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I only I was only off for a couple of weeks and then a bit of a slow transition back. My wife did all the heavy lifting, But, no, it went great. My my two sons absolutely adore their baby sister. And Yep. We're finished now, and I I'm doing pretty well in the sleep. So I hope I'm I'm sounding okay. Perfect. Have you still got about ten minutes for me today? Perfect. So I've got this advice strategy to send through to your email. Will you be able to look onto the documents with me, or should I just give you a bit of a walk walk through? No worries. So that'll come through now. Just while that's taking a moment, because there are a few attachments, I'm just gonna go through quick security check with you. If I could just grab your date of birth and address that we would have on file, please, Helena. Yep. Sensational. Thank you. And I'm registered with adviser 1273105. Are you okay for the call to be recorded? Amazing. So that should come through, and it should be listed as a signature request for statement of advice. And then once you go in there, there's sorry. Go for it. There's attachments at the bottom. We can ignore those for now. It's basically all the product documents. And if you can just hit into that sign button to open up the documents, you should see four in there starting with your statement of advice. You should see beachfront Gold Coast picture as cover page for that one. Yeah. I'll give it a minute. That is no worries at all. Yep. Oh, no. Oh, is it still kind of doing that thing where it just, like, ticks down and and slowly loads the picture? Or cool. So if you can scroll through to that kind of third and fourth page where it has our scope of advice. So what we're focusing on for this document is basically reviewing the portfolio to fix up some of the underperforming investments. We we're gonna review the health information for the insurance and try and get the fees down. And, also, we just did a bit of a projection for adding an extra $60 a week to super just to show what a better salary sacrifice would do as well. Yep. No worries at all. We're not giving any advice on the IAG shares or your debt management for, you know, caravans and and property and whatnot. It's really just around the super insurance review. Cool. Now if you can scroll through, page seven and eight has your details listed from our last conversation. Just, you know, income, email, phone, assets, and liabilities. Just making sure there's no major differences there. On the document, it's seven and eight. On the digital system, it's eight and nine. And it should be listed about you, and then the page after that is assets and liabilities. Yeah. We just got the home and the vehicle listed. Is that okay? Cool. And then if you go down past there, we've got the Clearview insurance policy on the next page in a table. So we've got the the 500,000 worth of life and disability insurance with Clearview. Now the big issue that we've got was the loading that you have, which is pushing it up above 7,000. And then if you go down just a little bit oh, so whenever there's an expense inside super, you get a 15% sort of tax rebate for any fees or premiums. So that's after the 15% is in the table at the top, which is 6,083 is what actually comes out of the super. Correct. Yeah. So if the the premium's 7,000, they will rebate 15% back and only take out the 6,000 for the premium. That's the main thing that I wanted to kind of deal with today. The portfolio side of things was actually pretty fun. So I'll just go through, and you should see the next two pages just has your balanced risk profile there. The page after the pie chart, you'll see strategy recommendations for the super to begin with. So what we're doing here just briefly is updating a few investments within the portfolio. We managed to get the fees down. There's a little bit of capital gains tax to pay to switch it around, which we factored in, and just really boost up those returns for all periods, one, three, five, and ten years, which you should see. There's another couple of pages of text here. I do apologize. Just talking about the advantages and disadvantages on the next page. We've got in terms of disadvantages, we always have the brokerage fees for purchasing ETFs with our portfolios, and there's about 400 and $17 of capital gains tax that the super will pay for switching investments. But we've managed to get the fees down about $3.55 a year just in the first year alone. If you go down yeah. So if you go in two more pages, you should see a table with some colored numbers on it with essentially the the difference comparison for you. You should see yeah. So, basically, $4.18 comes out for the capital gains tax when we switch the investments. You save $3.55 on the investment fees, which is about 40% drop. The contribution yes. Especially because they're percentage based. So the bigger your balance grows, the more fee savings there are. There's also the inclusion of the salary sacrifice, and I'm possibly able to drop the insurance premiums by at least $1,600, and I've factored that in as well. Yep. The five year rolling average will get your returns back up to around about that 9% mark above benchmark. And combined, all of this in the table below it, we should be able to boost things up by about a 100,000 over the next next ten years. Correct. This is all of the strategies mixed together, which is change the investments, lower the fees, lower the premiums, and put in the $60 a week. All of that combined goes into that projection table. So if we did none of these strategies or changes and we continue to pay the 6,000 and we kept the Benelon investments and we didn't put any extra in, you would probably hit around the $3.30 mark in ten years. And if we do all of these strategies, we should be able to push you above 400 Correct. They keep going up. So with h, every every year, they will increase the premiums. So I have to keep a lid on those pretty pretty heavily. If you go past there, there'll be just a very small page of investment returns and then the investments table after that, which is quite a few figures. I do apologize. Okay. You should see after that projection table, there'll be investment returns on the next page. It's a very small page with just one small table on it. Yep. I can still hear you loud and clear. On page sixteen and seventeen, we've got, like, an investment returns table and the investments table. Not too much to be said for the investments table, really just bumping things up across all periods. That extra sort of 22% per annum will really get things on track. The investments table, can you see that one there on the next page with the red heading? Big blue table has got quite a few figures in it. Yeah. So the main thing to kind of point out here is that we are going to remove that Benelong investment option that wasn't performing too well. I am recommending to update a few extra ones as well. Yep. So rather than just switching the one out, I wanna update a couple of them. And at the bottom of that table, you'll see kind of a few of the options options that we're adding in as some lower fee replacement options with a bit better performance as well. So just as an example, the BetaShares Australia 200 at the bottom of that table, that is a low fee replacement of Benelon. It chops the fees down about 80%, and it's performed much better over every time period. Couple of little fun things we've mixed in is just a bit of cybersecurity just with everything that's going on with the AI and everything like that. Those shares are doing pretty well. No. We're mixing those in as an additional component. Oh, no. Did you flick down to the the signature, did you? Bit hard on the phone, I imagine. Cool. Yep. It's a mixture of both. So the easiest way to read this table is the very last column and second last column. It shows you what we're recommending. And so anything that does have a number in it, like the one at the top that says five percent eleven thousand, that is what we're recommending to keep. The ones below it that is zero, that's the ones we're recommending to sell. And then the ones at the very bottom, the new inclusions. Cool. That pretty much concludes the superannuation side of things besides the asset allocation table on page 19, which just show that we keep within that kind of 65% growth asset. It's a very colored pie chart. Once you get to that colored pie chart, just wondering if you have any questions on on anything I've mentioned so far. Correct. We believe so. We do have much better track records for these over the last few years, and we believe going forward, they should perform much better as well. Oh, yeah. So let's say, worst case scenario is we have another, like, global financial crisis. There is a scenario where all of the ones that we count as a growth asset, which is, you know, shares, property, and gold. Actually, if you could just go down to page 19 for me and you can see that colored pie chart, can you see the different, like, pie segments? So if we look at the right half of that portfolio, you've got the light blue and the orange. That's your Australian international shares. If the entire world went down, that half is what would be affected there. The gray portion is like gold, and then cash is your yellow, and then blue is like your term deposits and bonds and things like that. So there is a scenario where, say, two thirds of your portfolio starts to go down, and then you would have that negative year where you may be down 15% if the world exploded. That is something that happens possibly once every decade or so that we do factor in. Yeah. Yeah. So the only way that that half goes down to zero is if every single company in Australia and The US disappeared off the face of the planet forever and they all went to zero and the government didn't help Microsoft or Commonwealth Bank or anyone, that's pretty much like Mad Max nuclear bombs going off at that point if all the companies just disappeared off the face of the planet. I can't protect you from that. You're okay? Go for it. Right. So I will just quickly log in to your account. Actually, I'll just go off the figures that are in the document. That will be a little bit easier. So if I go to the balance that we base this on, let's say you're sitting at 240 thousand in your super, and we had that other financial crisis, it could be sitting at 180,000 or something like that. That would then be a period of kind of letting it grow back up again. Like, for example, let's say you have 10 properties and all of those properties went down a $100,000 each, you would kind of not rush off to sell them. You would just give it a few years for those properties to get back up, and we would use your contributions to buy a few more. Then it should all grow over three to five years, and you'll be back up to, you know, 300,000 or above. As you get closer to retirement, no. They are not stupid at all. Risk is a very important thing because as you get closer to retirement, like, this is your money that you're gonna be living off, and it's all fun and games when you're 30 years old with $50 in super. When you've got hundreds of thousands in play and watching it go up and down to 50,000, it's not as comfortable. Just bear in mind that we do expect there to be that one or two years of the world blowing up over that decade, which we'll still aim for those goals even with that mixed in. The second thing that we do is in those last five to seven years, we're gonna slowly reduce your risk level down so that instead of having 50 percent in the share market, you'll go to forty and thirty and twenty and then retire with something nice and safe. Correct. So, yeah, when we do a review, you would pretty much say, hey. Look. If the balanced risk profile is 60% growth assets, we may bump you down to a moderate the next year with only 50%. And then when you retire, we could put you in typically, for pension phase, you have about 40% in growth assets still just to make sure you're topping up what you're pouring out. Yeah. Yeah. We can I mean, I've got some clients in retirement who are aggressive, But, yeah, still invested, but just conservatively in something that's more like maybe a third of it is in the market, and the rest of it is in, like, term deposits and safer items? Does that make sense? Yeah. Fantastic. Moving on to the next strategy, you'll just see to be honest, this is just a bit of information on contributions. It'll move into salary sacrifice. What that should do is your take home pay, which essentially, if we minus them off of each other, if you put $60 a week into your super through work, it'll probably $45 a week in your take home pay. So what I'll do, I'll give you a little bit of an exact. If yeah. So if you put 60 in, you should lose about $41 in your pay. So just for budgeting purposes. Correct. And that that difference goes into the super where it still is taxed at 15%, but there is that nice tax difference for you, and that'll boost things up quite nicely. Yeah. Now the one really, really important thing I have to run by you, if there's no questions on the contributions, which obviously just do that through work, we can send you a letter with the information if that helps your payroll, if they're not too comfortable adding that in. But I was just wanting to talk to you about the insurances as well. So can you go down to page 23 for me? You should see some blue tables about insurance replacements. So I did find we we had to call around regarding the health side of things. Cleave, you said that it's possible to remove the loading, which is increasing your price by 50%. If you were to have, like, a biopsy done, which was quite extreme in terms of steps that you would have to take. Now I found a provider called AIA, which is also one of the top six. They were offering it for that kind of 4,500 price, and they said that they wouldn't apply a loading if there was I'll I'll read it out exactly. Because I remember you saying the health had improved and everything, and that was looking a lot better. So what they would basically do through the application is they would send off for a doctor's report just to see the most recent liver function test and doctor's report combined. And if those are looking pretty stable and pretty good, they would offer it without that 50% loading of price. So what I'm wondering is either yep. Okay. Well, basically, if you're comfortable, what I would like to do is either way, though, either insurer is gonna have to request a doctor's report. So what I would do is I would like to replace ClearView with AIA, and I would book you in for an insurance application for October. If we send through that application, they will send a request to the doctor. And then when you see them in November, you just have to follow them up and say, hey. Have you sent that report through for the insurance company? And that will speed things up. K. So if you're comfortable with this, what I would do is book you in when you're available in October just to go through that kind of twenty minute discussion to put in an application to AIA. And then once that comes through, hopefully, that doctor's report gets sorted in November. They should let us know if it comes through okay. If they give us the good terms and the good price, then we're okay to cancel the Clearview policy, and you should be pretty cool. If there's any issues yeah. We keep we always keep it until the new one's in place. And if there's an issue that comes back from AIA, I'll jump on the phone to you and talk you through the options on what we do. Yeah. So I was wondering if you did know what your availability was like because the month's about to switch in a couple of days. I can get you booked in now, or I can just get the team to give you a call later this week to to sort of looking out. Yep. Yeah. Because we're about to switch to daylight savings next week, I believe. New South Wales time? Yeah. So what I can do is I'll put in a bit of a booking spot for 4PM your time on those three Tuesdays, and then I'll just get Maddie to give you a call to run through the application. And then hopefully, you catch each other. If not, she'll try again the following week. How's sound? I we can do if that's easier for you, or I can just get them to try it. But I would perfect. I mean, we can actually do next Tuesday if that works for you. Cool. No. You're alright. That's that's better to be safe than sorry. So I'll put one in for for next Tuesday. Yes. That should give us just enough time. I'll do 4PM New South Wales time for and we we call it a personal statement, which is where you do, like, the health and occupation questions. We will prefill it with everything that you used when we set up Clearview, but they'll still have to run by and see if there's been any health changes and some updated information. So if everything's pretty much a no besides that, it skips through quite quickly. If there are a lot of yes, this condition, yes, that condition, there's always those extra questions about when did it happen, who did you see, what medications, all that kind of of thing. Perfect. Alright. So I'll put that in for 4PM New South Wales next Tuesday the sixth. And what I'll do is I'll get a bit of a text message reminder a couple of hours prior as well. Easy. Alright. So just to kind of cap things off, Lima, we've got just gonna send off that invitation to the team. So, basically, that's the advice that we're doing. Update the portfolio, add the contributions, sort out the insurances. There is a little bit towards the bottom of the document where we talk about if we are putting in place AIA, we'll do a beneficiary nomination for that new life insurance policy, which I believe you had split between your spouse and two children, $5,025.25. Cool. So we'll make sure that reflects on hub and the new policy once it's in force. There's a few reminders about wills and powers of attorney. Please bear in mind as well that anytime we we establish an insurance policy through any of these providers, be it Clearview, AIA, TAL, whoever, we do get paid 66% of the first year's premium from them to us for the establishment and then 22% ongoing to manage it, alter the policies, and help with claims assistance and claims advice. Yes. Not on top and not paid personally. It's always factored into the price already. Yep. Oh, yes. That's right. So that's what the super might be with the current premiums versus the lower premiums versus no premiums at all to show you the impact that that has on the super. Oh, absolutely. This does factor in all the super recommendations, so this is just purely what are the premiums doing to the balance. Cool. And that's pretty much it. So from here, if you're comfortable with all of this, the bottom of this document, the second last page has the authority to proceed. We've got no. That's okay. Here's your yearly reminder from us. If you're comfortable with that, basically, there's a a begin button that'll either pull you down to sign or you can just scroll down to that second last page. So there is the big box is just if you don't wanna go ahead with one of one of the recommendations, you can actually write in the difference that you would like to make. If you are comfortable with everything, you could just skip the big box and just put in the signature box, the small one, and the date box next to it. Once that one's done, there should be a button saying next document. That's okay. I'll keep an eye on my end. Yeah. So once all the mandatory signatures are in on that page, there should be a button saying next document. Yep. Yeah. And then that's basically the appendix with the extra research on there, and you should be able to just hit next document again. And you should then see the red AIA quote, which on yep. This is just a a quote for the recommendation. If you go to the second page, there's a signature and date spot on that one. Then, basically, there will be a next document, which would just be your certificate of currency for the current insurance. Yeah. Yep. And then the last document when you hit next document should be that kind of pinky purple clear view just showing you what your current insurances are. And it should just end there with a validate button to send all of that through back to us. Correct. There's usually a button to download a copy, but they do email you a signed copy as well, of course. And because the intent's running a bit slow, when you hit validate, it'll probably spin that circle for a little while, but it has actually come through signed to me already. Yep. Oh, if you can't download it, they'll email you a copy, and we can always send it to you as well. Awesome. Thank you so much for that. That's come through perfectly. Alright. How are you going on the systems there? Is it all kind of loaded and okay on your end? Perfect. Basically, from here, we'll go through that application with you next Tuesday at four o'clock your time. And then like I said, when you go to the doctors, they'll probably have an outstanding email from the insurer saying, can you give us a report? If you can give them a little nudge, that'll speed things up a little bit. We will include that in the application. So when they run through all the questions with you, you just gotta say which doctor or which clinic, and then they can send a they call it, like, a MediBridge request through a specific system. Awesome. Alrighty. Any questions for me? Of course. Of course. Of course. I do have a few bookings every now and then, but the team can answer most questions. And if not, they'll do it with me. The only thing I will just mention is because this is part that I forget quite often, so I do apologize. We do have your ID on file valid until 2028. So what we essentially do is any applications, we will certify that and send that off to the product provider. Once we get to December 2028, we'll probably have to get a updated copy of the license. That's all. It's still valid for a couple of years, so we should be good for a while. No worries at all. Oh, me too. I'm I'm about due in, I think, February, and I'm dying to update it. Yeah. It's a while away. Awesome, Helena. Thank you so much for your time today. Yeah. I'm still here. Sorry. Just cut out for a second there. Oh, beautiful. We did the old switcheroo. Oh, perfect. I do apologize. We had a bit of a play up with the system for the messages. Yeah. Fantastic. Thanks, Salima. We'll talk to you on Tuesday. You too. 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afternoon, Halima. It's Tommy here from Oakview. How are you doing? I'm doing fantastic. How are you?\n\nYes. I am. That was fantastic. The oh, yeah. I only I was only off for a couple of weeks and then a bit of a slow transition back.\n\nMy wife did all the heavy lifting, But, no, it went great. My my two sons absolutely adore their baby sister. And Yep. We're finished now, and I I'm doing pretty well in the sleep. So I hope I'm I'm sounding okay.\n\nPerfect. Have you still got about ten minutes for me today? Perfect. So I've got this advice strategy to send through to your email. Will you be able to look onto the documents with me, or should I just give you a bit of a walk walk through?\n\nNo worries. So that'll come through now. Just while that's taking a moment, because there are a few attachments, I'm just gonna go through quick security check with you. If I could just grab your date of birth and address that we would have on file, please, Helena. Yep.\n\nSensational. Thank you. And I'm registered with adviser 1273105. Are you okay for the call to be recorded? Amazing.\n\nSo that should come through, and it should be listed as a signature request for statement of advice. And then once you go in there, there's sorry. Go for it. There's attachments at the bottom. We can ignore those for now.\n\nIt's basically all the product documents. And if you can just hit into that sign button to open up the documents, you should see four in there starting with your statement of advice. You should see beachfront Gold Coast picture as cover page for that one. Yeah. I'll give it a minute.\n\nThat is no worries at all. Yep. Oh, no. Oh, is it still kind of doing that thing where it just, like, ticks down and and slowly loads the picture? Or cool.\n\nSo if you can scroll through to that kind of third and fourth page where it has our scope of advice. So what we're focusing on for this document is basically reviewing the portfolio to fix up some of the underperforming investments. We we're gonna review the health information for the insurance and try and get the fees down. And, also, we just did a bit of a projection for adding an extra $60 a week to super just to show what a better salary sacrifice would do as well. Yep.\n\nNo worries at all. We're not giving any advice on the IAG shares or your debt management for, you know, caravans and and property and whatnot. It's really just around the super insurance review. Cool. Now if you can scroll through, page seven and eight has your details listed from our last conversation.\n\nJust, you know, income, email, phone, assets, and liabilities. Just making sure there's no major differences there. On the document, it's seven and eight. On the digital system, it's eight and nine. And it should be listed about you, and then the page after that is assets and liabilities.\n\nYeah. We just got the home and the vehicle listed. Is that okay? Cool. And then if you go down past there, we've got the Clearview insurance policy on the next page in a table.\n\nSo we've got the the 500,000 worth of life and disability insurance with Clearview. Now the big issue that we've got was the loading that you have, which is pushing it up above 7,000. And then if you go down just a little bit oh, so whenever there's an expense inside super, you get a 15% sort of tax rebate for any fees or premiums. So that's after the 15% is in the table at the top, which is 6,083 is what actually comes out of the super. Correct.\n\nYeah. So if the the premium's 7,000, they will rebate 15% back and only take out the 6,000 for the premium. That's the main thing that I wanted to kind of deal with today. The portfolio side of things was actually pretty fun. So I'll just go through, and you should see the next two pages just has your balanced risk profile there.\n\nThe page after the pie chart, you'll see strategy recommendations for the super to begin with. So what we're doing here just briefly is updating a few investments within the portfolio. We managed to get the fees down. There's a little bit of capital gains tax to pay to switch it around, which we factored in, and just really boost up those returns for all periods, one, three, five, and ten years, which you should see. There's another couple of pages of text here.\n\nI do apologize. Just talking about the advantages and disadvantages on the next page. We've got in terms of disadvantages, we always have the brokerage fees for purchasing ETFs with our portfolios, and there's about 400 and $17 of capital gains tax that the super will pay for switching investments. But we've managed to get the fees down about $3.55 a year just in the first year alone. If you go down yeah.\n\nSo if you go in two more pages, you should see a table with some colored numbers on it with essentially the the difference comparison for you. You should see yeah. So, basically, $4.18 comes out for the capital gains tax when we switch the investments. You save $3.55 on the investment fees, which is about 40% drop. The contribution yes.\n\nEspecially because they're percentage based. So the bigger your balance grows, the more fee savings there are. There's also the inclusion of the salary sacrifice, and I'm possibly able to drop the insurance premiums by at least $1,600, and I've factored that in as well. Yep. The five year rolling average will get your returns back up to around about that 9% mark above benchmark.\n\nAnd combined, all of this in the table below it, we should be able to boost things up by about a 100,000 over the next next ten years. Correct. This is all of the strategies mixed together, which is change the investments, lower the fees, lower the premiums, and put in the $60 a week. All of that combined goes into that projection table. So if we did none of these strategies or changes and we continue to pay the 6,000 and we kept the Benelon investments and we didn't put any extra in, you would probably hit around the $3.30 mark in ten years.\n\nAnd if we do all of these strategies, we should be able to push you above 400 Correct. They keep going up. So with h, every every year, they will increase the premiums. So I have to keep a lid on those pretty pretty heavily. If you go past there, there'll be just a very small page of investment returns and then the investments table after that, which is quite a few figures.\n\nI do apologize. Okay. You should see after that projection table, there'll be investment returns on the next page. It's a very small page with just one small table on it. Yep.\n\nI can still hear you loud and clear. On page sixteen and seventeen, we've got, like, an investment returns table and the investments table. Not too much to be said for the investments table, really just bumping things up across all periods. That extra sort of 22% per annum will really get things on track. The investments table, can you see that one there on the next page with the red heading?\n\nBig blue table has got quite a few figures in it. Yeah. So the main thing to kind of point out here is that we are going to remove that Benelong investment option that wasn't performing too well. I am recommending to update a few extra ones as well. Yep.\n\nSo rather than just switching the one out, I wanna update a couple of them. And at the bottom of that table, you'll see kind of a few of the options options that we're adding in as some lower fee replacement options with a bit better performance as well. So just as an example, the BetaShares Australia 200 at the bottom of that table, that is a low fee replacement of Benelon. It chops the fees down about 80%, and it's performed much better over every time period. Couple of little fun things we've mixed in is just a bit of cybersecurity just with everything that's going on with the AI and everything like that.\n\nThose shares are doing pretty well. No. We're mixing those in as an additional component. Oh, no. Did you flick down to the the signature, did you?\n\nBit hard on the phone, I imagine. Cool. Yep. It's a mixture of both. So the easiest way to read this table is the very last column and second last column.\n\nIt shows you what we're recommending. And so anything that does have a number in it, like the one at the top that says five percent eleven thousand, that is what we're recommending to keep. The ones below it that is zero, that's the ones we're recommending to sell. And then the ones at the very bottom, the new inclusions. Cool.\n\nThat pretty much concludes the superannuation side of things besides the asset allocation table on page 19, which just show that we keep within that kind of 65% growth asset. It's a very colored pie chart. Once you get to that colored pie chart, just wondering if you have any questions on on anything I've mentioned so far. Correct. We believe so.\n\nWe do have much better track records for these over the last few years, and we believe going forward, they should perform much better as well. Oh, yeah. So let's say, worst case scenario is we have another, like, global financial crisis. There is a scenario where all of the ones that we count as a growth asset, which is, you know, shares, property, and gold. Actually, if you could just go down to page 19 for me and you can see that colored pie chart, can you see the different, like, pie segments?\n\nSo if we look at the right half of that portfolio, you've got the light blue and the orange. That's your Australian international shares. If the entire world went down, that half is what would be affected there. The gray portion is like gold, and then cash is your yellow, and then blue is like your term deposits and bonds and things like that. So there is a scenario where, say, two thirds of your portfolio starts to go down, and then you would have that negative year where you may be down 15% if the world exploded.\n\nThat is something that happens possibly once every decade or so that we do factor in. Yeah. Yeah. So the only way that that half goes down to zero is if every single company in Australia and The US disappeared off the face of the planet forever and they all went to zero and the government didn't help Microsoft or Commonwealth Bank or anyone, that's pretty much like Mad Max nuclear bombs going off at that point if all the companies just disappeared off the face of the planet. I can't protect you from that.\n\nYou're okay? Go for it. Right. So I will just quickly log in to your account. Actually, I'll just go off the figures that are in the document.\n\nThat will be a little bit easier. So if I go to the balance that we base this on, let's say you're sitting at 240 thousand in your super, and we had that other financial crisis, it could be sitting at 180,000 or something like that. That would then be a period of kind of letting it grow back up again. Like, for example, let's say you have 10 properties and all of those properties went down a $100,000 each, you would kind of not rush off to sell them. You would just give it a few years for those properties to get back up, and we would use your contributions to buy a few more.\n\nThen it should all grow over three to five years, and you'll be back up to, you know, 300,000 or above. As you get closer to retirement, no. They are not stupid at all. Risk is a very important thing because as you get closer to retirement, like, this is your money that you're gonna be living off, and it's all fun and games when you're 30 years old with $50 in super. When you've got hundreds of thousands in play and watching it go up and down to 50,000, it's not as comfortable.\n\nJust bear in mind that we do expect there to be that one or two years of the world blowing up over that decade, which we'll still aim for those goals even with that mixed in. The second thing that we do is in those last five to seven years, we're gonna slowly reduce your risk level down so that instead of having 50 percent in the share market, you'll go to forty and thirty and twenty and then retire with something nice and safe. Correct. So, yeah, when we do a review, you would pretty much say, hey. Look.\n\nIf the balanced risk profile is 60% growth assets, we may bump you down to a moderate the next year with only 50%. And then when you retire, we could put you in typically, for pension phase, you have about 40% in growth assets still just to make sure you're topping up what you're pouring out. Yeah. Yeah. We can I mean, I've got some clients in retirement who are aggressive, But, yeah, still invested, but just conservatively in something that's more like maybe a third of it is in the market, and the rest of it is in, like, term deposits and safer items?\n\nDoes that make sense? Yeah. Fantastic. Moving on to the next strategy, you'll just see to be honest, this is just a bit of information on contributions. It'll move into salary sacrifice.\n\nWhat that should do is your take home pay, which essentially, if we minus them off of each other, if you put $60 a week into your super through work, it'll probably $45 a week in your take home pay. So what I'll do, I'll give you a little bit of an exact. If yeah. So if you put 60 in, you should lose about $41 in your pay. So just for budgeting purposes.\n\nCorrect. And that that difference goes into the super where it still is taxed at 15%, but there is that nice tax difference for you, and that'll boost things up quite nicely. Yeah. Now the one really, really important thing I have to run by you, if there's no questions on the contributions, which obviously just do that through work, we can send you a letter with the information if that helps your payroll, if they're not too comfortable adding that in. But I was just wanting to talk to you about the insurances as well.\n\nSo can you go down to page 23 for me? You should see some blue tables about insurance replacements. So I did find we we had to call around regarding the health side of things. Cleave, you said that it's possible to remove the loading, which is increasing your price by 50%. If you were to have, like, a biopsy done, which was quite extreme in terms of steps that you would have to take.\n\nNow I found a provider called AIA, which is also one of the top six. They were offering it for that kind of 4,500 price, and they said that they wouldn't apply a loading if there was I'll I'll read it out exactly. Because I remember you saying the health had improved and everything, and that was looking a lot better. So what they would basically do through the application is they would send off for a doctor's report just to see the most recent liver function test and doctor's report combined. And if those are looking pretty stable and pretty good, they would offer it without that 50% loading of price.\n\nSo what I'm wondering is either yep. Okay. Well, basically, if you're comfortable, what I would like to do is either way, though, either insurer is gonna have to request a doctor's report. So what I would do is I would like to replace ClearView with AIA, and I would book you in for an insurance application for October. If we send through that application, they will send a request to the doctor.\n\nAnd then when you see them in November, you just have to follow them up and say, hey. Have you sent that report through for the insurance company? And that will speed things up. K. So if you're comfortable with this, what I would do is book you in when you're available in October just to go through that kind of twenty minute discussion to put in an application to AIA.\n\nAnd then once that comes through, hopefully, that doctor's report gets sorted in November. They should let us know if it comes through okay. If they give us the good terms and the good price, then we're okay to cancel the Clearview policy, and you should be pretty cool. If there's any issues yeah. We keep we always keep it until the new one's in place.\n\nAnd if there's an issue that comes back from AIA, I'll jump on the phone to you and talk you through the options on what we do. Yeah. So I was wondering if you did know what your availability was like because the month's about to switch in a couple of days. I can get you booked in now, or I can just get the team to give you a call later this week to to sort of looking out. Yep.\n\nYeah. Because we're about to switch to daylight savings next week, I believe. New South Wales time? Yeah. So what I can do is I'll put in a bit of a booking spot for 4PM your time on those three Tuesdays, and then I'll just get Maddie to give you a call to run through the application.\n\nAnd then hopefully, you catch each other. If not, she'll try again the following week. How's sound? I we can do if that's easier for you, or I can just get them to try it. But I would perfect.\n\nI mean, we can actually do next Tuesday if that works for you. Cool. No. You're alright. That's that's better to be safe than sorry.\n\nSo I'll put one in for for next Tuesday. Yes. That should give us just enough time. I'll do 4PM New South Wales time for and we we call it a personal statement, which is where you do, like, the health and occupation questions. We will prefill it with everything that you used when we set up Clearview, but they'll still have to run by and see if there's been any health changes and some updated information.\n\nSo if everything's pretty much a no besides that, it skips through quite quickly. If there are a lot of yes, this condition, yes, that condition, there's always those extra questions about when did it happen, who did you see, what medications, all that kind of of thing. Perfect. Alright. So I'll put that in for 4PM New South Wales next Tuesday the sixth.\n\nAnd what I'll do is I'll get a bit of a text message reminder a couple of hours prior as well. Easy. Alright. So just to kind of cap things off, Lima, we've got just gonna send off that invitation to the team. So, basically, that's the advice that we're doing.\n\nUpdate the portfolio, add the contributions, sort out the insurances. There is a little bit towards the bottom of the document where we talk about if we are putting in place AIA, we'll do a beneficiary nomination for that new life insurance policy, which I believe you had split between your spouse and two children, $5,025.25. Cool. So we'll make sure that reflects on hub and the new policy once it's in force. There's a few reminders about wills and powers of attorney.\n\nPlease bear in mind as well that anytime we we establish an insurance policy through any of these providers, be it Clearview, AIA, TAL, whoever, we do get paid 66% of the first year's premium from them to us for the establishment and then 22% ongoing to manage it, alter the policies, and help with claims assistance and claims advice. Yes. Not on top and not paid personally. It's always factored into the price already. Yep.\n\nOh, yes. That's right. So that's what the super might be with the current premiums versus the lower premiums versus no premiums at all to show you the impact that that has on the super. Oh, absolutely. This does factor in all the super recommendations, so this is just purely what are the premiums doing to the balance.\n\nCool. And that's pretty much it. So from here, if you're comfortable with all of this, the bottom of this document, the second last page has the authority to proceed. We've got no. That's okay.\n\nHere's your yearly reminder from us. If you're comfortable with that, basically, there's a a begin button that'll either pull you down to sign or you can just scroll down to that second last page. So there is the big box is just if you don't wanna go ahead with one of one of the recommendations, you can actually write in the difference that you would like to make. If you are comfortable with everything, you could just skip the big box and just put in the signature box, the small one, and the date box next to it. Once that one's done, there should be a button saying next document.\n\nThat's okay. I'll keep an eye on my end. Yeah. So once all the mandatory signatures are in on that page, there should be a button saying next document. Yep.\n\nYeah. And then that's basically the appendix with the extra research on there, and you should be able to just hit next document again. And you should then see the red AIA quote, which on yep. This is just a a quote for the recommendation. If you go to the second page, there's a signature and date spot on that one.\n\nThen, basically, there will be a next document, which would just be your certificate of currency for the current insurance. Yeah. Yep. And then the last document when you hit next document should be that kind of pinky purple clear view just showing you what your current insurances are. And it should just end there with a validate button to send all of that through back to us.\n\nCorrect. There's usually a button to download a copy, but they do email you a signed copy as well, of course. And because the intent's running a bit slow, when you hit validate, it'll probably spin that circle for a little while, but it has actually come through signed to me already. Yep. Oh, if you can't download it, they'll email you a copy, and we can always send it to you as well.\n\nAwesome. Thank you so much for that. That's come through perfectly. Alright. How are you going on the systems there?\n\nIs it all kind of loaded and okay on your end? Perfect. Basically, from here, we'll go through that application with you next Tuesday at four o'clock your time. And then like I said, when you go to the doctors, they'll probably have an outstanding email from the insurer saying, can you give us a report? If you can give them a little nudge, that'll speed things up a little bit.\n\nWe will include that in the application. So when they run through all the questions with you, you just gotta say which doctor or which clinic, and then they can send a they call it, like, a MediBridge request through a specific system. Awesome. Alrighty. Any questions for me?\n\nOf course. Of course. Of course. I do have a few bookings every now and then, but the team can answer most questions. And if not, they'll do it with me.\n\nThe only thing I will just mention is because this is part that I forget quite often, so I do apologize. We do have your ID on file valid until 2028. So what we essentially do is any applications, we will certify that and send that off to the product provider. Once we get to December 2028, we'll probably have to get a updated copy of the license. That's all.\n\nIt's still valid for a couple of years, so we should be good for a while. No worries at all. Oh, me too. I'm I'm about due in, I think, February, and I'm dying to update it. Yeah.\n\nIt's a while away. Awesome, Helena. Thank you so much for your time today. Yeah. I'm still here.\n\nSorry. Just cut out for a second there. Oh, beautiful. We did the old switcheroo. Oh, perfect.\n\nI do apologize. We had a bit of a play up with the system for the messages. Yeah. Fantastic. Thanks, Salima.\n\nWe'll talk to you on Tuesday. You too. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Halima.","start":2.24,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.2701910932858785},{"text":"It's Tommy here from Oakview.","start":3.4399998,"end":4.64,"sentiment":"neutral","sentiment_score":0.17778483033180237},{"text":"How are you doing?","start":4.64,"end":5.46,"sentiment":"neutral","sentiment_score":0.1681285724043846},{"text":"I'm doing fantastic.","start":6.8799996,"end":7.715,"sentiment":"positive","sentiment_score":0.7175033887227377},{"text":"How are you?","start":7.715,"end":8.74,"sentiment":"positive","sentiment_score":0.46843313177426654}],"sentiment":"neutral","sentiment_score":0.3294345157013999,"num_words":18,"start":2.24,"end":8.74},{"sentences":[{"text":"Yes.","start":12.4,"end":12.765,"sentiment":"neutral","sentiment_score":0.03324023261666298},{"text":"I am.","start":13.645,"end":14.225,"sentiment":"neutral","sentiment_score":0.10187734663486481},{"text":"That was fantastic.","start":14.445001,"end":15.425,"sentiment":"positive","sentiment_score":0.5821448763211569},{"text":"The oh, yeah.","start":15.645,"end":19.085,"sentiment":"neutral","sentiment_score":0.004677601158618927},{"text":"I only I was only off for a couple of weeks and then a bit of a slow transition back.","start":19.085,"end":23.265,"sentiment":"neutral","sentiment_score":-0.04615553962066769}],"sentiment":"neutral","sentiment_score":0.037046605721116066,"num_words":29,"start":12.4,"end":23.265},{"sentences":[{"text":"My wife did all the heavy lifting, But, no, it went great.","start":23.565,"end":28.66,"sentiment":"neutral","sentiment_score":0.21109184560676417},{"text":"My my two sons absolutely adore their baby sister.","start":29.12,"end":32.18,"sentiment":"positive","sentiment_score":0.6766960355970595},{"text":"And Yep.","start":32.48,"end":35.52,"sentiment":"positive","sentiment_score":0.3796875476837158},{"text":"We're finished now, and I I'm doing pretty well in the sleep.","start":36.0,"end":39.28,"sentiment":"positive","sentiment_score":0.39288987467686337},{"text":"So I hope I'm I'm sounding okay.","start":39.28,"end":41.06,"sentiment":"neutral","sentiment_score":0.21538524968283518}],"sentiment":"positive","sentiment_score":0.3715504001648653,"num_words":42,"start":23.565,"end":41.06},{"sentences":[{"text":"Perfect.","start":42.855,"end":43.355,"sentiment":"neutral","sentiment_score":0.2952592372894287},{"text":"Have you still got about ten minutes for me today?","start":43.735,"end":46.075,"sentiment":"neutral","sentiment_score":0.10032584816217423},{"text":"Perfect.","start":47.495,"end":47.995,"sentiment":"neutral","sentiment_score":0.1713712364435196},{"text":"So I've got this advice strategy to send through to your email.","start":48.055,"end":52.795,"sentiment":"neutral","sentiment_score":0.08394468824068706},{"text":"Will you be able to look onto the documents with me, or should I just give you a bit of a walk walk through?","start":52.934998,"end":60.670002,"sentiment":"neutral","sentiment_score":0.036551270983181894}],"sentiment":"neutral","sentiment_score":0.0698844941216521,"num_words":48,"start":42.855,"end":60.670002},{"sentences":[{"text":"No worries.","start":60.97,"end":61.530003,"sentiment":"neutral","sentiment_score":0.018978731706738472},{"text":"So that'll come through now.","start":61.530003,"end":63.07,"sentiment":"neutral","sentiment_score":0.019839866273105144},{"text":"Just while that's taking a moment, because there are a few attachments, I'm just gonna go through quick security check with you.","start":64.17,"end":70.265,"sentiment":"neutral","sentiment_score":0.014475684485990892},{"text":"If I could just grab your date of birth and address that we would have on file, please, Helena.","start":70.485,"end":75.625,"sentiment":"neutral","sentiment_score":0.02497278908757787},{"text":"Yep.","start":77.445,"end":77.945,"sentiment":"neutral","sentiment_score":0.016697412356734276}],"sentiment":"neutral","sentiment_score":0.01932249507125543,"num_words":49,"start":60.97,"end":77.945},{"sentences":[{"text":"Sensational.","start":79.685005,"end":80.185005,"sentiment":"neutral","sentiment_score":0.045410193502902985},{"text":"Thank you.","start":81.285,"end":82.02,"sentiment":"neutral","sentiment_score":0.1375223472714424},{"text":"And I'm registered with adviser 1273105.","start":82.18,"end":85.299995,"sentiment":"neutral","sentiment_score":0.04290780300895373},{"text":"Are you okay for the call to be recorded?","start":85.299995,"end":87.24,"sentiment":"neutral","sentiment_score":0.03411944065656927},{"text":"Amazing.","start":89.21999,"end":89.71999,"sentiment":"neutral","sentiment_score":0.19389542937278748}],"sentiment":"neutral","sentiment_score":0.05678274217796953,"num_words":19,"start":79.685005,"end":89.71999},{"sentences":[{"text":"So that should come through, and it should be listed as a signature request for statement of advice.","start":89.85999,"end":94.185,"sentiment":"neutral","sentiment_score":0.11712367315259245},{"text":"And then once you go in there, there's sorry.","start":96.185,"end":99.465,"sentiment":"neutral","sentiment_score":-0.022220791834923957},{"text":"Go for it.","start":99.465,"end":100.365,"sentiment":"neutral","sentiment_score":-0.025792691856622696},{"text":"There's attachments at the bottom.","start":102.66499,"end":104.265,"sentiment":"neutral","sentiment_score":-0.012854448519647121},{"text":"We can ignore those for now.","start":104.265,"end":105.625,"sentiment":"neutral","sentiment_score":-0.03695866030951341}],"sentiment":"neutral","sentiment_score":0.03767894415139425,"num_words":41,"start":89.85999,"end":105.625},{"sentences":[{"text":"It's basically all the product documents.","start":105.625,"end":107.244995,"sentiment":"neutral","sentiment_score":0.04243174443642298},{"text":"And if you can just hit into that sign button to open up the documents, you should see four in there starting with your statement of advice.","start":107.79,"end":115.329994,"sentiment":"neutral","sentiment_score":0.038085846644308835},{"text":"You should see beachfront Gold Coast picture as cover page for that one.","start":119.47,"end":126.284996,"sentiment":"neutral","sentiment_score":0.026170554141012523},{"text":"Yeah.","start":128.58499,"end":128.985,"sentiment":"neutral","sentiment_score":-0.12968026101589203},{"text":"I'll give it a minute.","start":128.985,"end":130.125,"sentiment":"neutral","sentiment_score":-0.09734169691801071}],"sentiment":"neutral","sentiment_score":0.019360322773886416,"num_words":52,"start":105.625,"end":130.125},{"sentences":[{"text":"That is no worries at all.","start":131.465,"end":133.08499,"sentiment":"neutral","sentiment_score":-0.11209568505485852},{"text":"Yep.","start":141.89,"end":142.39,"sentiment":"neutral","sentiment_score":0.02494029700756073},{"text":"Oh, no.","start":142.61,"end":143.35,"sentiment":"neutral","sentiment_score":-0.036399093456566334},{"text":"Oh, is it still kind of doing that thing where it just, like, ticks down and and slowly loads the picture?","start":153.905,"end":158.705,"sentiment":"neutral","sentiment_score":0.02335456253162452},{"text":"Or cool.","start":158.705,"end":166.31999,"sentiment":"neutral","sentiment_score":0.18163342773914337}],"sentiment":"neutral","sentiment_score":0.004165020887739956,"num_words":32,"start":131.465,"end":166.31999},{"sentences":[{"text":"So if you can scroll through to that kind of third and fourth page where it has our scope of advice.","start":166.31999,"end":173.06,"sentiment":"neutral","sentiment_score":0.10665555617638997},{"text":"So what we're focusing on for this document is basically reviewing the portfolio to fix up some of the underperforming investments.","start":175.515,"end":182.575,"sentiment":"neutral","sentiment_score":0.09641502637948308},{"text":"We we're gonna review the health information for the insurance and try and get the fees down.","start":183.11499,"end":188.89499,"sentiment":"neutral","sentiment_score":0.10645400864236496},{"text":"And, also, we just did a bit of a projection for adding an extra $60 a week to super just to show what a better salary sacrifice would do as well.","start":189.13,"end":198.11,"sentiment":"neutral","sentiment_score":0.08332137463073577},{"text":"Yep.","start":202.97,"end":203.37,"sentiment":"neutral","sentiment_score":-0.00088539719581604}],"sentiment":"neutral","sentiment_score":0.09512392963681902,"num_words":91,"start":166.31999,"end":203.37},{"sentences":[{"text":"No worries at all.","start":203.37,"end":204.315,"sentiment":"neutral","sentiment_score":-0.043974860571324825},{"text":"We're not giving any advice on the IAG shares or your debt management for, you know, caravans and and property and whatnot.","start":204.875,"end":213.05501,"sentiment":"neutral","sentiment_score":-0.1242315892807462},{"text":"It's really just around the super insurance review.","start":213.115,"end":215.455,"sentiment":"neutral","sentiment_score":0.0028993189334869385},{"text":"Cool.","start":216.795,"end":217.23,"sentiment":"neutral","sentiment_score":0.2543625831604004},{"text":"Now if you can scroll through, page seven and eight has your details listed from our last conversation.","start":217.39,"end":223.09,"sentiment":"neutral","sentiment_score":0.1428687738047706}],"sentiment":"neutral","sentiment_score":-0.0011282894971235743,"num_words":53,"start":203.37,"end":223.09},{"sentences":[{"text":"Just, you know, income, email, phone, assets, and liabilities.","start":223.47,"end":226.69,"sentiment":"neutral","sentiment_score":0.1170313341750039},{"text":"Just making sure there's no major differences there.","start":226.83,"end":229.65,"sentiment":"neutral","sentiment_score":0.08639343082904816},{"text":"On the document, it's seven and eight.","start":233.41501,"end":235.515,"sentiment":"neutral","sentiment_score":-0.01701750193855592},{"text":"On the digital system, it's eight and nine.","start":235.575,"end":238.155,"sentiment":"neutral","sentiment_score":0.006514277949463576},{"text":"And it should be listed about you, and then the page after that is assets and liabilities.","start":246.855,"end":252.20999,"sentiment":"neutral","sentiment_score":0.029752846423755672}],"sentiment":"neutral","sentiment_score":0.044555501090552736,"num_words":49,"start":223.47,"end":252.20999},{"sentences":[{"text":"Yeah.","start":254.90999,"end":255.23,"sentiment":"neutral","sentiment_score":0.04792996868491173},{"text":"We just got the home and the vehicle listed.","start":255.23,"end":257.41,"sentiment":"neutral","sentiment_score":0.053708879484070673},{"text":"Is that okay?","start":259.38998,"end":260.28998,"sentiment":"neutral","sentiment_score":0.16602282722791037},{"text":"Cool.","start":261.78998,"end":262.03,"sentiment":"positive","sentiment_score":0.4972299337387085},{"text":"And then if you go down past there, we've got the Clearview insurance policy on the next page in a table.","start":262.03,"end":267.935,"sentiment":"neutral","sentiment_score":0.15365811685721079}],"sentiment":"neutral","sentiment_score":0.13581225009901182,"num_words":35,"start":254.90999,"end":267.935},{"sentences":[{"text":"So we've got the the 500,000 worth of life and disability insurance with Clearview.","start":269.91498,"end":274.255,"sentiment":"neutral","sentiment_score":0.2107393363756793},{"text":"Now the big issue that we've got was the loading that you have, which is pushing it up above 7,000.","start":274.475,"end":280.53,"sentiment":"neutral","sentiment_score":-0.2535592757165432},{"text":"And then if you go down just a little bit oh, so whenever there's an expense inside super, you get a 15% sort of tax rebate for any fees or premiums.","start":284.27002,"end":301.205,"sentiment":"neutral","sentiment_score":-0.006288982567287261},{"text":"So that's after the 15% is in the table at the top, which is 6,083 is what actually comes out of the super.","start":301.26498,"end":310.39,"sentiment":"neutral","sentiment_score":0.027327111719743065},{"text":"Correct.","start":315.01,"end":315.51,"sentiment":"neutral","sentiment_score":0.05641304701566696}],"sentiment":"neutral","sentiment_score":-0.018324232000983164,"num_words":89,"start":269.91498,"end":315.51},{"sentences":[{"text":"Yeah.","start":322.145,"end":322.385,"sentiment":"neutral","sentiment_score":0.034673064947128296},{"text":"So if the the premium's 7,000, they will rebate 15% back and only take out the 6,000 for the premium.","start":322.385,"end":330.165,"sentiment":"neutral","sentiment_score":0.023002945445477964},{"text":"That's the main thing that I wanted to kind of deal with today.","start":333.345,"end":336.245,"sentiment":"neutral","sentiment_score":0.13624293357133865},{"text":"The portfolio side of things was actually pretty fun.","start":337.24,"end":339.56,"sentiment":"positive","sentiment_score":0.5721773902575175},{"text":"So I'll just go through, and you should see the next two pages just has your balanced risk profile there.","start":339.56,"end":345.41998,"sentiment":"neutral","sentiment_score":0.21838552504777908}],"sentiment":"neutral","sentiment_score":0.18703487497710047,"num_words":63,"start":322.145,"end":345.41998},{"sentences":[{"text":"The page after the pie chart, you'll see strategy recommendations for the super to begin with.","start":350.75998,"end":356.885,"sentiment":"neutral","sentiment_score":0.1512175863608718},{"text":"So what we're doing here just briefly is updating a few investments within the portfolio.","start":358.545,"end":364.08502,"sentiment":"neutral","sentiment_score":0.21679470241069793},{"text":"We managed to get the fees down.","start":364.30502,"end":366.24503,"sentiment":"positive","sentiment_score":0.35069945454597473},{"text":"There's a little bit of capital gains tax to pay to switch it around, which we factored in, and just really boost up those returns for all periods, one, three, five, and ten years, which you should see.","start":366.36,"end":377.71997,"sentiment":"neutral","sentiment_score":0.2774159041674514},{"text":"There's another couple of pages of text here.","start":377.71997,"end":379.71997,"sentiment":"neutral","sentiment_score":-0.01923566759796813}],"sentiment":"neutral","sentiment_score":0.22040734663494818,"num_words":84,"start":350.75998,"end":379.71997},{"sentences":[{"text":"I do apologize.","start":379.71997,"end":380.46,"sentiment":"neutral","sentiment_score":-0.1002805195748806},{"text":"Just talking about the advantages and disadvantages on the next page.","start":381.365,"end":385.865,"sentiment":"neutral","sentiment_score":-0.0556702735749158},{"text":"We've got in terms of disadvantages, we always have the brokerage fees for purchasing ETFs with our portfolios, and there's about 400 and $17 of capital gains tax that the super will pay for switching investments.","start":388.645,"end":402.76,"sentiment":"neutral","sentiment_score":-0.12405916965670055},{"text":"But we've managed to get the fees down about $3.55 a year just in the first year alone.","start":403.06,"end":408.36002,"sentiment":"neutral","sentiment_score":0.31343621926175225},{"text":"If you go down yeah.","start":408.675,"end":411.555,"sentiment":"neutral","sentiment_score":-0.08108174912631512}],"sentiment":"neutral","sentiment_score":-0.001957554446711932,"num_words":73,"start":379.71997,"end":411.555},{"sentences":[{"text":"So if you go in two more pages, you should see a table with some colored numbers on it with essentially the the difference comparison for you.","start":411.555,"end":419.655,"sentiment":"neutral","sentiment_score":0.04831214249134064},{"text":"You should see yeah.","start":423.235,"end":426.4,"sentiment":"neutral","sentiment_score":-0.0035115298815071583},{"text":"So, basically, $4.18 comes out for the capital gains tax when we switch the investments.","start":426.46,"end":431.44,"sentiment":"neutral","sentiment_score":0.13975429485241572},{"text":"You save $3.55 on the investment fees, which is about 40% drop.","start":431.66,"end":436.4,"sentiment":"neutral","sentiment_score":0.2828258623679479},{"text":"The contribution yes.","start":437.74,"end":440.255,"sentiment":"neutral","sentiment_score":0.14541167269150415}],"sentiment":"neutral","sentiment_score":0.11830887732813593,"num_words":61,"start":411.555,"end":440.255},{"sentences":[{"text":"Especially because they're percentage based.","start":441.195,"end":442.95502,"sentiment":"neutral","sentiment_score":0.19711706340312957},{"text":"So the bigger your balance grows, the more fee savings there are.","start":442.95502,"end":446.575,"sentiment":"neutral","sentiment_score":0.30339742824435234},{"text":"There's also the inclusion of the salary sacrifice, and I'm possibly able to drop the insurance premiums by at least $1,600, and I've factored that in as well.","start":448.23502,"end":460.69,"sentiment":"neutral","sentiment_score":0.1470514844570841},{"text":"Yep.","start":467.15,"end":467.65,"sentiment":"neutral","sentiment_score":0.117538683116436},{"text":"The five year rolling average will get your returns back up to around about that 9% mark above benchmark.","start":468.705,"end":473.925,"sentiment":"neutral","sentiment_score":0.3178722827058089}],"sentiment":"neutral","sentiment_score":0.2292447396195852,"num_words":65,"start":441.195,"end":473.925},{"sentences":[{"text":"And combined, all of this in the table below it, we should be able to boost things up by about a 100,000 over the next next ten years.","start":474.065,"end":489.37,"sentiment":"neutral","sentiment_score":0.30663945958284394},{"text":"Correct.","start":489.37,"end":489.87,"sentiment":"neutral","sentiment_score":0.194536954164505},{"text":"This is all of the strategies mixed together, which is change the investments, lower the fees, lower the premiums, and put in the $60 a week.","start":489.93002,"end":497.985,"sentiment":"neutral","sentiment_score":0.19070831628946158},{"text":"All of that combined goes into that projection table.","start":498.145,"end":501.125,"sentiment":"neutral","sentiment_score":0.10046931521760093},{"text":"So if we did none of these strategies or changes and we continue to pay the 6,000 and we kept the Benelon investments and we didn't put any extra in, you would probably hit around the $3.30 mark in ten years.","start":506.54498,"end":518.25,"sentiment":"neutral","sentiment_score":0.0794904503698756}],"sentiment":"neutral","sentiment_score":0.17049705093460424,"num_words":105,"start":474.065,"end":518.25},{"sentences":[{"text":"And if we do all of these strategies, we should be able to push you above 400 Correct.","start":518.39,"end":532.495,"sentiment":"positive","sentiment_score":0.4502101336709327},{"text":"They keep going up.","start":536.88,"end":537.84,"sentiment":"neutral","sentiment_score":-0.03361803386360407},{"text":"So with h, every every year, they will increase the premiums.","start":537.84,"end":542.42004,"sentiment":"neutral","sentiment_score":0.09402685409242456},{"text":"So I have to keep a lid on those pretty pretty heavily.","start":542.64,"end":545.7,"sentiment":"neutral","sentiment_score":0.032339474807182945},{"text":"If you go past there, there'll be just a very small page of investment returns and then the investments table after that, which is quite a few figures.","start":548.56,"end":557.665,"sentiment":"neutral","sentiment_score":0.022751729602792432}],"sentiment":"neutral","sentiment_score":0.13737983276990995,"num_words":73,"start":518.39,"end":557.665},{"sentences":[{"text":"I do apologize.","start":557.665,"end":558.485,"sentiment":"neutral","sentiment_score":-0.06766391048828761},{"text":"Okay.","start":568.18,"end":568.68,"sentiment":"neutral","sentiment_score":0.01462974026799202},{"text":"You should see after that projection table, there'll be investment returns on the next page.","start":569.22003,"end":574.34,"sentiment":"neutral","sentiment_score":0.028383370364705722},{"text":"It's a very small page with just one small table on it.","start":574.34,"end":577.155,"sentiment":"neutral","sentiment_score":-0.060750791958222784},{"text":"Yep.","start":581.23505,"end":581.55505,"sentiment":"neutral","sentiment_score":0.044039301574230194}],"sentiment":"neutral","sentiment_score":-0.013986926176585257,"num_words":32,"start":557.665,"end":581.55505},{"sentences":[{"text":"I can still hear you loud and clear.","start":581.55505,"end":583.17505,"sentiment":"neutral","sentiment_score":0.03930700058117509},{"text":"On page sixteen and seventeen, we've got, like, an investment returns table and the investments table.","start":587.315,"end":600.0,"sentiment":"neutral","sentiment_score":0.03564479202032089},{"text":"Not too much to be said for the investments table, really just bumping things up across all periods.","start":600.54,"end":605.01996,"sentiment":"neutral","sentiment_score":0.11079829062024753},{"text":"That extra sort of 22% per annum will really get things on track.","start":605.01996,"end":609.485,"sentiment":"positive","sentiment_score":0.3586139495556171},{"text":"The investments table, can you see that one there on the next page with the red heading?","start":610.90497,"end":615.08496,"sentiment":"neutral","sentiment_score":0.04535733776934007}],"sentiment":"neutral","sentiment_score":0.11544719436723325,"num_words":72,"start":581.55505,"end":615.08496},{"sentences":[{"text":"Big blue table has got quite a few figures in it.","start":615.305,"end":618.045,"sentiment":"neutral","sentiment_score":0.0851761360060085},{"text":"Yeah.","start":624.27997,"end":624.76,"sentiment":"neutral","sentiment_score":0.05731767788529396},{"text":"So the main thing to kind of point out here is that we are going to remove that Benelong investment option that wasn't performing too well.","start":624.76,"end":632.025,"sentiment":"neutral","sentiment_score":-0.19834704166994646},{"text":"I am recommending to update a few extra ones as well.","start":632.505,"end":635.48505,"sentiment":"neutral","sentiment_score":0.03056760945103385},{"text":"Yep.","start":638.905,"end":639.30505,"sentiment":"neutral","sentiment_score":0.08061017096042633}],"sentiment":"neutral","sentiment_score":-0.07491828069090843,"num_words":50,"start":615.305,"end":639.30505},{"sentences":[{"text":"So rather than just switching the one out, I wanna update a couple of them.","start":639.30505,"end":643.16504,"sentiment":"neutral","sentiment_score":0.012552092721064886},{"text":"And at the bottom of that table, you'll see kind of a few of the options options that we're adding in as some lower fee replacement options with a bit better performance as well.","start":643.30505,"end":653.74005,"sentiment":"neutral","sentiment_score":0.14650148438180194},{"text":"So just as an example, the BetaShares Australia 200 at the bottom of that table, that is a low fee replacement of Benelon.","start":653.74005,"end":663.405,"sentiment":"positive","sentiment_score":0.35655090083246643},{"text":"It chops the fees down about 80%, and it's performed much better over every time period.","start":664.34503,"end":669.16504,"sentiment":"positive","sentiment_score":0.6321533843874931},{"text":"Couple of little fun things we've mixed in is just a bit of cybersecurity just with everything that's going on with the AI and everything like that.","start":672.265,"end":679.79,"sentiment":"neutral","sentiment_score":0.3200579892705988}],"sentiment":"neutral","sentiment_score":0.2793567168647828,"num_words":115,"start":639.30505,"end":679.79},{"sentences":[{"text":"Those shares are doing pretty well.","start":679.79,"end":681.57,"sentiment":"positive","sentiment_score":0.594532310962677},{"text":"No.","start":684.99,"end":685.14996,"sentiment":"neutral","sentiment_score":-0.02053091302514076},{"text":"We're mixing those in as an additional component.","start":685.14996,"end":688.365,"sentiment":"neutral","sentiment_score":0.029861019225791097},{"text":"Oh, no.","start":708.62,"end":709.02,"sentiment":"neutral","sentiment_score":-0.030157266184687614},{"text":"Did you flick down to the the signature, did you?","start":709.02,"end":711.76,"sentiment":"neutral","sentiment_score":-0.026098906993865967}],"sentiment":"neutral","sentiment_score":0.1283054631203413,"num_words":27,"start":679.79,"end":711.76},{"sentences":[{"text":"Bit hard on the phone, I imagine.","start":717.945,"end":719.645,"sentiment":"neutral","sentiment_score":-0.22656127597604478},{"text":"Cool.","start":735.24,"end":735.74,"sentiment":"neutral","sentiment_score":0.17086118459701538},{"text":"Yep.","start":745.975,"end":746.475,"sentiment":"neutral","sentiment_score":0.01333517488092184},{"text":"It's a mixture of both.","start":748.695,"end":749.975,"sentiment":"neutral","sentiment_score":-0.04398440569639206},{"text":"So the easiest way to read this table is the very last column and second last column.","start":749.975,"end":755.33,"sentiment":"neutral","sentiment_score":0.04957895967013696}],"sentiment":"neutral","sentiment_score":-0.025122976982064785,"num_words":31,"start":717.945,"end":755.33},{"sentences":[{"text":"It shows you what we're recommending.","start":755.33,"end":757.11,"sentiment":"neutral","sentiment_score":0.1363736018538475},{"text":"And so anything that does have a number in it, like the one at the top that says five percent eleven thousand, that is what we're recommending to keep.","start":757.49,"end":766.55,"sentiment":"neutral","sentiment_score":0.12216135011664753},{"text":"The ones below it that is zero, that's the ones we're recommending to sell.","start":766.77,"end":770.625,"sentiment":"neutral","sentiment_score":0.0525614574019398},{"text":"And then the ones at the very bottom, the new inclusions.","start":770.92505,"end":774.385,"sentiment":"neutral","sentiment_score":0.08536238426511938},{"text":"Cool.","start":784.84503,"end":785.22,"sentiment":"positive","sentiment_score":0.4302806556224823}],"sentiment":"neutral","sentiment_score":0.10600078771593141,"num_words":61,"start":755.33,"end":785.22},{"sentences":[{"text":"That pretty much concludes the superannuation side of things besides the asset allocation table on page 19, which just show that we keep within that kind of 65% growth asset.","start":786.42,"end":799.875,"sentiment":"neutral","sentiment_score":0.23924477770924568},{"text":"It's a very colored pie chart.","start":799.875,"end":801.575,"sentiment":"neutral","sentiment_score":0.21611174692710242},{"text":"Once you get to that colored pie chart, just wondering if you have any questions on on anything I've mentioned so far.","start":803.075,"end":808.135,"sentiment":"neutral","sentiment_score":0.021965808721936562},{"text":"Correct.","start":817.89,"end":818.39,"sentiment":"neutral","sentiment_score":-0.05129026249051094},{"text":"We believe so.","start":829.025,"end":830.305,"sentiment":"neutral","sentiment_score":0.234216978152593}],"sentiment":"neutral","sentiment_score":0.154977778656288,"num_words":62,"start":786.42,"end":830.305},{"sentences":[{"text":"We do have much better track records for these over the last few years, and we believe going forward, they should perform much better as well.","start":830.305,"end":848.31,"sentiment":"neutral","sentiment_score":0.26987025944086224},{"text":"Oh, yeah.","start":852.425,"end":853.06494,"sentiment":"neutral","sentiment_score":-0.0222364766523242},{"text":"So let's say, worst case scenario is we have another, like, global financial crisis.","start":853.06494,"end":860.20496,"sentiment":"neutral","sentiment_score":-0.18454585443916066},{"text":"There is a scenario where all of the ones that we count as a growth asset, which is, you know, shares, property, and gold.","start":861.785,"end":869.55,"sentiment":"neutral","sentiment_score":-0.0142790872293214},{"text":"Actually, if you could just go down to page 19 for me and you can see that colored pie chart, can you see the different, like, pie segments?","start":869.55,"end":877.49,"sentiment":"neutral","sentiment_score":0.00901461748539337}],"sentiment":"neutral","sentiment_score":0.045725776873370434,"num_words":94,"start":830.305,"end":877.49},{"sentences":[{"text":"So if we look at the right half of that portfolio, you've got the light blue and the orange.","start":879.14996,"end":883.33496,"sentiment":"neutral","sentiment_score":-0.006518611424038873},{"text":"That's your Australian international shares.","start":883.33496,"end":885.51495,"sentiment":"neutral","sentiment_score":-0.0123103364079725},{"text":"If the entire world went down, that half is what would be affected there.","start":885.81494,"end":891.27496,"sentiment":"neutral","sentiment_score":-0.18077524432114192},{"text":"The gray portion is like gold, and then cash is your yellow, and then blue is like your term deposits and bonds and things like that.","start":892.535,"end":901.44,"sentiment":"neutral","sentiment_score":-0.06603849149094178},{"text":"So there is a scenario where, say, two thirds of your portfolio starts to go down, and then you would have that negative year where you may be down 15% if the world exploded.","start":901.74,"end":912.975,"sentiment":"neutral","sentiment_score":-0.20800263281254208}],"sentiment":"neutral","sentiment_score":-0.1174015205508521,"num_words":98,"start":879.14996,"end":912.975},{"sentences":[{"text":"That is something that happens possibly once every decade or so that we do factor in.","start":913.59503,"end":918.895,"sentiment":"neutral","sentiment_score":-0.1401020847260952},{"text":"Yeah.","start":932.33,"end":932.57,"sentiment":"neutral","sentiment_score":-0.0743899792432785},{"text":"Yeah.","start":932.57,"end":932.97003,"sentiment":"neutral","sentiment_score":-0.0972374677658081},{"text":"So the only way that that half goes down to zero is if every single company in Australia and The US disappeared off the face of the planet forever and they all went to zero and the government didn't help Microsoft or Commonwealth Bank or anyone, that's pretty much like Mad Max nuclear bombs going off at that point if all the companies just disappeared off the face of the planet.","start":932.97003,"end":956.67,"sentiment":"neutral","sentiment_score":-0.27727965160574713},{"text":"I can't protect you from that.","start":959.85004,"end":961.63,"sentiment":"neutral","sentiment_score":-0.2358255237340927}],"sentiment":"neutral","sentiment_score":-0.2475270443056759,"num_words":95,"start":913.59503,"end":961.63},{"sentences":[{"text":"You're okay?","start":964.33,"end":964.81,"sentiment":"neutral","sentiment_score":-0.06780156120657921},{"text":"Go for it.","start":964.81,"end":965.71,"sentiment":"neutral","sentiment_score":-0.04587605968117714},{"text":"Right.","start":976.395,"end":976.79504,"sentiment":"neutral","sentiment_score":0.035224009305238724},{"text":"So I will just quickly log in to your account.","start":976.79504,"end":980.555,"sentiment":"neutral","sentiment_score":0.07210221588611603},{"text":"Actually, I'll just go off the figures that are in the document.","start":980.555,"end":982.955,"sentiment":"neutral","sentiment_score":0.0747387216736873}],"sentiment":"neutral","sentiment_score":0.04928141167121274,"num_words":28,"start":964.33,"end":982.955},{"sentences":[{"text":"That will be a little bit easier.","start":982.955,"end":984.815,"sentiment":"neutral","sentiment_score":0.1458110245210784},{"text":"So if I go to the balance that we base this on, let's say you're sitting at 240 thousand in your super, and we had that other financial crisis, it could be sitting at 180,000 or something like that.","start":985.35,"end":1004.015,"sentiment":"neutral","sentiment_score":-0.0576055511020315},{"text":"That would then be a period of kind of letting it grow back up again.","start":1004.015,"end":1008.755,"sentiment":"neutral","sentiment_score":-0.13173772593339284},{"text":"Like, for example, let's say you have 10 properties and all of those properties went down a $100,000 each, you would kind of not rush off to sell them.","start":1008.97504,"end":1017.73,"sentiment":"neutral","sentiment_score":-0.08062311788571291},{"text":"You would just give it a few years for those properties to get back up, and we would use your contributions to buy a few more.","start":1017.73,"end":1023.99,"sentiment":"neutral","sentiment_score":0.07198875655348484}],"sentiment":"neutral","sentiment_score":-0.03162386171230725,"num_words":116,"start":982.955,"end":1023.99},{"sentences":[{"text":"Then it should all grow over three to five years, and you'll be back up to, you know, 300,000 or above.","start":1024.37,"end":1032.265,"sentiment":"neutral","sentiment_score":0.14029817779858908},{"text":"As you get closer to retirement, no.","start":1033.685,"end":1037.045,"sentiment":"neutral","sentiment_score":-0.21448857656547002},{"text":"They are not stupid at all.","start":1037.045,"end":1038.3251,"sentiment":"neutral","sentiment_score":-0.23240073770284653},{"text":"Risk is a very important thing because as you get closer to retirement, like, this is your money that you're gonna be living off, and it's all fun and games when you're 30 years old with $50 in super.","start":1038.3251,"end":1048.64,"sentiment":"neutral","sentiment_score":-0.10443171615210864},{"text":"When you've got hundreds of thousands in play and watching it go up and down to 50,000, it's not as comfortable.","start":1048.9401,"end":1055.1201,"sentiment":"neutral","sentiment_score":-0.27515554924805957}],"sentiment":"neutral","sentiment_score":-0.10426240630368604,"num_words":94,"start":1024.37,"end":1055.1201},{"sentences":[{"text":"Just bear in mind that we do expect there to be that one or two years of the world blowing up over that decade, which we'll still aim for those goals even with that mixed in.","start":1057.055,"end":1068.355,"sentiment":"neutral","sentiment_score":-0.21521254028711054},{"text":"The second thing that we do is in those last five to seven years, we're gonna slowly reduce your risk level down so that instead of having 50 percent in the share market, you'll go to forty and thirty and twenty and then retire with something nice and safe.","start":1070.01,"end":1082.865,"sentiment":"neutral","sentiment_score":0.11653829639663502},{"text":"Correct.","start":1094.465,"end":1094.965,"sentiment":"neutral","sentiment_score":0.14123225212097168},{"text":"So, yeah, when we do a review, you would pretty much say, hey.","start":1097.24,"end":1101.32,"sentiment":"neutral","sentiment_score":0.11749713409405488},{"text":"Look.","start":1101.32,"end":1101.56,"sentiment":"neutral","sentiment_score":0.06467226892709732}],"sentiment":"neutral","sentiment_score":-0.003039076626300812,"num_words":100,"start":1057.055,"end":1101.56},{"sentences":[{"text":"If the balanced risk profile is 60% growth assets, we may bump you down to a moderate the next year with only 50%.","start":1101.56,"end":1109.34,"sentiment":"neutral","sentiment_score":0.06770019913497179},{"text":"And then when you retire, we could put you in typically, for pension phase, you have about 40% in growth assets still just to make sure you're topping up what you're pouring out.","start":1109.505,"end":1119.125,"sentiment":"neutral","sentiment_score":0.0733682242306796},{"text":"Yeah.","start":1120.785,"end":1121.025,"sentiment":"neutral","sentiment_score":0.0776716023683548},{"text":"Yeah.","start":1121.025,"end":1121.265,"sentiment":"neutral","sentiment_score":0.07869786024093628},{"text":"We can I mean, I've got some clients in retirement who are aggressive, But, yeah, still invested, but just conservatively in something that's more like maybe a third of it is in the market, and the rest of it is in, like, term deposits and safer items?","start":1121.265,"end":1134.89,"sentiment":"neutral","sentiment_score":0.05233462353019004}],"sentiment":"neutral","sentiment_score":0.06280335950709524,"num_words":105,"start":1101.56,"end":1134.89},{"sentences":[{"text":"Does that make sense?","start":1136.55,"end":1137.53,"sentiment":"neutral","sentiment_score":0.0883745551109314},{"text":"Yeah.","start":1138.7101,"end":1139.1901,"sentiment":"positive","sentiment_score":0.4143298864364624},{"text":"Fantastic.","start":1139.1901,"end":1139.6901,"sentiment":"positive","sentiment_score":0.6380239129066467},{"text":"Moving on to the next strategy, you'll just see to be honest, this is just a bit of information on contributions.","start":1141.7549,"end":1150.335,"sentiment":"neutral","sentiment_score":0.0344353663247256},{"text":"It'll move into salary sacrifice.","start":1151.355,"end":1153.695,"sentiment":"neutral","sentiment_score":0.00844343937933445}],"sentiment":"neutral","sentiment_score":0.06785037217196077,"num_words":32,"start":1136.55,"end":1153.695},{"sentences":[{"text":"What that should do is your take home pay, which essentially, if we minus them off of each other, if you put $60 a week into your super through work, it'll probably $45 a week in your take home pay.","start":1154.0299,"end":1170.4249,"sentiment":"neutral","sentiment_score":0.054286834830418226},{"text":"So what I'll do, I'll give you a little bit of an exact.","start":1172.1649,"end":1174.825,"sentiment":"neutral","sentiment_score":0.02805789144566426},{"text":"If yeah.","start":1177.365,"end":1178.725,"sentiment":"neutral","sentiment_score":0.01590460492298007},{"text":"So if you put 60 in, you should lose about $41 in your pay.","start":1178.725,"end":1183.04,"sentiment":"negative","sentiment_score":-0.34068688324519564},{"text":"So just for budgeting purposes.","start":1185.5,"end":1187.28,"sentiment":"neutral","sentiment_score":-0.004035898298025131}],"sentiment":"neutral","sentiment_score":-0.030023792771169462,"num_words":74,"start":1154.0299,"end":1187.28},{"sentences":[{"text":"Correct.","start":1195.02,"end":1195.425,"sentiment":"neutral","sentiment_score":0.09588712453842164},{"text":"And that that difference goes into the super where it still is taxed at 15%, but there is that nice tax difference for you, and that'll boost things up quite nicely.","start":1195.665,"end":1204.405,"sentiment":"neutral","sentiment_score":0.28862091033689435},{"text":"Yeah.","start":1208.7051,"end":1209.2051,"sentiment":"neutral","sentiment_score":0.16872671246528623},{"text":"Now the one really, really important thing I have to run by you, if there's no questions on the contributions, which obviously just do that through work, we can send you a letter with the information if that helps your payroll, if they're not too comfortable adding that in.","start":1211.4701,"end":1226.955,"sentiment":"neutral","sentiment_score":0.14393298852504516},{"text":"But I was just wanting to talk to you about the insurances as well.","start":1227.195,"end":1229.9349,"sentiment":"neutral","sentiment_score":0.07885875659329551}],"sentiment":"neutral","sentiment_score":0.1809229279945915,"num_words":96,"start":1195.02,"end":1229.9349},{"sentences":[{"text":"So can you go down to page 23 for me?","start":1231.595,"end":1234.4149,"sentiment":"neutral","sentiment_score":0.012234395090490579},{"text":"You should see some blue tables about insurance replacements.","start":1234.475,"end":1238.095,"sentiment":"neutral","sentiment_score":0.01745413543863429},{"text":"So I did find we we had to call around regarding the health side of things.","start":1239.89,"end":1244.7899,"sentiment":"neutral","sentiment_score":-0.011063239071518183},{"text":"Cleave, you said that it's possible to remove the loading, which is increasing your price by 50%.","start":1246.13,"end":1252.3099,"sentiment":"neutral","sentiment_score":-0.15070088536423795},{"text":"If you were to have, like, a biopsy done, which was quite extreme in terms of steps that you would have to take.","start":1253.015,"end":1260.875,"sentiment":"neutral","sentiment_score":-0.16907058267489725}],"sentiment":"neutral","sentiment_score":-0.08464158810675144,"num_words":75,"start":1231.595,"end":1260.875},{"sentences":[{"text":"Now I found a provider called AIA, which is also one of the top six.","start":1261.335,"end":1266.7949,"sentiment":"neutral","sentiment_score":0.0228310144195954},{"text":"They were offering it for that kind of 4,500 price, and they said that they wouldn't apply a loading if there was I'll I'll read it out exactly.","start":1268.46,"end":1280.24,"sentiment":"neutral","sentiment_score":0.007173224751438413},{"text":"Because I remember you saying the health had improved and everything, and that was looking a lot better.","start":1281.1,"end":1286.5349,"sentiment":"neutral","sentiment_score":0.1666596813334359},{"text":"So what they would basically do through the application is they would send off for a doctor's report just to see the most recent liver function test and doctor's report combined.","start":1286.755,"end":1298.5499,"sentiment":"neutral","sentiment_score":0.09731010551894864},{"text":"And if those are looking pretty stable and pretty good, they would offer it without that 50% loading of price.","start":1298.69,"end":1304.5499,"sentiment":"neutral","sentiment_score":0.09237344339489936}],"sentiment":"neutral","sentiment_score":0.07506492778858435,"num_words":112,"start":1261.335,"end":1304.5499},{"sentences":[{"text":"So what I'm wondering is either yep.","start":1307.89,"end":1315.835,"sentiment":"neutral","sentiment_score":0.005905706526911152},{"text":"Okay.","start":1317.335,"end":1317.835,"sentiment":"neutral","sentiment_score":0.011529026553034782},{"text":"Well, basically, if you're comfortable, what I would like to do is either way, though, either insurer is gonna have to request a doctor's report.","start":1319.1749,"end":1327.02,"sentiment":"neutral","sentiment_score":-0.002943877913057804},{"text":"So what I would do is I would like to replace ClearView with AIA, and I would book you in for an insurance application for October.","start":1327.08,"end":1336.3,"sentiment":"neutral","sentiment_score":0.0659265464458328},{"text":"If we send through that application, they will send a request to the doctor.","start":1337.395,"end":1341.495,"sentiment":"neutral","sentiment_score":0.08747333607503346}],"sentiment":"neutral","sentiment_score":0.03997245119256286,"num_words":73,"start":1307.89,"end":1341.495},{"sentences":[{"text":"And then when you see them in November, you just have to follow them up and say, hey.","start":1341.715,"end":1344.995,"sentiment":"neutral","sentiment_score":0.0735241352683968},{"text":"Have you sent that report through for the insurance company?","start":1344.995,"end":1349.335,"sentiment":"neutral","sentiment_score":0.05656017493456602},{"text":"And that will speed things up.","start":1349.88,"end":1351.66,"sentiment":"neutral","sentiment_score":0.13475520039598146},{"text":"K.","start":1353.64,"end":1353.88,"sentiment":"neutral","sentiment_score":0.07814987748861313},{"text":"So if you're comfortable with this, what I would do is book you in when you're available in October just to go through that kind of twenty minute discussion to put in an application to AIA.","start":1353.88,"end":1364.255,"sentiment":"neutral","sentiment_score":0.10297397586206596}],"sentiment":"neutral","sentiment_score":0.09130676612782647,"num_words":71,"start":1341.715,"end":1364.255},{"sentences":[{"text":"And then once that comes through, hopefully, that doctor's report gets sorted in November.","start":1365.9149,"end":1370.4149,"sentiment":"neutral","sentiment_score":0.08382320962846279},{"text":"They should let us know if it comes through okay.","start":1370.7949,"end":1373.2949,"sentiment":"neutral","sentiment_score":0.051538148894906044},{"text":"If they give us the good terms and the good price, then we're okay to cancel the Clearview policy, and you should be pretty cool.","start":1373.595,"end":1381.2201,"sentiment":"neutral","sentiment_score":0.005662029236555099},{"text":"If there's any issues yeah.","start":1381.4401,"end":1383.04,"sentiment":"neutral","sentiment_score":-0.02726693209260702},{"text":"We keep we always keep it until the new one's in place.","start":1383.04,"end":1385.62,"sentiment":"neutral","sentiment_score":-0.013393910601735115}],"sentiment":"neutral","sentiment_score":0.023233266166326674,"num_words":66,"start":1365.9149,"end":1385.62},{"sentences":[{"text":"And if there's an issue that comes back from AIA, I'll jump on the phone to you and talk you through the options on what we do.","start":1385.8401,"end":1393.365,"sentiment":"neutral","sentiment_score":0.009348929480270104},{"text":"Yeah.","start":1397.505,"end":1397.825,"sentiment":"neutral","sentiment_score":0.00018414482474327087},{"text":"So I was wondering if you did know what your availability was like because the month's about to switch in a couple of days.","start":1397.825,"end":1404.085,"sentiment":"neutral","sentiment_score":0.006544088750767211},{"text":"I can get you booked in now, or I can just get the team to give you a call later this week to to sort of looking out.","start":1404.9801,"end":1410.28,"sentiment":"neutral","sentiment_score":0.07973367561187063},{"text":"Yep.","start":1416.5801,"end":1416.945,"sentiment":"neutral","sentiment_score":0.1662987768650055}],"sentiment":"neutral","sentiment_score":0.034672902034664596,"num_words":81,"start":1385.8401,"end":1416.945},{"sentences":[{"text":"Yeah.","start":1422.705,"end":1422.945,"sentiment":"neutral","sentiment_score":0.07292399555444717},{"text":"Because we're about to switch to daylight savings next week, I believe.","start":1422.945,"end":1426.1649,"sentiment":"neutral","sentiment_score":0.08508098932603995},{"text":"New South Wales time?","start":1439.37,"end":1440.59,"sentiment":"neutral","sentiment_score":0.04608003422617912},{"text":"Yeah.","start":1442.1699,"end":1442.6699,"sentiment":"neutral","sentiment_score":0.22977331280708313},{"text":"So what I can do is I'll put in a bit of a booking spot for 4PM your time on those three Tuesdays, and then I'll just get Maddie to give you a call to run through the application.","start":1442.73,"end":1454.5249,"sentiment":"neutral","sentiment_score":0.234123516923342}],"sentiment":"neutral","sentiment_score":0.18664572766998358,"num_words":57,"start":1422.705,"end":1454.5249},{"sentences":[{"text":"And then hopefully, you catch each other.","start":1455.225,"end":1456.825,"sentiment":"neutral","sentiment_score":0.21760691489492143},{"text":"If not, she'll try again the following week.","start":1456.825,"end":1458.6649,"sentiment":"neutral","sentiment_score":0.0261890459805727},{"text":"How's sound?","start":1458.6649,"end":1463.1599,"sentiment":"neutral","sentiment_score":0.05535731092095375},{"text":"I we can do if that's easier for you, or I can just get them to try it.","start":1463.1599,"end":1466.76,"sentiment":"neutral","sentiment_score":-0.0033821271628969246},{"text":"But I would perfect.","start":1466.76,"end":1473.8999,"sentiment":"neutral","sentiment_score":0.17219611629843712}],"sentiment":"neutral","sentiment_score":0.06336875821057802,"num_words":39,"start":1455.225,"end":1473.8999},{"sentences":[{"text":"I mean, we can actually do next Tuesday if that works for you.","start":1479.965,"end":1483.265,"sentiment":"neutral","sentiment_score":0.1834254339337349},{"text":"Cool.","start":1493.58,"end":1494.08,"sentiment":"neutral","sentiment_score":0.032976578921079636},{"text":"No.","start":1494.7001,"end":1494.9401,"sentiment":"neutral","sentiment_score":-0.02712254598736763},{"text":"You're alright.","start":1494.9401,"end":1495.42,"sentiment":"neutral","sentiment_score":0.08136211521923542},{"text":"That's that's better to be safe than sorry.","start":1495.42,"end":1497.18,"sentiment":"neutral","sentiment_score":0.10269557870924473}],"sentiment":"neutral","sentiment_score":0.13498694136738776,"num_words":25,"start":1479.965,"end":1497.18},{"sentences":[{"text":"So I'll put one in for for next Tuesday.","start":1497.18,"end":1502.215,"sentiment":"neutral","sentiment_score":0.09482116334968144},{"text":"Yes.","start":1502.435,"end":1502.835,"sentiment":"neutral","sentiment_score":0.2171800583600998},{"text":"That should give us just enough time.","start":1502.835,"end":1504.695,"sentiment":"neutral","sentiment_score":0.26405611421380726},{"text":"I'll do 4PM New South Wales time for and we we call it a personal statement, which is where you do, like, the health and occupation questions.","start":1508.115,"end":1517.23,"sentiment":"neutral","sentiment_score":0.10839719297709288},{"text":"We will prefill it with everything that you used when we set up Clearview, but they'll still have to run by and see if there's been any health changes and some updated information.","start":1517.53,"end":1527.87,"sentiment":"neutral","sentiment_score":0.07306883867942926}],"sentiment":"neutral","sentiment_score":0.10723323655592931,"num_words":77,"start":1497.18,"end":1527.87},{"sentences":[{"text":"So if everything's pretty much a no besides that, it skips through quite quickly.","start":1528.01,"end":1533.645,"sentiment":"neutral","sentiment_score":-0.12074287076081548},{"text":"If there are a lot of yes, this condition, yes, that condition, there's always those extra questions about when did it happen, who did you see, what medications, all that kind of of thing.","start":1534.185,"end":1546.73,"sentiment":"neutral","sentiment_score":-0.010912999421741594},{"text":"Perfect.","start":1546.73,"end":1547.23,"sentiment":"positive","sentiment_score":0.41921019554138184},{"text":"Alright.","start":1547.69,"end":1548.09,"sentiment":"neutral","sentiment_score":0.06093665957450867},{"text":"So I'll put that in for 4PM New South Wales next Tuesday the sixth.","start":1548.09,"end":1554.885,"sentiment":"neutral","sentiment_score":0.029720465519598553}],"sentiment":"neutral","sentiment_score":-0.018206387478130637,"num_words":64,"start":1528.01,"end":1554.885},{"sentences":[{"text":"And what I'll do is I'll get a bit of a text message reminder a couple of hours prior as well.","start":1555.365,"end":1561.0651,"sentiment":"neutral","sentiment_score":0.050992044664564584},{"text":"Easy.","start":1564.165,"end":1564.665,"sentiment":"positive","sentiment_score":0.5370375514030457},{"text":"Alright.","start":1565.205,"end":1565.685,"sentiment":"neutral","sentiment_score":0.28210610151290894},{"text":"So just to kind of cap things off, Lima, we've got just gonna send off that invitation to the team.","start":1565.685,"end":1574.34,"sentiment":"neutral","sentiment_score":0.15935594066977501},{"text":"So, basically, that's the advice that we're doing.","start":1574.5599,"end":1576.98,"sentiment":"neutral","sentiment_score":0.1040891045704484}],"sentiment":"neutral","sentiment_score":0.11587859295746859,"num_words":51,"start":1555.365,"end":1576.98},{"sentences":[{"text":"Update the portfolio, add the contributions, sort out the insurances.","start":1577.2799,"end":1581.2999,"sentiment":"neutral","sentiment_score":0.08859859257936478},{"text":"There is a little bit towards the bottom of the document where we talk about if we are putting in place AIA, we'll do a beneficiary nomination for that new life insurance policy, which I believe you had split between your spouse and two children, $5,025.25.","start":1582.335,"end":1600.72,"sentiment":"neutral","sentiment_score":0.0637828842939242},{"text":"Cool.","start":1605.1,"end":1605.5,"sentiment":"neutral","sentiment_score":0.28091248869895935},{"text":"So we'll make sure that reflects on hub and the new policy once it's in force.","start":1605.5,"end":1610.595,"sentiment":"neutral","sentiment_score":0.12534944992512465},{"text":"There's a few reminders about wills and powers of attorney.","start":1611.155,"end":1614.215,"sentiment":"neutral","sentiment_score":0.04951030034571886}],"sentiment":"neutral","sentiment_score":0.07953741318400366,"num_words":83,"start":1577.2799,"end":1614.215},{"sentences":[{"text":"Please bear in mind as well that anytime we we establish an insurance policy through any of these providers, be it Clearview, AIA, TAL, whoever, we do get paid 66% of the first year's premium from them to us for the establishment and then 22% ongoing to manage it, alter the policies, and help with claims assistance and claims advice.","start":1614.595,"end":1637.9299,"sentiment":"neutral","sentiment_score":0.04072007133315007},{"text":"Yes.","start":1639.905,"end":1640.405,"sentiment":"neutral","sentiment_score":0.03732898831367493},{"text":"Not on top and not paid personally.","start":1643.025,"end":1644.885,"sentiment":"neutral","sentiment_score":-0.0921751611999103},{"text":"It's always factored into the price already.","start":1644.945,"end":1647.125,"sentiment":"neutral","sentiment_score":-0.07452508807182312},{"text":"Yep.","start":1658.0,"end":1658.5,"sentiment":"neutral","sentiment_score":0.024528782814741135}],"sentiment":"neutral","sentiment_score":0.017607372450201136,"num_words":76,"start":1614.595,"end":1658.5},{"sentences":[{"text":"Oh, yes.","start":1667.935,"end":1668.495,"sentiment":"neutral","sentiment_score":0.03518487326800823},{"text":"That's right.","start":1668.495,"end":1668.975,"sentiment":"neutral","sentiment_score":0.053158486261963844},{"text":"So that's what the super might be with the current premiums versus the lower premiums versus no premiums at all to show you the impact that that has on the super.","start":1668.975,"end":1678.16,"sentiment":"neutral","sentiment_score":0.004970806680860058},{"text":"Oh, absolutely.","start":1685.34,"end":1686.08,"sentiment":"neutral","sentiment_score":0.10635749995708466},{"text":"This does factor in all the super recommendations, so this is just purely what are the premiums doing to the balance.","start":1687.98,"end":1693.525,"sentiment":"neutral","sentiment_score":0.15896677793491454}],"sentiment":"neutral","sentiment_score":0.06692757004679277,"num_words":58,"start":1667.935,"end":1693.525},{"sentences":[{"text":"Cool.","start":1695.665,"end":1696.165,"sentiment":"positive","sentiment_score":0.6115921139717102},{"text":"And that's pretty much it.","start":1698.145,"end":1699.425,"sentiment":"positive","sentiment_score":0.518432879447937},{"text":"So from here, if you're comfortable with all of this, the bottom of this document, the second last page has the authority to proceed.","start":1699.425,"end":1707.205,"sentiment":"neutral","sentiment_score":0.24056077810625234},{"text":"We've got no.","start":1709.24,"end":1712.52,"sentiment":"neutral","sentiment_score":0.007495033244291936},{"text":"That's okay.","start":1712.52,"end":1713.34,"sentiment":"neutral","sentiment_score":0.13033805787563324}],"sentiment":"neutral","sentiment_score":0.2645821828927313,"num_words":35,"start":1695.665,"end":1713.34},{"sentences":[{"text":"Here's your yearly reminder from us.","start":1713.48,"end":1715.5,"sentiment":"neutral","sentiment_score":0.2572964330514272},{"text":"If you're comfortable with that, basically, there's a a begin button that'll either pull you down to sign or you can just scroll down to that second last page.","start":1719.48,"end":1726.905,"sentiment":"neutral","sentiment_score":0.053927359074868},{"text":"So there is the big box is just if you don't wanna go ahead with one of one of the recommendations, you can actually write in the difference that you would like to make.","start":1731.685,"end":1741.3,"sentiment":"neutral","sentiment_score":0.0520542290280847},{"text":"If you are comfortable with everything, you could just skip the big box and just put in the signature box, the small one, and the date box next to it.","start":1741.36,"end":1748.895,"sentiment":"neutral","sentiment_score":0.09572137693564096},{"text":"Once that one's done, there should be a button saying next document.","start":1766.63,"end":1770.65,"sentiment":"neutral","sentiment_score":0.08799712887654702}],"sentiment":"neutral","sentiment_score":0.07932542930650818,"num_words":111,"start":1713.48,"end":1770.65},{"sentences":[{"text":"That's okay.","start":1785.4451,"end":1786.085,"sentiment":"neutral","sentiment_score":0.11719996854662895},{"text":"I'll keep an eye on my end.","start":1786.085,"end":1787.705,"sentiment":"neutral","sentiment_score":0.08230050227471761},{"text":"Yeah.","start":1791.54,"end":1791.78,"sentiment":"neutral","sentiment_score":0.004852507263422012},{"text":"So once all the mandatory signatures are in on that page, there should be a button saying next document.","start":1791.78,"end":1797.0,"sentiment":"neutral","sentiment_score":0.013209196199712},{"text":"Yep.","start":1797.7001,"end":1798.2001,"sentiment":"neutral","sentiment_score":0.05547362565994263}],"sentiment":"neutral","sentiment_score":0.03739347712447246,"num_words":30,"start":1785.4451,"end":1798.2001},{"sentences":[{"text":"Yeah.","start":1798.5,"end":1799.0,"sentiment":"neutral","sentiment_score":0.11602438241243362},{"text":"And then that's basically the appendix with the extra research on there, and you should be able to just hit next document again.","start":1799.14,"end":1805.24,"sentiment":"neutral","sentiment_score":0.13081989761279977},{"text":"And you should then see the red AIA quote, which on yep.","start":1807.355,"end":1813.595,"sentiment":"neutral","sentiment_score":0.07826085450748603},{"text":"This is just a a quote for the recommendation.","start":1813.595,"end":1817.215,"sentiment":"neutral","sentiment_score":0.08605694315499729},{"text":"If you go to the second page, there's a signature and date spot on that one.","start":1818.235,"end":1823.09,"sentiment":"neutral","sentiment_score":0.06260393187403679}],"sentiment":"neutral","sentiment_score":0.09574078163895451,"num_words":61,"start":1798.5,"end":1823.09},{"sentences":[{"text":"Then, basically, there will be a next document, which would just be your certificate of currency for the current insurance.","start":1825.71,"end":1832.13,"sentiment":"neutral","sentiment_score":0.09268723912537098},{"text":"Yeah.","start":1845.175,"end":1845.675,"sentiment":"neutral","sentiment_score":0.04787638410925865},{"text":"Yep.","start":1846.375,"end":1846.6951,"sentiment":"neutral","sentiment_score":0.027119791135191917},{"text":"And then the last document when you hit next document should be that kind of pinky purple clear view just showing you what your current insurances are.","start":1846.6951,"end":1853.8401,"sentiment":"neutral","sentiment_score":0.08502289921873146},{"text":"And it should just end there with a validate button to send all of that through back to us.","start":1854.3,"end":1858.8,"sentiment":"neutral","sentiment_score":0.20039384145485728}],"sentiment":"neutral","sentiment_score":0.11811532682793982,"num_words":68,"start":1825.71,"end":1858.8},{"sentences":[{"text":"Correct.","start":1865.035,"end":1865.515,"sentiment":"neutral","sentiment_score":0.15870970487594604},{"text":"There's usually a button to download a copy, but they do email you a signed copy as well, of course.","start":1865.515,"end":1870.655,"sentiment":"neutral","sentiment_score":0.11384838074445724},{"text":"And because the intent's running a bit slow, when you hit validate, it'll probably spin that circle for a little while, but it has actually come through signed to me already.","start":1874.5,"end":1881.7999,"sentiment":"neutral","sentiment_score":0.04444085692446078},{"text":"Yep.","start":1885.2999,"end":1885.7999,"sentiment":"neutral","sentiment_score":0.17188021540641785},{"text":"Oh, if you can't download it, they'll email you a copy, and we can always send it to you as well.","start":1888.515,"end":1893.815,"sentiment":"neutral","sentiment_score":0.08557932380409468}],"sentiment":"neutral","sentiment_score":0.07814040405021326,"num_words":74,"start":1865.035,"end":1893.815},{"sentences":[{"text":"Awesome.","start":1896.275,"end":1896.755,"sentiment":"positive","sentiment_score":0.7852718234062195},{"text":"Thank you so much for that.","start":1896.755,"end":1897.715,"sentiment":"positive","sentiment_score":0.8535828689734141},{"text":"That's come through perfectly.","start":1897.715,"end":1898.9349,"sentiment":"positive","sentiment_score":0.8422698974609375},{"text":"Alright.","start":1903.53,"end":1903.9299,"sentiment":"positive","sentiment_score":0.345723956823349},{"text":"How are you going on the systems there?","start":1903.9299,"end":1905.2899,"sentiment":"neutral","sentiment_score":0.221647497266531}],"sentiment":"positive","sentiment_score":0.5697376281023026,"num_words":20,"start":1896.275,"end":1905.2899},{"sentences":[{"text":"Is it all kind of loaded and okay on your end?","start":1905.2899,"end":1907.63,"sentiment":"neutral","sentiment_score":0.2266963706775145},{"text":"Perfect.","start":1909.85,"end":1910.35,"sentiment":"positive","sentiment_score":0.5384191274642944},{"text":"Basically, from here, we'll go through that application with you next Tuesday at four o'clock your time.","start":1911.2899,"end":1916.505,"sentiment":"neutral","sentiment_score":0.1942428552052554},{"text":"And then like I said, when you go to the doctors, they'll probably have an outstanding email from the insurer saying, can you give us a report?","start":1916.505,"end":1922.205,"sentiment":"neutral","sentiment_score":0.08508666163241421},{"text":"If you can give them a little nudge, that'll speed things up a little bit.","start":1922.345,"end":1925.885,"sentiment":"neutral","sentiment_score":0.11370300228397051}],"sentiment":"neutral","sentiment_score":0.1455928541090287,"num_words":71,"start":1905.2899,"end":1925.885},{"sentences":[{"text":"We will include that in the application.","start":1929.4,"end":1931.66,"sentiment":"neutral","sentiment_score":0.1406614961368697},{"text":"So when they run through all the questions with you, you just gotta say which doctor or which clinic, and then they can send a they call it, like, a MediBridge request through a specific system.","start":1931.88,"end":1942.3,"sentiment":"neutral","sentiment_score":0.07754435090141164},{"text":"Awesome.","start":1942.84,"end":1943.34,"sentiment":"positive","sentiment_score":0.5393916368484497},{"text":"Alrighty.","start":1944.805,"end":1945.2051,"sentiment":"neutral","sentiment_score":0.2096586525440216},{"text":"Any questions for me?","start":1945.2051,"end":1946.8251,"sentiment":"neutral","sentiment_score":0.07386383507400751}],"sentiment":"neutral","sentiment_score":0.09838230071627364,"num_words":49,"start":1929.4,"end":1946.8251},{"sentences":[{"text":"Of course.","start":1948.6984,"end":1951.5718,"sentiment":"neutral","sentiment_score":0.05329056363552808},{"text":"Of course.","start":1953.4451,"end":1954.185,"sentiment":"neutral","sentiment_score":0.07230475172400475},{"text":"Of course.","start":1954.245,"end":1954.905,"sentiment":"neutral","sentiment_score":0.07551279291510582},{"text":"I do have a few bookings every now and then, but the team can answer most questions.","start":1954.965,"end":1958.405,"sentiment":"neutral","sentiment_score":0.09307225048542023},{"text":"And if not, they'll do it with me.","start":1958.405,"end":1960.22,"sentiment":"neutral","sentiment_score":0.10108786867931485}],"sentiment":"neutral","sentiment_score":0.09010152981406258,"num_words":31,"start":1948.6984,"end":1960.22},{"sentences":[{"text":"The only thing I will just mention is because this is part that I forget quite often, so I do apologize.","start":1963.48,"end":1969.98,"sentiment":"neutral","sentiment_score":-0.02200905295709769},{"text":"We do have your ID on file valid until 2028.","start":1970.84,"end":1974.465,"sentiment":"neutral","sentiment_score":0.035858504846692084},{"text":"So what we essentially do is any applications, we will certify that and send that off to the product provider.","start":1974.7849,"end":1980.725,"sentiment":"neutral","sentiment_score":0.06049569714814425},{"text":"Once we get to December 2028, we'll probably have to get a updated copy of the license.","start":1981.105,"end":1986.145,"sentiment":"neutral","sentiment_score":0.04192540750784032},{"text":"That's all.","start":1986.145,"end":1989.73,"sentiment":"neutral","sentiment_score":0.029164189472794533}],"sentiment":"neutral","sentiment_score":0.026819559798708984,"num_words":70,"start":1963.48,"end":1989.73},{"sentences":[{"text":"It's still valid for a couple of years, so we should be good for a while.","start":1990.11,"end":1993.33,"sentiment":"neutral","sentiment_score":0.09220244782045484},{"text":"No worries at all.","start":1996.91,"end":1998.13,"sentiment":"neutral","sentiment_score":0.0801897905766964},{"text":"Oh, me too.","start":2000.745,"end":2001.5449,"sentiment":"neutral","sentiment_score":-0.07158407320578893},{"text":"I'm I'm about due in, I think, February, and I'm dying to update it.","start":2001.5449,"end":2005.6449,"sentiment":"neutral","sentiment_score":-0.09932843569133963},{"text":"Yeah.","start":2014.61,"end":2014.85,"sentiment":"neutral","sentiment_score":-0.04230405390262604}],"sentiment":"neutral","sentiment_score":0.003903788269350403,"num_words":38,"start":1990.11,"end":2014.85},{"sentences":[{"text":"It's a while away.","start":2014.85,"end":2015.99,"sentiment":"neutral","sentiment_score":-0.14548521861433983},{"text":"Awesome, Helena.","start":2021.3301,"end":2022.13,"sentiment":"neutral","sentiment_score":0.2456880658864975},{"text":"Thank you so much for your time today.","start":2022.13,"end":2023.695,"sentiment":"positive","sentiment_score":0.36739614605903625},{"text":"Yeah.","start":2028.0149,"end":2028.255,"sentiment":"neutral","sentiment_score":0.016254626214504242},{"text":"I'm still here.","start":2028.255,"end":2028.815,"sentiment":"neutral","sentiment_score":0.004739778116345406}],"sentiment":"neutral","sentiment_score":0.15994879924174812,"num_words":18,"start":2014.85,"end":2028.815},{"sentences":[{"text":"Sorry.","start":2028.815,"end":2028.975,"sentiment":"neutral","sentiment_score":-0.03553496673703194},{"text":"Just cut out for a second there.","start":2028.975,"end":2030.5149,"sentiment":"neutral","sentiment_score":-0.04071191219346864},{"text":"Oh, beautiful.","start":2034.815,"end":2035.5349,"sentiment":"neutral","sentiment_score":0.26755082607269287},{"text":"We did the old switcheroo.","start":2035.5349,"end":2036.6749,"sentiment":"neutral","sentiment_score":0.06676787361502648},{"text":"Oh, perfect.","start":2052.885,"end":2053.6848,"sentiment":"positive","sentiment_score":0.37289923429489136}],"sentiment":"neutral","sentiment_score":0.07613065510111697,"num_words":17,"start":2028.815,"end":2053.6848},{"sentences":[{"text":"I do apologize.","start":2053.6848,"end":2054.565,"sentiment":"neutral","sentiment_score":0.09423135221004486},{"text":"We had a bit of a play up with the system for the messages.","start":2054.565,"end":2057.625,"sentiment":"neutral","sentiment_score":-0.03770583974463599},{"text":"Yeah.","start":2060.7249,"end":2061.2249,"sentiment":"positive","sentiment_score":0.38142964243888855},{"text":"Fantastic.","start":2061.365,"end":2061.865,"sentiment":"positive","sentiment_score":0.7845091819763184},{"text":"Thanks, Salima.","start":2065.1667,"end":2066.0469,"sentiment":"positive","sentiment_score":0.7099401354789734}],"sentiment":"neutral","sentiment_score":0.11145863788468498,"num_words":21,"start":2053.6848,"end":2066.0469},{"sentences":[{"text":"We'll talk to you on Tuesday.","start":2066.0469,"end":2067.2668,"sentiment":"neutral","sentiment_score":0.25520948072274524},{"text":"You too.","start":2069.1667,"end":2069.807,"sentiment":"neutral","sentiment_score":0.25243568420410156},{"text":"Bye.","start":2069.807,"end":2070.307,"sentiment":"neutral","sentiment_score":0.1579992026090622}],"sentiment":"neutral","sentiment_score":0.24379193948374855,"num_words":9,"start":2066.0469,"end":2070.307}]}}]},{"alternatives":[{"transcript":"Hello? Hi, Tommy. How are you? I'm good. Thank you. You're not the one that went on maternity leave, are you? Paternatively. Yes. How was it? Oh, that went fast. So it didn't go fast? Okay. Oh, okay. Yes. Of course. I would do. Oh, cute. Oh, wow. Three. Fantastic. Yes. You do. Yes. Sure. Yep. And just find the email. Oh, we sent it. Yep. Yep. Yep. 6 Of the first nineteen seventy two, Number 8 Yelverton Street, Sydney, New South Wales 2044. Yes. Okay. Yep. Yep. Got it. Yeah. Yeah. Just taking a sec. I think my Internet is closed. I'm not home. I just yeah. Yeah. It's no work. So yeah. I don't know. Perfect. My son's used all the data, so data just becomes slower until, I think, two more days. Yep. So yeah. Okay. I all I can see is Oakview in my name. Oh, hang on. I think something's happening now. Yep. Got it. Mhmm. Yep. Mhmm. Yep. Yep. Yes. I haven't done that yet. I still still gotta speak to the accountant about that. Yep. Okay. So what page is this? Sorry. Yep. Eight. Mhmm. Life on assets and liabilities. Yep. Okay. Yep. Yep. Yep. Yes. Yes. So what is that? Sorry. Please note this is the 15% rebate amount allowed from what's that for? Sorry. Please note this 15 percent rebate it. Yep. Okay. That comes out of super. And the 15% rebate of the 7,000 what was that? 7,157. Okay. I see. Yep. Yep. Yep. Okay. Yep. Yeah. Yep. Yeah. Question. Yep. Yep. Okay. Okay. Yep. Okay. I would but anyway. Yeah? Yeah. So the red is the red negative? Mhmm. So I'm still better off? Okay. Yep. Okay. Okay. That's the that's the one that's fixed now, and it's gonna be $4.04. Mhmm. So is that including my $60 a week? Mhmm. So this so where it says current and recommended, what does that mean? Yep. Okay. Yep. Okay. So if I do a 6 if I add the $60 a week and salary sacrifice and do and the premium gets dropped, Does the premium kind of in stay or does it keep going up? It keep going up? Yep. Okay. Okay. Okay. Yep. Hit start. Sorry. I've just had to turn my car. I'm sitting in the car. I'm just gonna turn the car on so I can charge my phone. So where are we now? Sorry? Are you there? So sorry. What page is that? Yes. Okay. Okay. Mhmm. Mhmm. Yeah. Is that the one with Red Riding Investments and then all the different investments? Yep. Yeah. I think we spoke yeah. Yeah. I think you just mentioned it the last time. Yeah. Okay. Okay. Okay. Okay. Yes. Oh, okay. I'm already associate. Oh, okay. So right now, three investments or the investor sorry. I'm assuming, you know, eyesight. No. It's just like because I'm trying to zoom in because it kind of it's it's gone small. I'm trying to get it back to the investment one. Just page what page is that? Oh, that's 30. Okay. Okay. Found it. So I keep going here. Yeah. So all those investment names that's on page seven on page 17, That's not what I have current. Okay. Okay. Yep. Mhmm. Yeah. No. But so you're removing some investment, and you're adding new ones because they're not performing. Sorry. Just in layman's terms. Yeah. Okay. And the other ones are not, like, they'll perform better. Okay. Like, worst case scenario if all of them get bumped up. I mean, is that even possible? I can definitely say. Sure. Yep. Yep. Yep. Yep. Yep. Yep. Yes. Yep. Okay. Yep. Yep. Yep. And so so just so basically so that Australian shares international shares would take away half, did you still have money? Yep. Okay. Yeah. Yeah. Yeah. Okay. So say the figure that I have in my sorry. You're there? Oh, so say like, if I went on to start going to my hub account and I see what my super balance is now, like, how would that affect that balance roughly? Yep. Okay. Yeah. Yeah. Yes. Of course. Yes. Yes. Yep. Yeah. Okay. Cool. Sorry. I know it's it's stupid questions, but I I just have to get my knees around. Yep. Exactly. Yes. No. Yes. Yep. Mhmm. Okay. That's what I was just gonna ask. Yep. Yes. Yes. I was gonna say that, like, if it if the if the customer chose, for example, say, actually, can I not can I only do 50% of what I'm doing? So in that way, kind of ensuring they still got 50%. And that can kind of be done anytime. Yep. Yep. Yes. Okay. Okay. You can ask anytime and you can still do that. Okay. The money's fully vested. Yeah. Of course. Low risk. Yeah. Yeah. Okay. Okay. Yes. Yep. Mhmm. Uh-huh. Yeah. Yeah. I remember you saying that. Yes. Yeah. Okay. Yeah. Because in the hand, I'm kinda still getting $20.41 dollars short as opposed to $60 short. Yep. Yeah. Yeah. Okay. So that was his table easier. Yep. Yes. Yes. Mhmm. Yep. Yes. Got it. Yeah. Yep. Okay. So do what do I do? I'm actually seeing I'm seeing I see so I used to see him six months, and now I see him annually, and I'm due to see him at the beginning of November. So what do I ask? Yeah. Yeah. Okay. Okay. Yep. Yeah. Yeah. Mhmm. Okay. For now, we'll choose the clear view. Yes. Okay. Uh-huh. So you call me in October to go through the insurance? On a Tuesdays are usually good for me. To be safe maybe at, like so if it's 4PM here, it'll be 3PM up there. Yeah? Yes. Yeah. So, basically, I can do it on the sixth, the thirteenth, the twentieth. Yep. September 7. Yeah. Any any Tuesday in October. And I think to be safe, just make it 4PM. Yes. Yep. Oh, okay. So do I put a date in my calendar or not? Oh, no. You you Maddie can call me and give me a date. Whatever's gonna suit you, then I'm fine. As long as it's like yeah. Around 4PM. Any of those Tuesdays. Well, next week is only a week away, so I'm assuming probably later in October. Yeah. Whatever. I'm easy. Sorry. I'm just double checking. Yes. I see I see the doctor on the November 4. Yep. Okay. Yes. Yes. Yes. Of course. Yes. Yes. Of course. Now it's still just it's exactly the same stuff, but I'm doing just the usual. Mhmm. Oh, that'd be great. Thank you so much. Yes. That's right. Yep. And is that included in the policy price? Okay. So they're on top of it. Okay. Yep. So on page 26, which shows the current is the insurance premium that I'm paying now on page 26. So the premium is 6,000. So when it says five year impact, that means it's five years. That's what super it might be. Okay. Yeah. Okay. Okay. Okay. Alright. Just just understanding exactly what it is. Alright. No worries. That sounds good. Yeah. Okay. Mhmm. Mhmm. Yep. I still haven't done a will. Yep. So what do I do now? Okay. Do I sign in the small box? Would I sign in the big box? So we're sorry. Next. Is it only one technician? Next document. Okay. Got it. Yep. Yep. Oh, okay. So you've done one already. Okay. Yep. Oh, shoot. Yep. Got it. Yep. And premium time. You want the next document? Yes. Uh-huh. Okay. And then I get a copy of all this anyway, don't I? Okay. Yes. Okay. And I've downloaded it as well. Well, hope hopefully, I've downloaded it. Oh, I pre download it. I pre download it, so you should have that now. Yeah. I think so. Yes. Okay. Yeah. Yes. So yeah. So they have the doctor's information. Okay. Yes? Okay. Alright. Yep. Yeah. So that'll be the yeah. Yeah. Okay. Awesome. Alright. No. I think I asked you all the questions. I can always just call up if I need to speak to you. Yeah. Oh, yeah. Exactly. Exactly. Yes. I know. I have a really good one when I called. Yeah. Mhmm. Oh, let me just I don't even know, by the way. Jesus. Oh, yeah. Yes. Yes. The November 12. Okay. He just reminded me. Thank you very much. I can't wait to update that photo. It's terrible. Oh my god. I'm a little bad. Yes. I'm glad. I was I was wondering whether it was gonna be this year. Fantastic. Oh, no. No. That was expired. When is it? 2028. On a '2 more years of sorry. Two more years of torture. Okay. Thank you so much. Yes. You there? No. That's okay. Because I'm just I'm just getting out of the car now because I'm finished off my shopping. I had it in my driveway, but I didn't get a reminder, I think. So I think I was just, like, trying timing everything, and then I left and it's completely completely forgot. And you called me at, like, the most perfect time. I was just walking into the sliding door, and I was like, okay. I'll just go back to the car. Yeah. So it's good. No. It's fine. Because otherwise, I just I'd have to wait a whole another week before I could talk to you. So it looked out well. Awesome. Alright. Thank you so much, and we'll speak next week. Okay. Thank you. Have a good day. Bye. 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Hi, Tommy. How are you? I'm good. Thank you.\n\nYou're not the one that went on maternity leave, are you? Paternatively. Yes. How was it? Oh, that went fast.\n\nSo it didn't go fast? Okay. Oh, okay. Yes. Of course.\n\nI would do. Oh, cute. Oh, wow. Three. Fantastic.\n\nYes. You do. Yes. Sure. Yep.\n\nAnd just find the email. Oh, we sent it. Yep. Yep. Yep.\n\n6 Of the first nineteen seventy two, Number 8 Yelverton Street, Sydney, New South Wales 2044. Yes. Okay. Yep. Yep.\n\nGot it. Yeah. Yeah. Just taking a sec. I think my Internet is closed.\n\nI'm not home. I just yeah. Yeah. It's no work. So yeah.\n\nI don't know. Perfect. My son's used all the data, so data just becomes slower until, I think, two more days. Yep. So yeah.\n\nOkay. I all I can see is Oakview in my name. Oh, hang on. I think something's happening now. Yep.\n\nGot it. Mhmm. Yep. Mhmm. Yep.\n\nYep. Yes. I haven't done that yet. I still still gotta speak to the accountant about that. Yep.\n\nOkay. So what page is this? Sorry. Yep. Eight.\n\nMhmm. Life on assets and liabilities. Yep. Okay. Yep.\n\nYep. Yep. Yes. Yes. So what is that?\n\nSorry. Please note this is the 15% rebate amount allowed from what's that for? Sorry. Please note this 15 percent rebate it. Yep.\n\nOkay. That comes out of super. And the 15% rebate of the 7,000 what was that? 7,157. Okay.\n\nI see. Yep. Yep. Yep. Okay.\n\nYep. Yeah. Yep. Yeah. Question.\n\nYep. Yep. Okay. Okay. Yep.\n\nOkay. I would but anyway. Yeah? Yeah. So the red is the red negative?\n\nMhmm. So I'm still better off? Okay. Yep. Okay.\n\nOkay. That's the that's the one that's fixed now, and it's gonna be $4.04. Mhmm. So is that including my $60 a week? Mhmm.\n\nSo this so where it says current and recommended, what does that mean? Yep. Okay. Yep. Okay.\n\nSo if I do a 6 if I add the $60 a week and salary sacrifice and do and the premium gets dropped, Does the premium kind of in stay or does it keep going up? It keep going up? Yep. Okay. Okay.\n\nOkay. Yep. Hit start. Sorry. I've just had to turn my car.\n\nI'm sitting in the car. I'm just gonna turn the car on so I can charge my phone. So where are we now? Sorry? Are you there?\n\nSo sorry. What page is that? Yes. Okay. Okay.\n\nMhmm. Mhmm. Yeah. Is that the one with Red Riding Investments and then all the different investments? Yep.\n\nYeah. I think we spoke yeah. Yeah. I think you just mentioned it the last time. Yeah.\n\nOkay. Okay. Okay. Okay. Yes.\n\nOh, okay. I'm already associate. Oh, okay. So right now, three investments or the investor sorry. I'm assuming, you know, eyesight.\n\nNo. It's just like because I'm trying to zoom in because it kind of it's it's gone small. I'm trying to get it back to the investment one. Just page what page is that? Oh, that's 30.\n\nOkay. Okay. Found it. So I keep going here. Yeah.\n\nSo all those investment names that's on page seven on page 17, That's not what I have current. Okay. Okay. Yep. Mhmm.\n\nYeah. No. But so you're removing some investment, and you're adding new ones because they're not performing. Sorry. Just in layman's terms.\n\nYeah. Okay. And the other ones are not, like, they'll perform better. Okay. Like, worst case scenario if all of them get bumped up.\n\nI mean, is that even possible? I can definitely say. Sure. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yes.\n\nYep. Okay. Yep. Yep. Yep.\n\nAnd so so just so basically so that Australian shares international shares would take away half, did you still have money? Yep. Okay. Yeah. Yeah.\n\nYeah. Okay. So say the figure that I have in my sorry. You're there? Oh, so say like, if I went on to start going to my hub account and I see what my super balance is now, like, how would that affect that balance roughly?\n\nYep. Okay. Yeah. Yeah. Yes.\n\nOf course. Yes. Yes. Yep. Yeah.\n\nOkay. Cool. Sorry. I know it's it's stupid questions, but I I just have to get my knees around. Yep.\n\nExactly. Yes. No. Yes. Yep.\n\nMhmm. Okay. That's what I was just gonna ask. Yep. Yes.\n\nYes. I was gonna say that, like, if it if the if the customer chose, for example, say, actually, can I not can I only do 50% of what I'm doing? So in that way, kind of ensuring they still got 50%. And that can kind of be done anytime. Yep.\n\nYep. Yes. Okay. Okay. You can ask anytime and you can still do that.\n\nOkay. The money's fully vested. Yeah. Of course. Low risk.\n\nYeah. Yeah. Okay. Okay. Yes.\n\nYep. Mhmm. Uh-huh. Yeah. Yeah.\n\nI remember you saying that. Yes. Yeah. Okay. Yeah.\n\nBecause in the hand, I'm kinda still getting $20.41 dollars short as opposed to $60 short. Yep. Yeah. Yeah. Okay.\n\nSo that was his table easier. Yep. Yes. Yes. Mhmm.\n\nYep. Yes. Got it. Yeah. Yep.\n\nOkay. So do what do I do? I'm actually seeing I'm seeing I see so I used to see him six months, and now I see him annually, and I'm due to see him at the beginning of November. So what do I ask? Yeah.\n\nYeah. Okay. Okay. Yep. Yeah.\n\nYeah. Mhmm. Okay. For now, we'll choose the clear view. Yes.\n\nOkay. Uh-huh. So you call me in October to go through the insurance? On a Tuesdays are usually good for me. To be safe maybe at, like so if it's 4PM here, it'll be 3PM up there.\n\nYeah? Yes. Yeah. So, basically, I can do it on the sixth, the thirteenth, the twentieth. Yep.\n\nSeptember 7. Yeah. Any any Tuesday in October. And I think to be safe, just make it 4PM. Yes.\n\nYep. Oh, okay. So do I put a date in my calendar or not? Oh, no. You you Maddie can call me and give me a date.\n\nWhatever's gonna suit you, then I'm fine. As long as it's like yeah. Around 4PM. Any of those Tuesdays. Well, next week is only a week away, so I'm assuming probably later in October.\n\nYeah. Whatever. I'm easy. Sorry. I'm just double checking.\n\nYes. I see I see the doctor on the November 4. Yep. Okay. Yes.\n\nYes. Yes. Of course. Yes. Yes.\n\nOf course. Now it's still just it's exactly the same stuff, but I'm doing just the usual. Mhmm. Oh, that'd be great. Thank you so much.\n\nYes. That's right. Yep. And is that included in the policy price? Okay.\n\nSo they're on top of it. Okay. Yep. So on page 26, which shows the current is the insurance premium that I'm paying now on page 26. So the premium is 6,000.\n\nSo when it says five year impact, that means it's five years. That's what super it might be. Okay. Yeah. Okay.\n\nOkay. Okay. Alright. Just just understanding exactly what it is. Alright.\n\nNo worries. That sounds good. Yeah. Okay. Mhmm.\n\nMhmm. Yep. I still haven't done a will. Yep. So what do I do now?\n\nOkay. Do I sign in the small box? Would I sign in the big box? So we're sorry. Next.\n\nIs it only one technician? Next document. Okay. Got it. Yep.\n\nYep. Oh, okay. So you've done one already. Okay. Yep.\n\nOh, shoot. Yep. Got it. Yep. And premium time.\n\nYou want the next document? Yes. Uh-huh. Okay. And then I get a copy of all this anyway, don't I?\n\nOkay. Yes. Okay. And I've downloaded it as well. Well, hope hopefully, I've downloaded it.\n\nOh, I pre download it. I pre download it, so you should have that now. Yeah. I think so. Yes.\n\nOkay. Yeah. Yes. So yeah. So they have the doctor's information.\n\nOkay. Yes? Okay. Alright. Yep.\n\nYeah. So that'll be the yeah. Yeah. Okay. Awesome.\n\nAlright. No. I think I asked you all the questions. I can always just call up if I need to speak to you. Yeah.\n\nOh, yeah. Exactly. Exactly. Yes. I know.\n\nI have a really good one when I called. Yeah. Mhmm. Oh, let me just I don't even know, by the way. Jesus.\n\nOh, yeah. Yes. Yes. The November 12. Okay.\n\nHe just reminded me. Thank you very much. I can't wait to update that photo. It's terrible. Oh my god.\n\nI'm a little bad. Yes. I'm glad. I was I was wondering whether it was gonna be this year. Fantastic.\n\nOh, no. No. That was expired. When is it? 2028.\n\nOn a '2 more years of sorry. Two more years of torture. Okay. Thank you so much. Yes.\n\nYou there? No. That's okay. Because I'm just I'm just getting out of the car now because I'm finished off my shopping. I had it in my driveway, but I didn't get a reminder, I think.\n\nSo I think I was just, like, trying timing everything, and then I left and it's completely completely forgot. And you called me at, like, the most perfect time. I was just walking into the sliding door, and I was like, okay. I'll just go back to the car. Yeah.\n\nSo it's good. No. It's fine. Because otherwise, I just I'd have to wait a whole another week before I could talk to you. So it looked out well.\n\nAwesome. Alright. Thank you so much, and we'll speak next week. Okay. Thank you.\n\nHave a good day. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.029662813991308212},{"text":"Hi, Tommy.","start":5.2,"end":5.92,"sentiment":"neutral","sentiment_score":0.19691510498523712},{"text":"How are you?","start":5.92,"end":6.66,"sentiment":"neutral","sentiment_score":0.20432480672995249},{"text":"I'm good.","start":8.8,"end":9.28,"sentiment":"positive","sentiment_score":0.3467915654182434},{"text":"Thank you.","start":9.28,"end":9.679999,"sentiment":"positive","sentiment_score":0.40131884813308716}],"sentiment":"neutral","sentiment_score":0.2532688271254301,"num_words":10,"start":0.48,"end":9.679999},{"sentences":[{"text":"You're not the one that went on maternity leave, are you?","start":9.679999,"end":12.0199995,"sentiment":"neutral","sentiment_score":-0.02791546606882052},{"text":"Paternatively.","start":12.16,"end":12.66,"sentiment":"neutral","sentiment_score":0.021348081529140472},{"text":"Yes.","start":13.04,"end":13.28,"sentiment":"neutral","sentiment_score":0.052546873688697815},{"text":"How was it?","start":13.28,"end":14.179999,"sentiment":"neutral","sentiment_score":0.06659932931264241},{"text":"Oh, that went fast.","start":15.925,"end":16.885,"sentiment":"neutral","sentiment_score":0.04331614589318633}],"sentiment":"neutral","sentiment_score":0.0069943699985742566,"num_words":20,"start":9.679999,"end":16.885},{"sentences":[{"text":"So it didn't go fast?","start":16.885,"end":18.105,"sentiment":"neutral","sentiment_score":-0.05224645584821701},{"text":"Okay.","start":21.845,"end":22.345,"sentiment":"neutral","sentiment_score":-0.022425349801778793},{"text":"Oh, okay.","start":23.685,"end":24.665,"sentiment":"neutral","sentiment_score":0.07196797989308834},{"text":"Yes.","start":25.365,"end":25.765,"sentiment":"neutral","sentiment_score":0.05381520837545395},{"text":"Of course.","start":25.765,"end":26.425,"sentiment":"neutral","sentiment_score":0.06624338775873184}],"sentiment":"neutral","sentiment_score":0.004234574057839133,"num_words":11,"start":16.885,"end":26.425},{"sentences":[{"text":"I would do.","start":26.965,"end":27.865,"sentiment":"neutral","sentiment_score":0.08527063702543576},{"text":"Oh, cute.","start":32.649998,"end":33.37,"sentiment":"positive","sentiment_score":0.44327305257320404},{"text":"Oh, wow.","start":33.37,"end":34.01,"sentiment":"neutral","sentiment_score":0.28761163353919983},{"text":"Three.","start":34.01,"end":34.51,"sentiment":"neutral","sentiment_score":0.32890668511390686},{"text":"Fantastic.","start":34.809998,"end":35.309998,"sentiment":"positive","sentiment_score":0.6116853952407837}],"sentiment":"neutral","sentiment_score":0.29535259596175617,"num_words":9,"start":26.965,"end":35.309998},{"sentences":[{"text":"Yes.","start":41.29,"end":41.53,"sentiment":"neutral","sentiment_score":0.13485677540302277},{"text":"You do.","start":41.53,"end":42.19,"sentiment":"neutral","sentiment_score":0.17838814854621887},{"text":"Yes.","start":46.295,"end":46.535,"sentiment":"neutral","sentiment_score":0.07506272196769714},{"text":"Sure.","start":46.535,"end":47.035,"sentiment":"neutral","sentiment_score":0.12334080040454865},{"text":"Yep.","start":55.655,"end":56.155,"sentiment":"neutral","sentiment_score":0.03446757793426514}],"sentiment":"neutral","sentiment_score":0.12075069546699524,"num_words":6,"start":41.29,"end":56.155},{"sentences":[{"text":"And just find the email.","start":58.96,"end":60.420002,"sentiment":"neutral","sentiment_score":0.013873174972832202},{"text":"Oh, we sent it.","start":62.0,"end":63.06,"sentiment":"neutral","sentiment_score":0.01650760229676962},{"text":"Yep.","start":63.28,"end":63.78,"sentiment":"neutral","sentiment_score":0.02897626720368862},{"text":"Yep.","start":70.32,"end":70.82,"sentiment":"neutral","sentiment_score":0.019976120442152023},{"text":"Yep.","start":75.075,"end":75.395004,"sentiment":"neutral","sentiment_score":0.01904266327619553}],"sentiment":"neutral","sentiment_score":0.016949277914439637,"num_words":12,"start":58.96,"end":75.395004},{"sentences":[{"text":"6 Of the first nineteen seventy two, Number 8 Yelverton Street, Sydney, New South Wales 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a sec.","start":125.34,"end":126.14,"sentiment":"neutral","sentiment_score":-0.010464338352903724},{"text":"I think my Internet is closed.","start":126.14,"end":127.67999,"sentiment":"neutral","sentiment_score":-0.23707320292790732}],"sentiment":"neutral","sentiment_score":-0.09783872057284627,"num_words":14,"start":100.855,"end":127.67999},{"sentences":[{"text":"I'm not home.","start":128.535,"end":129.215,"sentiment":"neutral","sentiment_score":-0.16524787743886313},{"text":"I just yeah.","start":129.215,"end":130.955,"sentiment":"neutral","sentiment_score":-0.07286763191223145},{"text":"Yeah.","start":131.815,"end":131.975,"sentiment":"neutral","sentiment_score":-0.045784369111061096},{"text":"It's no work.","start":131.975,"end":132.85501,"sentiment":"neutral","sentiment_score":-0.20023836692174277},{"text":"So yeah.","start":132.85501,"end":133.255,"sentiment":"neutral","sentiment_score":-0.12005152925848961}],"sentiment":"neutral","sentiment_score":-0.133412421370546,"num_words":12,"start":128.535,"end":133.255},{"sentences":[{"text":"I don't know.","start":133.255,"end":133.735,"sentiment":"neutral","sentiment_score":-0.15870028734207153},{"text":"Perfect.","start":133.735,"end":134.05501,"sentiment":"neutral","sentiment_score":0.050874412059783936},{"text":"My son's used all the data, so data just becomes slower until, I think, two more days.","start":134.05501,"end":140.875,"sentiment":"neutral","sentiment_score":-0.21975191857884913},{"text":"Yep.","start":142.05501,"end":142.55501,"sentiment":"neutral","sentiment_score":0.02050904929637909},{"text":"So yeah.","start":145.7,"end":146.36,"sentiment":"neutral","sentiment_score":-0.016791806556284428}],"sentiment":"neutral","sentiment_score":-0.17392015123429397,"num_words":24,"start":133.255,"end":146.36},{"sentences":[{"text":"Okay.","start":149.7,"end":150.2,"sentiment":"neutral","sentiment_score":0.012610143050551414},{"text":"I all I can see is Oakview in my name.","start":150.26001,"end":152.68001,"sentiment":"neutral","sentiment_score":0.049573705345392224},{"text":"Oh, hang on.","start":158.90001,"end":159.54498,"sentiment":"neutral","sentiment_score":-0.04138921449581782},{"text":"I think something's happening now.","start":159.54498,"end":161.28499,"sentiment":"neutral","sentiment_score":-0.0851296216249466},{"text":"Yep.","start":163.745,"end":164.065,"sentiment":"neutral","sentiment_score":0.12949493527412417}],"sentiment":"neutral","sentiment_score":0.004401319008320571,"num_words":20,"start":149.7,"end":164.065},{"sentences":[{"text":"Got 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yet.","start":197.875,"end":198.83499,"sentiment":"neutral","sentiment_score":-0.20355242788791655},{"text":"I still still gotta speak to the accountant about that.","start":198.83499,"end":202.56,"sentiment":"neutral","sentiment_score":-0.2042647585272789},{"text":"Yep.","start":213.2,"end":213.7,"sentiment":"neutral","sentiment_score":0.005291407462209463}],"sentiment":"neutral","sentiment_score":-0.16244594641547236,"num_words":18,"start":189.11,"end":213.7},{"sentences":[{"text":"Okay.","start":215.385,"end":215.885,"sentiment":"neutral","sentiment_score":0.18018236756324768},{"text":"So what page is 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off?","start":437.82,"end":439.28,"sentiment":"neutral","sentiment_score":0.1520988628268242},{"text":"Okay.","start":440.605,"end":441.105,"sentiment":"neutral","sentiment_score":0.1761288344860077},{"text":"Yep.","start":443.245,"end":443.745,"sentiment":"neutral","sentiment_score":0.2347240149974823},{"text":"Okay.","start":446.765,"end":447.265,"sentiment":"neutral","sentiment_score":0.15655401349067688}],"sentiment":"neutral","sentiment_score":0.14797711600032118,"num_words":9,"start":425.34,"end":447.265},{"sentences":[{"text":"Okay.","start":462.8,"end":463.28,"sentiment":"neutral","sentiment_score":0.08675514906644821},{"text":"That's the that's the one that's fixed now, and it's gonna be $4.04.","start":463.28,"end":466.65997,"sentiment":"neutral","sentiment_score":0.09196085712084404},{"text":"Mhmm.","start":468.24,"end":468.74,"sentiment":"neutral","sentiment_score":0.12477067857980728},{"text":"So is that including my $60 a 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is.","start":1682.63,"end":1684.87,"sentiment":"neutral","sentiment_score":0.027670597391469137},{"text":"Alright.","start":1684.87,"end":1685.11,"sentiment":"neutral","sentiment_score":0.07963274419307709}],"sentiment":"neutral","sentiment_score":0.03952289965342392,"num_words":11,"start":1675.75,"end":1685.11},{"sentences":[{"text":"No worries.","start":1685.11,"end":1685.59,"sentiment":"neutral","sentiment_score":0.07274504378437996},{"text":"That sounds 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will.","start":1709.4099,"end":1711.51,"sentiment":"neutral","sentiment_score":-0.05338328083356222},{"text":"Yep.","start":1716.075,"end":1716.575,"sentiment":"neutral","sentiment_score":0.13649731874465942},{"text":"So what do I do now?","start":1717.633,"end":1725.9238,"sentiment":"neutral","sentiment_score":0.056092158891260624}],"sentiment":"neutral","sentiment_score":0.03991251724461715,"num_words":15,"start":1693.605,"end":1725.9238},{"sentences":[{"text":"Okay.","start":1726.9819,"end":1727.4819,"sentiment":"neutral","sentiment_score":0.04249024391174317},{"text":"Do I sign in the small box?","start":1728.7001,"end":1730.88,"sentiment":"neutral","sentiment_score":0.027343092220170156},{"text":"Would I sign in the big box?","start":1732.06,"end":1733.68,"sentiment":"neutral","sentiment_score":0.011690229709659303},{"text":"So we're sorry.","start":1788.15,"end":1789.11,"sentiment":"neutral","sentiment_score":-0.07034044836958249},{"text":"Next.","start":1789.11,"end":1789.61,"sentiment":"neutral","sentiment_score":-0.016187654808163643}],"sentiment":"neutral","sentiment_score":0.004658657763349383,"num_words":19,"start":1726.9819,"end":1789.61},{"sentences":[{"text":"Is it only one technician?","start":1795.11,"end":1796.49,"sentiment":"neutral","sentiment_score":-0.0014739237725734712},{"text":"Next document.","start":1797.11,"end":1797.8301,"sentiment":"neutral","sentiment_score":0.007370490115135909},{"text":"Okay.","start":1797.8301,"end":1798.15,"sentiment":"neutral","sentiment_score":0.07096114009618759},{"text":"Got it.","start":1798.15,"end":1798.89,"sentiment":"neutral","sentiment_score":0.11816758662462234},{"text":"Yep.","start":1798.9501,"end":1799.4501,"sentiment":"neutral","sentiment_score":0.1314181089401245}],"sentiment":"neutral","sentiment_score":0.04055325305936011,"num_words":11,"start":1795.11,"end":1799.4501},{"sentences":[{"text":"Yep.","start":1810.265,"end":1810.765,"sentiment":"neutral","sentiment_score":0.07078015804290771},{"text":"Oh, okay.","start":1810.985,"end":1811.545,"sentiment":"neutral","sentiment_score":0.06650509499013424},{"text":"So you've done one already.","start":1811.545,"end":1812.6849,"sentiment":"neutral","sentiment_score":0.054778677970170976},{"text":"Okay.","start":1813.785,"end":1814.265,"sentiment":"neutral","sentiment_score":0.09827151894569396},{"text":"Yep.","start":1814.265,"end":1814.765,"sentiment":"neutral","sentiment_score":0.08306486159563065}],"sentiment":"neutral","sentiment_score":0.06590201184153557,"num_words":10,"start":1810.265,"end":1814.765},{"sentences":[{"text":"Oh, shoot.","start":1815.705,"end":1816.41,"sentiment":"neutral","sentiment_score":0.07178565487265587},{"text":"Yep.","start":1823.85,"end":1824.25,"sentiment":"neutral","sentiment_score":0.11848657578229904},{"text":"Got it.","start":1824.25,"end":1824.99,"sentiment":"neutral","sentiment_score":0.13472381979227066},{"text":"Yep.","start":1839.295,"end":1839.795,"sentiment":"neutral","sentiment_score":0.07478068768978119},{"text":"And premium time.","start":1840.5751,"end":1842.115,"sentiment":"neutral","sentiment_score":0.05163276940584183}],"sentiment":"neutral","sentiment_score":0.08457605789105098,"num_words":9,"start":1815.705,"end":1842.115},{"sentences":[{"text":"You want the next document?","start":1844.44,"end":1847.32,"sentiment":"neutral","sentiment_score":0.029148074984550475},{"text":"Yes.","start":1847.5599,"end":1848.0599,"sentiment":"neutral","sentiment_score":0.006371166091412306},{"text":"Uh-huh.","start":1853.88,"end":1854.38,"sentiment":"neutral","sentiment_score":0.10119294375181198},{"text":"Okay.","start":1859.9651,"end":1860.4651,"sentiment":"neutral","sentiment_score":0.11238480359315872},{"text":"And then I get a copy of all this anyway, don't I?","start":1862.285,"end":1864.8651,"sentiment":"neutral","sentiment_score":0.10204305934409301}],"sentiment":"neutral","sentiment_score":0.07951030002441258,"num_words":20,"start":1844.44,"end":1864.8651},{"sentences":[{"text":"Okay.","start":1870.7799,"end":1871.2799,"sentiment":"neutral","sentiment_score":0.10066154599189758},{"text":"Yes.","start":1881.825,"end":1882.325,"sentiment":"neutral","sentiment_score":0.11847387254238129},{"text":"Okay.","start":1882.865,"end":1883.1849,"sentiment":"neutral","sentiment_score":0.12016959488391876},{"text":"And I've downloaded it as well.","start":1883.1849,"end":1884.885,"sentiment":"neutral","sentiment_score":0.172326248139143},{"text":"Well, hope hopefully, I've downloaded it.","start":1885.6649,"end":1887.765,"sentiment":"neutral","sentiment_score":0.25192655622959137}],"sentiment":"neutral","sentiment_score":0.1923214559753736,"num_words":15,"start":1870.7799,"end":1887.765},{"sentences":[{"text":"Oh, I pre download it.","start":1890.865,"end":1892.225,"sentiment":"neutral","sentiment_score":0.08067431151866913},{"text":"I pre download it, so you should have that now.","start":1892.225,"end":1895.62,"sentiment":"neutral","sentiment_score":0.22300659120082855},{"text":"Yeah.","start":1908.155,"end":1908.3417,"sentiment":"neutral","sentiment_score":0.201131671667099},{"text":"I think 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that'll be the yeah.","start":1940.315,"end":1942.095,"sentiment":"neutral","sentiment_score":0.09821221232414246},{"text":"Yeah.","start":1942.6349,"end":1942.875,"sentiment":"neutral","sentiment_score":0.24885699152946472},{"text":"Okay.","start":1942.875,"end":1943.115,"sentiment":"positive","sentiment_score":0.36873143911361694},{"text":"Awesome.","start":1943.115,"end":1943.615,"sentiment":"positive","sentiment_score":0.531854510307312}],"sentiment":"neutral","sentiment_score":0.19357328613599142,"num_words":9,"start":1940.075,"end":1943.615},{"sentences":[{"text":"Alright.","start":1944.075,"end":1944.575,"sentiment":"neutral","sentiment_score":0.24655918776988983},{"text":"No.","start":1947.85,"end":1948.01,"sentiment":"neutral","sentiment_score":-0.02210034616291523},{"text":"I think I asked you all the questions.","start":1948.01,"end":1950.03,"sentiment":"neutral","sentiment_score":0.032099868869408965},{"text":"I can always just call up if I need to speak to you.","start":1950.65,"end":1953.15,"sentiment":"neutral","sentiment_score":0.07142303196283487},{"text":"Yeah.","start":1954.81,"end":1955.31,"sentiment":"neutral","sentiment_score":0.04822762683033943}],"sentiment":"neutral","sentiment_score":0.06074936812122663,"num_words":24,"start":1944.075,"end":1955.31},{"sentences":[{"text":"Oh, yeah.","start":1958.185,"end":1958.905,"sentiment":"neutral","sentiment_score":0.043379440903663635},{"text":"Exactly.","start":1958.905,"end":1959.405,"sentiment":"neutral","sentiment_score":0.058976881206035614},{"text":"Exactly.","start":1959.4651,"end":1959.9451,"sentiment":"neutral","sentiment_score":0.17185983061790466},{"text":"Yes.","start":1959.9451,"end":1960.185,"sentiment":"neutral","sentiment_score":0.24020478129386905},{"text":"I 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yeah.","start":1990.0449,"end":1990.7849,"sentiment":"neutral","sentiment_score":0.0602865144610405},{"text":"Yes.","start":1991.965,"end":1992.465,"sentiment":"neutral","sentiment_score":0.14904065430164337},{"text":"Yes.","start":1992.5249,"end":1993.005,"sentiment":"neutral","sentiment_score":0.08953931927680969},{"text":"The November 12.","start":1993.005,"end":1994.2849,"sentiment":"neutral","sentiment_score":0.020681060229738552},{"text":"Okay.","start":1994.2849,"end":1994.5249,"sentiment":"neutral","sentiment_score":0.048971112817525864}],"sentiment":"neutral","sentiment_score":0.05877091200090945,"num_words":8,"start":1990.0449,"end":1994.5249},{"sentences":[{"text":"He just reminded me.","start":1994.5249,"end":1995.485,"sentiment":"neutral","sentiment_score":0.09756269305944443},{"text":"Thank you very much.","start":1995.485,"end":1996.625,"sentiment":"positive","sentiment_score":0.42943204939365387},{"text":"I can't wait to update that 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year.","start":2007.29,"end":2009.53,"sentiment":"neutral","sentiment_score":0.04544767768432697},{"text":"Fantastic.","start":2009.53,"end":2010.03,"sentiment":"neutral","sentiment_score":0.2205251306295395}],"sentiment":"neutral","sentiment_score":0.028406943939626218,"num_words":20,"start":2003.21,"end":2010.03},{"sentences":[{"text":"Oh, no.","start":2010.865,"end":2011.105,"sentiment":"neutral","sentiment_score":-0.0016830479726195335},{"text":"No.","start":2011.105,"end":2011.345,"sentiment":"neutral","sentiment_score":-0.03471319377422333},{"text":"That was expired.","start":2011.345,"end":2012.065,"sentiment":"neutral","sentiment_score":-0.06233099102973938},{"text":"When is it?","start":2012.065,"end":2012.5449,"sentiment":"neutral","sentiment_score":-0.029884137213230133},{"text":"2028.","start":2012.5449,"end":2013.605,"sentiment":"neutral","sentiment_score":-0.019701821729540825}],"sentiment":"neutral","sentiment_score":-0.03344264961779118,"num_words":10,"start":2010.865,"end":2013.605},{"sentences":[{"text":"On a '2 more years of sorry.","start":2014.465,"end":2016.145,"sentiment":"neutral","sentiment_score":-0.11363335326313972},{"text":"Two more years of torture.","start":2016.145,"end":2017.365,"sentiment":"neutral","sentiment_score":-0.20355768799781798},{"text":"Okay.","start":2019.025,"end":2019.525,"sentiment":"neutral","sentiment_score":0.03726666048169136},{"text":"Thank you so much.","start":2021.585,"end":2022.8049,"sentiment":"neutral","sentiment_score":0.3303065523505211},{"text":"Yes.","start":2027.01,"end":2027.17,"sentiment":"neutral","sentiment_score":0.06049031764268875}],"sentiment":"neutral","sentiment_score":-0.02190215140581131,"num_words":18,"start":2014.465,"end":2027.17},{"sentences":[{"text":"You there?","start":2027.17,"end":2027.8301,"sentiment":"neutral","sentiment_score":0.030941723845899105},{"text":"No.","start":2029.81,"end":2030.05,"sentiment":"neutral","sentiment_score":-0.06464838981628418},{"text":"That's okay.","start":2030.05,"end":2030.4501,"sentiment":"neutral","sentiment_score":-0.01435986626893282},{"text":"Because I'm just I'm just getting out of the car now because I'm finished off my shopping.","start":2030.4501,"end":2034.15,"sentiment":"neutral","sentiment_score":-0.013951225836268243},{"text":"I had it in my driveway, but I didn't get a reminder, I think.","start":2037.685,"end":2041.765,"sentiment":"neutral","sentiment_score":0.021415737058435167}],"sentiment":"neutral","sentiment_score":0.0008656890260883503,"num_words":36,"start":2027.17,"end":2041.765},{"sentences":[{"text":"So I think I was just, like, trying timing everything, and then I left and it's completely completely forgot.","start":2041.765,"end":2046.165,"sentiment":"neutral","sentiment_score":-0.0391350304217715},{"text":"And you called me at, like, the most perfect time.","start":2046.165,"end":2048.165,"sentiment":"neutral","sentiment_score":0.24934355318546295},{"text":"I was just walking into the sliding door, and I was like, okay.","start":2048.165,"end":2050.98,"sentiment":"neutral","sentiment_score":0.07676594532453097},{"text":"I'll just go back to the car.","start":2050.98,"end":2052.28,"sentiment":"neutral","sentiment_score":0.00828738377562591},{"text":"Yeah.","start":2054.02,"end":2054.26,"sentiment":"neutral","sentiment_score":0.07596936821937561}],"sentiment":"neutral","sentiment_score":0.05763616595417261,"num_words":50,"start":2041.765,"end":2054.26},{"sentences":[{"text":"So it's good.","start":2054.26,"end":2055.06,"sentiment":"neutral","sentiment_score":0.0968827394147714},{"text":"No.","start":2055.06,"end":2055.3,"sentiment":"neutral","sentiment_score":-0.05214979499578476},{"text":"It's fine.","start":2055.3,"end":2055.86,"sentiment":"neutral","sentiment_score":-0.02561772707849741},{"text":"Because otherwise, I just I'd have to wait a whole another week before I could talk to you.","start":2055.86,"end":2059.1401,"sentiment":"neutral","sentiment_score":-0.09653434861037466},{"text":"So it looked out 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day.","start":2068.0269,"end":2068.9268,"sentiment":"positive","sentiment_score":0.6272030919790268},{"text":"Bye.","start":2069.067,"end":2069.567,"sentiment":"neutral","sentiment_score":0.30851632356643677},{"text":"Bye.","start":2070.4268,"end":2070.9268,"sentiment":"neutral","sentiment_score":-0.1232321560382843}],"sentiment":"positive","sentiment_score":0.44901608924070996,"num_words":6,"start":2068.0269,"end":2070.9268}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Halima. It's Tommy here from Oakview. How are you doing?\n\nChannel 1: Hi, Tommy. How are you?\n\nChannel 0: I'm doing fantastic. How are you?\n\nChannel 1: I'm good. Thank you. You're not the one that went on maternity leave, are you? Paternatively.\n\nChannel 0: Yes.\n\nChannel 1: Yes. How was\n\nChannel 0: I\n\nChannel 1: it?\n\nChannel 0: am. That was fantastic. The\n\nChannel 1: Oh, that went fast. So it didn't go fast?\n\nChannel 0: oh, yeah. I only I was only off for a couple of weeks and then a bit of\n\nChannel 1: Okay.\n\nChannel 0: a slow transition back. My\n\nChannel 1: Oh,\n\nChannel 0: wife did all\n\nChannel 1: okay.\n\nChannel 0: the heavy lifting,\n\nChannel 1: Yes. Of course. I\n\nChannel 0: But,\n\nChannel 1: would\n\nChannel 0: no,\n\nChannel 1: do.\n\nChannel 0: it went great. My my two sons absolutely adore their baby sister. And\n\nChannel 1: Oh, cute. Oh, wow. Three. Fantastic.\n\nChannel 0: Yep. We're finished now, and I I'm doing pretty well in the sleep. So I hope I'm I'm sounding okay.\n\nChannel 1: Yes. You do.\n\nChannel 0: Perfect. Have you still got about ten minutes for me today?\n\nChannel 1: Yes. Sure.\n\nChannel 0: Perfect. So I've got this advice strategy to send through to your email. Will you be able to look onto the documents with me, or should I just give\n\nChannel 1: Yep.\n\nChannel 0: you a bit of a walk\n\nChannel 1: And\n\nChannel 0: walk\n\nChannel 1: just find the email.\n\nChannel 0: through? No worries. So that'll come\n\nChannel 1: Oh, we\n\nChannel 0: through\n\nChannel 1: sent it.\n\nChannel 0: now.\n\nChannel 1: Yep.\n\nChannel 0: Just while that's taking a moment, because there are a few attachments, I'm just gonna go through quick security check with you.\n\nChannel 1: Yep.\n\nChannel 0: If I could just grab your date of birth and address that we would have on file, please,\n\nChannel 1: Yep.\n\nChannel 0: Helena.\n\nChannel 1: 6 Of the first nineteen seventy two, Number 8 Yelverton\n\nChannel 0: Yep.\n\nChannel 1: Street, Sydney, New South Wales 2044.\n\nChannel 0: Sensational. Thank you. And I'm registered with adviser 1273105. Are you okay for the call to be recorded?\n\nChannel 1: Yes.\n\nChannel 0: Amazing. So that should come through, and it should be listed as a signature request for statement of advice.\n\nChannel 1: Okay. Yep.\n\nChannel 0: And then once you go in there, there's sorry. Go for it.\n\nChannel 1: Yep. Got it.\n\nChannel 0: There's attachments at the bottom. We can ignore those for now. It's basically all the product documents. And\n\nChannel 1: Yeah.\n\nChannel 0: if you can just hit into that sign button to open up the documents, you should see four in\n\nChannel 1: Yeah.\n\nChannel 0: there starting with your statement of advice. You should see beachfront Gold Coast picture as cover page for that\n\nChannel 1: Just taking a\n\nChannel 0: one.\n\nChannel 1: sec. I think my Internet is closed. I'm\n\nChannel 0: Yeah.\n\nChannel 1: not home.\n\nChannel 0: I'll give\n\nChannel 1: I\n\nChannel 0: it\n\nChannel 1: just\n\nChannel 0: a minute.\n\nChannel 1: yeah.\n\nChannel 0: That is\n\nChannel 1: Yeah.\n\nChannel 0: no\n\nChannel 1: It's\n\nChannel 0: worries\n\nChannel 1: no\n\nChannel 0: at\n\nChannel 1: work.\n\nChannel 0: all.\n\nChannel 1: So yeah. I don't know. Perfect. My son's used all the data, so data just becomes slower until, I think, two more days.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Oh, no.\n\nChannel 1: So yeah. Okay. I all I can see is Oakview in my name.\n\nChannel 0: Oh, is it still kind of doing that thing where it just, like, ticks down and and slowly loads the picture? Or\n\nChannel 1: Oh, hang on. I think something's happening now. Yep. Got it.\n\nChannel 0: cool. So\n\nChannel 1: Mhmm.\n\nChannel 0: if you can scroll through to that kind of third and fourth page where it has our scope of advice.\n\nChannel 1: Yep.\n\nChannel 0: So what we're focusing on for this document is basically reviewing the portfolio to fix up some of the underperforming investments.\n\nChannel 1: Mhmm.\n\nChannel 0: We we're gonna review the health information for the insurance and try and get the\n\nChannel 1: Yep.\n\nChannel 0: fees down.\n\nChannel 1: Yep.\n\nChannel 0: And, also, we just did a bit of a projection for adding an extra $60 a week to super just to show what a better salary sacrifice would do as\n\nChannel 1: Yes.\n\nChannel 0: well.\n\nChannel 1: I haven't done that yet. I still still gotta speak to the accountant about that.\n\nChannel 0: Yep. No worries at all. We're not giving any advice on the IAG shares or your debt management for, you know, caravans and and property and whatnot. It's\n\nChannel 1: Yep.\n\nChannel 0: really just around the super insurance review.\n\nChannel 1: Okay.\n\nChannel 0: Cool. Now if you can scroll through, page seven and eight has your details listed from our last conversation. Just, you know, income, email, phone, assets, and liabilities. Just making sure there's no major differences there.\n\nChannel 1: So what page is this? Sorry.\n\nChannel 0: On the document, it's seven and eight. On the digital system, it's eight and nine.\n\nChannel 1: Yep.\n\nChannel 0: And it should be listed about you, and then the page\n\nChannel 1: Eight.\n\nChannel 0: after that is assets and liabilities.\n\nChannel 1: Mhmm. Life on assets and liabilities.\n\nChannel 0: Yeah. We just\n\nChannel 1: Yep.\n\nChannel 0: got the\n\nChannel 1: Okay.\n\nChannel 0: home and the vehicle listed.\n\nChannel 1: Yep.\n\nChannel 0: Is that okay?\n\nChannel 1: Yep.\n\nChannel 0: Cool. And then if you go down past there, we've got the Clearview insurance policy on the next page in a table.\n\nChannel 1: Yep.\n\nChannel 0: So we've got the the 500,000 worth of life and disability insurance with Clearview. Now the big issue that we've got\n\nChannel 1: Yes.\n\nChannel 0: was the loading that you have, which is pushing it up above 7,000.\n\nChannel 1: Yes.\n\nChannel 0: And then if you go down\n\nChannel 1: So what\n\nChannel 0: just\n\nChannel 1: is\n\nChannel 0: a\n\nChannel 1: that?\n\nChannel 0: little bit\n\nChannel 1: Sorry. Please note this is the 15% rebate amount allowed from what's that for? Sorry. Please note\n\nChannel 0: oh, so\n\nChannel 1: this\n\nChannel 0: whenever\n\nChannel 1: 15\n\nChannel 0: there's\n\nChannel 1: percent\n\nChannel 0: an\n\nChannel 1: rebate\n\nChannel 0: expense\n\nChannel 1: it.\n\nChannel 0: inside super, you get a 15% sort of tax rebate for\n\nChannel 1: Yep.\n\nChannel 0: any\n\nChannel 1: Okay.\n\nChannel 0: fees or premiums. So that's after the 15% is in the table at the top, which is 6,083 is what actually comes out of the super.\n\nChannel 1: That comes out of super.\n\nChannel 0: Correct.\n\nChannel 1: And the 15% rebate of the 7,000 what was that? 7,157.\n\nChannel 0: Yeah. So if the the premium's 7,000, they will rebate 15% back and only take out the 6,000\n\nChannel 1: Okay.\n\nChannel 0: for\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: see.\n\nChannel 0: premium.\n\nChannel 1: Yep. Yep. Yep. Okay. Yep.\n\nChannel 0: That's the main thing that I wanted to kind of deal with today.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: The portfolio side of things was actually pretty fun. So I'll just go through, and you should see the next two pages just has your balanced risk profile there.\n\nChannel 1: Yeah. Question. Yep.\n\nChannel 0: The page after the pie chart,\n\nChannel 1: Yep.\n\nChannel 0: you'll see strategy recommendations for the super to begin with.\n\nChannel 1: Okay.\n\nChannel 0: So what we're doing here just briefly is updating a few investments within the portfolio. We managed to get the fees down. There's a little bit of capital gains tax to pay to switch it around, which we factored in, and\n\nChannel 1: Okay.\n\nChannel 0: just really boost up those returns for all periods, one, three, five, and ten years, which you should see. There's another couple of pages of text here. I do apologize. Just talking about the advantages and disadvantages on the next page. We've got in terms of disadvantages, we always have the brokerage fees for purchasing\n\nChannel 1: Yep.\n\nChannel 0: ETFs with our portfolios, and there's about 400 and\n\nChannel 1: Okay.\n\nChannel 0: $17 of capital gains tax that the super will pay for switching investments. But we've managed to get the fees down about $3.55 a year just in the first year alone. If\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: would\n\nChannel 0: go\n\nChannel 1: but\n\nChannel 0: down\n\nChannel 1: anyway. Yeah?\n\nChannel 0: yeah. So if you go\n\nChannel 1: Yeah.\n\nChannel 0: in two more pages, you should see a table with some colored numbers on it with essentially the the difference comparison for you.\n\nChannel 1: So\n\nChannel 0: You\n\nChannel 1: the\n\nChannel 0: should\n\nChannel 1: red is the red negative? Mhmm.\n\nChannel 0: see yeah. So, basically, $4.18 comes out for the capital gains tax when we switch the investments. You save $3.55 on the investment fees, which is about 40% drop. The\n\nChannel 1: So I'm\n\nChannel 0: contribution\n\nChannel 1: still better off?\n\nChannel 0: yes.\n\nChannel 1: Okay.\n\nChannel 0: Especially because they're percentage based. So the\n\nChannel 1: Yep.\n\nChannel 0: bigger your balance grows, the more fee savings there are.\n\nChannel 1: Okay.\n\nChannel 0: There's also the inclusion of the salary sacrifice, and I'm possibly able to drop the insurance premiums by at least $1,600, and I've factored that in as well.\n\nChannel 1: Okay. That's the that's the one that's fixed now, and it's gonna be $4.04.\n\nChannel 0: Yep.\n\nChannel 1: Mhmm.\n\nChannel 0: The five year rolling average will get your returns back up to around about that 9% mark above benchmark. And combined, all of this in the table below it, we should be able to boost things up by about a 100,000 over the next\n\nChannel 1: So is that including my $60 a week?\n\nChannel 0: next ten years. Correct. This is all of the strategies mixed together, which is change the investments, lower the fees, lower the premiums, and put in the $60 a week. All of that\n\nChannel 1: Mhmm.\n\nChannel 0: combined goes into that projection table.\n\nChannel 1: So this so where it says current and recommended, what does that mean?\n\nChannel 0: So if we did none of these strategies or changes and we continue to pay the 6,000 and we kept the Benelon investments and we didn't put any extra in, you would\n\nChannel 1: Yep.\n\nChannel 0: probably hit around the $3.30 mark in\n\nChannel 1: Okay.\n\nChannel 0: ten years. And if we do\n\nChannel 1: Yep.\n\nChannel 0: all of these strategies, we should be able to push you above 400\n\nChannel 1: Okay. So if I do a 6 if I add the $60 a week and salary sacrifice and do and the premium gets dropped,\n\nChannel 0: Correct.\n\nChannel 1: Does the premium kind of in stay or does it keep going up?\n\nChannel 0: They keep going up. So\n\nChannel 1: It\n\nChannel 0: with\n\nChannel 1: keep\n\nChannel 0: h,\n\nChannel 1: going up?\n\nChannel 0: every\n\nChannel 1: Yep.\n\nChannel 0: every year, they will increase the premiums. So\n\nChannel 1: Okay.\n\nChannel 0: I have to keep a lid on those pretty pretty\n\nChannel 1: Okay.\n\nChannel 0: heavily.\n\nChannel 1: Okay.\n\nChannel 0: If you go past there, there'll be just a very small page of investment returns and then the investments table after that, which is quite\n\nChannel 1: Yep.\n\nChannel 0: a few figures.\n\nChannel 1: Hit\n\nChannel 0: I do\n\nChannel 1: start.\n\nChannel 0: apologize.\n\nChannel 1: Sorry. I've just had to turn my car. I'm sitting in the car. I'm just gonna turn the car on so I can charge my phone. So where are we now?\n\nSorry?\n\nChannel 0: Okay. You should see after that projection table, there'll be investment returns on the next page. It's a very small page with just one small table on it.\n\nChannel 1: Are you there?\n\nChannel 0: Yep. I can still hear you loud and clear.\n\nChannel 1: So sorry. What page is that?\n\nChannel 0: On page sixteen and seventeen, we've got, like, an investment returns table and the investments\n\nChannel 1: Yes. Okay.\n\nChannel 0: table.\n\nChannel 1: Okay.\n\nChannel 0: Not too much to be said for the investments table, really just bumping things up across all periods. That extra sort of 22% per annum will really\n\nChannel 1: Mhmm.\n\nChannel 0: get things on track.\n\nChannel 1: Mhmm.\n\nChannel 0: The investments table, can you see that one there on the next page with the red heading? Big blue table has got quite a few figures in it.\n\nChannel 1: Yeah. Is that the one with Red Riding Investments and then all the different investments?\n\nChannel 0: Yeah. So the\n\nChannel 1: Yep.\n\nChannel 0: main thing to kind of point out here is that we are going to remove that Benelong investment option that wasn't performing too well. I am recommending\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: I\n\nChannel 0: update\n\nChannel 1: think we\n\nChannel 0: a few\n\nChannel 1: spoke\n\nChannel 0: extra ones as well.\n\nChannel 1: yeah. Yeah. I think you just mentioned it the last time.\n\nChannel 0: Yep. So rather\n\nChannel 1: Yeah.\n\nChannel 0: than just switching the one out, I wanna update a couple of them. And at the bottom of that table, you'll see kind of a few of the options options that we're adding in as some lower fee replacement options with a bit\n\nChannel 1: Okay.\n\nChannel 0: better performance as well. So just\n\nChannel 1: Okay.\n\nChannel 0: as an example, the BetaShares Australia 200 at the bottom of that table, that is a low fee replacement of Benelon. It chops the fees down about 80%, and it's performed much better over every time period.\n\nChannel 1: Okay. Okay.\n\nChannel 0: Couple of little fun things we've mixed in is just a bit of cybersecurity just with everything that's going on with the AI and everything like that. Those shares are doing pretty well.\n\nChannel 1: Yes. Oh, okay. I'm already associate.\n\nChannel 0: No. We're mixing those in as an additional component.\n\nChannel 1: Oh, okay. So right now, three investments or the investor sorry. I'm assuming, you know, eyesight.\n\nChannel 0: Oh, no. Did you flick down to the the signature, did you?\n\nChannel 1: No. It's just like because I'm trying to zoom in because it kind of it's it's gone small.\n\nChannel 0: Bit hard on the phone,\n\nChannel 1: I'm trying\n\nChannel 0: I imagine.\n\nChannel 1: to get it back to the investment one. Just page what page is that? Oh, that's 30. Okay. Okay.\n\nFound it.\n\nChannel 0: Cool.\n\nChannel 1: So I keep going here. Yeah. So all those investment names that's on page seven on page 17,\n\nChannel 0: Yep.\n\nChannel 1: That's not what I have current.\n\nChannel 0: It's a mixture of both. So the easiest way to\n\nChannel 1: Okay.\n\nChannel 0: read this table is the very last column and second last column. It shows you what we're recommending. And so anything that does have a number in it, like the one at the top that says five percent eleven thousand, that is what we're recommending to keep. The ones below it that is zero, that's the ones we're recommending to sell. And then the ones at the very bottom, the new inclusions.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Cool. That pretty much concludes the superannuation side of things besides the\n\nChannel 1: Mhmm.\n\nChannel 0: asset allocation table on page 19, which just show that we keep within that kind of 65% growth asset. It's a very colored pie chart.\n\nChannel 1: Yeah.\n\nChannel 0: Once you get to that colored pie chart, just wondering if you have any questions on on anything I've mentioned so far.\n\nChannel 1: No. But so you're removing some investment, and you're adding new ones because they're not performing.\n\nChannel 0: Correct.\n\nChannel 1: Sorry. Just in layman's terms. Yeah. Okay. And the other ones are not, like, they'll perform better.\n\nChannel 0: We believe so. We do have much better track records for these over the\n\nChannel 1: Okay.\n\nChannel 0: last few years, and we believe going forward, they should perform much better as\n\nChannel 1: Like, worst case scenario if all of them get bumped up. I\n\nChannel 0: well.\n\nChannel 1: mean, is that even possible? I can definitely say.\n\nChannel 0: Oh, yeah. So let's say,\n\nChannel 1: Sure.\n\nChannel 0: worst case scenario is we have another, like, global financial crisis.\n\nChannel 1: Yep.\n\nChannel 0: There is a scenario where all of the ones that we count as a growth asset, which is, you know, shares, property, and gold. Actually, if you could just go down to page 19 for me and you can\n\nChannel 1: Yep.\n\nChannel 0: see that colored pie chart, can you see the\n\nChannel 1: Yep.\n\nChannel 0: different, like,\n\nChannel 1: Yep.\n\nChannel 0: pie segments?\n\nChannel 1: Yep.\n\nChannel 0: So if we look at the right half of that portfolio,\n\nChannel 1: Yep.\n\nChannel 0: you've got the light blue and the orange. That's your Australian international shares. If\n\nChannel 1: Yes.\n\nChannel 0: the entire world went down, that\n\nChannel 1: Yep.\n\nChannel 0: half is what would be affected there.\n\nChannel 1: Okay.\n\nChannel 0: The gray portion is like gold, and then\n\nChannel 1: Yep.\n\nChannel 0: cash is your yellow, and then blue\n\nChannel 1: Yep.\n\nChannel 0: is like your term deposits and bonds and things like that. So there is a scenario where, say, two thirds of your portfolio starts to go down, and then you would have that negative year where you may be down 15% if the world exploded. That\n\nChannel 1: Yep.\n\nChannel 0: is something that happens possibly once every decade or so that we do factor in.\n\nChannel 1: And so so just so basically so that Australian shares international shares would take away half, did you still have money?\n\nChannel 0: Yeah. Yeah. So the only way that that half goes down to zero is if every single company in Australia and The US disappeared off the face of the planet forever and\n\nChannel 1: Yep. Okay.\n\nChannel 0: they all went to zero and the government didn't help Microsoft or Commonwealth Bank or anyone, that's pretty much like Mad Max nuclear bombs\n\nChannel 1: Yeah.\n\nChannel 0: going off\n\nChannel 1: Yeah.\n\nChannel 0: at that point if all the companies just disappeared off the face of the planet.\n\nChannel 1: Yeah. Okay. So say the figure\n\nChannel 0: I can't\n\nChannel 1: that I\n\nChannel 0: protect\n\nChannel 1: have\n\nChannel 0: you\n\nChannel 1: in my\n\nChannel 0: from that.\n\nChannel 1: sorry.\n\nChannel 0: You're okay?\n\nChannel 1: You're\n\nChannel 0: Go\n\nChannel 1: there?\n\nChannel 0: for it.\n\nChannel 1: Oh, so say like, if I went on to start going to my hub account and I see what my super balance is now, like, how would that affect that balance roughly?\n\nChannel 0: Right. So I will just quickly log in to your account. Actually, I'll just go off the figures that are in the document. That will be a little bit easier. So if I go to the balance that we base this on, let's say you're sitting at 240\n\nChannel 1: Yep.\n\nChannel 0: thousand in your super, and we had that other financial crisis, it could be sitting at 180,000 or something like\n\nChannel 1: Okay.\n\nChannel 0: that. That would then be a period of kind of letting it grow back up again. Like, for\n\nChannel 1: Yeah.\n\nChannel 0: example, let's say you have 10 properties and all of those properties went down a $100,000 each, you would kind of not rush off to sell them. You would just give it a few years for those properties\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: Yes.\n\nChannel 0: get back\n\nChannel 1: Of course.\n\nChannel 0: up,\n\nChannel 1: Yes.\n\nChannel 0: and we would\n\nChannel 1: Yes.\n\nChannel 0: use your contributions to buy a few more. Then\n\nChannel 1: Yep.\n\nChannel 0: it should all grow over three to five years, and you'll be back up to, you know, 300,000 or\n\nChannel 1: Yeah. Okay.\n\nChannel 0: above.\n\nChannel 1: Cool. Sorry.\n\nChannel 0: As you get\n\nChannel 1: I know\n\nChannel 0: closer\n\nChannel 1: it's it's\n\nChannel 0: to retirement,\n\nChannel 1: stupid questions, but I I just have to get my\n\nChannel 0: no.\n\nChannel 1: knees around.\n\nChannel 0: They are not stupid\n\nChannel 1: Yep.\n\nChannel 0: at all. Risk is a very important thing because as you get closer to retirement, like, this is your money that you're gonna be living off, and\n\nChannel 1: Exactly.\n\nChannel 0: it's all fun and games when you're 30 years old with $50 in super. When you've got hundreds of thousands in play and\n\nChannel 1: Yes.\n\nChannel 0: watching it go up and down to 50,000, it's not as comfortable.\n\nChannel 1: No.\n\nChannel 0: Just bear in mind that we do expect there to be that one or two years of the world blowing up over\n\nChannel 1: Yes.\n\nChannel 0: that decade, which\n\nChannel 1: Yep.\n\nChannel 0: we'll still aim for those goals even with that mixed in.\n\nChannel 1: Mhmm.\n\nChannel 0: The second thing that we do is in those last five to seven years, we're gonna slowly reduce your risk level down so that instead\n\nChannel 1: Okay.\n\nChannel 0: of having\n\nChannel 1: That's what I\n\nChannel 0: 50\n\nChannel 1: was just\n\nChannel 0: percent\n\nChannel 1: gonna ask.\n\nChannel 0: in the share market, you'll go to forty and thirty and twenty and then\n\nChannel 1: Yep.\n\nChannel 0: retire\n\nChannel 1: Yes.\n\nChannel 0: with something nice and safe.\n\nChannel 1: Yes. I was gonna say that, like, if it if the if the customer chose, for example, say, actually, can I not can I only do 50% of what I'm doing? So\n\nChannel 0: Correct.\n\nChannel 1: in that way, kind of ensuring they still got 50%.\n\nChannel 0: So,\n\nChannel 1: And\n\nChannel 0: yeah,\n\nChannel 1: that can\n\nChannel 0: when\n\nChannel 1: kind\n\nChannel 0: we\n\nChannel 1: of be\n\nChannel 0: do\n\nChannel 1: done\n\nChannel 0: a\n\nChannel 1: anytime.\n\nChannel 0: review,\n\nChannel 1: Yep.\n\nChannel 0: you would pretty much say, hey. Look. If the balanced risk profile is 60% growth assets, we may bump you down to a moderate the next year with only 50%. And then\n\nChannel 1: Yep.\n\nChannel 0: when you retire, we could put you in typically, for pension phase, you have about 40% in growth\n\nChannel 1: Yes.\n\nChannel 0: assets\n\nChannel 1: Okay.\n\nChannel 0: still just to make\n\nChannel 1: Okay.\n\nChannel 0: sure you're\n\nChannel 1: You can\n\nChannel 0: topping\n\nChannel 1: ask\n\nChannel 0: up\n\nChannel 1: anytime\n\nChannel 0: what you're\n\nChannel 1: and\n\nChannel 0: pouring\n\nChannel 1: you can\n\nChannel 0: out.\n\nChannel 1: still do that.\n\nChannel 0: Yeah. Yeah. We can I mean,\n\nChannel 1: Okay.\n\nChannel 0: I've got\n\nChannel 1: The\n\nChannel 0: some\n\nChannel 1: money's\n\nChannel 0: clients\n\nChannel 1: fully\n\nChannel 0: in retirement\n\nChannel 1: vested.\n\nChannel 0: who are aggressive, But, yeah, still invested, but just conservatively in\n\nChannel 1: Yeah.\n\nChannel 0: something\n\nChannel 1: Of course.\n\nChannel 0: that's more like maybe a\n\nChannel 1: Low\n\nChannel 0: third of\n\nChannel 1: risk.\n\nChannel 0: it is in the market,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: the rest\n\nChannel 1: Okay.\n\nChannel 0: of it is in, like, term deposits and safer items?\n\nChannel 1: Okay.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Fantastic.\n\nChannel 1: Yep.\n\nChannel 0: Moving on to the next strategy, you'll just see\n\nChannel 1: Mhmm.\n\nChannel 0: to be honest, this is just a bit of information on contributions. It'll move into salary\n\nChannel 1: Uh-huh.\n\nChannel 0: sacrifice. What that should do is your take home pay, which essentially, if we minus them off of each other, if you put $60 a week into your super through work, it'll probably $45 a week in your\n\nChannel 1: Yeah.\n\nChannel 0: take home\n\nChannel 1: Yeah.\n\nChannel 0: pay.\n\nChannel 1: I remember you saying that. Yes.\n\nChannel 0: So what I'll do, I'll give you a little bit of an exact.\n\nChannel 1: Yeah.\n\nChannel 0: If yeah. So if you put 60 in, you should lose about $41 in your pay.\n\nChannel 1: Okay.\n\nChannel 0: So just for budgeting purposes.\n\nChannel 1: Yeah. Because in the hand, I'm kinda still getting $20.41 dollars short as opposed to $60 short.\n\nChannel 0: Correct. And that\n\nChannel 1: Yep.\n\nChannel 0: that difference goes into the super where it still is taxed at 15%, but there is\n\nChannel 1: Yeah.\n\nChannel 0: that nice tax difference for you, and\n\nChannel 1: Yeah.\n\nChannel 0: that'll boost things up quite nicely.\n\nChannel 1: Okay. So that was his table easier.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Now the one really, really important thing I have to run by you, if\n\nChannel 1: Yes.\n\nChannel 0: there's no questions on the contributions, which obviously just do that through work, we\n\nChannel 1: Yes.\n\nChannel 0: can send you a letter with the information if that helps your payroll, if they're not too comfortable adding that in. But I was just wanting to talk to you about the insurances as well.\n\nChannel 1: Mhmm.\n\nChannel 0: So can you go down to page 23 for me? You should\n\nChannel 1: Yep.\n\nChannel 0: see some blue tables about insurance replacements.\n\nChannel 1: Yes. Got it.\n\nChannel 0: So I did find we we had to call around regarding the health side of things.\n\nChannel 1: Yeah.\n\nChannel 0: Cleave, you said that it's possible to remove the loading, which is increasing your price by 50%. If you were to have, like, a biopsy done, which was quite extreme in terms of steps that you would have to take. Now I found a provider called AIA, which is also one of the top six.\n\nChannel 1: Yep.\n\nChannel 0: They were offering it for that kind of 4,500 price, and they said that they wouldn't apply a loading if there was I'll I'll read it out exactly. Because I remember you saying the health had improved and everything, and that was looking a lot better. So what they would basically do through the application is they would send off for a doctor's report just to see the most recent liver function test and doctor's report combined. And if those are looking pretty stable and pretty good, they would offer it without that 50% loading of price.\n\nChannel 1: Okay. So do what do I do?\n\nChannel 0: So what I'm wondering\n\nChannel 1: I'm\n\nChannel 0: is\n\nChannel 1: actually seeing\n\nChannel 0: either\n\nChannel 1: I'm seeing I see so I used to see him six months, and now I see him annually, and I'm due to see\n\nChannel 0: yep.\n\nChannel 1: him at the beginning of November. So\n\nChannel 0: Okay.\n\nChannel 1: what do I ask?\n\nChannel 0: Well, basically, if you're comfortable, what I would like to do is either way, though, either insurer is gonna have to request a doctor's report. So what I would do is I would like to replace ClearView with AIA, and\n\nChannel 1: Yeah.\n\nChannel 0: I would book you in for an insurance application for October. If we send through that application, they will send a request to the doctor. And then when\n\nChannel 1: Yeah.\n\nChannel 0: you see them in November, you just have to follow them up and say, hey. Have you sent that report through for the insurance company? And that\n\nChannel 1: Okay.\n\nChannel 0: will speed things up.\n\nChannel 1: Okay.\n\nChannel 0: K. So if you're comfortable with this, what I would do is book you in when you're available in October just to go through that kind of twenty minute discussion\n\nChannel 1: Yep.\n\nChannel 0: to put in an application to AIA.\n\nChannel 1: Yeah.\n\nChannel 0: And then once that comes through, hopefully, that doctor's report gets sorted in November.\n\nChannel 1: Yeah.\n\nChannel 0: They should let us know if it comes through okay. If they give\n\nChannel 1: Mhmm.\n\nChannel 0: us the good terms and the good price, then we're okay to cancel the Clearview policy, and you should be\n\nChannel 1: Okay.\n\nChannel 0: pretty cool.\n\nChannel 1: For now, we'll choose\n\nChannel 0: If\n\nChannel 1: the\n\nChannel 0: there's\n\nChannel 1: clear\n\nChannel 0: any\n\nChannel 1: view.\n\nChannel 0: issues yeah. We keep we always keep it until the new one's in place.\n\nChannel 1: Yes.\n\nChannel 0: And\n\nChannel 1: Okay.\n\nChannel 0: if there's an issue that comes back from AIA, I'll\n\nChannel 1: Uh-huh.\n\nChannel 0: jump on the phone to you and talk you through the options on what we do.\n\nChannel 1: So you call me in October to go through the insurance?\n\nChannel 0: Yeah. So I was wondering if you did know what your availability was like because the month's about to switch in a couple of days. I can get you booked in now, or I can just get the team to give you a call later this week to to sort of looking out.\n\nChannel 1: On a Tuesdays are usually good for me.\n\nChannel 0: Yep.\n\nChannel 1: To be safe maybe at, like so if it's 4PM here, it'll be 3PM up there. Yeah?\n\nChannel 0: Yeah. Because we're about to switch to daylight savings\n\nChannel 1: Yes.\n\nChannel 0: next week, I believe.\n\nChannel 1: Yeah. So, basically, I can do it on the sixth, the thirteenth, the twentieth. Yep. September 7. Yeah.\n\nAny any Tuesday in October. And I think to be safe, just make it 4PM.\n\nChannel 0: New South Wales time?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. So what I can do is I'll put in a bit of a booking spot for\n\nChannel 1: Yep.\n\nChannel 0: 4PM your time on those three Tuesdays, and then I'll just get Maddie to give you a call to run through the application. And then hopefully, you catch each other. If not, she'll try again the following week. How's\n\nChannel 1: Oh, okay. So do I put a date in my calendar\n\nChannel 0: sound? I we\n\nChannel 1: or\n\nChannel 0: can do if that's\n\nChannel 1: not?\n\nChannel 0: easier for you, or\n\nChannel 1: Oh,\n\nChannel 0: I can just get them to try\n\nChannel 1: no.\n\nChannel 0: it. But\n\nChannel 1: You\n\nChannel 0: I would\n\nChannel 1: you Maddie can call me and give me a date. Whatever's gonna suit you, then I'm fine. As long as it's like yeah. Around\n\nChannel 0: perfect.\n\nChannel 1: 4PM. Any of those Tuesdays. Well, next week is only a week away, so I'm assuming probably later in October.\n\nChannel 0: I mean, we can actually do next Tuesday if that works for you.\n\nChannel 1: Yeah. Whatever. I'm easy. Sorry. I'm just double\n\nChannel 0: Cool.\n\nChannel 1: checking.\n\nChannel 0: No. You're alright. That's that's better to be safe than sorry. So I'll put one\n\nChannel 1: Yes.\n\nChannel 0: in for\n\nChannel 1: I\n\nChannel 0: for\n\nChannel 1: see\n\nChannel 0: next\n\nChannel 1: I see the doctor on the November 4.\n\nChannel 0: Tuesday. Yes. That should give us\n\nChannel 1: Yep.\n\nChannel 0: just enough time.\n\nChannel 1: Okay.\n\nChannel 0: I'll do 4PM New South Wales time for and we we call it a personal statement, which is where you do,\n\nChannel 1: Yes.\n\nChannel 0: like, the health and occupation questions. We will prefill it with everything that you used when we set up Clearview, but they'll still\n\nChannel 1: Yes. Yes.\n\nChannel 0: have to run by and see if there's been any health changes and some updated information. So\n\nChannel 1: Of course.\n\nChannel 0: if everything's pretty much a no besides that, it skips through quite quickly. If there are a lot of yes, this condition, yes, that condition, there's\n\nChannel 1: Yes.\n\nChannel 0: always those\n\nChannel 1: Yes.\n\nChannel 0: extra questions about when did\n\nChannel 1: Of\n\nChannel 0: it\n\nChannel 1: course.\n\nChannel 0: happen, who did you see, what medications, all that kind of of\n\nChannel 1: Now it's still just it's exactly the same stuff, but I'm doing just the usual.\n\nChannel 0: thing. Perfect. Alright. So I'll put that in for 4PM New South Wales next Tuesday the sixth.\n\nChannel 1: Mhmm.\n\nChannel 0: And what I'll do is I'll get a bit of a text message reminder a couple of hours prior as well.\n\nChannel 1: Oh, that'd be great. Thank you so much.\n\nChannel 0: Easy. Alright. So just to kind of cap things off, Lima, we've got just gonna send off that invitation to the team. So, basically, that's the advice that we're doing. Update the portfolio, add the contributions, sort out the insurances.\n\nThere is a little bit towards the bottom of the document where we talk about if we are putting in place AIA, we'll do a beneficiary nomination for that new life insurance policy, which I believe you had split between your spouse and two children, $5,025.25.\n\nChannel 1: Yes. That's right.\n\nChannel 0: Cool. So we'll make sure that reflects on hub and the new policy once it's in force. There's a few reminders about wills and powers of attorney. Please bear in mind as well that anytime we we establish an insurance policy through any of these providers, be it Clearview, AIA, TAL, whoever,\n\nChannel 1: Yep.\n\nChannel 0: we do get paid 66% of the first year's premium from them to us for the establishment and then 22% ongoing to manage it, alter the policies, and help with claims assistance and claims\n\nChannel 1: And is\n\nChannel 0: advice.\n\nChannel 1: that included in the policy price?\n\nChannel 0: Yes.\n\nChannel 1: Okay. So they're on top of it. Okay.\n\nChannel 0: Not on top and not paid personally. It's always factored into the price already.\n\nChannel 1: Yep. So on page 26, which shows the current is the insurance premium that I'm paying now on page 26.\n\nChannel 0: Yep.\n\nChannel 1: So the premium is 6,000. So when it says five year impact, that means it's five years. That's what super it might be.\n\nChannel 0: Oh, yes. That's right. So that's what the\n\nChannel 1: Okay.\n\nChannel 0: super might be with the current premiums versus\n\nChannel 1: Yeah.\n\nChannel 0: the lower premiums versus no\n\nChannel 1: Okay.\n\nChannel 0: premiums at all\n\nChannel 1: Okay.\n\nChannel 0: to show you the impact that that has on the super.\n\nChannel 1: Okay. Alright. Just just understanding exactly what it is. Alright. No\n\nChannel 0: Oh,\n\nChannel 1: worries.\n\nChannel 0: absolutely.\n\nChannel 1: That sounds good. Yeah.\n\nChannel 0: This does\n\nChannel 1: Okay.\n\nChannel 0: factor in all the super recommendations, so this is just\n\nChannel 1: Mhmm.\n\nChannel 0: purely what are the premiums doing to the balance.\n\nChannel 1: Mhmm.\n\nChannel 0: Cool. And that's pretty much it. So from here, if you're comfortable with all of this, the bottom of this document, the second last page has the authority to proceed.\n\nChannel 1: Yep.\n\nChannel 0: We've\n\nChannel 1: I\n\nChannel 0: got\n\nChannel 1: still haven't done a will.\n\nChannel 0: no. That's okay. Here's your yearly reminder from us.\n\nChannel 1: Yep. So what\n\nChannel 0: If you're comfortable with that, basically,\n\nChannel 1: do\n\nChannel 0: there's a a begin button\n\nChannel 1: I\n\nChannel 0: that'll either pull you down to sign\n\nChannel 1: do\n\nChannel 0: or you can just scroll down to\n\nChannel 1: now?\n\nChannel 0: that second last page.\n\nChannel 1: Okay. Do I sign in the small box?\n\nChannel 0: So\n\nChannel 1: Would\n\nChannel 0: there\n\nChannel 1: I sign\n\nChannel 0: is\n\nChannel 1: in the big box?\n\nChannel 0: the big box is just if you don't wanna go ahead with one of one of the recommendations, you can actually write in the difference that you would like to make. If you are comfortable with everything, you could just skip the big box and just put in the signature box, the small one, and the date box next to it. Once that one's done, there should be a button saying next document. That's okay. I'll keep an eye on my end.\n\nChannel 1: So we're sorry. Next.\n\nChannel 0: Yeah. So once all the mandatory signatures are in on that page, there\n\nChannel 1: Is\n\nChannel 0: should\n\nChannel 1: it\n\nChannel 0: be\n\nChannel 1: only\n\nChannel 0: a button\n\nChannel 1: one\n\nChannel 0: saying\n\nChannel 1: technician?\n\nChannel 0: next document.\n\nChannel 1: Next document.\n\nChannel 0: Yep.\n\nChannel 1: Okay. Got it.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: And then that's basically the appendix with the extra research on there, and you should be able to just hit next document again. And you should then see the red AIA quote,\n\nChannel 1: Yep.\n\nChannel 0: which\n\nChannel 1: Oh, okay.\n\nChannel 0: on\n\nChannel 1: So you've done one already.\n\nChannel 0: yep. This is\n\nChannel 1: Okay.\n\nChannel 0: just\n\nChannel 1: Yep.\n\nChannel 0: a a\n\nChannel 1: Oh,\n\nChannel 0: quote\n\nChannel 1: shoot.\n\nChannel 0: for the recommendation. If you go to the second page, there's a signature and date spot on that one.\n\nChannel 1: Yep. Got it.\n\nChannel 0: Then, basically, there will be a next document, which would just be your certificate of currency for the current insurance.\n\nChannel 1: Yep. And premium time. You want\n\nChannel 0: Yeah.\n\nChannel 1: the next\n\nChannel 0: Yep. And\n\nChannel 1: document?\n\nChannel 0: then the last document\n\nChannel 1: Yes.\n\nChannel 0: when you hit next document should be that kind of pinky purple clear view just showing you what your current insurances are.\n\nChannel 1: Uh-huh.\n\nChannel 0: And it should just end there with a validate button to send all of that through back to us.\n\nChannel 1: Okay. And then I get a copy of all this anyway, don't I?\n\nChannel 0: Correct. There's usually a button to download a copy, but they do email you a signed copy as well, of course.\n\nChannel 1: Okay.\n\nChannel 0: And because the intent's running a bit slow, when you hit validate, it'll probably spin that circle for a little while, but it has actually come through signed to me already.\n\nChannel 1: Yes. Okay. And I've downloaded it as well.\n\nChannel 0: Yep.\n\nChannel 1: Well, hope hopefully, I've downloaded it.\n\nChannel 0: Oh, if you can't download it, they'll email you\n\nChannel 1: Oh,\n\nChannel 0: a\n\nChannel 1: I\n\nChannel 0: copy,\n\nChannel 1: pre download\n\nChannel 0: and we\n\nChannel 1: it.\n\nChannel 0: can\n\nChannel 1: I\n\nChannel 0: always\n\nChannel 1: pre\n\nChannel 0: send it\n\nChannel 1: download\n\nChannel 0: to you as\n\nChannel 1: it,\n\nChannel 0: well.\n\nChannel 1: so you should have that now.\n\nChannel 0: Awesome. Thank you so much for that. That's come through perfectly. Alright. How are you going on the systems there?\n\nIs it all kind of loaded and okay on your end?\n\nChannel 1: Yeah. I think so.\n\nChannel 0: Perfect. Basically, from here, we'll go through that application with you next Tuesday at four\n\nChannel 1: Yes.\n\nChannel 0: o'clock your time. And then\n\nChannel 1: Okay.\n\nChannel 0: like I said, when you go to the doctors, they'll probably have an outstanding email from the insurer saying, can you give us a report? If you can give\n\nChannel 1: Yeah.\n\nChannel 0: them a little nudge, that'll speed things up a little\n\nChannel 1: Yes.\n\nChannel 0: bit.\n\nChannel 1: So yeah. So they have the doctor's information.\n\nChannel 0: We will include that in the application. So when they run through\n\nChannel 1: Okay.\n\nChannel 0: all the questions with\n\nChannel 1: Yes?\n\nChannel 0: you, you just gotta say which\n\nChannel 1: Okay.\n\nChannel 0: doctor or which\n\nChannel 1: Alright.\n\nChannel 0: clinic, and then\n\nChannel 1: Yep.\n\nChannel 0: they can send a they call it, like, a MediBridge request\n\nChannel 1: Yeah. So that'll\n\nChannel 0: through\n\nChannel 1: be the\n\nChannel 0: a specific\n\nChannel 1: yeah.\n\nChannel 0: system.\n\nChannel 1: Yeah.\n\nChannel 0: Awesome.\n\nChannel 1: Okay. Awesome. Alright.\n\nChannel 0: Alrighty. Any questions for me?\n\nChannel 1: No. I think I asked\n\nChannel 0: Of\n\nChannel 1: you all the questions. I can always\n\nChannel 0: course.\n\nChannel 1: just call up if I need to speak to you.\n\nChannel 0: Of course. Of course.\n\nChannel 1: Yeah.\n\nChannel 0: I do have a few bookings every now and then, but the team can answer most questions.\n\nChannel 1: Oh,\n\nChannel 0: And if\n\nChannel 1: yeah.\n\nChannel 0: not,\n\nChannel 1: Exactly.\n\nChannel 0: they'll do it\n\nChannel 1: Exactly.\n\nChannel 0: with me.\n\nChannel 1: Yes. I know. I have a really good one when I called. Yeah.\n\nChannel 0: The only thing I will just mention is because this is part that I forget quite often, so I do apologize. We do have your ID on file valid until 2028. So what\n\nChannel 1: Mhmm.\n\nChannel 0: we essentially do is any applications, we will certify that and send that off to the product provider. Once we get to December 2028, we'll probably have to get a updated copy of the license. That's\n\nChannel 1: Oh, let me just I don't even know, by the way.\n\nChannel 0: all.\n\nChannel 1: Jesus. Oh,\n\nChannel 0: It's\n\nChannel 1: yeah.\n\nChannel 0: still valid for a couple of years, so\n\nChannel 1: Yes.\n\nChannel 0: we should be good\n\nChannel 1: Yes.\n\nChannel 0: for a while.\n\nChannel 1: The November 12. Okay. He just reminded me. Thank you very much.\n\nChannel 0: No worries at all.\n\nChannel 1: I can't wait to update that photo. It's terrible.\n\nChannel 0: Oh, me too. I'm I'm about due\n\nChannel 1: Oh\n\nChannel 0: in,\n\nChannel 1: my god.\n\nChannel 0: I\n\nChannel 1: I'm\n\nChannel 0: think,\n\nChannel 1: a little\n\nChannel 0: February,\n\nChannel 1: bad.\n\nChannel 0: and I'm dying to update it.\n\nChannel 1: Yes. I'm glad. I was I was wondering whether it was gonna be this year. Fantastic. Oh, no.\n\nNo. That was expired. When is it? 2028. On\n\nChannel 0: Yeah.\n\nChannel 1: a '2\n\nChannel 0: It's a\n\nChannel 1: more\n\nChannel 0: while\n\nChannel 1: years of\n\nChannel 0: away.\n\nChannel 1: sorry. Two more years of torture. Okay.\n\nChannel 0: Awesome,\n\nChannel 1: Thank\n\nChannel 0: Helena.\n\nChannel 1: you\n\nChannel 0: Thank\n\nChannel 1: so much.\n\nChannel 0: you so much for your time today.\n\nChannel 1: Yes. You there?\n\nChannel 0: Yeah. I'm still here. Sorry. Just cut out for a second\n\nChannel 1: No.\n\nChannel 0: there.\n\nChannel 1: That's okay. Because I'm just I'm just getting out of the car now because I'm finished off my shopping.\n\nChannel 0: Oh, beautiful. We did the old switcheroo.\n\nChannel 1: I had it in my driveway, but I didn't get a reminder, I think. So I think I was just, like, trying timing everything, and then I left and it's completely completely forgot. And you called me at, like, the most perfect time. I was just walking into the sliding door, and I was like, okay. I'll just go back to the car.\n\nChannel 0: Oh, perfect. I do\n\nChannel 1: Yeah.\n\nChannel 0: apologize.\n\nChannel 1: So it's\n\nChannel 0: We\n\nChannel 1: good.\n\nChannel 0: had a bit of\n\nChannel 1: No. It's fine.\n\nChannel 0: a play\n\nChannel 1: Because\n\nChannel 0: up\n\nChannel 1: otherwise,\n\nChannel 0: with the system\n\nChannel 1: I just\n\nChannel 0: for\n\nChannel 1: I'd\n\nChannel 0: the\n\nChannel 1: have\n\nChannel 0: messages.\n\nChannel 1: to wait a whole another week before I could talk to you. So it looked out well.\n\nChannel 0: Yeah. Fantastic.\n\nChannel 1: Awesome. Alright. Thank you so much,\n\nChannel 0: Thanks, Salima.\n\nChannel 1: and we'll\n\nChannel 0: We'll\n\nChannel 1: speak\n\nChannel 0: talk to\n\nChannel 1: next\n\nChannel 0: you on\n\nChannel 1: week.\n\nChannel 0: Tuesday.\n\nChannel 1: Okay. Thank you. Have a good day. Bye.\n\nChannel 0: You too. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.029662813991308212}],"sentiment":"neutral","sentiment_score":0.029662813991308212,"channel":1,"num_words":1,"start":0.48,"end":0.98},{"sentences":[{"text":"Good afternoon, Halima.","start":2.24,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.2701910932858785},{"text":"It's Tommy here from Oakview.","start":3.4399998,"end":4.64,"sentiment":"neutral","sentiment_score":0.17778483033180237},{"text":"How are you doing?","start":4.64,"end":5.46,"sentiment":"neutral","sentiment_score":0.1681285724043846}],"sentiment":"neutral","sentiment_score":0.19766764342784882,"channel":0,"num_words":12,"start":2.24,"end":5.46},{"sentences":[{"text":"Hi, Tommy.","start":5.2,"end":5.92,"sentiment":"neutral","sentiment_score":0.19691510498523712},{"text":"How are you?","start":5.92,"end":6.66,"sentiment":"neutral","sentiment_score":0.20432480672995249}],"sentiment":"neutral","sentiment_score":0.20136092603206635,"channel":1,"num_words":5,"start":5.2,"end":6.66},{"sentences":[{"text":"I'm doing fantastic.","start":6.8799996,"end":7.715,"sentiment":"positive","sentiment_score":0.7175033887227377},{"text":"How are you?","start":7.715,"end":8.74,"sentiment":"positive","sentiment_score":0.46843313177426654}],"sentiment":"positive","sentiment_score":0.5929682602485021,"channel":0,"num_words":6,"start":6.8799996,"end":8.74},{"sentences":[{"text":"I'm good.","start":8.8,"end":9.28,"sentiment":"positive","sentiment_score":0.3467915654182434},{"text":"Thank you.","start":9.28,"end":9.679999,"sentiment":"positive","sentiment_score":0.40131884813308716},{"text":"You're not the one that went on maternity leave, are you?","start":9.679999,"end":12.0199995,"sentiment":"neutral","sentiment_score":-0.02791546606882052},{"text":"Paternatively.","start":12.16,"end":12.66,"sentiment":"neutral","sentiment_score":0.021348081529140472}],"sentiment":"neutral","sentiment_score":0.07565617386717349,"channel":1,"num_words":16,"start":8.8,"end":12.66},{"sentences":[{"text":"Yes.","start":12.4,"end":12.765,"sentiment":"neutral","sentiment_score":0.03324023261666298}],"sentiment":"neutral","sentiment_score":0.03324023261666298,"channel":0,"num_words":1,"start":12.4,"end":12.765},{"sentences":[{"text":"Yes.","start":13.04,"end":13.28,"sentiment":"neutral","sentiment_score":0.052546873688697815},{"text":"How was","start":13.28,"end":13.679999,"sentiment":"neutral","sentiment_score":0.06303951144218445}],"sentiment":"neutral","sentiment_score":0.05954196552435557,"channel":1,"num_words":3,"start":13.04,"end":13.679999},{"sentences":[{"text":"I","start":13.645,"end":13.725,"sentiment":"neutral","sentiment_score":0.06482547521591187}],"sentiment":"neutral","sentiment_score":0.06482547521591187,"channel":0,"num_words":1,"start":13.645,"end":13.725},{"sentences":[{"text":"it?","start":13.679999,"end":14.179999,"sentiment":"neutral","sentiment_score":0.07371896505355835}],"sentiment":"neutral","sentiment_score":0.07371896505355835,"channel":1,"num_words":1,"start":13.679999,"end":14.179999},{"sentences":[{"text":"am.","start":13.725,"end":14.225,"sentiment":"neutral","sentiment_score":0.13892921805381775},{"text":"That was fantastic.","start":14.445001,"end":15.425,"sentiment":"positive","sentiment_score":0.5821448763211569},{"text":"The","start":15.645,"end":15.885,"sentiment":"neutral","sentiment_score":0.09418068826198578}],"sentiment":"positive","sentiment_score":0.3959089070558548,"channel":0,"num_words":5,"start":13.725,"end":15.885},{"sentences":[{"text":"Oh, that went fast.","start":15.925,"end":16.885,"sentiment":"neutral","sentiment_score":0.04331614589318633},{"text":"So it didn't go fast?","start":16.885,"end":18.105,"sentiment":"neutral","sentiment_score":-0.05224645584821701}],"sentiment":"neutral","sentiment_score":-0.009774188407593302,"channel":1,"num_words":9,"start":15.925,"end":18.105},{"sentences":[{"text":"oh, yeah.","start":18.525,"end":19.085,"sentiment":"neutral","sentiment_score":-0.0400739423930645},{"text":"I only I was only off for a couple of weeks and then a bit of","start":19.085,"end":21.885,"sentiment":"neutral","sentiment_score":-0.0498802998336032}],"sentiment":"neutral","sentiment_score":-0.04879070456243224,"channel":0,"num_words":18,"start":18.525,"end":21.885},{"sentences":[{"text":"Okay.","start":21.845,"end":22.345,"sentiment":"neutral","sentiment_score":-0.022425349801778793}],"sentiment":"neutral","sentiment_score":-0.022425349801778793,"channel":1,"num_words":1,"start":21.845,"end":22.345},{"sentences":[{"text":"a slow transition back.","start":21.885,"end":23.265,"sentiment":"neutral","sentiment_score":-0.03125649876892567},{"text":"My","start":23.565,"end":23.725,"sentiment":"neutral","sentiment_score":0.020020052790641785}],"sentiment":"neutral","sentiment_score":-0.021001188457012175,"channel":0,"num_words":5,"start":21.885,"end":23.725},{"sentences":[{"text":"Oh,","start":23.685,"end":24.165,"sentiment":"neutral","sentiment_score":0.06211739405989647}],"sentiment":"neutral","sentiment_score":0.06211739405989647,"channel":1,"num_words":1,"start":23.685,"end":24.165},{"sentences":[{"text":"wife did all","start":23.725,"end":24.285,"sentiment":"neutral","sentiment_score":0.11499427755673726}],"sentiment":"neutral","sentiment_score":0.11499427755673726,"channel":0,"num_words":3,"start":23.725,"end":24.285},{"sentences":[{"text":"okay.","start":24.165,"end":24.665,"sentiment":"neutral","sentiment_score":0.08181856572628021}],"sentiment":"neutral","sentiment_score":0.08181856572628021,"channel":1,"num_words":1,"start":24.165,"end":24.665},{"sentences":[{"text":"the heavy lifting,","start":24.285,"end":25.185001,"sentiment":"neutral","sentiment_score":0.043163105845451355}],"sentiment":"neutral","sentiment_score":0.043163105845451355,"channel":0,"num_words":3,"start":24.285,"end":25.185001},{"sentences":[{"text":"Yes.","start":25.365,"end":25.765,"sentiment":"neutral","sentiment_score":0.05381520837545395},{"text":"Of course.","start":25.765,"end":26.425,"sentiment":"neutral","sentiment_score":0.06624338775873184},{"text":"I","start":26.965,"end":27.125,"sentiment":"neutral","sentiment_score":0.03943904861807823}],"sentiment":"neutral","sentiment_score":0.056435258127748966,"channel":1,"num_words":4,"start":25.365,"end":27.125},{"sentences":[{"text":"But,","start":27.12,"end":27.36,"sentiment":"neutral","sentiment_score":0.04828087240457535}],"sentiment":"neutral","sentiment_score":0.04828087240457535,"channel":0,"num_words":1,"start":27.12,"end":27.36},{"sentences":[{"text":"would","start":27.125,"end":27.365,"sentiment":"neutral","sentiment_score":0.0402567982673645}],"sentiment":"neutral","sentiment_score":0.0402567982673645,"channel":1,"num_words":1,"start":27.125,"end":27.365},{"sentences":[{"text":"no,","start":27.36,"end":27.6,"sentiment":"neutral","sentiment_score":0.1088167279958725}],"sentiment":"neutral","sentiment_score":0.1088167279958725,"channel":0,"num_words":1,"start":27.36,"end":27.6},{"sentences":[{"text":"do.","start":27.365,"end":27.865,"sentiment":"neutral","sentiment_score":0.17611606419086456}],"sentiment":"neutral","sentiment_score":0.17611606419086456,"channel":1,"num_words":1,"start":27.365,"end":27.865},{"sentences":[{"text":"it went great.","start":27.6,"end":28.66,"sentiment":"positive","sentiment_score":0.6271707812945048},{"text":"My my two sons absolutely adore their baby sister.","start":29.12,"end":32.18,"sentiment":"positive","sentiment_score":0.6766960355970595},{"text":"And","start":32.48,"end":32.98,"sentiment":"positive","sentiment_score":0.4381064772605896}],"sentiment":"positive","sentiment_score":0.6469140878090491,"channel":0,"num_words":13,"start":27.6,"end":32.98},{"sentences":[{"text":"Oh, cute.","start":32.649998,"end":33.37,"sentiment":"positive","sentiment_score":0.44327305257320404},{"text":"Oh, wow.","start":33.37,"end":34.01,"sentiment":"neutral","sentiment_score":0.28761163353919983},{"text":"Three.","start":34.01,"end":34.51,"sentiment":"neutral","sentiment_score":0.32890668511390686},{"text":"Fantastic.","start":34.809998,"end":35.309998,"sentiment":"positive","sentiment_score":0.6116853952407837}],"sentiment":"positive","sentiment_score":0.4003935754299164,"channel":1,"num_words":6,"start":32.649998,"end":35.309998},{"sentences":[{"text":"Yep.","start":35.04,"end":35.52,"sentiment":"neutral","sentiment_score":0.32126861810684204},{"text":"We're finished now, and I I'm doing pretty well in the sleep.","start":36.0,"end":39.28,"sentiment":"positive","sentiment_score":0.39288987467686337},{"text":"So I hope I'm I'm sounding 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page.","start":569.22003,"end":574.34,"sentiment":"neutral","sentiment_score":0.028383370364705722},{"text":"It's a very small page with just one small table on it.","start":574.34,"end":577.155,"sentiment":"neutral","sentiment_score":-0.060750791958222784}],"sentiment":"neutral","sentiment_score":-0.010308185991431986,"channel":0,"num_words":28,"start":568.18,"end":577.155},{"sentences":[{"text":"Are you there?","start":580.07996,"end":580.74,"sentiment":"neutral","sentiment_score":-0.007239624857902527}],"sentiment":"neutral","sentiment_score":-0.007239624857902527,"channel":1,"num_words":3,"start":580.07996,"end":580.74},{"sentences":[{"text":"Yep.","start":581.23505,"end":581.55505,"sentiment":"neutral","sentiment_score":0.044039301574230194},{"text":"I can still hear you loud and 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too much to be said for the investments table, really just bumping things up across all periods.","start":600.54,"end":605.01996,"sentiment":"neutral","sentiment_score":0.11079829062024753},{"text":"That extra sort of 22% per annum will really","start":605.01996,"end":608.26495,"sentiment":"positive","sentiment_score":0.3450924853483836}],"sentiment":"neutral","sentiment_score":0.18889635552962622,"channel":0,"num_words":27,"start":600.54,"end":608.26495},{"sentences":[{"text":"Mhmm.","start":608.17,"end":608.67,"sentiment":"positive","sentiment_score":0.3454176187515259}],"sentiment":"positive","sentiment_score":0.3454176187515259,"channel":1,"num_words":1,"start":608.17,"end":608.67},{"sentences":[{"text":"get things on 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recommending","start":632.505,"end":633.30505,"sentiment":"neutral","sentiment_score":0.07835638026396434}],"sentiment":"neutral","sentiment_score":-0.18460058834817675,"channel":0,"num_words":27,"start":625.32,"end":633.30505},{"sentences":[{"text":"Yeah.","start":633.14,"end":633.46,"sentiment":"neutral","sentiment_score":0.05631456151604653}],"sentiment":"neutral","sentiment_score":0.05631456151604653,"channel":1,"num_words":1,"start":633.14,"end":633.46},{"sentences":[{"text":"to","start":633.30505,"end":633.465,"sentiment":"neutral","sentiment_score":-0.026572883129119873}],"sentiment":"neutral","sentiment_score":-0.026572883129119873,"channel":0,"num_words":1,"start":633.30505,"end":633.465},{"sentences":[{"text":"I","start":633.46,"end":633.62,"sentiment":"neutral","sentiment_score":0.0427631214261055}],"sentiment":"neutral","sentiment_score":0.0427631214261055,"channel":1,"num_words":1,"start":633.46,"end":633.62},{"sentences":[{"text":"update","start":633.465,"end":633.78503,"sentiment":"neutral","sentiment_score":-0.030215919017791748}],"sentiment":"neutral","sentiment_score":-0.030215919017791748,"channel":0,"num_words":1,"start":633.465,"end":633.78503},{"sentences":[{"text":"think 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discuss the retirement plan and portfolio review with Halima, emphasizing the importance of reducing risk levels for retirement plans and updating the portfolio. They also provide guidance on removing investment and fee inputs, adding new investments to the portfolio, and updating insurance coverage. The process is discussed, including filling out insurance applications, updating policies, and updating doctor's records. The agents provide instructions for updating policies and provide guidance on filling out necessary forms and updating policies."},"intents":{"segments":[{"text":"Have you still got about ten minutes for me today? Yes. Sure.","start_word":143,"end_word":154,"intents":[{"intent":"Schedule call with adviser","confidence_score":0.00397958}]},{"text":"So what we're focusing on for this document is basically reviewing the portfolio to fix up some of the underperforming investments. 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ETFs with our portfolios, and there's about 400 and Okay.","start_word":1072,"end_word":1096,"intents":[{"intent":"Explain interest rates","confidence_score":0.0026427566}]},{"text":"If I you would go but down anyway. Yeah? yeah.","start_word":1128,"end_word":1137,"intents":[{"intent":"Discuss plan allocation","confidence_score":0.0000057360717}]},{"text":"in two more pages, you should see a table with some colored numbers on it with essentially the the difference comparison for you.","start_word":1143,"end_word":1165,"intents":[{"intent":"Explain difference comparison","confidence_score":0.0733969},{"intent":"Explain projection table","confidence_score":0.014030193}]},{"text":"The So I'm contribution still better off? yes. 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What that should do is your take home pay, which essentially, if we minus them off of each other, if you put $60 a week into your super through work, it'll probably $45 a week in your take Yeah.","start_word":3175,"end_word":3241,"intents":[{"intent":"Educate about strategy","confidence_score":0.0006288146}]},{"text":"can send you a letter with the information if that helps your payroll, if they're not too comfortable adding that in. But I was just wanting to talk to you about the insurances as well. Mhmm.","start_word":3378,"end_word":3413,"intents":[{"intent":"Discuss payroll information","confidence_score":0.0010670248}]},{"text":"Well, basically, if you're comfortable, what I would like to do is either way, though, either insurer is gonna have to request a doctor's report.","start_word":3659,"end_word":3683,"intents":[{"intent":"Get a doctor's report","confidence_score":0.00023719456}]},{"text":"I would book you in for an insurance application for October. If we send through that application, they will send a request to the doctor. And then when Yeah.","start_word":3700,"end_word":3728,"intents":[{"intent":"Book insurance application","confidence_score":0.76413155}]},{"text":"So I was wondering if you did know what your availability was like because the month's about to switch in a couple of days. I can get you booked in now, or I can just get the team to give you a call later this week to to sort of looking out.","start_word":3919,"end_word":3970,"intents":[{"intent":"Check availability","confidence_score":0.036537725}]},{"text":"And I think to be safe, just make it 4PM. New South Wales time? Yes.","start_word":4035,"end_word":4049,"intents":[{"intent":"Schedule appointment","confidence_score":0.705952}]},{"text":"So just to kind of cap things off, Lima, we've got just gonna send off that invitation to the team.","start_word":4433,"end_word":4452,"intents":[{"intent":"Send invitation","confidence_score":0.32734463}]},{"text":"Update the portfolio, add the contributions, sort out the insurances.","start_word":4461,"end_word":4470,"intents":[{"intent":"Update portfolio","confidence_score":0.9577254}]},{"text":"So the premium is 6,000. So when it says five year impact, that means it's five years. That's what super it might be. Oh, yes. That's right. So that's what the Okay. super might be with the current premiums versus Yeah. the lower premiums versus no Okay. premiums at all Okay. to show you the impact that that has on the super. Okay.","start_word":4660,"end_word":4722,"intents":[{"intent":"Understand impact of premiums on super","confidence_score":0.0010418983}]},{"text":"purely what are the premiums doing to the balance.","start_word":4754,"end_word":4762,"intents":[{"intent":"Discuss premiums and authority","confidence_score":0.0003021784}]},{"text":"Do I sign in the small box? So Would there I sign is in the big box?","start_word":4849,"end_word":4865,"intents":[{"intent":"Check signatures and specific documents","confidence_score":4.8722157e-8}]},{"text":"And you should then see the red AIA quote, Yep. which Oh, okay.","start_word":5008,"end_word":5020,"intents":[{"intent":"Confirm aia quote","confidence_score":0.003206704}]},{"text":"when you hit next document should be that kind of pinky purple clear view just showing you what your current insurances are. Uh-huh. And it should just end there with a validate button to send all of that through back to us. Okay.","start_word":5098,"end_word":5140,"intents":[{"intent":"Guide insurance application","confidence_score":0.00017099477}]},{"text":"We do have your ID on file valid until 2028. So what Mhmm. we essentially do is any applications, we will certify that and send that off to the product provider. Once we get to December 2028, we'll probably have to get a updated copy of the license.","start_word":5519,"end_word":5566,"intents":[{"intent":"Get license updated","confidence_score":0.00013661872}]},{"text":"Once we get to December 2028, we'll probably have to get a updated copy of the license.","start_word":5550,"end_word":5566,"intents":[{"intent":"Update license","confidence_score":0.059236187}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon, Halima. It's Tommy here from Oakview. How are you doing? Hi, Tommy. How are you?","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.19704368710517883},{"text":"I'm doing fantastic. How are you? I'm good. Thank you.","start_word":18,"end_word":27,"sentiment":"positive","sentiment_score":0.5043609738349915},{"text":"You're not the one that went on maternity leave, are you? Paternatively. Yes. Yes. How was I it? am.","start_word":28,"end_word":46,"sentiment":"neutral","sentiment_score":0.01636173576116562},{"text":"That was fantastic.","start_word":47,"end_word":49,"sentiment":"positive","sentiment_score":0.5836024284362793},{"text":"The Oh, that went fast. So it didn't go fast? oh, yeah. I only I was only off for a couple of weeks and then a bit of Okay. a slow transition back. My Oh, wife did all okay. the heavy lifting, Yes. Of course. I But, would no, do.","start_word":50,"end_word":99,"sentiment":"neutral","sentiment_score":0.006063268985599279},{"text":"it went great. My my two sons absolutely adore their baby sister. And Oh, cute.","start_word":100,"end_word":114,"sentiment":"positive","sentiment_score":0.6172734498977661},{"text":"Oh, wow. Three.","start_word":115,"end_word":117,"sentiment":"neutral","sentiment_score":0.30435293912887573},{"text":"Fantastic.","start_word":118,"end_word":118,"sentiment":"positive","sentiment_score":0.6116853952407837},{"text":"Yep.","start_word":119,"end_word":119,"sentiment":"neutral","sentiment_score":0.32126861810684204},{"text":"We're finished now, and I I'm doing pretty well in the sleep.","start_word":120,"end_word":131,"sentiment":"positive","sentiment_score":0.3804417252540589},{"text":"So I hope I'm I'm sounding okay. Yes. You do. Perfect. Have you still got about ten minutes for me today? Yes. Sure. Perfect. So I've got this advice strategy to send through to your email. Will you be able to look onto the documents with me, or should I just give Yep. you a bit of a walk And walk just find the email. through? No worries. So that'll come Oh, we through sent it. now. Yep. Just while that's taking a moment, because there are a few attachments, I'm just gonna go through quick security check with you. Yep. If I could just grab your date of birth and address that we would have on file, please, Yep. Helena. 6 Of the first nineteen seventy two, Number 8 Yelverton Yep. Street, Sydney, New South Wales 2044. Sensational. Thank you. And I'm registered with adviser 1273105. Are you okay for the call to be recorded? Yes. Amazing. So that should come through, and it should be listed as a signature request for statement of advice. Okay. Yep. And then once you go in there, there's sorry. Go for it. Yep. Got it. There's attachments at the bottom. We can ignore those for now. It's basically all the product documents. And Yeah. if you can just hit into that sign button to open up the documents, you should see four in Yeah. there starting with your statement of advice. You should see beachfront Gold Coast picture as cover page for that Just taking a one. sec. I think my Internet is closed. I'm Yeah. not home. I'll give I it just a minute. yeah. That is Yeah. no It's worries no at work. all. So yeah. I don't know. Perfect. My son's used all the data, so data just becomes slower until, I think, two more days. Yep. Yep. Oh, no. So yeah. Okay. I all I can see is Oakview in my name. Oh, is it still kind of doing that thing where it just, like, ticks down and and slowly loads the picture? Or Oh, hang on. I think something's happening now. Yep. Got it.","start_word":132,"end_word":488,"sentiment":"neutral","sentiment_score":0.009831801056861876},{"text":"cool.","start_word":489,"end_word":489,"sentiment":"positive","sentiment_score":0.3725655674934387},{"text":"So Mhmm. if you can scroll through to that kind of third and fourth page where it has our scope of advice. Yep. So what we're focusing on for this document is basically reviewing the portfolio to fix up some of the underperforming investments. Mhmm. We we're gonna review the health information for the insurance and try and get the Yep. fees down. Yep. And, also, we just did a bit of a projection for adding an extra $60 a week to super just to show what a better salary sacrifice would do as Yes. well. I haven't done that yet. I still still gotta speak to the accountant about that. Yep. No worries at all. We're not giving any advice on the IAG shares or your debt management for, you know, caravans and and property and whatnot. It's Yep. really just around the super insurance review. Okay. Cool. Now if you can scroll through, page seven and eight has your details listed from our last conversation. Just, you know, income, email, phone, assets, and liabilities. Just making sure there's no major differences there. So what page is this? Sorry. On the document, it's seven and eight. On the digital system, it's eight and nine. Yep. And it should be listed about you, and then the page Eight. after that is assets and liabilities. Mhmm. Life on assets and liabilities. Yeah. We just Yep. got the Okay. home and the vehicle listed. Yep. Is that okay? Yep.","start_word":490,"end_word":736,"sentiment":"neutral","sentiment_score":0.041731117436519034},{"text":"Cool.","start_word":737,"end_word":737,"sentiment":"positive","sentiment_score":0.4972299337387085},{"text":"And then if you go down past there, we've got the Clearview insurance policy on the next page in a table. Yep. So we've got the the 500,000 worth of life and disability insurance with Clearview. Now the big issue that we've got Yes. was the loading that you have, which is pushing it up above 7,000. Yes. And then if you go down So what just is a that? little bit Sorry. Please note this is the 15% rebate amount allowed from what's that for? Sorry. Please note oh, so this whenever 15 there's percent an rebate expense it. inside super, you get a 15% sort of tax rebate for Yep. any Okay. fees or premiums. So that's after the 15% is in the table at the top, which is 6,083 is what actually comes out of the super. That comes out of super. Correct. And the 15% rebate of the 7,000 what was that? 7,157. Yeah. So if the the premium's 7,000, they will rebate 15% back and only take out the 6,000 Okay. for I the see. premium. Yep. Yep. Yep. Okay. Yep. That's the main thing that I wanted to kind of deal with today. Yeah.","start_word":738,"end_word":937,"sentiment":"neutral","sentiment_score":0.01944003440439701},{"text":"Yep. The portfolio side of things was actually pretty fun.","start_word":938,"end_word":947,"sentiment":"positive","sentiment_score":0.5166263580322266},{"text":"So I'll just go through, and you should see the next two pages just has your balanced risk profile there. Yeah. Question. Yep. The page after the pie chart, Yep. you'll see strategy recommendations for the super to begin with. Okay. So what we're doing here just briefly is updating a few investments within the portfolio.","start_word":948,"end_word":1003,"sentiment":"neutral","sentiment_score":0.1866244077682495},{"text":"We managed to get the fees down.","start_word":1004,"end_word":1010,"sentiment":"positive","sentiment_score":0.3380838632583618},{"text":"There's a little bit of capital gains tax to pay to switch it around, which we factored in, and Okay.","start_word":1011,"end_word":1030,"sentiment":"neutral","sentiment_score":0.21434229612350464},{"text":"just really boost up those returns for all periods, one, three, five, and ten years, which you should see.","start_word":1031,"end_word":1049,"sentiment":"positive","sentiment_score":0.33811599016189575},{"text":"There's another couple of pages of text here. I do apologize. Just talking about the advantages and disadvantages on the next page. We've got in terms of disadvantages, we always have the brokerage fees for purchasing Yep. ETFs with our portfolios, and there's about 400 and Okay. $17 of capital gains tax that the super will pay for switching investments. But we've managed to get the fees down about $3.55 a year just in the first year alone. If I you would go but down anyway. Yeah? yeah. So if you go Yeah. in two more pages, you should see a table with some colored numbers on it with essentially the the difference comparison for you. So You the should red is the red negative? see Mhmm. yeah. So, basically, $4.18 comes out for the capital gains tax when we switch the investments.","start_word":1050,"end_word":1192,"sentiment":"neutral","sentiment_score":0.013568977896983806},{"text":"You save $3.","start_word":1193,"end_word":1195,"sentiment":"positive","sentiment_score":0.3746030628681183},{"text":"55 on the investment fees, which is about 40% drop. The So I'm contribution still better off? yes. Okay. Especially because they're percentage based. So the Yep. bigger your balance grows, the more fee savings there are. Okay. There's also the inclusion of the salary sacrifice, and I'm possibly able to drop the insurance premiums by at least $1,600, and I've factored that in as well. Okay. That's the that's the one that's fixed now, and it's gonna be $4.04. Yep. Mhmm. The five year rolling average will get your returns back up to around about that 9% mark above benchmark. And combined, all of this in the table below it, we should be able to boost things up by about a 100,000 over the next So is that including my $60 a week? next ten years. Correct. This is all of the strategies mixed together, which is change the investments, lower the fees, lower the premiums, and put in the $60 a week. All of that Mhmm. combined goes into that projection table. So this so where it says current and recommended, what does that mean? So if we did none of these strategies or changes and we continue to pay the 6,000 and we kept the Benelon investments and we didn't put any extra in, you would Yep. probably hit around the $3.30 mark in Okay. ten years. And if we do Yep.","start_word":1195,"end_word":1429,"sentiment":"neutral","sentiment_score":0.16125883162021637},{"text":"all of these strategies, we should be able to push you above 400 Okay.","start_word":1430,"end_word":1443,"sentiment":"positive","sentiment_score":0.5763710141181946},{"text":"So if I do a 6 if I add the $60 a week and salary sacrifice and do and the premium gets dropped, Correct. Does the premium kind of in stay or does it keep going up? They keep going up. So It with keep h, going up? every Yep. every year, they will increase the premiums. So Okay. I have to keep a lid on those pretty pretty Okay. heavily. Okay. If you go past there, there'll be just a very small page of investment returns and then the investments table after that, which is quite Yep. a few figures. Hit I do start. apologize. Sorry. I've just had to turn my car. I'm sitting in the car. I'm just gonna turn the car on so I can charge my phone. So where are we now? Sorry? Okay. You should see after that projection table, there'll be investment returns on the next page. It's a very small page with just one small table on it. Are you there? Yep. I can still hear you loud and clear. So sorry. What page is that? On page sixteen and seventeen, we've got, like, an investment returns table and the investments Yes. Okay. table. Okay. Not too much to be said for the investments table, really just bumping things up across all periods.","start_word":1444,"end_word":1664,"sentiment":"neutral","sentiment_score":0.02214607410132885},{"text":"That extra sort of 22% per annum will really Mhmm. get things on track.","start_word":1665,"end_word":1678,"sentiment":"positive","sentiment_score":0.3465287685394287},{"text":"Mhmm. The investments table, can you see that one there on the next page with the red heading? Big blue table has got quite a few figures in it. Yeah. Is that the one with Red Riding Investments and then all the different investments? Yeah. So the Yep. main thing to kind of point out here is that we are going to remove that Benelong investment option that wasn't performing too well. I am recommending Yeah. to I update think we a few spoke extra ones as well. yeah. Yeah. I think you just mentioned it the last time. Yep. So rather Yeah. than just switching the one out, I wanna update a couple of them. And at the bottom of that table, you'll see kind of a few of the options options that we're adding in as some lower fee replacement options with a bit Okay.","start_word":1679,"end_word":1825,"sentiment":"neutral","sentiment_score":0.016538666320495866},{"text":"better performance as well. So just Okay. as an example, the BetaShares Australia 200 at the bottom of that table, that is a low fee replacement of Benelon. It chops the fees down about 80%, and it's performed much better over every time period.","start_word":1826,"end_word":1869,"sentiment":"positive","sentiment_score":0.472529411315918},{"text":"Okay. Okay. Couple of little fun things we've mixed in is just a bit of cybersecurity just with everything that's going on with the AI and everything like that.","start_word":1870,"end_word":1898,"sentiment":"neutral","sentiment_score":0.3132319748401642},{"text":"Those shares are doing pretty well.","start_word":1899,"end_word":1904,"sentiment":"positive","sentiment_score":0.5861988663673401},{"text":"Yes. Oh, okay. I'm already associate. No. We're mixing those in as an additional component. Oh, okay. So right now, three investments or the investor sorry. I'm assuming, you know, eyesight. Oh, no. Did you flick down to the the signature, did you? No. It's just like because I'm trying to zoom in because it kind of it's it's gone small. Bit hard on the phone, I'm trying I imagine. to get it back to the investment one. Just page what page is that? Oh, that's 30. Okay. Okay. Found it. Cool. So I keep going here. Yeah. So all those investment names that's on page seven on page 17, Yep. That's not what I have current. It's a mixture of both. So the easiest way to Okay. read this table is the very last column and second last column. It shows you what we're recommending. And so anything that does have a number in it, like the one at the top that says five percent eleven thousand, that is what we're recommending to keep. The ones below it that is zero, that's the ones we're recommending to sell. And then the ones at the very bottom, the new inclusions. Okay. Yep.","start_word":1905,"end_word":2106,"sentiment":"neutral","sentiment_score":0.011827421374619009},{"text":"Cool.","start_word":2107,"end_word":2107,"sentiment":"positive","sentiment_score":0.4302806556224823},{"text":"That pretty much concludes the superannuation side of things besides the Mhmm. asset allocation table on page 19, which just show that we keep within that kind of 65% growth asset. It's a very colored pie chart. Yeah. Once you get to that colored pie chart, just wondering if you have any questions on on anything I've mentioned so far. No. But so you're removing some investment, and you're adding new ones because they're not performing. Correct. Sorry. Just in layman's terms. Yeah. Okay. And the other ones are not, like, they'll perform better. We believe so. We do have much better track records for these over the Okay. last few years, and we believe going forward, they should perform much better as Like, worst case scenario if all of them get bumped up. I well. mean, is that even possible? I can definitely say. Oh, yeah. So let's say, Sure. worst case scenario is we have another, like, global financial crisis. Yep. There is a scenario where all of the ones that we count as a growth asset, which is, you know, shares, property, and gold. Actually, if you could just go down to page 19 for me and you can Yep. see that colored pie chart, can you see the Yep. different, like, Yep. pie segments? Yep. So if we look at the right half of that portfolio, Yep. you've got the light blue and the orange. That's your Australian international shares. If Yes. the entire world went down, that Yep. half is what would be affected there. Okay. The gray portion is like gold, and then Yep. cash is your yellow, and then blue Yep. is like your term deposits and bonds and things like that. So there is a scenario where, say, two thirds of your portfolio starts to go down, and then you would have that negative year where you may be down 15% if the world exploded. That Yep. is something that happens possibly once every decade or so that we do factor in. And so so just so basically so that Australian shares international shares would take away half, did you still have money? Yeah. Yeah. So the only way that that half goes down to zero is if every single company in Australia and The US disappeared off the face of the planet forever and Yep. Okay. they all went to zero and the government didn't help Microsoft or Commonwealth Bank or anyone, that's pretty much like Mad Max nuclear bombs Yeah. going off Yeah.","start_word":2108,"end_word":2530,"sentiment":"neutral","sentiment_score":-0.05379685054997744},{"text":"at that point if all the companies just disappeared off the face of the planet.","start_word":2531,"end_word":2545,"sentiment":"negative","sentiment_score":-0.42778414487838745},{"text":"Yeah. Okay. So say the figure I can't that I protect have you in my from that. sorry. You're okay? You're Go there? for it. Oh, so say like, if I went on to start going to my hub account and I see what my super balance is now, like, how would that affect that balance roughly? Right. So I will just quickly log in to your account. Actually, I'll just go off the figures that are in the document. That will be a little bit easier. So if I go to the balance that we base this on, let's say you're sitting at 240 Yep. thousand in your super, and we had that other financial crisis, it could be sitting at 180,000 or something like Okay. that. That would then be a period of kind of letting it grow back up again. Like, for Yeah. example, let's say you have 10 properties and all of those properties went down a $100,000 each, you would kind of not rush off to sell them. You would just give it a few years for those properties Yeah. to Yes. get back Of course. up, Yes. and we would Yes. use your contributions to buy a few more. Then Yep. it should all grow over three to five years, and you'll be back up to, you know, 300,000 or Yeah. Okay. above. Cool. Sorry. As you get I know closer it's it's to retirement, stupid questions, but I I just have to get my no.","start_word":2546,"end_word":2797,"sentiment":"neutral","sentiment_score":-0.030112044885754585},{"text":"knees around.","start_word":2798,"end_word":2799,"sentiment":"negative","sentiment_score":-0.354242742061615},{"text":"They are not stupid Yep. at all. Risk is a very important thing because as you get closer to retirement, like, this is your money that you're gonna be living off, and Exactly. it's all fun and games when you're 30 years old with $50 in super. When you've got hundreds of thousands in play and Yes.","start_word":2800,"end_word":2856,"sentiment":"neutral","sentiment_score":-0.1089230328798294},{"text":"watching it go up and down to 50,000, it's not as comfortable.","start_word":2857,"end_word":2868,"sentiment":"negative","sentiment_score":-0.4298020005226135},{"text":"No. Just bear in mind that we do expect there to be that one or two years of the world blowing up over Yes. that decade, which Yep. we'll still aim for those goals even with that mixed in. Mhmm. The second thing that we do is in those last five to seven years, we're gonna slowly reduce your risk level down so that instead Okay. of having That's what I 50 was just percent gonna ask. in the share market, you'll go to forty and thirty and twenty and then Yep. retire Yes.","start_word":2869,"end_word":2962,"sentiment":"neutral","sentiment_score":-0.0349586769304377},{"text":"with something nice and safe.","start_word":2963,"end_word":2967,"sentiment":"positive","sentiment_score":0.615028440952301},{"text":"Yes. I was gonna say that, like, if it if the if the customer chose, for example, say, actually, can I not can I only do 50% of what I'm doing? So Correct. in that way, kind of ensuring they still got 50%. So, And yeah, that can when kind we of be do done a anytime. review, Yep. you would pretty much say, hey. Look. If the balanced risk profile is 60% growth assets, we may bump you down to a moderate the next year with only 50%. And then Yep. when you retire, we could put you in typically, for pension phase, you have about 40% in growth Yes. assets Okay. still just to make Okay. sure you're You can topping ask up anytime what you're and pouring you can out. still do that. Yeah. Yeah. We can I mean, Okay. I've got The some money's clients fully in retirement vested. who are aggressive, But, yeah, still invested, but just conservatively in Yeah. something Of course. that's more like maybe a Low third of risk. it is in the market, Yeah. and Yeah. the rest Okay. of it is in, like, term deposits and safer items? Okay. Does that make sense? Yes.","start_word":2968,"end_word":3171,"sentiment":"neutral","sentiment_score":0.07411706447601318},{"text":"Yeah. Fantastic.","start_word":3172,"end_word":3173,"sentiment":"positive","sentiment_score":0.526176929473877},{"text":"Yep. Moving on to the next strategy, you'll just see Mhmm. to be honest, this is just a bit of information on contributions. It'll move into salary Uh-huh. sacrifice. What that should do is your take home pay, which essentially, if we minus them off of each other, if you put $60 a week into your super through work, it'll probably $45 a week in your take Yeah. home Yeah. pay. I remember you saying that. Yes. So what I'll do, I'll give you a little bit of an exact. Yeah. If yeah.","start_word":3174,"end_word":3266,"sentiment":"neutral","sentiment_score":0.04377585649490357},{"text":"So if you put 60 in, you should lose about $41 in your pay.","start_word":3267,"end_word":3280,"sentiment":"negative","sentiment_score":-0.33692359924316406},{"text":"Okay. So just for budgeting purposes. Yeah. Because in the hand, I'm kinda still getting $20.41 dollars short as opposed to $60 short. Correct. And that Yep. that difference goes into the super where it still is taxed at 15%, but there is Yeah.","start_word":3281,"end_word":3324,"sentiment":"neutral","sentiment_score":-0.01147381216287613},{"text":"that nice tax difference for you, and Yeah. that'll boost things up quite nicely.","start_word":3325,"end_word":3338,"sentiment":"positive","sentiment_score":0.6132963299751282},{"text":"Okay. So that was his table easier. Yeah. Yep. Now the one really, really important thing I have to run by you, if Yes. there's no questions on the contributions, which obviously just do that through work, we Yes. can send you a letter with the information if that helps your payroll, if they're not too comfortable adding that in. But I was just wanting to talk to you about the insurances as well. Mhmm. So can you go down to page 23 for me? You should Yep. see some blue tables about insurance replacements. Yes. Got it. So I did find we we had to call around regarding the health side of things. Yeah. Cleave, you said that it's possible to remove the loading, which is increasing your price by 50%. If you were to have, like, a biopsy done, which was quite extreme in terms of steps that you would have to take. Now I found a provider called AIA, which is also one of the top six. Yep. They were offering it for that kind of 4,500 price, and they said that they wouldn't apply a loading if there was I'll I'll read it out exactly. Because I remember you saying the health had improved and everything, and that was looking a lot better. So what they would basically do through the application is they would send off for a doctor's report just to see the most recent liver function test and doctor's report combined. And if those are looking pretty stable and pretty good, they would offer it without that 50% loading of price. Okay. So do what do I do? So what I'm wondering I'm is actually seeing either I'm seeing I see so I used to see him six months, and now I see him annually, and I'm due to see yep. him at the beginning of November. So Okay. what do I ask? Well, basically, if you're comfortable, what I would like to do is either way, though, either insurer is gonna have to request a doctor's report. So what I would do is I would like to replace ClearView with AIA, and Yeah. I would book you in for an insurance application for October. If we send through that application, they will send a request to the doctor. And then when Yeah. you see them in November, you just have to follow them up and say, hey. Have you sent that report through for the insurance company? And that will Okay. speed things up. Okay. K. So if you're comfortable with this, what I would do is book you in when you're available in October just to go through that kind of twenty minute discussion Yep. to put in an application to AIA. Yeah. And then once that comes through, hopefully, that doctor's report gets sorted in November. Yeah. They should let us know if it comes through okay. If they give Mhmm. us the good terms and the good price, then we're okay to cancel the Clearview policy, and you should be Okay.","start_word":3339,"end_word":3850,"sentiment":"neutral","sentiment_score":0.046907693351386115},{"text":"pretty cool.","start_word":3851,"end_word":3852,"sentiment":"positive","sentiment_score":0.37743231654167175},{"text":"For now, we'll choose If the there's clear any view. issues yeah. We keep we always keep it until the new one's in place. Yes. And Okay. if there's an issue that comes back from AIA, I'll Uh-huh. jump on the phone to you and talk you through the options on what we do. So you call me in October to go through the insurance? Yeah. So I was wondering if you did know what your availability was like because the month's about to switch in a couple of days. I can get you booked in now, or I can just get the team to give you a call later this week to to sort of looking out. On a Tuesdays are usually good for me. Yep. To be safe maybe at, like so if it's 4PM here, it'll be 3PM up there. Yeah? Yeah. Because we're about to switch to daylight savings Yes. next week, I believe. Yeah. So, basically, I can do it on the sixth, the thirteenth, the twentieth. Yep. September 7. Yeah. Any any Tuesday in October. And I think to be safe, just make it 4PM. New South Wales time? Yes. Yeah. So what I can do is I'll put in a bit of a booking spot for Yep. 4PM your time on those three Tuesdays, and then I'll just get Maddie to give you a call to run through the application. And then hopefully, you catch each other. If not, she'll try again the following week. How's Oh, okay. So do I put a date in my calendar sound? I we or can do if that's not? easier for you, or Oh, I can just get them to try no. it. But You I would you Maddie can call me and give me a date. Whatever's gonna suit you, then I'm fine. As long as it's like yeah.","start_word":3853,"end_word":4166,"sentiment":"neutral","sentiment_score":0.09341686992508592},{"text":"Around perfect.","start_word":4167,"end_word":4168,"sentiment":"positive","sentiment_score":0.3682480454444885},{"text":"4PM. Any of those Tuesdays. Well, next week is only a week away, so I'm assuming probably later in October. I mean, we can actually do next Tuesday if that works for you. Yeah. Whatever. I'm easy. Sorry. I'm just double Cool. checking. No. You're alright. That's that's better to be safe than sorry. So I'll put one Yes. in for I for see next I see the doctor on the November 4. Tuesday. Yes. That should give us Yep. just enough time. Okay. I'll do 4PM New South Wales time for and we we call it a personal statement, which is where you do, Yes. like, the health and occupation questions. We will prefill it with everything that you used when we set up Clearview, but they'll still Yes. Yes. have to run by and see if there's been any health changes and some updated information. So Of course. if everything's pretty much a no besides that, it skips through quite quickly. If there are a lot of yes, this condition, yes, that condition, there's Yes. always those Yes. extra questions about when did Of it happen, course. who did you see, what medications, all that kind of of Now it's still just it's exactly the same stuff, but I'm doing just the usual. thing.","start_word":4169,"end_word":4384,"sentiment":"neutral","sentiment_score":0.06655407696962357},{"text":"Perfect.","start_word":4385,"end_word":4385,"sentiment":"positive","sentiment_score":0.41921019554138184},{"text":"Alright. So I'll put that in for 4PM New South Wales next Tuesday the sixth. Mhmm. And what I'll do is I'll get a bit of a text message reminder a couple of hours prior as well.","start_word":4386,"end_word":4422,"sentiment":"neutral","sentiment_score":0.04735890232227944},{"text":"Oh, that'd be great. Thank you so much. Easy.","start_word":4423,"end_word":4431,"sentiment":"positive","sentiment_score":0.7195964455604553},{"text":"Alright. So just to kind of cap things off, Lima, we've got just gonna send off that invitation to the team. So, basically, that's the advice that we're doing. Update the portfolio, add the contributions, sort out the insurances. There is a little bit towards the bottom of the document where we talk about if we are putting in place AIA, we'll do a beneficiary nomination for that new life insurance policy, which I believe you had split between your spouse and two children, $5,025.25. Yes. That's right. Cool. So we'll make sure that reflects on hub and the new policy once it's in force. There's a few reminders about wills and powers of attorney. Please bear in mind as well that anytime we we establish an insurance policy through any of these providers, be it Clearview, AIA, TAL, whoever, Yep. we do get paid 66% of the first year's premium from them to us for the establishment and then 22% ongoing to manage it, alter the policies, and help with claims assistance and claims And is advice. that included in the policy price? Yes. Okay. So they're on top of it. Okay. Not on top and not paid personally. It's always factored into the price already. Yep. So on page 26, which shows the current is the insurance premium that I'm paying now on page 26. Yep. So the premium is 6,000. So when it says five year impact, that means it's five years. That's what super it might be. Oh, yes. That's right. So that's what the Okay. super might be with the current premiums versus Yeah. the lower premiums versus no Okay. premiums at all Okay. to show you the impact that that has on the super. Okay. Alright. Just just understanding exactly what it is. Alright. No Oh, worries. absolutely.","start_word":4432,"end_word":4735,"sentiment":"neutral","sentiment_score":0.04976549744606018},{"text":"That sounds good.","start_word":4736,"end_word":4738,"sentiment":"positive","sentiment_score":0.3863150477409363},{"text":"Yeah. This does Okay. factor in all the super recommendations, so this is just Mhmm. purely what are the premiums doing to the balance. Mhmm.","start_word":4739,"end_word":4763,"sentiment":"neutral","sentiment_score":0.15131692826747897},{"text":"Cool. And that's pretty much it.","start_word":4764,"end_word":4769,"sentiment":"positive","sentiment_score":0.5368744730949402},{"text":"So from here, if you're comfortable with all of this, the bottom of this document, the second last page has the authority to proceed. Yep. We've I got still haven't done a will. no. That's okay. Here's your yearly reminder from us. Yep. So what If you're comfortable with that, basically, do there's a a begin button I that'll either pull you down to sign do or you can just scroll down to now? that second last page. Okay. Do I sign in the small box? So Would there I sign is in the big box? the big box is just if you don't wanna go ahead with one of one of the recommendations, you can actually write in the difference that you would like to make. If you are comfortable with everything, you could just skip the big box and just put in the signature box, the small one, and the date box next to it. Once that one's done, there should be a button saying next document. That's okay. I'll keep an eye on my end. So we're sorry. Next. Yeah. So once all the mandatory signatures are in on that page, there Is should it be only a button one saying technician? next document. Next document. Yep. Okay. Got it. Yeah. Yep. And then that's basically the appendix with the extra research on there, and you should be able to just hit next document again. And you should then see the red AIA quote, Yep. which Oh, okay. on So you've done one already. yep. This is Okay. just Yep. a a Oh, quote shoot. for the recommendation. If you go to the second page, there's a signature and date spot on that one. Yep. Got it. Then, basically, there will be a next document, which would just be your certificate of currency for the current insurance. Yep. And premium time. You want Yeah. the next Yep. And document? then the last document Yes. when you hit next document should be that kind of pinky purple clear view just showing you what your current insurances are. Uh-huh. And it should just end there with a validate button to send all of that through back to us. Okay. And then I get a copy of all this anyway, don't I? Correct. There's usually a button to download a copy, but they do email you a signed copy as well, of course. Okay. And because the intent's running a bit slow, when you hit validate, it'll probably spin that circle for a little while, but it has actually come through signed to me already. Yes. Okay. And I've downloaded it as well. Yep. Well, hope hopefully, I've downloaded it. Oh, if you can't download it, they'll email you Oh, a I copy, pre download and we it. can I always pre send it download to you as it, well. so you should have that now.","start_word":4770,"end_word":5255,"sentiment":"neutral","sentiment_score":0.09138417713068148},{"text":"Awesome. Thank you so much for that. That's come through perfectly. Alright.","start_word":5256,"end_word":5267,"sentiment":"positive","sentiment_score":0.7584664225578308},{"text":"How are you going on the systems there? Is it all kind of loaded and okay on your end? Yeah. I think so.","start_word":5268,"end_word":5290,"sentiment":"neutral","sentiment_score":0.226543128490448},{"text":"Perfect.","start_word":5291,"end_word":5291,"sentiment":"positive","sentiment_score":0.5384191274642944},{"text":"Basically, from here, we'll go through that application with you next Tuesday at four Yes. o'clock your time. And then Okay. like I said, when you go to the doctors, they'll probably have an outstanding email from the insurer saying, can you give us a report? If you can give Yeah. them a little nudge, that'll speed things up a little Yes. bit. So yeah. So they have the doctor's information. We will include that in the application. So when they run through Okay. all the questions with Yes? you, you just gotta say which Okay. doctor or which Alright. clinic, and then Yep. they can send a they call it, like, a MediBridge request Yeah. So that'll through be the a specific yeah. system. Yeah.","start_word":5292,"end_word":5417,"sentiment":"neutral","sentiment_score":0.1056540384888649},{"text":"Awesome. Okay. Awesome.","start_word":5418,"end_word":5420,"sentiment":"positive","sentiment_score":0.4799925684928894},{"text":"Alright. Alrighty. Any questions for me? No. I think I asked Of you all the questions. I can always course. just call up if I need to speak to you. Of course. Of course. Yeah. I do have a few bookings every now and then, but the team can answer most questions. Oh, And if yeah. not, Exactly. they'll do it Exactly. with me. Yes. I know.","start_word":5421,"end_word":5487,"sentiment":"neutral","sentiment_score":0.09684925904469704},{"text":"I have a really good one when I called.","start_word":5488,"end_word":5496,"sentiment":"positive","sentiment_score":0.5931607484817505},{"text":"Yeah. The only thing I will just mention is because this is part that I forget quite often, so I do apologize. We do have your ID on file valid until 2028. So what Mhmm. we essentially do is any applications, we will certify that and send that off to the product provider. Once we get to December 2028, we'll probably have to get a updated copy of the license. That's Oh, let me just I don't even know, by the way. all. Jesus. Oh, It's yeah. still valid for a couple of years, so Yes. we should be good Yes. for a while. The November 12. Okay. He just reminded me.","start_word":5497,"end_word":5608,"sentiment":"neutral","sentiment_score":0.04364752769470215},{"text":"Thank you very much.","start_word":5609,"end_word":5612,"sentiment":"positive","sentiment_score":0.4175592362880707},{"text":"No worries at all. I can't wait to update that photo.","start_word":5613,"end_word":5623,"sentiment":"neutral","sentiment_score":0.08158200979232788},{"text":"It's terrible.","start_word":5624,"end_word":5625,"sentiment":"negative","sentiment_score":-0.43208399415016174},{"text":"Oh, me too. I'm I'm about due Oh in, my god. I I'm think, a little February, bad. and I'm dying to update it. Yes. I'm glad. I was I was wondering whether it was gonna be this year. Fantastic. Oh, no. No. That was expired. When is it? 2028. On Yeah. a '2 It's a more while years of away. sorry. Two more years of torture. Okay. Awesome, Thank Helena.","start_word":5626,"end_word":5696,"sentiment":"neutral","sentiment_score":-0.042472392320632935},{"text":"you Thank so much. you so much for your time today.","start_word":5697,"end_word":5707,"sentiment":"positive","sentiment_score":0.3628675043582916},{"text":"Yes. You there? Yeah. I'm still here. Sorry. Just cut out for a second No. there. That's okay. Because I'm just I'm just getting out of the car now because I'm finished off my shopping. Oh, beautiful. We did the old switcheroo. I had it in my driveway, but I didn't get a reminder, I think. So I think I was just, like, trying timing everything, and then I left and it's completely completely forgot. And you called me at, like, the most perfect time. I was just walking into the sliding door, and I was like, okay. I'll just go back to the car.","start_word":5708,"end_word":5812,"sentiment":"neutral","sentiment_score":0.0318130332355698},{"text":"Oh, perfect.","start_word":5813,"end_word":5814,"sentiment":"positive","sentiment_score":0.37289923429489136},{"text":"I do Yeah. apologize. So it's We good. had a bit of No. It's fine. a play Because up otherwise, with the system I just for I'd the have messages. to wait a whole another week before I could talk to you. So it looked out well.","start_word":5815,"end_word":5861,"sentiment":"neutral","sentiment_score":-0.011996853165328504},{"text":"Yeah. Fantastic. Awesome. Alright. Thank you so much, Thanks, Salima.","start_word":5862,"end_word":5871,"sentiment":"positive","sentiment_score":0.6751724481582642},{"text":"and we'll We'll speak talk to next you on week. Tuesday. Okay.","start_word":5872,"end_word":5883,"sentiment":"neutral","sentiment_score":0.2482224553823471},{"text":"Thank you. Have a good day.","start_word":5884,"end_word":5889,"sentiment":"positive","sentiment_score":0.6355673670768738},{"text":"Bye. You too. Bye. Bye.","start_word":5890,"end_word":5894,"sentiment":"neutral","sentiment_score":0.21451477706432345}],"average":{"sentiment":"neutral","sentiment_score":0.06282502859430776}}}}