.062427688390016556},{"text":"I'm","start":3182.805,"end":3182.965,"sentiment":"neutral","sentiment_score":-0.07092183828353882}],"sentiment":"neutral","sentiment_score":-0.06713957422309452,"channel":1,"num_words":9,"start":3179.765,"end":3182.965},{"sentences":[{"text":"Yep.","start":3182.91,"end":3182.99,"sentiment":"neutral","sentiment_score":-0.06503445655107498}],"sentiment":"neutral","sentiment_score":-0.06503445655107498,"channel":0,"num_words":1,"start":3182.91,"end":3182.99},{"sentences":[{"text":"not","start":3182.965,"end":3183.445,"sentiment":"neutral","sentiment_score":-0.1078324019908905}],"sentiment":"neutral","sentiment_score":-0.1078324019908905,"channel":1,"num_words":1,"start":3182.965,"end":3183.445},{"sentences":[{"text":"Yep.","start":3182.99,"end":3183.49,"sentiment":"neutral","sentiment_score":-0.09480779618024826}],"sentiment":"neutral","sentiment_score":-0.09480779618024826,"channel":0,"num_words":1,"start":3182.99,"end":3183.49},{"sentences":[{"text":"drinking anymore.","start":3183.445,"end":3184.425,"sentiment":"neutral","sentiment_score":-0.14402354508638382},{"text":"You know, I think I'm still young.","start":3185.365,"end":3188.25,"sentiment":"neutral","sentiment_score":-0.10679881381137031}],"sentiment":"neutral","sentiment_score":-0.11507097631692886,"channel":1,"num_words":9,"start":3183.445,"end":3188.25},{"sentences":[{"text":"That's alright.","start":3189.085,"end":3189.9849,"sentiment":"neutral","sentiment_score":0.07812043651938438},{"text":"No.","start":3190.125,"end":3190.4448,"sentiment":"neutral","sentiment_score":-0.1575242280960083},{"text":"I I hear you.","start":3190.4448,"end":3191.565,"sentiment":"neutral","sentiment_score":-0.16185414791107178},{"text":"I'm the same.","start":3191.565,"end":3192.545,"sentiment":"neutral","sentiment_score":-0.06489277879397075},{"text":"Alright.","start":3192.6848,"end":3193.085,"sentiment":"neutral","sentiment_score":0.09790684282779694}],"sentiment":"neutral","sentiment_score":-0.06777013093233109,"channel":0,"num_words":11,"start":3189.085,"end":3193.085},{"sentences":[{"text":"So that's okay.","start":3193.085,"end":3193.885,"sentiment":"neutral","sentiment_score":0.20877055327097574},{"text":"I'll make a note of that.","start":3193.885,"end":3195.265,"sentiment":"neutral","sentiment_score":0.12493707487980525},{"text":"The risks of implementing the income protection is that you're gonna pay more for it, which we've just talked through.","start":3197.565,"end":3203.9,"sentiment":"neutral","sentiment_score":-0.27626523077487947},{"text":"We do need to go through the application process again, so there will be a...","start":3205.0798,"end":3209.98,"sentiment":"neutral","sentiment_score":-0.06077211027344068},{"text":"You will need to complete a application and being the health questions and all that when you applied for your original policy for the increase in that small amount of cover, but any loadings will not be applied to your existing cover.","start":3210.1199,"end":3222.465,"sentiment":"neutral","sentiment_score":-0.0886341446034965}],"sentiment":"neutral","sentiment_score":-0.10213472364946853,"channel":0,"num_words":86,"start":3193.085,"end":3222.465},{"sentences":[{"text":"It's only the new cover you're taking out now.","start":3222.465,"end":3224.5452,"sentiment":"neutral","sentiment_score":-0.11917225437031852},{"text":"So we won't be touching the existing because we don't want to put you in a 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20 now, so he's an adult.","start":3280.365,"end":3282.545,"sentiment":"neutral","sentiment_score":0.050621133763343096}],"sentiment":"neutral","sentiment_score":0.050329758061303034,"channel":1,"num_words":9,"start":3279.1099,"end":3282.545},{"sentences":[{"text":"Yep.","start":3283.1648,"end":3283.56,"sentiment":"neutral","sentiment_score":0.13678288459777832}],"sentiment":"neutral","sentiment_score":0.13678288459777832,"channel":0,"num_words":1,"start":3283.1648,"end":3283.56},{"sentences":[{"text":"Yeah.","start":3286.285,"end":3286.785,"sentiment":"neutral","sentiment_score":0.24612678587436676},{"text":"So","start":3287.0051,"end":3287.5051,"sentiment":"neutral","sentiment_score":0.30643317103385925}],"sentiment":"neutral","sentiment_score":0.276279978454113,"channel":1,"num_words":2,"start":3286.285,"end":3287.5051},{"sentences":[{"text":"We can definitely nominate 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the government will tax the benefits on.","start":3314.75,"end":3320.3699,"sentiment":"neutral","sentiment_score":-0.05925856956413814},{"text":"If it is paid to your will, it will be 15% only.","start":3320.75,"end":3325.0452,"sentiment":"neutral","sentiment_score":-0.04963914770632982},{"text":"So you will save...","start":3325.0452,"end":3326.185,"sentiment":"neutral","sentiment_score":0.01334916241466999},{"text":"The estate will save on the 2% Medicare.","start":3326.3252,"end":3328.985,"sentiment":"neutral","sentiment_score":0.05825895722955465},{"text":"So we can certainly name your son as the beneficiary, but just so you're aware, that's how it will be taxed.","start":3329.125,"end":3336.69,"sentiment":"neutral","sentiment_score":0.05326031432265327}],"sentiment":"neutral","sentiment_score":0.003604155286388882,"channel":0,"num_words":59,"start":3314.75,"end":3336.69},{"sentences":[{"text":"Yeah.","start":3339.035,"end":3339.355,"sentiment":"neutral","sentiment_score":-0.027150653302669525},{"text":"Well, everything's taxed anyway.","start":3339.355,"end":3340.875,"sentiment":"neutral","sentiment_score":-0.14472439140081406},{"text":"It's just a matter of...","start":3340.875,"end":3342.14,"sentiment":"neutral","sentiment_score":-0.07426820695400238}],"sentiment":"neutral","sentiment_score":-0.09773892536759377,"channel":1,"num_words":10,"start":3339.035,"end":3342.14},{"sentences":[{"text":"A matter of when.","start":3343.81,"end":3344.69,"sentiment":"neutral","sentiment_score":-0.09647577442228794},{"text":"That's right.","start":3344.69,"end":3345.25,"sentiment":"neutral","sentiment_score":0.003119868517387658},{"text":"Isn't it?","start":3345.25,"end":3346.0698,"sentiment":"neutral","sentiment_score":-0.03261978831142187}],"sentiment":"neutral","sentiment_score":-0.055612867159652524,"channel":0,"num_words":8,"start":3343.81,"end":3346.0698},{"sentences":[{"text":"Really?","start":3346.2798,"end":3346.7798,"sentiment":"neutral","sentiment_score":-0.03911849111318588},{"text":"So the state is is taxed at 78%, whereas the wheel is at fifty 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next document over is the appendix to the statement of of advice.","start":3898.45,"end":3903.515,"sentiment":"neutral","sentiment_score":0.04330307121078173},{"text":"So that that is running through that.","start":3903.515,"end":3907.375,"sentiment":"neutral","sentiment_score":0.03634959139994213},{"text":"There's a risk profile page.","start":3907.595,"end":3909.355,"sentiment":"neutral","sentiment_score":0.021038562431931494}],"sentiment":"neutral","sentiment_score":0.058342111258146666,"channel":0,"num_words":48,"start":3887.73,"end":3909.355},{"sentences":[{"text":"So that will go...","start":3909.355,"end":3910.475,"sentiment":"neutral","sentiment_score":0.022569340653717518},{"text":"It shows you the different types of risk profile.","start":3910.475,"end":3912.7349,"sentiment":"neutral","sentiment_score":0.034967240360048085},{"text":"You're down the middle there as a growth investor, and it just shows you the typical typical allocation would have to different 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that.","start":3922.635,"end":3923.455,"sentiment":"neutral","sentiment_score":-0.05942504107952118},{"text":"Page 53.","start":3923.5151,"end":3924.3152,"sentiment":"neutral","sentiment_score":-0.011291052680462599},{"text":"Do I have to hit the next button?","start":3924.3152,"end":3925.7751,"sentiment":"neutral","sentiment_score":-0.02781042456626892}],"sentiment":"neutral","sentiment_score":-0.030326298670843244,"channel":1,"num_words":12,"start":3922.635,"end":3925.7751},{"sentences":[{"text":"Oh, yes.","start":3926.435,"end":3926.9949,"sentiment":"neutral","sentiment_score":-0.008976372890174389},{"text":"Sorry.","start":3926.9949,"end":3927.315,"sentiment":"neutral","sentiment_score":-0.02909417450428009},{"text":"Yes.","start":3927.315,"end":3927.635,"sentiment":"neutral","sentiment_score":0.007923450320959091},{"text":"Hit the next button.","start":3927.635,"end":3928.595,"sentiment":"neutral","sentiment_score":-0.015676700277253985},{"text":"Sorry.","start":3928.595,"end":3929.075,"sentiment":"neutral","sentiment_score":-0.11732255667448044}],"sentiment":"neutral","sentiment_score":-0.02435031419412957,"channel":0,"num_words":9,"start":3926.435,"end":3929.075},{"sentences":[{"text":"That's my mistake there.","start":3929.075,"end":3930.455,"sentiment":"neutral","sentiment_score":-0.23453426361083984}],"sentiment":"neutral","sentiment_score":-0.23453426361083984,"channel":0,"num_words":4,"start":3929.075,"end":3930.455},{"sentences":[{"text":"Oh, no.","start":3931.3699,"end":3931.69,"sentiment":"neutral","sentiment_score":-0.16932590305805206},{"text":"It's asking me to sign now before I can go 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signature.","start":3940.89,"end":3942.75,"sentiment":"neutral","sentiment_score":-0.09503537323325872}],"sentiment":"neutral","sentiment_score":-0.08873748779296875,"channel":1,"num_words":9,"start":3940.57,"end":3942.75},{"sentences":[{"text":"again.","start":3947.09,"end":3947.4902,"sentiment":"neutral","sentiment_score":-0.06054213643074035},{"text":"Yeah.","start":3947.4902,"end":3947.7302,"sentiment":"neutral","sentiment_score":-0.09318073093891144},{"text":"It shouldn't do that.","start":3947.7302,"end":3949.03,"sentiment":"neutral","sentiment_score":-0.2558930441737175},{"text":"I wonder if it's how it's been set.","start":3949.4902,"end":3951.405,"sentiment":"neutral","sentiment_score":-0.22873133420944214},{"text":"Did you want me to just talk through the appendix?","start":3954.045,"end":3957.245,"sentiment":"neutral","sentiment_score":-0.08566724061965943}],"sentiment":"neutral","sentiment_score":-0.16099242183069387,"channel":0,"num_words":24,"start":3947.09,"end":3957.245},{"sentences":[{"text":"It's basically just factual information.","start":3957.245,"end":3960.065,"sentiment":"neutral","sentiment_score":-0.10036050975322723},{"text":"Nothing specific like the document we've actually talked through.","start":3961.805,"end":3965.105,"sentiment":"neutral","sentiment_score":-0.2483062661356396},{"text":"I'm just trying to think the best way to navigate that, and and it won't let you at all.","start":3967.0798,"end":3972.38,"sentiment":"neutral","sentiment_score":-0.31586861767266927},{"text":"Okay.","start":3972.92,"end":3973.24,"sentiment":"neutral","sentiment_score":-0.01699039712548256},{"text":"Let me jump in in the background.","start":3973.24,"end":3975.18,"sentiment":"neutral","sentiment_score":0.006251880100795201}],"sentiment":"neutral","sentiment_score":-0.21247048576067135,"channel":0,"num_words":41,"start":3957.245,"end":3975.18},{"sentences":[{"text":"Let's see.","start":3980.5999,"end":3981.635,"sentiment":"neutral","sentiment_score":0.007143612485378981}],"sentiment":"neutral","sentiment_score":0.007143612485378981,"channel":0,"num_words":2,"start":3980.5999,"end":3981.635},{"sentences":[{"text":"Yeah.","start":3982.205,"end":3982.705,"sentiment":"neutral","sentiment_score":-0.0321248322725296}],"sentiment":"neutral","sentiment_score":-0.0321248322725296,"channel":1,"num_words":1,"start":3982.205,"end":3982.705},{"sentences":[{"text":"No.","start":3996.2002,"end":3996.36,"sentiment":"neutral","sentiment_score":-0.327511727809906},{"text":"It won't let me change it.","start":3996.36,"end":3997.9001,"sentiment":"negative","sentiment_score":-0.37030914922555286},{"text":"I might just explain it.","start":3999.4802,"end":4001.08,"sentiment":"neutral","sentiment_score":-0.10301916301250458},{"text":"Is that okay?","start":4001.08,"end":4001.9802,"sentiment":"neutral","sentiment_score":-0.02673729509115219},{"text":"And what...","start":4002.6,"end":4005.1,"sentiment":"neutral","sentiment_score":-0.17288073152303696}],"sentiment":"neutral","sentiment_score":-0.20531975214972215,"channel":0,"num_words":17,"start":3996.2002,"end":4005.1},{"sentences":[{"text":"I mean, if...","start":4005.7202,"end":4006.6802,"sentiment":"neutral","sentiment_score":-0.21227867404619852},{"text":"I don't want you to sign the statement of advice because you haven't had the chance to read it in full and understand it and come back with any questions that you could possibly have.","start":4006.6802,"end":4015.9949,"sentiment":"neutral","sentiment_score":-0.24194447015013013},{"text":"So I'll just talk through the appendix.","start":4017.095,"end":4018.875,"sentiment":"neutral","sentiment_score":0.0726159933422293},{"text":"It's a generalized table that talks through the risk profile, so it will show you the difference between a balanced, balanced growth, growth, high growth, and aggressive investor.","start":4021.015,"end":4029.73,"sentiment":"neutral","sentiment_score":0.12643261613058193},{"text":"And they've all got different allocations that we typically invest in to the growth and defensive portfolio, but then it breaks it down further to the Australian shares, international share markets, and so on.","start":4030.03,"end":4041.755,"sentiment":"neutral","sentiment_score":0.080659106702489}],"sentiment":"neutral","sentiment_score":-0.02162670695753855,"channel":0,"num_words":107,"start":4005.7202,"end":4041.755},{"sentences":[{"text":"The important information and relationship part of this document is the same for everybody.","start":4043.255,"end":4048.795,"sentiment":"neutral","sentiment_score":0.15933612787297793},{"text":"It is general notifications that the contents of the SOA is based on the information that you have provided to me, and I've taken all reasonable steps to ensure that it's correct.","start":4049.015,"end":4061.33,"sentiment":"neutral","sentiment_score":0.11437943880446255},{"text":"The advice is solely prepared for you as it is specific to your personal situation.","start":4064.51,"end":4071.825,"sentiment":"neutral","sentiment_score":-0.05375086839000384},{"text":"So showing it with a friend, for example, wouldn't be beneficial to them because it's not based on their personal situation.","start":4071.9648,"end":4079.7449,"sentiment":"neutral","sentiment_score":-0.16711361422425225},{"text":"The currency of the SOEs, SOA means that the advice and the document is valid for sixty 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can't I can't get into what you're...","start":4179.4253,"end":4184.2803,"sentiment":"neutral","sentiment_score":-0.1817585788667202},{"text":"You know, after the...","start":4184.2803,"end":4185.16,"sentiment":"neutral","sentiment_score":-0.07457890827208757},{"text":"What you're talking about now.","start":4185.16,"end":4186.54,"sentiment":"neutral","sentiment_score":-0.08979274928569794}],"sentiment":"neutral","sentiment_score":-0.139446777424642,"channel":1,"num_words":21,"start":4179.4253,"end":4186.54},{"sentences":[{"text":"yep.","start":4187.075,"end":4187.575,"sentiment":"neutral","sentiment_score":-0.13896067440509796}],"sentiment":"neutral","sentiment_score":-0.13896067440509796,"channel":0,"num_words":1,"start":4187.075,"end":4187.575},{"sentences":[{"text":"I can't get into that because then it won't allow me to go any further.","start":4187.08,"end":4190.3804,"sentiment":"neutral","sentiment_score":-0.27077494164307914},{"text":"But 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talked through what you can expect your super balance to be, this one's pretty important, and I'll reference it in the email to you.","start":4209.625,"end":4221.4854,"sentiment":"neutral","sentiment_score":0.3331587617595991},{"text":"It just shows you those projected returns and fees with no salary sacrifice option.","start":4222.85,"end":4228.53,"sentiment":"neutral","sentiment_score":0.2431517927242177}],"sentiment":"neutral","sentiment_score":0.32560971468963007,"channel":0,"num_words":54,"start":4203.26,"end":4228.53},{"sentences":[{"text":"So that's the...","start":4228.53,"end":4229.41,"sentiment":"neutral","sentiment_score":-0.012507785732547442},{"text":"Those are the returns and the fees that you can expect to see because we're not gonna proceed with the salary sacrifice at the moment.","start":4229.41,"end":4235.27,"sentiment":"neutral","sentiment_score":-0.12367035955190658}],"sentiment":"neutral","sentiment_score":-0.11176008378554668,"channel":0,"num_words":28,"start":4228.53,"end":4235.27},{"sentences":[{"text":"Yes.","start":4235.6597,"end":4236.1597,"sentiment":"neutral","sentiment_score":0.24929606914520264}],"sentiment":"neutral","sentiment_score":0.24929606914520264,"channel":1,"num_words":1,"start":4235.6597,"end":4236.1597},{"sentences":[{"text":"So I'll I'll outline that in the email.","start":4236.065,"end":4238.085,"sentiment":"neutral","sentiment_score":0.22951754555106163},{"text":"And then it...","start":4239.4253,"end":4240.705,"sentiment":"neutral","sentiment_score":0.09684609125057857},{"text":"I did consider other insurance companies.","start":4240.705,"end":4242.545,"sentiment":"neutral","sentiment_score":0.05766632221639156},{"text":"So there's a couple of other insurance companies in there for trauma insurance.","start":4242.545,"end":4245.765,"sentiment":"neutral","sentiment_score":0.0734296074280372},{"text":"They were discounted because their loadings were higher than what TAO was offering.","start":4246.3853,"end":4253.9,"sentiment":"neutral","sentiment_score":0.10372730201253524}],"sentiment":"neutral","sentiment_score":0.11106317195781441,"channel":0,"num_words":43,"start":4236.065,"end":4253.9},{"sentences":[{"text":"And then the same as always, there is an information piece at the end of that document that explains life insurance that's held through super and how that works.","start":4254.36,"end":4264.14,"sentiment":"neutral","sentiment_score":0.23011637761675077},{"text":"And then on the back of that is the PDF for the Cal insurance income protection is the updated PDF.","start":4265.895,"end":4272.715,"sentiment":"neutral","sentiment_score":0.159743270277977},{"text":"So that's all those documents.","start":4272.935,"end":4275.435,"sentiment":"neutral","sentiment_score":0.2388194441795349},{"text":"I'm gonna put that appendix and the PDF on an email for you so you have that to review.","start":4275.655,"end":4283.25,"sentiment":"neutral","sentiment_score":0.3055233492663032},{"text":"And what I would ask is read through that document.","start":4284.11,"end":4288.8496,"sentiment":"neutral","sentiment_score":0.1731071226298809}],"sentiment":"neutral","sentiment_score":0.22407653541809106,"channel":0,"num_words":83,"start":4254.36,"end":4288.8496},{"sentences":[{"text":"If you have any questions before you sign, please reach out whether it be email or a phone call.","start":4289.63,"end":4297.9453,"sentiment":"neutral","sentiment_score":0.09694208910590724},{"text":"I'll make the time to run through any questions that you have before you are happy to proceed.","start":4297.9453,"end":4305.4053,"sentiment":"neutral","sentiment_score":0.21552666193909115}],"sentiment":"neutral","sentiment_score":0.15463188129502373,"channel":0,"num_words":37,"start":4289.63,"end":4305.4053},{"sentences":[{"text":"Okay.","start":4306.235,"end":4306.735,"sentiment":"neutral","sentiment_score":0.06954880803823471},{"text":"Alright.","start":4307.04,"end":4307.54,"sentiment":"neutral","sentiment_score":0.07336082309484482},{"text":"So should I wait?","start":4308.5596,"end":4309.84,"sentiment":"neutral","sentiment_score":0.0029518413357436657},{"text":"Or...","start":4309.84,"end":4310.34,"sentiment":"neutral","sentiment_score":-0.03239747881889343},{"text":"I'll wait till I get those documents before I sign in.","start":4310.96,"end":4313.54,"sentiment":"neutral","sentiment_score":-0.014316779984669252}],"sentiment":"neutral","sentiment_score":-0.0019536145652333894,"channel":1,"num_words":18,"start":4306.235,"end":4313.54},{"sentences":[{"text":"Yeah.","start":4314.05,"end":4314.29,"sentiment":"neutral","sentiment_score":0.14060722291469574},{"text":"That's absolutely fine.","start":4314.29,"end":4315.57,"sentiment":"neutral","sentiment_score":0.28717421491940814},{"text":"I just...","start":4315.57,"end":4317.19,"sentiment":"neutral","sentiment_score":0.10185256600379944},{"text":"I'd I'd like to make sure that any information...","start":4317.65,"end":4320.725,"sentiment":"neutral","sentiment_score":-0.007100708472232024},{"text":"Any...","start":4321.025,"end":4321.525,"sentiment":"neutral","sentiment_score":-0.023938264697790142}],"sentiment":"neutral","sentiment_score":0.06987439742079005,"channel":0,"num_words":16,"start":4314.05,"end":4321.525},{"sentences":[{"text":"Like, that you're...","start":4321.665,"end":4322.4653,"sentiment":"neutral","sentiment_score":-0.03227697561184565},{"text":"You have informed consent so you understand","start":4322.4653,"end":4325.125,"sentiment":"neutral","sentiment_score":-0.00840901689870017}],"sentiment":"neutral","sentiment_score":-0.015569404512643815,"channel":0,"num_words":10,"start":4321.665,"end":4325.125},{"sentences":[{"text":"Yes.","start":4324.655,"end":4325.155,"sentiment":"neutral","sentiment_score":0.058804742991924286}],"sentiment":"neutral","sentiment_score":0.058804742991924286,"channel":1,"num_words":1,"start":4324.655,"end":4325.155},{"sentences":[{"text":"exactly what it is that we're doing and the purpose and everything.","start":4325.185,"end":4328.065,"sentiment":"neutral","sentiment_score":0.10251848089198272},{"text":"So I'm gonna pop those on an email to you now, and you should have those momentarily.","start":4328.065,"end":4332.725,"sentiment":"neutral","sentiment_score":0.24804791720474467}],"sentiment":"neutral","sentiment_score":0.1878288401098087,"channel":0,"num_words":29,"start":4325.185,"end":4332.725},{"sentences":[{"text":"Perfect.","start":4333.775,"end":4334.275,"sentiment":"positive","sentiment_score":0.5964705944061279},{"text":"Okay.","start":4334.39,"end":4334.63,"sentiment":"neutral","sentiment_score":0.3080582618713379},{"text":"And then I'll go back into this document and then once I've read them and find it.","start":4334.63,"end":4339.19,"sentiment":"neutral","sentiment_score":0.1968179424019421},{"text":"And then I'll come through to you automatically.","start":4339.19,"end":4340.89,"sentiment":"neutral","sentiment_score":0.18026593513786793},{"text":"Yeah?","start":4341.0303,"end":4341.5303,"sentiment":"neutral","sentiment_score":0.12661437690258026}],"sentiment":"neutral","sentiment_score":0.2078277048255716,"channel":1,"num_words":28,"start":4333.775,"end":4341.5303},{"sentences":[{"text":"Yeah.","start":4342.12,"end":4342.44,"sentiment":"neutral","sentiment_score":0.1191246062517166},{"text":"Yeah.","start":4342.44,"end":4342.76,"sentiment":"neutral","sentiment_score":0.1037350296974182},{"text":"So then following that, what will happen is members of our team will reach out to you of our implementation team to fill out the...","start":4342.76,"end":4350.6553,"sentiment":"neutral","sentiment_score":0.07991551890969277},{"text":"You'll receive beneficiary forms to update the beneficiary to, Gabrielle, and, a member of our team will reach out to you to start the, application process to increase the insurance premium...","start":4350.835,"end":4364.43,"sentiment":"neutral","sentiment_score":0.11688079312443733},{"text":"Oh, the income protection policy.","start":4364.43,"end":4366.1304,"sentiment":"neutral","sentiment_score":-0.05658281370997429}],"sentiment":"neutral","sentiment_score":0.0882720337618911,"channel":0,"num_words":63,"start":4342.12,"end":4366.1304},{"sentences":[{"text":"Yes.","start":4370.0996,"end":4370.34,"sentiment":"neutral","sentiment_score":0.0008659530431032181},{"text":"Sorry.","start":4370.34,"end":4370.84,"sentiment":"neutral","sentiment_score":-0.15531104803085327},{"text":"Just write this down.","start":4371.38,"end":4372.5996,"sentiment":"neutral","sentiment_score":-0.20568354427814484}],"sentiment":"neutral","sentiment_score":-0.16286321201672158,"channel":1,"num_words":6,"start":4370.0996,"end":4372.5996},{"sentences":[{"text":"That's okay.","start":4373.39,"end":4374.21,"sentiment":"neutral","sentiment_score":0.00724450871348381},{"text":"And, actually, while I've got you, let me double check to make sure the ID we have on you on file has not expired.","start":4374.35,"end":4382.555,"sentiment":"neutral","sentiment_score":-0.014534519364436468},{"text":"It has.","start":4387.415,"end":4388.1553,"sentiment":"neutral","sentiment_score":-0.008523883298039436},{"text":"So can I also ask?","start":4388.375,"end":4390.375,"sentiment":"neutral","sentiment_score":0.02477210611104965},{"text":"I'll put in an email as well.","start":4390.375,"end":4392.1553,"sentiment":"neutral","sentiment_score":0.06059163170201438}],"sentiment":"neutral","sentiment_score":0.004915368463844061,"channel":0,"num_words":40,"start":4373.39,"end":4392.1553},{"sentences":[{"text":"If you can just take a photo of the front and back of your driver's license and send that back to me.","start":4393.5303,"end":4399.5503,"sentiment":"neutral","sentiment_score":0.05318186770785938},{"text":"Sure.","start":4399.61,"end":4400.11,"sentiment":"neutral","sentiment_score":0.13257242739200592},{"text":"And, additionally, what I'm gonna send you is a link separate to the email you're gonna get from me now.","start":4400.89,"end":4406.75,"sentiment":"neutral","sentiment_score":0.0892936648800969},{"text":"I'll send it within the next hour.","start":4407.465,"end":4410.045,"sentiment":"neutral","sentiment_score":0.08087585334266935},{"text":"I...","start":4410.425,"end":4410.925,"sentiment":"neutral","sentiment_score":0.004093279596418142}],"sentiment":"neutral","sentiment_score":0.07173864838356774,"channel":0,"num_words":51,"start":4393.5303,"end":4410.925},{"sentences":[{"text":"It'll be a link from the f...","start":4411.8647,"end":4413.645,"sentiment":"neutral","sentiment_score":0.0038455811861370292},{"text":"It'll say f triple a safe ID.","start":4413.705,"end":4416.2847,"sentiment":"neutral","sentiment_score":0.026754769895757948},{"text":"What that does is we're required by law to make sure that people are estranged citizens, residency for tax purposes, whether they're politically exposed people, all those types of things.","start":4417.7847,"end":4436.2803,"sentiment":"neutral","sentiment_score":-0.008686766276756923},{"text":"And this service being the f triple a, which is the Financial Advice Association of Australia, offers this service to us.","start":4436.755,"end":4443.415,"sentiment":"neutral","sentiment_score":0.1751587220600673},{"text":"We pay for it, and it's just you completing your details.","start":4444.355,"end":4447.495,"sentiment":"neutral","sentiment_score":0.23080012473193082}],"sentiment":"neutral","sentiment_score":0.08119386848135803,"channel":0,"num_words":76,"start":4411.8647,"end":4447.495},{"sentences":[{"text":"It runs a check-in the background against all the government databases and gives us an answer so that we can make sure that we've fulfilled our obligations in relation to our legislative requirements as an advice...","start":4448.355,"end":4460.67,"sentiment":"neutral","sentiment_score":0.09504816536274222},{"text":"As an...","start":4460.67,"end":4461.33,"sentiment":"neutral","sentiment_score":-0.010868539102375507},{"text":"A financial advice firm.","start":4461.4697,"end":4463.41,"sentiment":"neutral","sentiment_score":-0.020432899240404367},{"text":"So if I can...","start":4464.215,"end":4465.255,"sentiment":"neutral","sentiment_score":0.010074822697788477},{"text":"I'll send that to you just so you...","start":4465.255,"end":4466.535,"sentiment":"neutral","sentiment_score":0.032157952431589365}],"sentiment":"neutral","sentiment_score":0.06695978126178186,"channel":0,"num_words":54,"start":4448.355,"end":4466.535},{"sentences":[{"text":"When you receive it, you know that it's not spam, and I'll mention it in the email as well just so you know it's not.","start":4466.535,"end":4471.755,"sentiment":"neutral","sentiment_score":-0.05456062808632851},{"text":"Beautiful.","start":4473.735,"end":4474.235,"sentiment":"positive","sentiment_score":0.7013307213783264},{"text":"Alright, Carmen.","start":4474.695,"end":4475.495,"sentiment":"positive","sentiment_score":0.5025327950716019},{"text":"Well, again, any questions that you have once you have gone through it, please reach out.","start":4475.495,"end":4479.14,"sentiment":"neutral","sentiment_score":0.1794214015826583},{"text":"Okay?","start":4479.14,"end":4479.64,"sentiment":"neutral","sentiment_score":0.10245878994464874}],"sentiment":"neutral","sentiment_score":0.07367959610289998,"channel":0,"num_words":45,"start":4466.535,"end":4479.64},{"sentences":[{"text":"Okay.","start":4480.37,"end":4480.69,"sentiment":"neutral","sentiment_score":0.15130457282066345},{"text":"Okay.","start":4480.69,"end":4481.085,"sentiment":"positive","sentiment_score":0.3351755738258362},{"text":"Thank you.","start":4481.485,"end":4482.065,"sentiment":"positive","sentiment_score":0.7230536043643951}],"sentiment":"positive","sentiment_score":0.4831468388438225,"channel":1,"num_words":4,"start":4480.37,"end":4482.065},{"sentences":[{"text":"Thanks, Carmen.","start":4482.66,"end":4483.46,"sentiment":"positive","sentiment_score":0.7593019604682922},{"text":"Enjoy your afternoon.","start":4483.46,"end":4484.44,"sentiment":"positive","sentiment_score":0.8031754692395529}],"sentiment":"positive","sentiment_score":0.7856260657310485,"channel":0,"num_words":5,"start":4482.66,"end":4484.44},{"sentences":[{"text":"You too.","start":4484.685,"end":4485.325,"sentiment":"positive","sentiment_score":0.5823357999324799},{"text":"See you later.","start":4485.325,"end":4486.065,"sentiment":"positive","sentiment_score":0.5018803874651591}],"sentiment":"positive","sentiment_score":0.5340625524520874,"channel":1,"num_words":5,"start":4484.685,"end":4486.065},{"sentences":[{"text":"Bye.","start":4486.1,"end":4486.6,"sentiment":"neutral","sentiment_score":0.2964106500148773}],"sentiment":"neutral","sentiment_score":0.2964106500148773,"channel":0,"num_words":1,"start":4486.1,"end":4486.6},{"sentences":[{"text":"Bye.","start":4486.3647,"end":4486.8647,"sentiment":"neutral","sentiment_score":0.22305230796337128}],"sentiment":"neutral","sentiment_score":0.22305230796337128,"channel":1,"num_words":1,"start":4486.3647,"end":4486.8647},{"sentences":[{"text":"Bye.","start":4487.54,"end":4488.04,"sentiment":"neutral","sentiment_score":-0.06880570948123932}],"sentiment":"neutral","sentiment_score":-0.06880570948123932,"channel":0,"num_words":1,"start":4487.54,"end":4488.04}]},"summary":{"result":"success","short":"The representative from Oakview Financial provides advice on the retirement plan and emphasizes reducing fees and investment fees to increase the customer's portfolio. They also discuss the retirement plan and the possibility of future changes to the retirement plan. The speaker recommends contributions to the super plan and emphasizes the importance of diversifying investments and reducing risk. They also discuss the benefits of a salary sacrifice and the importance of setting goals for health. The speaker provides information on underwriting insurance options, risk profiles, and investment returns, and advises the caller on updating and reviewing documents and providing a link for future reference."},"intents":{"segments":[{"text":"And, Carmen, can I please ask you to confirm your client password? Copy. Sorry?","start_word":62,"end_word":75,"intents":[{"intent":"Confirm understanding","confidence_score":0.0038161213},{"intent":"Confirm client password","confidence_score":0.63904804}]},{"text":"The reason I'm calling today is just to run through the advice presentation that we talked about from our last review just to make the recommended changes. Do you still have time for that? I do.","start_word":89,"end_word":124,"intents":[{"intent":"Run through advice presentation","confidence_score":0.36020464}]},{"text":"Do you still have time for that? I do.","start_word":116,"end_word":124,"intents":[{"intent":"Confirm meeting time","confidence_score":0.0024940397}]},{"text":"I sent you an email probably about five minutes ago with some... A similar to the review process with a a link to sign here through OdooSign and from myself. The the documents we're gonna talk through are contained in that sign here option if you're able to access your emails. Yep.","start_word":128,"end_word":179,"intents":[{"intent":"Confirm email access","confidence_score":0.0013577098}]},{"text":"The the documents we're gonna talk through are contained in that sign here option if you're able to access your emails. Yep.","start_word":158,"end_word":179,"intents":[{"intent":"Access emails","confidence_score":0.5267308},{"intent":"Access emails","confidence_score":0.052577164}]},{"text":"I've got an iPhone. Lovely.","start_word":208,"end_word":212,"intents":[{"intent":"Confirm iphone","confidence_score":0.003544132}]},{"text":"So this document... Well, this section, I'm gonna... It's gonna explain what we're addressing in this advice document today.","start_word":367,"end_word":385,"intents":[{"intent":"Understand advice section","confidence_score":0.00036515237}]},{"text":"So the goals and objectives that we are addressing is your superannuation.","start_word":385,"end_word":396,"intents":[{"intent":"Address goals and objectives","confidence_score":0.025627935}]},{"text":"You would like to understand what trauma insurance covers and what the cost would be.","start_word":465,"end_word":479,"intents":[{"intent":"Understand insurance coverage","confidence_score":0.039553728}]},{"text":"We're preparing for retirement but not recommending it at the moment.","start_word":582,"end_word":592,"intents":[{"intent":"Recommend retirement strategy","confidence_score":0.002063954}]},{"text":"Debt, you wanna reduce your personal debt and potentially purchase a house in the future.","start_word":652,"end_word":666,"intents":[{"intent":"Reduce debt","confidence_score":0.16058227},{"intent":"Purchase house","confidence_score":0.14807482}]},{"text":"Then this limited advice section just covers off on the areas that I am not able to obtain advice in. So I'm not a lawyer or a legal practitioner, so I can't draft that will or estate planning documents.","start_word":682,"end_word":720,"intents":[{"intent":"Draft will","confidence_score":0.04796885}]},{"text":"Then this limited advice section just covers off on the areas that I am not able to obtain advice in. So I'm not a lawyer or a legal practitioner, so I can't draft that will or estate planning documents. Legal attorney does need to do that. Yeah.","start_word":682,"end_word":728,"intents":[{"intent":"Consider attorney","confidence_score":0.00005630415}]},{"text":"And I've actually recommended not only replacing those underperforming investments being the ban along and the phasing out of the hybrid options, but I've recommended a little bit of a restructure of your portfolio.","start_word":998,"end_word":1031,"intents":[{"intent":"Restructure portfolio","confidence_score":0.03084207}]},{"text":"The the advantages are that, again, lesser in... You'll have lesser ongoing investment phase. The disadvantages, though, are there is a capital gains tax of approximately $55.03 that will be paid within the HUB24 super platform.","start_word":1172,"end_word":1207,"intents":[{"intent":"Explain portfolio advantages","confidence_score":0.000776104}]},{"text":"And as we are moving investments around in the background, you know, investments may rise or decline during that time. So there is a a little bit chance there of missing out on potential gains. Any questions there? No.","start_word":1453,"end_word":1491,"intents":[{"intent":"Evaluate investment performance","confidence_score":0.016720645}]},{"text":"That really comes down to... I think a little bit further on, we'll cover off on the retirement.","start_word":1907,"end_word":1924,"intents":[{"intent":"Cover retirement","confidence_score":0.009533963}]},{"text":"We're also going to remove the Global Battery Tech and Lithium Yep. and the BetaShares Australian Bank Hybrid in full along with the VanEck Australian Property and the BetaShares Raffi Australian two hundred.","start_word":2039,"end_word":2071,"intents":[{"intent":"Remove assets","confidence_score":0.0065064584}]},{"text":"So the way the portfolio is structured, there's two different types. If you think about your core your core being your big holding ones, so that will be your Australian shares exposure, your international share exposure. So they're the core of your portfolio, basically.","start_word":2109,"end_word":2152,"intents":[{"intent":"Structure portfolio","confidence_score":0.4320526}]},{"text":"And then we have satellite investments that float around those, and they're designed to provide additional exposure to different growth aspects of the market in niche areas.","start_word":2154,"end_word":2180,"intents":[{"intent":"Explain satellite investments","confidence_score":0.08030052}]},{"text":"The ones that we're investing into that we haven't had in your portfolio before is iShares Europe, iShares Japan, and the Vanguard All World Fund excluding US.","start_word":2528,"end_word":2554,"intents":[{"intent":"Highlight diversification strategy","confidence_score":0.00079281494}]},{"text":"So a lot of our growth in portfolios, realistically, is the American share market where the big companies predominantly, let's call it, live.","start_word":2825,"end_word":2847,"intents":[{"intent":"Describe portfolio growth","confidence_score":0.002712337}]},{"text":"So their portfolio structure's a little bit different. So for example, they have a higher fixed interest component sitting at about 12.25% and a higher cash component sitting at 13%.","start_word":3528,"end_word":3557,"intents":[{"intent":"Assess portfolio structure","confidence_score":0.0053556263}]},{"text":"So this is where I said I'd talk to you more about retirement and your question is whether you needed to work more. So based on our conversations previously, you said you'd need likely about 2,000 per fortnight in retirement if you were debt free. Do you Yeah.","start_word":3731,"end_word":3778,"intents":[{"intent":"Discuss retirement income calculation","confidence_score":0.070733756}]},{"text":"I'll just go back to our original notes. It says at about age 67 with 1,000 a week, but what you earn now is about $1,600 after tax. So depending on the debt situation and your debt free, we looked at a thousand dollars a week.","start_word":4012,"end_word":4057,"intents":[{"intent":"Calculate earnings","confidence_score":0.017981403}]},{"text":"So you're gonna have a tax saving as well because you're not getting taxed on that full taxable income.","start_word":4630,"end_word":4648,"intents":[{"intent":"Clarify tax savings and tax savings","confidence_score":0.0006687503}]},{"text":"I was thinking about salary sacrificing, is Mhmm. that... You know, that might be something from next year onwards? It is completely up to you. Whatever recommendations I'm making here, you are not bound to proceed with them. My job is to give you the recommendations to reach your goals and objectives. You don't have to implement them. It's completely up to you. Okay.","start_word":5337,"end_word":5400,"intents":[{"intent":"Discuss salary sacrifice recommendations","confidence_score":0.28968164}]},{"text":"So the next page is your... Is to apply for an increase in income protection. So your monthly benefit falls short by approximately $2,015 a month.","start_word":5599,"end_word":5624,"intents":[{"intent":"Apply for income protection","confidence_score":0.5029886},{"intent":"Reduce costs","confidence_score":0.002646061}]},{"text":"But what they have said and come back to us is that based on a pre assessment, there would be loadings applied to new cover, not your pre assessment, and that's where they just speak with the insurance company to understand if there's any loadings or exclusions that would be applied to insurance policies.","start_word":5669,"end_word":5722,"intents":[{"intent":"Understand policy policies","confidence_score":0.00066408736}]},{"text":"No. Because this is private. So the insurance companies use a health service. So, yeah, the nurses will come out to you directly. They'll phone you, like, when we get to that stage, if we get to that stage, they'll... It will be covered and arranged and funded through the insurance company. It's not through Medicare or anything like that. Okay.","start_word":5906,"end_word":5966,"intents":[{"intent":"Contact nurse","confidence_score":0.0022236202}]},{"text":"Yes.","start_word":6060,"end_word":6060,"intents":[{"intent":"Clarify and explain payment options","confidence_score":0.0000021244316}]},{"text":"You also asked me to just have a look at trauma insurance, which is the amount that... The type of cover that covers you if you're diagnosed with a specific health condition being... And they range from cancer, heart attack, stroke.","start_word":6171,"end_word":6211,"intents":[{"intent":"Explain insurance coverage","confidence_score":0.012671712}]},{"text":"And with the loading, that comes out at approximately $223.88 per month, and that has to be paid from your personal cash flow as it's unable to be paid from super. Oh, okay.","start_word":6235,"end_word":6267,"intents":[{"intent":"Discuss payment options","confidence_score":0.0013170893}]},{"text":"So, basically, the recommendation, to summarize, is to increase your income protection to make sure you can cover the most you can of your income if you're covered if you are injured or unable to work due to illness, and that the trauma insurance has been recommended should you be diagnosed with a critical event. No. Okay.","start_word":6283,"end_word":6339,"intents":[{"intent":"Discuss current insurance coverage","confidence_score":0.008789739},{"intent":"Discuss traumatic event","confidence_score":0.00008762251},{"intent":"Recommend increased income protection","confidence_score":0.00892919},{"intent":"Discuss current insurance coverage","confidence_score":0.10165419}]},{"text":"My total of the former Yeah. is pretty much okay apart from blood pressure according to my blood test. That's fantastic news. That is good news from... Yeah. So, yeah, Yeah. we might revisit that next year. Yeah.","start_word":6339,"end_word":6376,"intents":[{"intent":"Discuss past insurance coverage","confidence_score":0.0019038491}]},{"text":"we might revisit that next year. Yeah.","start_word":6370,"end_word":6376,"intents":[{"intent":"Discuss future coverage","confidence_score":0.025824545},{"intent":"Explain potential scenario","confidence_score":0.0000024905778},{"intent":"Clarify future coverage","confidence_score":0.00097271043},{"intent":"Report future visits","confidence_score":0.00004748979}]},{"text":"Well, based on your income of 125,500, the you aren't... You you do have a shortfall of about 2,000 that you can insure for your income. So if you were injured now, right now, I'm gonna jump back to... Or unable to work due to illness, for example, the maximum you'd receive per month is $5,304. Okay.","start_word":6403,"end_word":6459,"intents":[{"intent":"Discuss current income","confidence_score":0.011684623}]},{"text":"Is there any changes you'd like to make to the beneficiary nomination, or you're happy for it to go to your estate? What were your thoughts there?","start_word":6813,"end_word":6839,"intents":[{"intent":"Create beneficiary nomination preference","confidence_score":2.3356677e-8}]},{"text":"So there'll be forms for that also.","start_word":7310,"end_word":7316,"intents":[{"intent":"Update forms","confidence_score":0.27992034}]},{"text":"And I can also include a brochure for a testamentary trust if you like.","start_word":7413,"end_word":7426,"intents":[{"intent":"Provide instructions","confidence_score":0.011279293},{"intent":"Provide brochure","confidence_score":0.38279974}]},{"text":"Yeah.","start_word":7498,"end_word":7498,"intents":[{"intent":"Provide power of attorney","confidence_score":0.060815863}]},{"text":"The final parts of this document is ongoing service. So as you know, the ongoing service doesn't change. We'll do conduct our reviews. We're here at any time should you need to seek further advice or have any questions. No changes there. Thanks.","start_word":7557,"end_word":7599,"intents":[{"intent":"Provide assistance","confidence_score":0.017175928},{"intent":"Conduct reviews","confidence_score":0.3012382}]},{"text":"The important information is, you know, that we do conduct our reviews when when they come due to make sure that everything sits right. And remuneration wise, no changes to your superannuation fee.","start_word":7604,"end_word":7636,"intents":[{"intent":"Provide information","confidence_score":0.09385807}]},{"text":"And that gives us then the the clear directions on what to implement for you on your behalf.","start_word":7869,"end_word":7886,"intents":[{"intent":"Provide guidance on policies","confidence_score":0.00034240237}]},{"text":"if blood pressure's managed, then I can come off that. You know, I'm Yep. now back at training, so I'm now doing things to... It'd be different if I was just Sydney doing nothing. You know, I'd be like, Yes. okay. But Yeah. I'm not... I'm back into training and back into... So I'm working on strategies to reduce that. Yep. Fantastic.","start_word":8022,"end_word":8083,"intents":[{"intent":"Reducing blood pressure","confidence_score":0.10219812}]},{"text":"Yep. Fantastic.","start_word":8082,"end_word":8083,"intents":[{"intent":"Working on strategies","confidence_score":0.06225928}]},{"text":"Well, you know, I plan I to be around for a long time, and I don't wanna be in a war through another statistics. understand that. So... Now... Plan now for the future. Yeah.","start_word":8105,"end_word":8138,"intents":[{"intent":"Having a plan","confidence_score":0.018270217}]},{"text":"Yeah.","start_word":8138,"end_word":8138,"intents":[{"intent":"Having plans for future","confidence_score":0.0017840698}]},{"text":"simple things like when I'm 80, I wanna be able to hold my own groceries and walk up a flight of steps without having to stop, catch my breath, or, you know, I wanna be sprightly and agile at that age.","start_word":8145,"end_word":8185,"intents":[{"intent":"Holding groceries","confidence_score":0.1851316},{"intent":"Handling a sprightly and agile","confidence_score":1.608426e-7}]},{"text":"goals to have. And I don't think people probably think forward that far enough to plan that far ahead. So that's fantastic that you've got those goals set. I Oh, thank you.","start_word":8221,"end_word":8252,"intents":[{"intent":"Having a clear goal","confidence_score":0.00076744397}]},{"text":"And the final page of that is the adviser declaration.","start_word":8262,"end_word":8271,"intents":[{"intent":"Giving advisor declaration","confidence_score":0.010957183},{"intent":"Providing advisor declaration","confidence_score":0.006088692}]},{"text":"And the final page of that is the adviser declaration. So that's just me saying that I am authorized to provide advice on the products I've given you. I've given you a financial services guide, which we I gave in our last review meeting.","start_word":8262,"end_word":8305,"intents":[{"intent":"Giving advice","confidence_score":0.002844598}]},{"text":"I've given you the product disclosure statements, which are in this lovely document... Attached to this lovely document that you've received. And then the next document over is the appendix to the statement of of advice.","start_word":8306,"end_word":8341,"intents":[{"intent":"Providing product disclosure statements","confidence_score":0.008625538}]},{"text":"There's a risk profile page.","start_word":8349,"end_word":8353,"intents":[{"intent":"Explaining risk profile page","confidence_score":0.0025593492}]},{"text":"So that will go... It shows you the different types of risk profile. You're down the middle there as a growth investor, and it just shows you the typical typical allocation would have to different sectors.","start_word":8355,"end_word":8390,"intents":[{"intent":"Understand risk profile","confidence_score":0.013529411}]},{"text":"Did you want me to just talk through the appendix?","start_word":8465,"end_word":8474,"intents":[{"intent":"Understand appendix","confidence_score":0.15588652},{"intent":"Understand appendix","confidence_score":0.10351399}]},{"text":"It's basically just factual information. Nothing specific like the document we've actually talked through. I'm just trying to think the best way to navigate that, and and it won't let you at all. Okay.","start_word":8475,"end_word":8508,"intents":[{"intent":"Navigate appendix","confidence_score":0.58775765},{"intent":"Navigate appendix","confidence_score":0.014648876}]},{"text":"The advice is solely prepared for you as it is specific to your personal situation. So showing it with a friend, for example, wouldn't be beneficial to them because it's not based on their personal situation.","start_word":8689,"end_word":8724,"intents":[{"intent":"Use advice","confidence_score":0.000033476124}]},{"text":"The currency of the SOEs, SOA means that the advice and the document is valid for sixty days. After sixty days, we just need to restart the process again. And the reason for that is that client situations can change within a sixty day period. So we do make sure that we revisit to make sure all the information is updated and corrected, and we do start the process again.","start_word":8726,"end_word":8795,"intents":[{"intent":"Record information and discuss predictions","confidence_score":3.5349842e-8}]},{"text":"So then following that, what will happen is members of our team will reach out to you of our implementation team to fill out the... You'll receive beneficiary forms to update the beneficiary to, Gabrielle, and, a member of our team will reach out to you to start the, application process to increase the insurance premium... Oh, the income protection policy.","start_word":9370,"end_word":9430,"intents":[{"intent":"Update beneficiary forms","confidence_score":0.17844264}]}]},"sentiments":{"segments":[{"text":"Hello? Hi. Is this Carmen? Yes. It is. Carmen, it's Jenna here phoning from Oakview Financial. How are you today?","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.12689444422721863},{"text":"I'm good. Thank you. How are you? I am good. Thank you.","start_word":20,"end_word":31,"sentiment":"positive","sentiment_score":0.45037680864334106},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? That's fine. Fine.","start_word":32,"end_word":60,"sentiment":"neutral","sentiment_score":0.07858601957559586},{"text":"Fantastic.","start_word":61,"end_word":61,"sentiment":"positive","sentiment_score":0.4271932542324066},{"text":"And, Carmen, can I please ask you to confirm your client password? Copy. Sorry? Scruffy. Yes. Sorry. You dropped out. Yes. That's correct. Thank you. No worries. The reason I'm calling today is just to run through the advice presentation that we talked about from our last review just to make the recommended changes. Do you still have time for that? I do. I do.","start_word":62,"end_word":126,"sentiment":"neutral","sentiment_score":0.015511604957282543},{"text":"Wonderful.","start_word":127,"end_word":127,"sentiment":"positive","sentiment_score":0.4563869833946228},{"text":"I sent you an email probably about five minutes ago with some... A similar to the review process with a a link to sign here through OdooSign and from myself. The the documents we're gonna talk through are contained in that sign here option if you're able to access your emails. Yep. Yep. Yep. Going into it now. Lovely. Thank you. So if you can just confirm when you have those... That opened, I can begin Yep. talking you through. I've got an iPhone. Lovely. Thank you. So the first page you should see is a cover page that says statement of advice prepared for yourself, Yep. and it's prepared by myself, Jenna Wheeler, and with my authorized details and Oakview's details. The next page... Sorry. I'm just gonna move that away there. The next page covers off on what this document contains and our best interest duties. So as advisers, our best interest duties apply that we... Any financial or personal info... Information and advice is specific to your needs. Any incomplete or inaccurate information can impact the basis of the advice. So if anything hasn't been provided correctly, we always consider that the recommendation made has to put you in a better position and suit your circumstances and in your best interests. That's what that page outlines. The next one is a table of contents followed by the scope of advice including your goals and objectives. So this document... Well, this section, I'm gonna... It's gonna explain what we're addressing in this advice document today. So the goals and objectives that we are addressing is your superannuation. So one of the topics we spoke about in your recent review was underperforming investments, making sure your portfolio is invested in this... In line with your risk profile. We also spoke about the ability to make recommendations to superannuation. Yep. So that is included in here also. Additionally, on the next page with insurances, you mentioned that you're happy with your level of life and TPD cover. You would like to understand what trauma insurance covers and what the cost would be. And if you're able to look at increasing your income protection from insured now that your income has increased. Estate planning Yeah. is also making sure that somebody is able to look after Gabe and make sure he is not taken advantage of should something happen to you. Yes. The items that we're not addressing in this advice document is your retirement goals. It... Due to... As retirement is quite some time away at the moment, we're not looking at any retirement specific strategy. So that would be, for example, a transition to retirement or other type of retirement specific strategy... Strategies. We're preparing for retirement but not recommending it at the moment. Does that make Yep. sense That's... so far? Yeah. Yep. That's right. We got a little little while off, so... Which Yeah.","start_word":128,"end_word":614,"sentiment":"neutral","sentiment_score":0.0204930065211207},{"text":"is a good thing.","start_word":615,"end_word":618,"sentiment":"positive","sentiment_score":0.5422238111495972},{"text":"Yes. That's right. The next couple of things that aren't considered also is the budget and savings. So you've started saving a $100 per fortnight for your trip to Greece next year. Yep. Debt, you wanna reduce your personal debt and potentially purchase a house in the future. So those two aren't covered within this statement No. of advice. No. That's fine. Lovely. Then this limited advice section just covers off on the areas that I am not able to obtain advice in. So I'm not a lawyer or a legal practitioner, so I can't draft that will or estate planning documents. Legal attorney does need to do that. Yeah. I can't provide advice in regards to general insurance. I can provide tax advice in relation to financial planning, but but not tax return advice, for example. Yes. That's... Yes. We spoke about that last one.","start_word":619,"end_word":764,"sentiment":"neutral","sentiment_score":-0.07075452181982668},{"text":"Beautiful. Thank you.","start_word":765,"end_word":767,"sentiment":"positive","sentiment_score":0.64588862657547},{"text":"The next couple of pages are there about you. So it covers off on your personal situation, including your occupation, income, marital status, dependents, assets and liabilities, your superannuation, and your current insurance portfolio. And that's all the information that we obtained and talked through on your recent and your review. Page 11 talks about your risk profile. So, again, referring back to our review, we talked through your appetite to risk and having a growth risk profile, which is an 20% split, if you recall. So 80% to growth assets and 20% to defensive assets. Is that still applicable? Yep. Lovely. Alright. Okay. For retirement. Sorry? This is for retirement? Yes. Exactly. Yeah. They're gonna be so.","start_word":768,"end_word":885,"sentiment":"neutral","sentiment_score":0.06147154048085213},{"text":"Fantastic.","start_word":886,"end_word":886,"sentiment":"positive","sentiment_score":0.46534281969070435},{"text":"Okay. The next section is where we're gonna talk about the actual strategy. So this is where the crux of it... Of the actual advice live. The first recommendation on page 13 is that PSS will be retained due to... In its own form in... Due to, you know, the limitations and restrictions of the scheme itself. So that will continue to sit where it is and not be touched until there comes time that you meet a condition of release. But in relation to your Hub twenty four superannuation fund, the one that we manage on your behalf, we have reviewed the investment options which I talked to you about. And I've actually recommended not only replacing those underperforming investments being the ban along and the phasing out of the hybrid options, but I've recommended a little bit of a restructure of your portfolio. And what... In considering that, what I've also considered is any potential CGT implications that are internal to the fund, not you personally. Mhmm. And based on all those things that I considered, which is within this document, being eleven years away from retirement, the preliminary modeling does show us that it's gonna have a greater outcome, which I'll cover off in a couple of more pages.","start_word":887,"end_word":1098,"sentiment":"neutral","sentiment_score":-0.05897857993841171},{"text":"The recommended portfolio does use lower cost investments with strong and consistent consistent performance history. So by reducing the ongoing fees, we're giving your balance a little bit more room to grow by reducing those investment fees.","start_word":1099,"end_word":1135,"sentiment":"positive","sentiment_score":0.6158263087272644},{"text":"In addition... Oh, sorry. I pressed the wrong button. And then I've rebalanced it to make sure that it is back within that the guide time... The guidelines of the 8020 split for a growth profile. The the advantages are that, again, lesser in... You'll have lesser ongoing investment phase.","start_word":1136,"end_word":1185,"sentiment":"neutral","sentiment_score":0.03361478075385094},{"text":"The disadvantages, though, are there is a capital gains tax of approximately $55.03 that will be paid within the HUB24 super platform.","start_word":1186,"end_word":1207,"sentiment":"negative","sentiment_score":-0.3914795815944672},{"text":"So that's not you personally. The the superannuation fund is... Your super balance, sorry, is charged up. So to make those changes... Sorry? That's that charge is annually, is it? It's only a one off. So it's a capital gains tax. So because the portfolio has made a gain, even with that... The underperforming better long fund, what I've recommended you switch into does realize a little bit of a capital gain. So it's not an ongoing annual fee. It's just Yep. a one off, Yep. and it's $55.03. Does that make sense? Yeah. No. That's fine. Lovely. Okay. I did consider other alternatives. Like, I considered another platform Yep. potentially. Essentially, I discounted that one because they do have higher brokerage fees. So when funds are sold and traded upon compared to HUB 24. And also, if I did do that, the capital gains tax would be nearly $3,000 rounded up.","start_word":1208,"end_word":1359,"sentiment":"neutral","sentiment_score":-0.07652141153812408},{"text":"So that is not actually in your best interest. It would take a quite a significant amount of time with the fee reduction and then to offset that CGT.","start_word":1360,"end_word":1388,"sentiment":"negative","sentiment_score":-0.39246606826782227},{"text":"So that was just discounted pretty quickly. The risks involved are always... There's no guarantee of the recommended investment portfolio portfolio outperforming any other portfolio. Future legislative or regulatory changes can occur, so access to super is currently sixty years of age, for example. That could change based on legislation, and I'm just using that as an example as what legislative risks are. And as we are moving investments around in the background, you know, investments may rise or decline during that time. So there is a a little bit chance there of missing out on potential gains. Any questions there? No. But, I mean, that'll be determined upon the market, won't it? Yes. Yeah. Yep. Yeah. So we're not... You... Once in a couple of pages, I'll actually... You'll actually see what we're moving out of and what we're keeping. So that can actually give you a little bit more confidence and information to make an informed decision.","start_word":1389,"end_word":1547,"sentiment":"neutral","sentiment_score":-0.11530848353538874},{"text":"Okay. Awesome. Thank you. That's okay.","start_word":1548,"end_word":1553,"sentiment":"positive","sentiment_score":0.4716989994049072},{"text":"The next page covers off on the fee comparisons between... We've included PSS here for you anyway because those fees don't change. They'll be the same for you this estimated coming twelve months they're based on. But you'll see the hub ones are the ones that I wanna focus on. Mhmm. So the second line being the investment fee, you're gonna have a $467 saving per annum on the investment fee. So that'll go from 925 down to about 458. The adviser the adviser fee does increase a tiny little bit by $64 just based on your balance when we produced the statement of advice. And we have actually made a recommendation of contributions to super, so you'll see that they vary a little bit of approximately 3,448. I'm Yep. gonna touch on that in a moment. And then your insurance premium. So I did look at your income protection, and I have made a recommendation within here which is further on and we'll cover off, but that's... Your your insurance premiums are are included in here also. What it means for you personally by making the investment recommendations, on the next page down, we have the projected balance. So in five years' time, in the current portfolio, we'd be looking at about... So this is with your two combined, your PSS and Hub combined of 800 and 2,473. The recommended portfolio within Hub, so this allows for the accumulation of part of PSS and their investment returns, historical we use, and then the hub one as well with the defined benefit. So if you look at the figures in green, in five years, we believe you'll be better off by $52,800 by changing the portfolio within hub, and in ten years, a $160,187 based Okay. on the portfolio. So we just use the conservative figures there. So... And any projections there, we've just used the PSS historical returns to include. So you can kinda see the whole picture rather than just part of it. I need to make more, though, won't I? Sorry. I still need to make more, though, won't I? That really comes down to... I think a little bit further on, we'll cover off on the retirement. There is a little bit of a projection there that might be able to give you some information and some comfort too. So I'll wait until we get to that section because there is a little bit that's dedicated to that for you to have a look at and understand. Is that okay? Yes. Yeah. That's fine. Yeah.","start_word":1554,"end_word":1982,"sentiment":"neutral","sentiment_score":0.0915892663952354},{"text":"Yep. Beautiful.","start_word":1983,"end_word":1984,"sentiment":"positive","sentiment_score":0.4741835594177246},{"text":"The next page is the investment option. So this is the part where with the market movement, so being out of the market that we talked about potentially timing risks, for example. So that Bennelong Australian Equities one, that's the underperforming one that we're getting out of. So that's that top one there. Mhmm. We're also going to remove the Global Battery Tech and Lithium Yep. and the BetaShares Australian Bank Hybrid in full along with the VanEck Australian Property and the BetaShares Raffi Australian two hundred. You'll see that they're all... All those figures are red. Yeah. Yeah. This is a big amount too. You know? Sorry? They're big amounts, like, 35,000, 20 Yeah. thousand. Yep. Yeah. So we're moving out of those. So the way the portfolio is structured, there's two different types. If you think about your core your core being your big holding ones, so that will be your Australian shares exposure, your international share exposure. So they're the core of your portfolio, basically. And then we have satellite investments that float around those, and they're designed to provide additional exposure to different growth aspects of the market in niche areas. So for example, as we move through this, we're we're moving out of the bulk of our... All the estranged share equity exposure of Bennelong is getting removed. And you'll see down the bottom of that first page, the beta Mhmm. shares Australia 200, you're gonna Yeah. have about 44,000 invested in that. That's your Australian share exposure. So that's one of your core investment options. We're then moving exposure, which you already have, Mhmm. in exposure, which you already have, in the iShares core composite bond. So you currently have about $18,400 invested there. We're gonna be adding an additional 12,600 to increase that.","start_word":1985,"end_word":2284,"sentiment":"neutral","sentiment_score":0.04453690901398659},{"text":"So that's the core component of your defensive portfolio.","start_word":2285,"end_word":2293,"sentiment":"positive","sentiment_score":0.3454281985759735},{"text":"So then the one below that again is your iShares S and P 500. You'll see you currently have 64,559 invested in that. That's your American shares exposure. So that's one of the core investments in your portfolio as well. So if you look at the the larger numbers, they're your core parts of your portfolio with your other ones being your satellite options. So one of your satellite options is gold, your physical gold and a physical gold ETF. Gold behaves in the market very differently to any shares. You probably see on the news that regularly that gold is up and down and up and down. Yes. That's that's one of those growth and defensive parts of the portfolio that just floats around your higher held Australian international shares to give you a little bit more diversification. The same with the cybersecurity that's below, reducing your exposure a little bit back down to 5%. Again, it's a... That's a gross... It falls within our gross portfolio, but it's a really niche sector. So cybersecurity is a... At the forefront of pretty much nearly everything these days at the moment with AI and everything that needs to happen in the background.","start_word":2294,"end_word":2495,"sentiment":"neutral","sentiment_score":0.06550107896327972},{"text":"So that's a really nice little tech exposure piece there that you have in the growth market, and it's been performing well to get... To give you that little bit of diversification.","start_word":2496,"end_word":2527,"sentiment":"positive","sentiment_score":0.5829207301139832},{"text":"The ones that we're investing into that we haven't had in your portfolio before is iShares Europe, iShares Japan, and the Vanguard All World Fund excluding US. What we have done here is rather than including more niche markets like the battery tech and lithium, for example, we've gone with the approach of a different economy diversification. So having some European exposure, some Asian Japan exposure, and then your Vanguard all world. So that's the whole world market minus The US because we already have a significant exposure to The US market. So rather than large, like, several niche markets, what we've done is kept the cybersecurity and the gold in there as those niche kinda little markets that we want, but expanded your exposure across global economies rather than niche markets. Okay. Does that make sense? Or So... it's a lot of information. Yeah. No. It is. But I I think to be realistic at my age, I need to be looking forward and niches... I guess they come and go and and gold fluctuates, silver fluctuates, but but Yep. they can't see. But they will never go out completely. Which Correct. is... Yeah. Yep. Yeah. Yeah. So No. that's I that's I understand probably something what you're that saying. will... Yeah. That'll be there. But Yep. may... So these these iShares Europe, Japan, and Vanguard will go into the defensive or the call part. They're your... Well, they're your gross still, your gross part of the portfolio. So still in the shares, property, etcetera, but they're the smaller allocation. So you've got your 8%, 5%, and 8%. So they're gonna float around your major holding within the iShares S and P five hundred. So that's your in... Yeah. That's your American share market, essentially. So a lot of our growth in portfolios, realistically, is the American share market where the big companies predominantly, let's call it, live. The Australian share market is quite concentrated to just Australia.","start_word":2528,"end_word":2856,"sentiment":"neutral","sentiment_score":0.05190750091452729},{"text":"We've got some great companies within there being the financials and the resources.","start_word":2857,"end_word":2869,"sentiment":"positive","sentiment_score":0.4573401808738709},{"text":"But with the American share market, we have a lot more diversification abilities there. Lots of different, you know, companies, health care, financials as well. You've got your tech. You've got everything. Whereas Europe is a... They... Each each economy behaves a little bit differently depending on what's happening in the the world at any given time. So your iShares Europe, iShares Japan, and your Vanguard All World, they're still the gross investments being your shares, but they're more satellite. So they're... They'll float around basically, and they may act differently to the American market should a global event happen. So their behavior does depend on what's happening in the in the world and what the events Yep. are at that time. Okay. Any questions about that so far? No. No. That's cool.","start_word":2870,"end_word":3002,"sentiment":"neutral","sentiment_score":0.048454273492097855},{"text":"Yep. I mean, we're we're having a diverse footprint, so that's good.","start_word":3003,"end_word":3014,"sentiment":"positive","sentiment_score":0.4300253987312317},{"text":"Yes. That's... You know? Well, yeah. That's always the aim. Yeah. Yep. Yep. The next cup... Two pages are your asset allocation. So I've... We've included two here. The first one excludes your PSS scheme. So what this looks at is just your funds held in hub twenty four. So you'll see as a growth investor, we typically wanna see 80% of your funds invested in growth assets and 20 in defensive assets. What my recommendation is is that you're gonna have approximately just shy of 85% in growth assets and just over 15% in defensive assets. That figure will fluctuate and won't sit stagnant depending on what's going on with the market. So for example, if the share market takes a massive hike, that percentage figure is gonna increase because the growth of your portfolio for those investments has increased as well. So that's why it's important also to make sure we do keep up to date with the regular reviews to make sure that we are tracking towards your risk appetite being a growth investor. The next table include... I've included it showing your PSS scheme. So your accumulation and defined benefit and HUB 24 altogether. So you'll see the gross total sits at the... In the proposed column, the third one over, sits at about 74... Or let's call it 75% with your defensive sitting at about 25%. The reason why you're underweight and gross as a total, including your PSS scheme in relation to your risk profile of 8020% is that the PSS accumulation and defined benefit, they have less gross orientated investment. So their portfolios are structured differently. And being Yes. that the the defined benefit part of it isn't invested, so that does heighten the defensive part of the portfolio. Does that make sense? But they're two separate. Yeah? Yes. They're very... They're two separate. But for the full picture, what I've included it in the asset allocation just to show you that as a whole, including your PSS, you aren't invested completely as a gross risk profile. It's more just an an investment piece. But Okay. they are two different funds. Not investment piece, an information piece Yep. So one's for making money and one's just stagnant you. room. Well, your defined benefit... Your PSS has two parts of it. There's the accumulation part of your your fund, and then there's the defined benefit. The defined benefit is a calculation based on retirement. The accumulation is invested, and I've got an account run down here that I can give it to. I'll just have a quick sneaky peek. Total balance, employer component. So you're invested in the default. So about 383,000, let's round it up, is invested in the accumulation option of your PSS member, and you're in the default option. So if I have a look at the default option to tell you what that's returned in the last little bit... Performance. They're both invested. It's just that your defined benefit part is not. And the accumulation is just invested differently to what we invest. So their portfolio structure's a little bit different. So for example, they have a higher fixed interest component sitting at about 12.25% and a higher cash component sitting at 13%. Whereas our portfolio, for example, if we look at the one excluding PSS, the allocation, you'll see that our cash and fixed interest total is about 15%, whereas PSSs with their total combined is about 25%. So that's why they're a little bit different. It's just the way the the managers invest their money. Okay. Yeah. So it's not sitting there doing nothing. Not at all. It's just invested differently and probably a little bit more conservative than your hub twenty four account.","start_word":3015,"end_word":3640,"sentiment":"neutral","sentiment_score":0.015460946808417385},{"text":"Nice way to put it.","start_word":3641,"end_word":3645,"sentiment":"positive","sentiment_score":0.5496920347213745},{"text":"Yeah. So it's just that they've got more exposure to some defensive assets being a fixed interest in cash. And I'm sure that their mandate changes from time to time in relation... And, again, their figures would change again from time to time depending on what's going in the market also. Yeah. So it's... Yeah. Just at the moment, theirs is a little bit more defensive, and ours is a little bit more, gross orientated. The next page is re... On a retirement income calculation. So this is where I said I'd talk to you more about retirement and your question is whether you needed to work more. So based on our conversations previously, you said you'd need likely about 2,000 per fortnight in retirement if you were debt free. Do you Yeah. still think that's right? Yeah. Yep. Yeah. We also talked about your retirement age being 65. Still correct? Yeah. Yeah? Okay. So if we look at this little graph, which you might need to zoom in on, it's very small, the green section refers to your superannuation, and the light blue purple... Bluey purple color, I think you'd call it, is the age pension. So you can see from the age of 65 through till about 92, your superannuation fund and balance projected out is going to meet your income needs.","start_word":3646,"end_word":3869,"sentiment":"neutral","sentiment_score":0.04644554480910301},{"text":"Perfect.","start_word":3870,"end_word":3870,"sentiment":"positive","sentiment_score":0.5265101194381714},{"text":"From from the age of about 74, you're gonna start base... And, again, this is just based on today's legislation and, you know, pretty standard conservative returns to make sure that we don't overinflate anything. You've... At about 75, you become eligible for a part age pension, and then that increases from there. So what that does is that stop... That stops you drawing down as much on your super, and we only draw the difference. Mhmm.","start_word":3871,"end_word":3947,"sentiment":"neutral","sentiment_score":0.015531501732766628},{"text":"So Yes. you can see that you are on track. Hopefully, that gives you a little bit of peace of mind to what you're working towards. And, yeah, you're you're well within target, reaching your target.","start_word":3948,"end_word":3983,"sentiment":"positive","sentiment_score":0.6715719103813171},{"text":"That that was 2,000 a week, wasn't it? Not a fortnight. Sorry? That was 2,000 a week, wasn't it? Not a fortnight. I think... Let me double check. I'll just go back to our original notes. It says at about age 67 with 1,000 a week, but what you earn now is about $1,600 after tax. So depending on the debt situation and your debt free, we looked at a thousand dollars a week. Obviously, being 2,000 a fortnight, but you can... That's variable depending on... If you want me to send you through another quick calculation post meeting, I can do that with a different amount just to give you an idea of how that looks. I don't foresee it being an issue. Can we do that in 2,000 a week or in a 2,000? We... Even 1,500 a week, you know? Yes. Absolutely. Because I want... Obviously, what the market's like at that at at that time. And I know that we're forecasting or projecting, but Mhmm. I wanna make sure that, you know, I have enough. And Yeah. So that... Yeah. Of course. So what we do with that is we do base it on today's dollars. I'm... So Yeah. we allow for the inflation. So you'll see a little bit below that, we allow for the inflation in today's dollars.","start_word":3984,"end_word":4207,"sentiment":"neutral","sentiment_score":-0.01705317571759224},{"text":"So I can definitely get that done up for $1,500 a week. So you've got that for your information as well.","start_word":4208,"end_word":4228,"sentiment":"positive","sentiment_score":0.7069956064224243},{"text":"Post our meeting, I'll send that through in an email for you. The next section is something... The next page is advice in relation to salary sacrifice. So this is building your superannuation further. Now this is something that I've considered as an alternative to you for a number of reasons. So I noted that from our conversation, you're making investments into Bitcoin and silver Mhmm. on a regular basis. What I considered as an alternative for you for you to consider is using those funds of a 156 per fortnight that you do in silver and Bitcoin and instead invest into your superannuation. There are a number of reasons why, which could also be in contradiction to why you choose to do Bitcoin and silver. So this this is, from me looking at your situation as a holistic picture, the reasons why is the funds will still be invested, but they're gonna be invested in a diversified market, not concentrated to Bitcoin and silver themselves.","start_word":4229,"end_word":4394,"sentiment":"neutral","sentiment_score":0.16090774536132812},{"text":"Adding the contributions to super is a tax effective environment.","start_word":4395,"end_word":4404,"sentiment":"positive","sentiment_score":0.5244458317756653},{"text":"So once you do retire and meet a preservation aid... Your preservation aid, the income within that is tax free. So there's no capital gains tax, for example. There's no tax payable on you drawing an income, etcetera. The... With the Bitcoin and the silver and investments holding your personal name, there is capital gains tax that's applicable to those, and there's no tax benefit of you. You don't receive a tax benefit of you investing in it. So now that the 50%, you know, tax... CGT tax has been removed discount, the superannuation environment is a more tax effective or friendly option. What... On the following page, what I've done is a very simple table. You'll see that your income is stated. Column one represents your current position investing into crypto and silver. Column two removes that crypto and silver and instead puts it into a salary sacrifice arrangement into super. What Mhmm. it does is it reduces your taxable income by approximately... Oh, gosh. They should put those figures there.","start_word":4405,"end_word":4576,"sentiment":"neutral","sentiment_score":0.10284948348999023},{"text":"I can't even do math today. That's terrible, isn't it? Sorry?","start_word":4577,"end_word":4587,"sentiment":"negative","sentiment_score":-0.5437897931445729},{"text":"We've come back from a long weekend. Oh, it still feels like the weekend. It's gonna reduce your taxable income rounding up that $2,800. So that's $2,800 you're not paying tax on, Yes. and then that money is, you know, used elsewhere.","start_word":4588,"end_word":4629,"sentiment":"neutral","sentiment_score":0.06529843807220459},{"text":"So you're gonna have a tax saving as well because you're not getting taxed on that full taxable income.","start_word":4630,"end_word":4648,"sentiment":"positive","sentiment_score":0.4254306256771088},{"text":"It's it's the reduced amount post the salary sacrifice. What it means is the super contribution variance is an extra $3,448 going in a year, which even though... So when you're you're contributing to super, it's taxed at 15% when you go in. So your salary sacrifice, that that amount is taxed at 15%. However, that 15% is less than your marginal tax rate. So that's the benefit of it, the trade off.","start_word":4649,"end_word":4721,"sentiment":"neutral","sentiment_score":0.07123132050037384},{"text":"So you... From a tax perspective, it's gonna be beneficial for you personally now and in the long run. And also in retirement, it's gonna be beneficial.","start_word":4722,"end_word":4748,"sentiment":"positive","sentiment_score":0.5186000466346741},{"text":"So the reason why I did include that is for those reasons. But the next page also covers off on your crypto and silver. So I've used a... It was very, very difficult because Bitcoin is an unregulated investment. So it's really difficult to get decent returns... Well, not decent returns, but find information on... As you know, the the market goes up and down a lot with Bitcoin. So to get factualized returns, we we relied on an ETF. So these returns are probably not like what you've seen in your Bitcoin experience, but they're conservative returns that we've used in this advice document. So I've assumed that a Bitcoin annualized returns, that means over the long term. So one year could be 33%. For example, in the next year, it could be negative 50%, and annualized return is the average of your return over the long term. So with Bitcoin, we did... We used 11.2, and with silver, 9.63. And they're based off ETFs that we use for those types of investments. We haven't put any fees in there because I wasn't aware of any fees within your platform... Trading platform that you use. But over a five year period, you'll... You could expect your balance while still doing your existing contributions to increase by those months, those amounts. So five years 20... Sorry. Sorry? Good. Keep going. No. You're absolutely fine. So five years is a 28,000 lump sum, and seven years is a $41,000 lump sum. So the... What... The reason I have said, yep.","start_word":4749,"end_word":5007,"sentiment":"neutral","sentiment_score":0.009954877737118471},{"text":"Those are great those are great investments.","start_word":5008,"end_word":5014,"sentiment":"positive","sentiment_score":0.5129547119140625},{"text":"You you know, I understand you wanting to do them and all of that. The reason why I recommended salary sacrifice as opposed to it is that at about 60 that you wanna... At 60 years of age, you wanna kind of look at reducing your working hours. Yes. Bitcoin and silver do carry high volatility. Their upsides, the potential upside is fantastic in those investment options, but it also falls within a significant risk level. And as you approach retirement, so we're in line with your goals and objectives, building your retirement savings, particularly, as you mentioned before, to know that it's gonna meet what you need in retirement, I felt that the salary sacrifice option, whilst not probably providing the same type of returns, is gonna help you meet those retirement objectives. And it's Does more that stable. make... And it's more stable. Sorry? Stable. It's more Yes. diversified. If you Yes. I if think you you think say that... about... Like, Sorry. sorry. The salary sacrifice. It's kind of a a stable concrete, whereas Bitcoin fluctuates up and down quite regularly. So Yep. So what... With the salary sacrifice, where you'd be directing that is to your HUB twenty four account. So you you know how that HUB twenty four account goes up and down as well? yep. Yep. That's where that money is going. So it's going into your superannuation fund. So it's still invested within the market, but like we talked about before, it's diversified across lots of different sections of the market rather than being centralized to silver and Bitcoin. So you still will have that volatility, but you won't have that significant Okay. volatility that you experience in Bitcoin and silver because the money is spread out and diversified. Okay. Does that make Okay. sense? Yep. Yeah. Any questions? It No. is No.","start_word":5015,"end_word":5324,"sentiment":"neutral","sentiment_score":0.05765540840164308},{"text":"a No.","start_word":5325,"end_word":5326,"sentiment":"negative","sentiment_score":-0.3395063281059265},{"text":"lot to take. It is. It is. But if Yep. I was thinking about salary sacrificing, is Mhmm. that... You know, that might be something from next year onwards? It is completely up to you. Whatever recommendations I'm making here, you are not bound to proceed with them. My job is to give you the recommendations to reach your goals and objectives. You don't have to implement them. It's completely up to you. Okay. Okay? Okay. Yep. So the information's all here for you to consider. And I don't... And also just to be very, very clear, I'm not recommending you sell any of your existing investments. I'm recommending that you redirect that money that you purchase, used to purchase fortnightly, 154 in total, to super instead. Okay. No. No. No. No. No. No. No. No. No. No. No. No. No. Yep. No. No. No. No. No. No. No. No. No. Just No. No. No. No. to No. No. be No. No. No. clear, No. No. No. No. No. No. No. I No. didn't No. No. No. No. No. No. wanna No. No. No. No. No. No. No. No. No. No. No. No.","start_word":5327,"end_word":5519,"sentiment":"neutral","sentiment_score":-0.08811978995800018},{"text":"No. make that unclear in any way.","start_word":5520,"end_word":5526,"sentiment":"negative","sentiment_score":-0.34659257531166077},{"text":"No Yep. Yeah. Mhmm. that Yeah. can bring about a bigger return. Yeah. I can understand that. But later in... And Yep. give them Yeah. my age. That's Okay. absolutely fine. And and when you're ready to look at salary sacrifice, that's something that we can absolutely help with. Sorry? Yeah. Keep going. Sorry.","start_word":5527,"end_word":5580,"sentiment":"neutral","sentiment_score":-0.03403138741850853},{"text":"No. That's I okay. need the long fucking.","start_word":5581,"end_word":5588,"sentiment":"negative","sentiment_score":-0.5505862236022949},{"text":"Yeah.","start_word":5589,"end_word":5589,"sentiment":"neutral","sentiment_score":-0.31797486543655396},{"text":"Yeah. It's not a great line.","start_word":5590,"end_word":5595,"sentiment":"negative","sentiment_score":-0.5862050652503967},{"text":"That's alright. Okay. So the next page is your... Is to apply for an increase in income protection.","start_word":5596,"end_word":5613,"sentiment":"neutral","sentiment_score":0.031198937445878983},{"text":"So your monthly benefit falls short by approximately $2,015 a month.","start_word":5614,"end_word":5624,"sentiment":"negative","sentiment_score":-0.33968836069107056},{"text":"We've recommended increasing it, and what this policy covers is your income should you be unable to work due to injury or illness up to 70%. The premium here is indicative at this stage. We're just waiting on Tal to confirm the final amount. But what they have said and come back to us is that based on a pre assessment, there would be loadings applied to new cover, not your pre assessment, and that's where they just speak with the insurance company to understand if there's any loadings or exclusions that would be applied to insurance policies. So based on that, when that was done, due to your... Sorry. I'm just jumping into a different page. Your blood pressure, Yep. there's likely to be a loading. Now that loading will be on your income protection up to 75% of the new premium only. But if they they have said what they do is they'll arrange a nurse to come out and take some bloods from you at no cost to yourself. And if those blood tests indicate reading that Tal is is wanting to see, then that that loading could potentially be reduced down to 50% for income protection. So that premium can vary a little bit at the moment when not... When nothing's set in stone. And then also with any trauma and trauma insurance that we're looking at, there will be a 50% loading also. Any questions about that? I've just recently had a blood test done Okay. Yeah. a while ago. My understanding is that you can only get one every six months. Yep. Yep. If there's issues, twelve months usually. Is that gonna be an No. No. Because this is private. So the insurance companies use a health service. So, yeah, the nurses will come out to you directly. They'll phone you, like, when we get to that stage, if we get to that stage, they'll... It will be covered and arranged and funded through the insurance company. It's not through Medicare or anything like that. Okay. So... Yeah. So what I've done is I've recommended and increased your monthly benefit $2,015.52. Same waiting period being thirteen weeks, so ninety days, and a two year benefit period funded from super. At the moment, it's sitting at $1,048.18 extra per annum with the caveat that that that could potentially be more or less depending on results of blood tests. So we won't know exactly a 100% until that time. And then at that time, you could make a decision anyhow, but I just wanna make that really clear at the moment. Yes. Any questions about that? Hello. No? I I... Because No? of my age, my weight, Sorry? and I guess because of my age and my weight and stuff. Yeah. There's a there's a few factors that they do take into consideration with underwriting. And, yeah, it's more... It's probably a combination of your blood pressure and... It's cholesterol. Is that correct? I don't have high cholesterol. This is blood No. pressure. Sorry. Yeah. The blood pressure. Sorry. And your... Let's have a look. It's okay. It's late. Yeah. Alright. That's okay. But... Yeah. So we would have a better understanding of that once that's done, what the price would be. You also asked me to just have a look at trauma insurance, which is the amount that... The type of cover that covers you if you're diagnosed with a specific health condition being... And they range from cancer, heart attack, stroke. We looked at that for... To help with some out of pocket expenses and a lump sum to help with the recuperation period. And with the loading, that comes out at approximately $223.88 per month, and that has to be paid from your personal cash flow as it's unable to be paid from super. Oh, okay. Okay. Yes. Yep. So that's there for your information for you to consider there. So, basically, the recommendation, to summarize, is to increase your income protection to make sure you can cover the most you can of your income if you're covered if you are injured or unable to work due to illness, and that the trauma insurance has been recommended should you be diagnosed with a critical event. No. Okay. My total of the former Yeah. is pretty much okay apart from blood pressure according to my blood test.","start_word":5625,"end_word":6357,"sentiment":"neutral","sentiment_score":-0.05335610200959737},{"text":"That's fantastic news.","start_word":6358,"end_word":6360,"sentiment":"positive","sentiment_score":0.6739267706871033},{"text":"That is good news from... Yeah. So, yeah, Yeah. we might revisit that next year. Yeah.","start_word":6361,"end_word":6376,"sentiment":"neutral","sentiment_score":0.16424046456813812},{"text":"That's absolutely fine.","start_word":6377,"end_word":6379,"sentiment":"positive","sentiment_score":0.3389735817909241},{"text":"Absolutely fine. With the income protection, what were you thinking? Well, if they're saying that it's a deficit of... What was it? 2,000? Well, based on your income of 125,500, the you aren't... You you do have a shortfall of about 2,000 that you can insure for your income. So if you were injured now, right now, I'm gonna jump back to... Or unable to work due to illness, for example, the maximum you'd receive per month is $5,304. Okay. Which is probably what I'm living on now. Will that come out of my up 24? Yes. Yep. So if we go to the next pay... Oh, not the next page. Let's call it page 34. It does show you the impact. So... Of the premium on your balance. So there's a little table there that says premium five year impact, eleven year impact. So eleven year being for retirement, current, and recommended. So it does have a impact on your balance, most certainly. You can see from those tables Yep. and those figures. Even just the small amount a thousand dollars makes a year can have a big difference, But to weigh the option as well is if you are unable to work or or you were injured, could you meet your income needs based on your current sum Yep. Yep. And that's okay. I mean, let's let's do that. Let's, you know, insured? change the shortfall because stuff happens. Life happens. I'm Yep. not Yep. drinking anymore. You know, I think I'm still young. That's alright. No. I I hear you. I'm the same. Alright. So that's okay. I'll make a note of that. The risks of implementing the income protection is that you're gonna pay more for it, which we've just talked through. We do need to go through the application process again, so there will be a... You will need to complete a application and being the health questions and all that when you applied for your original policy for the increase in that small amount of cover, but any loadings will not be applied to your existing cover. It's only the new cover you're taking out now. So we won't be touching the existing because we don't want to put you in a worse Yep. off position. That's okay. The next the next nominate... Recommendation is making a beneficiary nomination. We've recommended making it to your estate, and in conjunction with that is establishing a will to make sure that your superannuation is, and your superannuation and life insurance, I should say, is distributed as per your wishes. Is there any changes you'd like to make to the beneficiary nomination, or you're happy for it to go to your estate? What were your thoughts there? I'm looking... I am looking to name my son, Yes? obviously. And he's 20 now, so he's an adult. Yep. Yeah.","start_word":6380,"end_word":6860,"sentiment":"neutral","sentiment_score":0.0004528587037337297},{"text":"So We can definitely nominate him.","start_word":6861,"end_word":6866,"sentiment":"positive","sentiment_score":0.3344217538833618},{"text":"The... So the only difference between nominating him versus your will, and I'll just explain it very quickly, is about 2% in tax, what it comes down to. So when you nominate an adult child, they're not a financial dependent for superannuation law. So what happens is if they're paid a benefit, they're taxed at 17%. So that's 15% plus 2% Medicare that the government will tax the benefits on. If it is paid to your will, it will be 15% only. So you will save... The estate will save on the 2% Medicare. So we can certainly name your son as the beneficiary, but just so you're aware, that's how it will be taxed. Yeah. Well, everything's taxed anyway. It's just a matter of... A matter of when. That's right. Isn't it? Really? So the state is is taxed at 78%, whereas the wheel is at fifty eight Correct. percent. Yeah. Okay. So Yep. I've got this down. So... But I haven't... Alright. I need to go and get a wheel. I haven't done that yet. I have to get That's that done. okay. Let's see. Did you want me Should to have the... Sorry? I have a trust trust account and j the beneficiary? Would that be better? It's something you should definitely speak to a solicitor about. They can definitely Mhmm. give you advice on that. They're called testamentary trusts. What am I called? A testamentary trust. So what that means is the trust is established on your passing. So it doesn't let... It's not existent until your will comes into effect, essentially. And then the the guarantor... Sorry. The guarantor... The executor will set the estate up as per the instructions in the will. So definitely, if you're concerned about any financial vulnerability or questionable decisions or exposure to any creditors or anything like that, a testamentary trust is something you can explore with the advice of a solicitor. Alright. I might do that. I might go in the arm with mister Luis Rivera and go, okay. In Let's the meantime, talk. yeah. Yeah. In the meantime, did you wanna nominate Gabrielle as your Yes. beneficiary? Yep. Alright. I'm I'm... To make sure the forms are filled out correctly, I'm gonna check all the spelling. Gabrielle is g a b r I e l. Is that correct? Yep. Yep. Correct. And and same surname? Yes. Phone surname. Lovely. You need his letter number? Yes, please. John, j o h n. Lovely. And what's his date of birth? 09/22/2002 Yes. thousand and Two thousand and six.","start_word":6867,"end_word":7295,"sentiment":"neutral","sentiment_score":-0.006628671270254609},{"text":"Lovely. Thank you for that, Carmen. Alright.","start_word":7296,"end_word":7302,"sentiment":"positive","sentiment_score":0.6200989144189017},{"text":"I can make sure that is updated. So there'll be forms for that also. So do you have a solicitor you can talk to about estate planning? I will look into one. I don't have one off the top of my head. I'll I'll have to investigate it and have a look. That's okay.","start_word":7303,"end_word":7356,"sentiment":"neutral","sentiment_score":0.048743948340415955},{"text":"We have someone that we do work with that's quite reasonable.","start_word":7357,"end_word":7367,"sentiment":"positive","sentiment_score":0.3739161789417267},{"text":"I may have sent it to you following our review because I do offer it to everyone, but what I can do is resend it to you if you like. They can do it over the phone with you as well and talk about those. And I can also include a brochure for a testamentary trust if you like.","start_word":7368,"end_word":7426,"sentiment":"neutral","sentiment_score":0.26023009419441223},{"text":"Okay. Perfect. That'll be great.","start_word":7427,"end_word":7431,"sentiment":"positive","sentiment_score":0.6506410241127014},{"text":"You probably have sent it to me, but it's way back up. And so if you send it now, I'll print it out and then Yeah. That... That's absolutely fine. And then the... One of the last recommendations is a part of that estate planning is to establish a power of attorney, which goes allow somebody to make decisions on your behalf if you're unable to. Yeah. What's... Sorry? That will be somebody different? Yeah. Yes. I'm on Yes. a floor It with usually you too. is. Yeah. So it could be a friend, a a sibling, a relative, or somebody that you trust to make those decisions on your behalf for health and financial decisions if you're unable or incapacitated in any way. Yeah. The final parts of this document is ongoing service. So as you know, the ongoing service doesn't change. We'll do conduct our reviews. We're here at any time should you need to seek further advice or have any questions. No changes there. Thanks. The important... That's okay. The important information is, you know, that we do conduct our reviews when when they come due to make sure that everything sits right. And remuneration wise, no changes to your superannuation fee. Well, on the next page, that's right slightly higher by a few dollars, but we do get paid commission from the insurance company on policies that I've put in force. So if you do proceed with that insure... That increase of income protection, we can be paid up to about $2,500 for that from the insurance company, not from you. The next page just shows the ongoing adviser fee from your super funds and then the ongoing commission that we already received from your existing policies. The next page is just cover off on the authority to proceed, cover off on those headline strategies that we talked through Mhmm. and how to implement the advices spoken through following that with a summary of the remuneration again at the top. The page 52, which is the second last page, you'll see that there's a big blank box. That's where we'll get you to type in the parts that you do... Of the advice that you wish to vary. So for example, you mentioned you don't wanna look at the trauma insurance or the salary sacrifice at the moment. What I would ask you to do once you've had the chance to review the document and you're happy to proceed is to write in there what you do not want to proceed with out of the... All the advice and then sign the document. And that gives us then the the clear directions on what to implement for you on your behalf. So it was an... Oh, I I... Sorry. Because I'm delivering training too, and I'm talking about trauma informed. So when you said trauma, I immediately went to trauma. It was a trauma cover, wasn't it? Yes. That's right. Yeah. Valerie. Acrify. Is she... I... To revisit. G. It doesn't have to be Warren Place, does it? It just has to say... No. Yeah. Just what you what you don't want to... And then, you know, happy to proceed with everything else, for example. Yeah. Let's not do everything all at once. Let's just... Maybe because just to see how it pans out next... Like, over the next twelve months because I'm not Yep. serious with you. I don't have any diseases. Yep. I don't have any, you know, nothing majorly wrong. I mean, Yep. if blood pressure's managed, then I can come off that. You know, I'm Yep. now back at training, so I'm now doing things to... It'd be different if I was just Sydney doing nothing. You know, I'd be like, Yes. okay. But Yeah. I'm not... I'm back into training and back into... So I'm working on strategies to reduce that. Yep.","start_word":7432,"end_word":8082,"sentiment":"neutral","sentiment_score":0.02489060189821021},{"text":"Fantastic. Well done. That's really good. There's not a lot of people that proactively manage their health, so fantastic. That's really good.","start_word":8083,"end_word":8104,"sentiment":"positive","sentiment_score":0.46008315682411194},{"text":"Well, you know, I plan I to be around for a long time, and I don't wanna be in a war through another statistics. understand that. So... Now... Plan now for the future. Yeah. That's right. It's That's exactly right. simple things like when I'm 80, I wanna be able to hold my own groceries and walk up a flight of steps without having to stop, catch my breath, or, you know, I wanna be sprightly and agile at that age. I don't have to be like I was in 20, in my twenties Yeah. or even my forties, but enough to be able to be independent and I understand that. And they're they're brilliant strong. goals to have. And I don't think people probably think forward that far enough to plan that far ahead.","start_word":8105,"end_word":8239,"sentiment":"neutral","sentiment_score":0.09907156229019164},{"text":"So that's fantastic that you've got those goals set. I Oh, thank you. think it's great.","start_word":8240,"end_word":8255,"sentiment":"positive","sentiment_score":0.47014567255973816},{"text":"Given me food for thought too. And the final page of that is the adviser declaration. So that's just me saying that I am authorized to provide advice on the products I've given you. I've given you a financial services guide, which we I gave in our last review meeting. I've given you the product disclosure statements, which are in this lovely document... Attached to this lovely document that you've received. And then the next document over is the appendix to the statement of of advice. So that that is running through that. There's a risk profile page. So that will go... It shows you the different types of risk profile. You're down the middle there as a growth investor, and it just shows you the typical typical allocation would have to different sectors. I The... can't This... see that. Page 53. Do I have to hit the next button? Oh, yes. Sorry. Yes. Hit the next button. Sorry. That's my mistake there. Oh, no. It's asking me to sign now before I can go there. You shouldn't have to. If you just try hitting next Yep. Now it's taking me back to the signature. again. Yeah. It shouldn't do that. I wonder if it's how it's been set. Did you want me to just talk through the appendix? It's basically just factual information. Nothing specific like the document we've actually talked through. I'm just trying to think the best way to navigate that, and and it won't let you at all. Okay. Let me jump in in the background. Let's see. Yeah. No.","start_word":8256,"end_word":8519,"sentiment":"neutral","sentiment_score":-0.04138893950166124},{"text":"It won't let me change it.","start_word":8520,"end_word":8525,"sentiment":"negative","sentiment_score":-0.35536760091781616},{"text":"I might just explain it. Is that okay? And what... I mean, if... I don't want you to sign the statement of advice because you haven't had the chance to read it in full and understand it and come back with any questions that you could possibly have. So I'll just talk through the appendix. It's a generalized table that talks through the risk profile, so it will show you the difference between a balanced, balanced growth, growth, high growth, and aggressive investor. And they've all got different allocations that we typically invest in to the growth and defensive portfolio, but then it breaks it down further to the Australian shares, international share markets, and so on. The important information and relationship part of this document is the same for everybody. It is general notifications that the contents of the SOA is based on the information that you have provided to me, and I've taken all reasonable steps to ensure that it's correct. The advice is solely prepared for you as it is specific to your personal situation. So showing it with a friend, for example, wouldn't be beneficial to them because it's not based on their personal situation. The currency of the SOEs, SOA means that the advice and the document is valid for sixty days. After sixty days, we just need to restart the process again. And the reason for that is that client situations can change within a sixty day period. So we do make sure that we revisit to make sure all the information is updated and corrected, and we do start the process again. The no product guarantee, so we can't guarantee investment markets will do what we want them to do. I wish. So it's it's just saying that historical performance, again, is not a a forecast of future performance. Projections, we've done those based on conservative figures. They're not forecast. They're just they are forecast, and they... They're not forecast, and they shouldn't be relied on forecast... As forecast. They're simply projections based on conservative figures to help clients understand what they're working towards. In there is some links in the appendix to the investment options. So you know how I talked you through. We're changing some of the underlying investment options in your hub twenty four account. Yeah. The links to those in actual investment funds are in that document. Will I be getting And a then... new... One with those, like, those attachments to it? Will you be Sorry. sending... We Did you know how I can't I can't get into what you're... You know, after the... What you're talking about now. yep. I can't get into that because then it won't allow me to go any further. But will Yep. you be So, document with all that stuff in yeah, I it? can send you this post down meeting. I'll just add it to an email as a PDF for you. Okay.","start_word":8526,"end_word":9017,"sentiment":"neutral","sentiment_score":-0.0269337111641085},{"text":"Thank you. Yep. That's okay. It also just explains your investment return.","start_word":9018,"end_word":9029,"sentiment":"positive","sentiment_score":0.4377637803554535},{"text":"So in the document where I talked through what you can expect your super balance to be, this one's pretty important, and I'll reference it in the email to you. It just shows you those projected returns and fees with no salary sacrifice option. So that's the... Those are the returns and the fees that you can expect to see because we're not gonna proceed with the salary sacrifice at the moment. Yes. So I'll I'll outline that in the email. And then it... I did consider other insurance companies. So there's a couple of other insurance companies in there for trauma insurance. They were discounted because their loadings were higher than what TAO was offering. And then the same as always, there is an information piece at the end of that document that explains life insurance that's held through super and how that works. And then on the back of that is the PDF for the Cal insurance income protection is the updated PDF. So that's all those documents. I'm gonna put that appendix and the PDF on an email for you so you have that to review. And what I would ask is read through that document. If you have any questions before you sign, please reach out whether it be email or a phone call. I'll make the time to run through any questions that you have before you are happy to proceed. Okay. Alright. So should I wait? Or... I'll wait till I get those documents before I sign in. Yeah. That's absolutely fine. I just... I'd I'd like to make sure that any information... Any... Like, that you're... You have informed consent so you understand Yes. exactly what it is that we're doing and the purpose and everything. So I'm gonna pop those on an email to you now, and you should have those momentarily.","start_word":9030,"end_word":9339,"sentiment":"neutral","sentiment_score":0.14831826807029783},{"text":"Perfect.","start_word":9340,"end_word":9340,"sentiment":"positive","sentiment_score":0.5964705944061279},{"text":"Okay. And then I'll go back into this document and then once I've read them and find it. And then I'll come through to you automatically. Yeah? Yeah. Yeah. So then following that, what will happen is members of our team will reach out to you of our implementation team to fill out the... You'll receive beneficiary forms to update the beneficiary to, Gabrielle, and, a member of our team will reach out to you to start the, application process to increase the insurance premium... Oh, the income protection policy. Yes. Sorry. Just write this down. That's okay. And, actually, while I've got you, let me double check to make sure the ID we have on you on file has not expired. It has. So can I also ask? I'll put in an email as well. If you can just take a photo of the front and back of your driver's license and send that back to me. Sure. And, additionally, what I'm gonna send you is a link separate to the email you're gonna get from me now. I'll send it within the next hour. I... It'll be a link from the f... It'll say f triple a safe ID. What that does is we're required by law to make sure that people are estranged citizens, residency for tax purposes, whether they're politically exposed people, all those types of things. And this service being the f triple a, which is the Financial Advice Association of Australia, offers this service to us. We pay for it, and it's just you completing your details. It runs a check-in the background against all the government databases and gives us an answer so that we can make sure that we've fulfilled our obligations in relation to our legislative requirements as an advice... As an... A financial advice firm. So if I can... I'll send that to you just so you... When you receive it, you know that it's not spam, and I'll mention it in the email as well just so you know it's not.","start_word":9341,"end_word":9682,"sentiment":"neutral","sentiment_score":0.06416401031770204},{"text":"Beautiful. Alright, Carmen.","start_word":9683,"end_word":9685,"sentiment":"positive","sentiment_score":0.5515267252922058},{"text":"Well, again, any questions that you have once you have gone through it, please reach out. Okay? Okay.","start_word":9686,"end_word":9703,"sentiment":"neutral","sentiment_score":0.1741960346698761},{"text":"Okay. Thank you. Thanks, Carmen. Enjoy your afternoon. You too. See you later.","start_word":9704,"end_word":9716,"sentiment":"positive","sentiment_score":0.6387316584587097},{"text":"Bye. Bye. Bye.","start_word":9717,"end_word":9719,"sentiment":"neutral","sentiment_score":0.2376198768615723}],"average":{"sentiment":"neutral","sentiment_score":0.03444837913256975}}}}