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I just had to book in this morning just to go through the updated advice document with you this now for the time. Yep. Fantastic. No. I can see that you haven't seen the email. I did send the document through to you there. Are you able to open that at all, or have you had a bit a bit of a look through it already? Oh, fantastic. Did you happen to read through most of the recommendations at all just to kinda get a feel for what we're updating for you? Yeah. That's okay. If you wanna pull you're right. Sorry. Okay. That's alright. If you just pull yeah. That's cool. If you pull that one up, we can go through those sections together, and I can go through and make any updates that we do need, which is absolutely fine. Before we jump into the call there, Charlene, I just have to let you know we do record our calls for quality and training purposes. Are you happy for any difference with that? Fantastic. And just to build really quick security check there with you as well, I just need to confirm your full name, your date of birth, and address for me as well. Yes. Fantastic. Fantastic. Thank you so much. How's your morning been so far? That's okay. Have you at least had your coffee for the morning? Oh, good. The last thing I wanted to go through this with you if you haven't had coffee. I definitely I've already had two. Sorry. All good. If you can let me know once you've got that one up in front of you. They're so sorry. Fantastic. All good. Now on the front page, it does note that the per document has been prepared for yourself. We completed the document, and we dated the yesterday's date. All of that advice is valid for sixty days after the date on the document. On the bottom there, it does have my licensing information there for you. So I'm prepared by myself and my team here at Oakley Financial, and my license number is 1304394. So, essentially, with the advice system, make it nice and easy for you because I know you've probably got a lot going on. Essentially, we are looking to keep you in that high growth portfolio. So you are still a high growth investor. The high growth environment does suit your time horizon, so you can't technically access it until the at the earliest, as displayed, is August. So being in that high growth environment gives you access to being able to essentially obtain greater potential returns and compound you know, get greater compounding towards your retirement, but it also means that, you know, we do see some sort of downturns there. We just wanna make sure that you're not able to access that money within the next eight years to be remaining in that environment. And this puts your time horizon, your risk capacity, and your tolerance extremely well. I have just made some changes to your investment portfolio within half twenty four, so we have sort of had a look at things this year and noted that with the ups and downs we've seen this year. And I'm also the page number 20 there for you if you wanted to have a look at that. This is I'm over complicating it for you. But alright. Mhmm. That's okay. You're fine. Done. So the heading on this one is the investment recommended investments for superannuation, and you should see a table with all the investment names below. My page is number 20, but yours could be 21 or 22. I know sometimes when we send it electronically, it comes it adds a few different pages on there or changes the page numbers around. That's okay. Did you want me to re email it to you, the version I have here, just to make it easier? Yes. Absolutely. I'll just send a separate email real quick to you here. There we go. Just quickly attach it for you. Sorry. Wait for two seconds. Didn't want to send you a blank email. There we go. Okay. I've just sent that one through to you as a separate email with the attachment. So when that pops through, if you open that up, and that's essentially the unsigned version that I'm looking at. It might be easier for the pay number there for you. Okay. All good. No worries. If my voice goes a little bit high or low or starts to dissipate a little bit, I do apologize. I'm coming off the back end of the cold. So I'm trying to keep my voice trying to keep my voice as clear as possible for you. Gotta love this time of year. Page 20. Yeah. Perfect. So with the hub oh, that's okay. It is quite a lot going on. To make it a bit easier, sort of where you really wanna focus your attention is the red and green is the buy sell column. That's essentially what we're gonna transfer. The red is what we're gonna sell investment wise, and the green is what we're essentially going to buy. So with the target balance there, that's essentially what you're going to have in the investments once they've completed the switches. So the first two the first two have come out green, but they should have been red. So what we're gonna do is we're gonna start by, obviously, transferring your insurance cover over into hub twenty four so that you keep the level of cover you have within AWARE and PWSIP. But we're gonna transfer that insurance cover over into hub twenty four so you retain that level of cover. We're then gonna transfer and consolidate your super funds. So the money from the Aware and the PWSAP move it into Hub twenty four. And once that's all consolidated together, we're then gonna make some investment changes. So within Hub twenty four, the Bannalong Australian Equities investment has been underperforming a little bit. They've had a few troubles this year with their underlying investment, and the investment manager hasn't been able to do very well. So we don't want you to be in anything that's underperforming, so we are gonna remove you solely out of that investment. And then you've also got the ACDCC global lithium and battery tech that has been doing very, very well. But you're a little bit overexposed in that area at the moment, so we're just gonna sell off a bit over a thousand dollars there for you and bring your exposure back to 7%. So you'll have about 14,713 invested in that investment there. Okay? With the bank hybrids, they are a great investment. Nothing wrong with them. They're defensive in nature. You just have a little bit less than what we would like to see with that investment, so we're gonna buy a little bit more of that. And we're gonna purchase about 5,000 of that and bring your exposure up to 7%. With the VanEck China new economy, again, keeping that investment, it hasn't done too badly. It is still a really good investment. It's more of a niche market to be in, and it helps to provide diversification for you and your portfolio. You're about 3% there at the moment. We wanna see about 7% invested, so we're just gonna rebalance you back and buy some more of that investment there. Okay? Physical gold, at the moment, you've got about 9% invested. Really good to have. Physical gold has done some really great growth over the last twelve months. Everyone's really seen good changes in that. In this last few months, the last from February now, we have been a bit more ups and downs with physical gold and what's been going on globally there. But you're a little bit overexposed at the moment, so we are just gonna sell some of the physical gold, cement some of the gains that have been made, and reduce your exposure back to 7%. You've also got some beta shares. Cyber security. Cyber security has been some ups and downs this year, has been affected very much by what's happening between Iran and The US. You've got about 7.95% at the moment, so those are over exposed. So we're going to essentially bring you back to about 7%. It does actually mean we are buying some of that, though. So you're you currently have 7.95% of your total balance, but when we kind of transfer the funds from the two other super funds and consolidate everything, when we kinda look at how much you'll have, we will need to purchase some more of that investment to rebalance you back to 7%. Okay? With the S and P 500 there, that is still a really good investment, giving you access and expenses to 500 companies on The US exchange. You actually have about 34.09 of your current portfolio invested in that. We wanna keep up about 30% invested in that. So once we consolidate, it does mean we will have purchase about $5,000 of that investment, and that'll bring you up to 30% of the total once we consolidate. Okay? So VanEck Australian property, this is giving you exposure to residential and also commercial property. Again, it's really good for the diversification. Has not done too badly at all. At the moment, you've got about 4.36% there. We wanna hold about 5% of your total portfolio. Once we do consolidate, it does mean buying a little bit more of that investment, but you'll essentially see about $1,010,000 in there. There's a 10,000 in the investment, and it will be about 5% of your total portfolio. Because we are selling off the Benelon Australian equities at the moment, that will happen shortly because it has been underperforming. We need to replace your Australian exposure in your portfolio. So we're actually gonna buy into the beta shares a 200, which is the very bottom one. This essentially gives you greater diversification in your portfolio, and this investment is actually cheaper than the Bennelong investment. So one of the things I did sort of have a look at was Bennelong is more of an actively managed investment option. The investment manager is meant to be buying and selling investments in a way that benefits the market, that gets you greater levels of pretend they're trying to outperform against the greater market as a whole, and they haven't been able to do that. Venmo normally holds anywhere between 15 to 25 different investment options. So by selling that off, we're putting you into a more of a passive invested fund for the beta shares a 200. This one tracks the top 200 companies on the ASX. It's actually giving you instead of 15 to 25 different investments from the Australian market, it's actually giving you greater diversification because you'll be tracking the top 200 companies, and it's more of a passively managed fund. So you actually save on fees for having this investment in there, which is really good. Okay? And then we've also got the Raffy a 200 in there as well. This is, again, giving you exposure to 200 companies. We're not overexposing. We're just diversifying. The Raffy does look at small to mid cap stock from the ASF, so we're giving you great diversification there whilst making sure that you do have some Australian exposure on the on the stock market as well. Does that make sense? And do you have many questions around that? I try to keep it fairly simple. Perfect. Perfect. So, essentially, that's what we wanna do to change your investment portfolio. This year, the ups and downs the market has been. We've wanted to really go back and have a look at how your funds are invested and make sure that you're seeing the right exposure, but that we don't wanna keep any underperforming investments in your portfolio. Okay? As I kinda mentioned before, we are looking to transfer your cover. So with the insurance side of things, you originally had the goal that you wanted to make sure that in the event that something was to happen, that you could, you know, pay off any debts that you have. Make sure you're looking after your family. With life and community and income protection, it was really important that you wanted to make sure your kids were looked after in the event that something happened. Cover the debts. At the time, you had about 27,000 in debts to repay, so we were looking to replace that. But then also replace your income until your youngest child turns 18, and that was all part of making sure you were looking after your kids. And it's making sure that you had income protection up to the maximum level in the event that something happened. So we had a pre assessment, which we went back and had a really good look at how everything was going and how what was the chance would be offered for the insurances. There is kind of three steps to this recommendation to make sure it is working harder for you. The first step is to transfer your current cover. So you do have some group cover within your PWSAP account, and you're aware, Susan, the group cover is a much cheaper option to keep. But because there was on your pre assessment some health conditions that we sort of needed to note about you were taking Ozempic, you had some mental health in the back in the yeah. Previously, and also your upper back and neck, you have seen some pain in those areas. When we preassessed those with the insurers, it did mean that they would exclude any preexisting conditions. So by transferring the insurances you have within Aware and PSAP over to HUB twenty four, that means you keep those insurances exactly as they are. There's no exclusions or loadings I'm sorry. No exclusions or loadings on those policies, and that gives you a level of cover that has no exclusions or loading. So it's giving you a base level of cover, and there's no loading or exclusions on that base level. Essentially, in order to sort of give you the level of cover to meet your goal, we then also needed to increase the cover a little bit higher. So we needed to then apply for an extra 900,000 of life and TBD to boost up your life and TBD to meet your goal. So it does mean that we are gonna also apply for retail cover with Zurich, but we do expect on the application for that that there will be a mental health exclusion on that higher level. There will be an upper back and neck exclusion and possibly a 50% loading on life and a 100% loading on TV, and, of course, we're not gonna apply for IP. So that will give you the higher level of cover. The transferred amount will not have any loadings or exclusions, so you'll be able to claim on that lower amount for anything additional. And that essentially means that you'll have because that's the one that you've got 261,000 of life and TPD through Aware and a 165,000 of life and TPD with PWSAP. So it essentially gives you about $400,000 for the cover there with no loadings or exclusions, and that's the best way to keep that as much as possible. On the extra higher amount of 900,000 of life and TBD, we expect to have the mental health exclusion and the back end or neck exclusion on there. That just essentially means that you won't be able to claim on that higher amount of cover for anything preexisting. The biggest thing to make mention is that if you were to, say, have a new injury and it did hit your back or your neck or something was to happen, you can still claim, essentially, the way Insurer looks at any new injuries that injure your back or neck when you have an exclusion, if they look at if a reasonable person in that same circumstance that didn't have exclusions or loadings on that policy, if they would have the same injury or illness as you, would they be able to claim? Would that be a reasonable claim? So it doesn't ever stop you from claiming for the back or neck or mental health. It's just in relation to any previous injuries, damages, or anything that's been preexisting. Does that make sense? Absolutely. Yes. Uh-huh. Yep. Mhmm. Yes. So it really depends. So on the the income protection policy that you do have with PWSAP, we're gonna transfer that as well. That will have no exclusions or loading. And if you were to go off work in the short term due to mental health, you'd be more likely to start claiming on income protection. By doing this, you'll still be able to claim on that policy. That won't be affected in any way, shape, or form. With the TCV, the first $426,009.78, which is the amount that we're transferring from your two current funds in the hub 20 4, that won't have any exclusions or loading. So if you were TCD for mental health, you would still be able to claim on that level of cover. When it comes to the cover that we're applying for with Zurich, that's the additional 900,000 of TBD, they will then have that mental health exclusion. So that means that you won't be able to claim on the 900,000 of TBD with Zurich because that will be excluded for mental health. In saying that, an exclusion is normally applied for about three to five years. If you've had no mental health symptoms or treatment for three to five years, we can absolutely review that, and the exclusion can be removed on that higher amount of cover. Does that make sense? You're welcome to ask me more questions if you need. Yeah. Mhmm. Yep. Yeah. Absolutely. That's okay. So the other option is I mean, this is a recommendation to be able to help you to meet your goal, and it requires just transferring the first level of cover, which there's no exclusions or loadings on. That is absolutely kept exactly as it is now. This just the retail cover that we need to apply for to reach your goal. You do, however, have the option of not applying for the retail cover. You don't have to take the part of the recommendation for Zurich, and it just means that we transfer your current cover into Hub twenty four. We consolidate everything, and it means that life and TDD, in the event of a claim, you have a level of cover of $4.26 $9.07 8, the 426,978. On that level of cover, there's no explosions or loading. So you will still be able to claim for mental health in the event of something occurring. Does that make sense? Yes. Yeah. Yeah. Yeah. So with transferring the current cover over, that all transfers over. That is a cheaper cover to transfer. We're applying for new insurances. We estimated the total cost to come out of super to be $3,006. That's the total of all your insurances wholly. If you just wanted to look at doing the transfer terms and not applying for the Zurich, essentially, in the appendices, we have the difference in the cost, but it works out to be about $900 insurance cost, and you would only have that 400,000 level of cover there. So you don't have to take the retail cover option. You don't have to increase your cover as much as you as we recommended. We're just essentially showing you in order to meet your goal, this is what we need to do. These are the disadvantages of doing that. This is the kind of expectation we have based on what we know, and this is the cost of doing that at the same time. But at the same time, you don't have to. If you don't don't don't really want to have the Zurich retail cover, that's absolutely fine. You don't have to. As long as you're happy with just having that 400,000 of life in TVE, as I mentioned, we we did look at trying to get income protection. Income protection, you've got about your current cover has about 500 sorry. 5,049 as a monthly benefit, and that it is just a little bit under essentially, the 70% that you would need. But if we tried to apply for more income protection, the cost would be a lot higher, and there would also be those loadings and exclusions there. So we're not recommending any additional income protection to be purchased. We're just gonna transfer your current income protection policy over. It will still have the nine day waiting period to either end up screwed for you, but that cover, there'll be no loading or exclusion. So when we tend to go off work, especially for things like mental health or injuries, we tend to have to claim in a certain order. Normally, the first thing we claim on is income protection because we're off work. We make that waiting period, so we're off work for ninety days. We then need to make that claim to sort of get us an income replacement, so we claim on income protection. Then if we're still off work and can't go back to work, then we try to claim on CBD. And then if we, you know, pass away or become family ill at the end of the last cover is the last thing to be applied for. So it's just that's the way insurances tend to work the way we claim on things normally. As I said, your income protection policy transferring exactly as it is. No loadings or exclusions will be applied on that one. It's just the life and TBD. We'll transfer the cover as is. There'll be nothing no exclusions or loading from that policy either. It's just the increase if you decide to go through and apply for that 900,000 with Zurich. You don't have to. It does obviously reduce the insurance cost if you don't apply for that cover with Zurich, but it also means that in the event of a TPD or a life event, you don't have that high level of cover to fall back on. So it's just about what's important to you and what you're comfortable proceeding with, if that makes sense. Yeah. Yeah. Yeah. Absolutely. Absolutely. It's a little bit bit yeah. You're right. You're right. That's absolutely fine. I can hear them in the background. So sorry. Yeah. That's all good. It's a little bit because there are three steps to this, it's kind of transferring the cover you have with your two current providers in the hub 24 and then applying for more cover on top of that. There is a little bit to kind of wrap your head around, slightly understandable, but it's important to note that, essentially, out of the total amount of cover you'll have, the first $426,009.78 doesn't have any loading or include, but that is exactly as it is now, which is the benefit. And it means your total cover amount, you'll have as little like a 1,300,000 in coverage meets your goal. And if you were to pass away, it looks after your family and see your youngest child turns 18. But then it also you know, in the event of TBD event means that if you're off work because one of the biggest things we do find with TBD is permanent disablement. So if you're at this stage, you're just so young, you know, if you're unable to go back to work ever again, you kind of gotta cover your life so I'll look after your family as long as you possibly can. So that CBD, again, will cover your life until your youngest ten eighteen, and then you've also got your super building on top of that, which is important as well. So it does mean that our exclusion's been loading to the first part of the policy, but we will look at when they can be reviewed, and we'll make sure we do review those with you and have those removed or altered as we can. We also review the policies every year to make sure that they remain in line with what you need with what your goals are, and we can alter those policies as we need to. The way we see insurances to begin with is when you're younger, we need a higher level of cover. We have more debt. We obviously have, you know, family to look after a lot more in the way of expenses, and our super balance is a bit lower. But as our super increases in value, as our debt level decreases, as our needs for insurance decrease, we start to be able to decrease those policies down as well. And the first thing we would look to decrease would be that direct policy. It's obviously the most expensive part of the policy, and that's the one with the loadings and exclusions, so we would look to decrease and alter that policy before we touch anything on the lower part of the policy that doesn't have any loadings or exclusion. Does that make sense? Yep. All good. I would sort of I would sort of suggest if you've got some time later, pull up that section of the document. Have a really good read through it as well because it kinda does outline all that information for you and break it down. I've also got a needs analysis below for you as well, which outlines essentially what we're doing, why we're doing it, and how we got the figures that we have there for you. Some of them when I'm kinda going through it with you, I'm telling you what we're gonna do, how it works, but it can also just take be easy when you take a bit of time for yourself to have a look at the document and read through those sections as well so you can kind of break it down. Okay? All good. Essentially, if you then are able to scroll up to page 23 for me, the fee comparison table, This essentially shows you the outlook of all those recommendations to make it easier on you. Beautiful. So the current has your three super funds at the moment with the balances you have in there at the moment and the fees that you're paying out of those funds currently, the contributions going in, and also your insurance premium. At the moment, when we look at how you invested across the three funds, you're essentially in more of a growth portfolio. You're actually meant to be more of a high growth environment looking to get greater potential returns, working and compounding your super hard towards your retirement. So by making the changes, consolidating the super funds, applying to that newer level of cover through Zurich, and transferring your current insurance to HUB24, we can actually see you would end up with a starting balance of 212,848. Everything is in one place, making it nice and easy for you. You still have administration fees and investment fees and any other fees applicable to the fund, but it's all in one place. The ongoing service fee is still being deducted. Essentially, you do pay off the fee of 1.65% per annum, and that is deducted in smaller monthly increments. And that's our ongoing service, so you can look after your super updating and reflecting your advice and working hard towards your goals. Your contributions will continue to will go in, and we'll have them move to the hub 24. That way, you can continue to receive contributions and build on your super. And then the 3,006, that's essentially the total we expect for the total insurance premium. So that's the transfer of the two current insurance policies and then also the direct policy. And that shows you the best view what we'd expect to come out of your paper. When you look at how the shape yes. Yes. Yeah. Absolutely. We'll provide you with the contributions form, and you just send that to them, and then we'll make sure that they get transferred over. If you wanted to provide us with their emails, we can absolutely email them the information as well. So we'll definitely make sure that happens for you. It's not a problem at all. Okay? With the changes to the investments that we kinda went through above as well, it's important to note that there are so like yourself, your super fund every year does a tax return for you. So in order to make the investment switches, we estimate the CDT to be about $98, very small amount of CDT to be able to change the investment portfolio. And when we look at how everything has been working and the the essentially, the newer portfolio and how it has returned, it's averaged 12.02% over the last five years as well. So on the next page, you've got a projection outcome, and it sort of shows by consolidating, even with applying to the higher level of cover, everything does work in your favor. And over the next five to ten years, we can project you to be in a much greater position than where you would be currently. Does that make sense? Yes. All good. Look. You've got a lot going on. What I'll do is I'll let you go back to have a read through the document. Please let me know if you have any questions in relation to it, Joanne. And did you want me to sort of send you just an email after the call just with a bit of a breakdown on the recommendations as well just to kind of clarify things for you a little bit more? Yep. Yep. Easy. I'll do not a problem at all. What I'll do is I know you have signed the document. Did you want me just to hold off? I will send you the email now, give you some time to read it over, and then you can just email me back and let me know if you'll have the receipt or if there's any changes that you wanna make. Does that sound okay? Yes. Okay. Yeah. So I'll update that for you in the back end. The good thing is because we're not able to apply or we're not applying for new income protection or higher income protection, it won't have any effect on the application with Zurich, but I will make a note in the back end for you. Beautiful. And is is the new role, the secondary role, is that different to what you're doing at the moment? Okay. Director on a board. Beautiful. Lovely. And do you do work for that every week or fortnight? Is there just something you meet on a regular basis to do? Fortnight. Okay. Yeah. You probably do more than you paid for. Yep. Excellent. Not a problem at all. Well, what easy. That's basically the nod of everything for you. Feel free to go back and have a bit of a read through those sections. Just wanna wrap your head around the breakdown of the insurance side of things. Let me know if there is any questions, and I'm just gonna shoot you a quick email now just with a quick breakdown of the recommendations just to kind of help you out. If you have additional questions, come back and let me know. I know it is a lot to go through, and I'm so sorry. It's just about making sure that you you kinda get all that information as well. Okay? No worries. You have a good day. I hope you have a good day, and let me know if there's anything you need, Joanne. Thanks. See you later. 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Oceany Financial. Hi, Joanne. It's Dana from OT. How are you today? I'm very well.\n\nThank you. I just had to book in this morning just to go through the updated advice document with you this now for the time. Yep. Fantastic. No.\n\nI can see that you haven't seen the email. I did send the document through to you there. Are you able to open that at all, or have you had a bit a bit of a look through it already? Oh, fantastic. Did you happen to read through most of the recommendations at all just to kinda get a feel for what we're updating for you?\n\nYeah. That's okay. If you wanna pull you're right. Sorry. Okay.\n\nThat's alright. If you just pull yeah. That's cool. If you pull that one up, we can go through those sections together, and I can go through and make any updates that we do need, which is absolutely fine. Before we jump into the call there, Charlene, I just have to let you know we do record our calls for quality and training purposes.\n\nAre you happy for any difference with that? Fantastic. And just to build really quick security check there with you as well, I just need to confirm your full name, your date of birth, and address for me as well. Yes. Fantastic.\n\nFantastic. Thank you so much. How's your morning been so far? That's okay. Have you at least had your coffee for the morning?\n\nOh, good. The last thing I wanted to go through this with you if you haven't had coffee. I definitely I've already had two. Sorry. All good.\n\nIf you can let me know once you've got that one up in front of you. They're so sorry. Fantastic. All good. Now on the front page, it does note that the per document has been prepared for yourself.\n\nWe completed the document, and we dated the yesterday's date. All of that advice is valid for sixty days after the date on the document. On the bottom there, it does have my licensing information there for you. So I'm prepared by myself and my team here at Oakley Financial, and my license number is 1304394. So, essentially, with the advice system, make it nice and easy for you because I know you've probably got a lot going on.\n\nEssentially, we are looking to keep you in that high growth portfolio. So you are still a high growth investor. The high growth environment does suit your time horizon, so you can't technically access it until the at the earliest, as displayed, is August. So being in that high growth environment gives you access to being able to essentially obtain greater potential returns and compound you know, get greater compounding towards your retirement, but it also means that, you know, we do see some sort of downturns there. We just wanna make sure that you're not able to access that money within the next eight years to be remaining in that environment.\n\nAnd this puts your time horizon, your risk capacity, and your tolerance extremely well. I have just made some changes to your investment portfolio within half twenty four, so we have sort of had a look at things this year and noted that with the ups and downs we've seen this year. And I'm also the page number 20 there for you if you wanted to have a look at that. This is I'm over complicating it for you. But alright.\n\nMhmm. That's okay. You're fine. Done. So the heading on this one is the investment recommended investments for superannuation, and you should see a table with all the investment names below.\n\nMy page is number 20, but yours could be 21 or 22. I know sometimes when we send it electronically, it comes it adds a few different pages on there or changes the page numbers around. That's okay. Did you want me to re email it to you, the version I have here, just to make it easier? Yes.\n\nAbsolutely. I'll just send a separate email real quick to you here. There we go. Just quickly attach it for you. Sorry.\n\nWait for two seconds. Didn't want to send you a blank email. There we go. Okay. I've just sent that one through to you as a separate email with the attachment.\n\nSo when that pops through, if you open that up, and that's essentially the unsigned version that I'm looking at. It might be easier for the pay number there for you. Okay. All good. No worries.\n\nIf my voice goes a little bit high or low or starts to dissipate a little bit, I do apologize. I'm coming off the back end of the cold. So I'm trying to keep my voice trying to keep my voice as clear as possible for you. Gotta love this time of year. Page 20.\n\nYeah. Perfect. So with the hub oh, that's okay. It is quite a lot going on. To make it a bit easier, sort of where you really wanna focus your attention is the red and green is the buy sell column.\n\nThat's essentially what we're gonna transfer. The red is what we're gonna sell investment wise, and the green is what we're essentially going to buy. So with the target balance there, that's essentially what you're going to have in the investments once they've completed the switches. So the first two the first two have come out green, but they should have been red. So what we're gonna do is we're gonna start by, obviously, transferring your insurance cover over into hub twenty four so that you keep the level of cover you have within AWARE and PWSIP.\n\nBut we're gonna transfer that insurance cover over into hub twenty four so you retain that level of cover. We're then gonna transfer and consolidate your super funds. So the money from the Aware and the PWSAP move it into Hub twenty four. And once that's all consolidated together, we're then gonna make some investment changes. So within Hub twenty four, the Bannalong Australian Equities investment has been underperforming a little bit.\n\nThey've had a few troubles this year with their underlying investment, and the investment manager hasn't been able to do very well. So we don't want you to be in anything that's underperforming, so we are gonna remove you solely out of that investment. And then you've also got the ACDCC global lithium and battery tech that has been doing very, very well. But you're a little bit overexposed in that area at the moment, so we're just gonna sell off a bit over a thousand dollars there for you and bring your exposure back to 7%. So you'll have about 14,713 invested in that investment there.\n\nOkay? With the bank hybrids, they are a great investment. Nothing wrong with them. They're defensive in nature. You just have a little bit less than what we would like to see with that investment, so we're gonna buy a little bit more of that.\n\nAnd we're gonna purchase about 5,000 of that and bring your exposure up to 7%. With the VanEck China new economy, again, keeping that investment, it hasn't done too badly. It is still a really good investment. It's more of a niche market to be in, and it helps to provide diversification for you and your portfolio. You're about 3% there at the moment.\n\nWe wanna see about 7% invested, so we're just gonna rebalance you back and buy some more of that investment there. Okay? Physical gold, at the moment, you've got about 9% invested. Really good to have. Physical gold has done some really great growth over the last twelve months.\n\nEveryone's really seen good changes in that. In this last few months, the last from February now, we have been a bit more ups and downs with physical gold and what's been going on globally there. But you're a little bit overexposed at the moment, so we are just gonna sell some of the physical gold, cement some of the gains that have been made, and reduce your exposure back to 7%. You've also got some beta shares. Cyber security.\n\nCyber security has been some ups and downs this year, has been affected very much by what's happening between Iran and The US. You've got about 7.95% at the moment, so those are over exposed. So we're going to essentially bring you back to about 7%. It does actually mean we are buying some of that, though. So you're you currently have 7.95% of your total balance, but when we kind of transfer the funds from the two other super funds and consolidate everything, when we kinda look at how much you'll have, we will need to purchase some more of that investment to rebalance you back to 7%.\n\nOkay? With the S and P 500 there, that is still a really good investment, giving you access and expenses to 500 companies on The US exchange. You actually have about 34.09 of your current portfolio invested in that. We wanna keep up about 30% invested in that. So once we consolidate, it does mean we will have purchase about $5,000 of that investment, and that'll bring you up to 30% of the total once we consolidate.\n\nOkay? So VanEck Australian property, this is giving you exposure to residential and also commercial property. Again, it's really good for the diversification. Has not done too badly at all. At the moment, you've got about 4.36% there.\n\nWe wanna hold about 5% of your total portfolio. Once we do consolidate, it does mean buying a little bit more of that investment, but you'll essentially see about $1,010,000 in there. There's a 10,000 in the investment, and it will be about 5% of your total portfolio. Because we are selling off the Benelon Australian equities at the moment, that will happen shortly because it has been underperforming. We need to replace your Australian exposure in your portfolio.\n\nSo we're actually gonna buy into the beta shares a 200, which is the very bottom one. This essentially gives you greater diversification in your portfolio, and this investment is actually cheaper than the Bennelong investment. So one of the things I did sort of have a look at was Bennelong is more of an actively managed investment option. The investment manager is meant to be buying and selling investments in a way that benefits the market, that gets you greater levels of pretend they're trying to outperform against the greater market as a whole, and they haven't been able to do that. Venmo normally holds anywhere between 15 to 25 different investment options.\n\nSo by selling that off, we're putting you into a more of a passive invested fund for the beta shares a 200. This one tracks the top 200 companies on the ASX. It's actually giving you instead of 15 to 25 different investments from the Australian market, it's actually giving you greater diversification because you'll be tracking the top 200 companies, and it's more of a passively managed fund. So you actually save on fees for having this investment in there, which is really good. Okay?\n\nAnd then we've also got the Raffy a 200 in there as well. This is, again, giving you exposure to 200 companies. We're not overexposing. We're just diversifying. The Raffy does look at small to mid cap stock from the ASF, so we're giving you great diversification there whilst making sure that you do have some Australian exposure on the on the stock market as well.\n\nDoes that make sense? And do you have many questions around that? I try to keep it fairly simple. Perfect. Perfect.\n\nSo, essentially, that's what we wanna do to change your investment portfolio. This year, the ups and downs the market has been. We've wanted to really go back and have a look at how your funds are invested and make sure that you're seeing the right exposure, but that we don't wanna keep any underperforming investments in your portfolio. Okay? As I kinda mentioned before, we are looking to transfer your cover.\n\nSo with the insurance side of things, you originally had the goal that you wanted to make sure that in the event that something was to happen, that you could, you know, pay off any debts that you have. Make sure you're looking after your family. With life and community and income protection, it was really important that you wanted to make sure your kids were looked after in the event that something happened. Cover the debts. At the time, you had about 27,000 in debts to repay, so we were looking to replace that.\n\nBut then also replace your income until your youngest child turns 18, and that was all part of making sure you were looking after your kids. And it's making sure that you had income protection up to the maximum level in the event that something happened. So we had a pre assessment, which we went back and had a really good look at how everything was going and how what was the chance would be offered for the insurances. There is kind of three steps to this recommendation to make sure it is working harder for you. The first step is to transfer your current cover.\n\nSo you do have some group cover within your PWSAP account, and you're aware, Susan, the group cover is a much cheaper option to keep. But because there was on your pre assessment some health conditions that we sort of needed to note about you were taking Ozempic, you had some mental health in the back in the yeah. Previously, and also your upper back and neck, you have seen some pain in those areas. When we preassessed those with the insurers, it did mean that they would exclude any preexisting conditions. So by transferring the insurances you have within Aware and PSAP over to HUB twenty four, that means you keep those insurances exactly as they are.\n\nThere's no exclusions or loadings I'm sorry. No exclusions or loadings on those policies, and that gives you a level of cover that has no exclusions or loading. So it's giving you a base level of cover, and there's no loading or exclusions on that base level. Essentially, in order to sort of give you the level of cover to meet your goal, we then also needed to increase the cover a little bit higher. So we needed to then apply for an extra 900,000 of life and TBD to boost up your life and TBD to meet your goal.\n\nSo it does mean that we are gonna also apply for retail cover with Zurich, but we do expect on the application for that that there will be a mental health exclusion on that higher level. There will be an upper back and neck exclusion and possibly a 50% loading on life and a 100% loading on TV, and, of course, we're not gonna apply for IP. So that will give you the higher level of cover. The transferred amount will not have any loadings or exclusions, so you'll be able to claim on that lower amount for anything additional. And that essentially means that you'll have because that's the one that you've got 261,000 of life and TPD through Aware and a 165,000 of life and TPD with PWSAP.\n\nSo it essentially gives you about $400,000 for the cover there with no loadings or exclusions, and that's the best way to keep that as much as possible. On the extra higher amount of 900,000 of life and TBD, we expect to have the mental health exclusion and the back end or neck exclusion on there. That just essentially means that you won't be able to claim on that higher amount of cover for anything preexisting. The biggest thing to make mention is that if you were to, say, have a new injury and it did hit your back or your neck or something was to happen, you can still claim, essentially, the way Insurer looks at any new injuries that injure your back or neck when you have an exclusion, if they look at if a reasonable person in that same circumstance that didn't have exclusions or loadings on that policy, if they would have the same injury or illness as you, would they be able to claim? Would that be a reasonable claim?\n\nSo it doesn't ever stop you from claiming for the back or neck or mental health. It's just in relation to any previous injuries, damages, or anything that's been preexisting. Does that make sense? Absolutely. Yes.\n\nUh-huh. Yep. Mhmm. Yes. So it really depends.\n\nSo on the the income protection policy that you do have with PWSAP, we're gonna transfer that as well. That will have no exclusions or loading. And if you were to go off work in the short term due to mental health, you'd be more likely to start claiming on income protection. By doing this, you'll still be able to claim on that policy. That won't be affected in any way, shape, or form.\n\nWith the TCV, the first $426,009.78, which is the amount that we're transferring from your two current funds in the hub 20 4, that won't have any exclusions or loading. So if you were TCD for mental health, you would still be able to claim on that level of cover. When it comes to the cover that we're applying for with Zurich, that's the additional 900,000 of TBD, they will then have that mental health exclusion. So that means that you won't be able to claim on the 900,000 of TBD with Zurich because that will be excluded for mental health. In saying that, an exclusion is normally applied for about three to five years.\n\nIf you've had no mental health symptoms or treatment for three to five years, we can absolutely review that, and the exclusion can be removed on that higher amount of cover. Does that make sense? You're welcome to ask me more questions if you need. Yeah. Mhmm.\n\nYep. Yeah. Absolutely. That's okay. So the other option is I mean, this is a recommendation to be able to help you to meet your goal, and it requires just transferring the first level of cover, which there's no exclusions or loadings on.\n\nThat is absolutely kept exactly as it is now. This just the retail cover that we need to apply for to reach your goal. You do, however, have the option of not applying for the retail cover. You don't have to take the part of the recommendation for Zurich, and it just means that we transfer your current cover into Hub twenty four. We consolidate everything, and it means that life and TDD, in the event of a claim, you have a level of cover of $4.26 $9.07 8, the 426,978.\n\nOn that level of cover, there's no explosions or loading. So you will still be able to claim for mental health in the event of something occurring. Does that make sense? Yes. Yeah.\n\nYeah. Yeah. So with transferring the current cover over, that all transfers over. That is a cheaper cover to transfer. We're applying for new insurances.\n\nWe estimated the total cost to come out of super to be $3,006. That's the total of all your insurances wholly. If you just wanted to look at doing the transfer terms and not applying for the Zurich, essentially, in the appendices, we have the difference in the cost, but it works out to be about $900 insurance cost, and you would only have that 400,000 level of cover there. So you don't have to take the retail cover option. You don't have to increase your cover as much as you as we recommended.\n\nWe're just essentially showing you in order to meet your goal, this is what we need to do. These are the disadvantages of doing that. This is the kind of expectation we have based on what we know, and this is the cost of doing that at the same time. But at the same time, you don't have to. If you don't don't don't really want to have the Zurich retail cover, that's absolutely fine.\n\nYou don't have to. As long as you're happy with just having that 400,000 of life in TVE, as I mentioned, we we did look at trying to get income protection. Income protection, you've got about your current cover has about 500 sorry. 5,049 as a monthly benefit, and that it is just a little bit under essentially, the 70% that you would need. But if we tried to apply for more income protection, the cost would be a lot higher, and there would also be those loadings and exclusions there.\n\nSo we're not recommending any additional income protection to be purchased. We're just gonna transfer your current income protection policy over. It will still have the nine day waiting period to either end up screwed for you, but that cover, there'll be no loading or exclusion. So when we tend to go off work, especially for things like mental health or injuries, we tend to have to claim in a certain order. Normally, the first thing we claim on is income protection because we're off work.\n\nWe make that waiting period, so we're off work for ninety days. We then need to make that claim to sort of get us an income replacement, so we claim on income protection. Then if we're still off work and can't go back to work, then we try to claim on CBD. And then if we, you know, pass away or become family ill at the end of the last cover is the last thing to be applied for. So it's just that's the way insurances tend to work the way we claim on things normally.\n\nAs I said, your income protection policy transferring exactly as it is. No loadings or exclusions will be applied on that one. It's just the life and TBD. We'll transfer the cover as is. There'll be nothing no exclusions or loading from that policy either.\n\nIt's just the increase if you decide to go through and apply for that 900,000 with Zurich. You don't have to. It does obviously reduce the insurance cost if you don't apply for that cover with Zurich, but it also means that in the event of a TPD or a life event, you don't have that high level of cover to fall back on. So it's just about what's important to you and what you're comfortable proceeding with, if that makes sense. Yeah.\n\nYeah. Yeah. Absolutely. Absolutely. It's a little bit bit yeah.\n\nYou're right. You're right. That's absolutely fine. I can hear them in the background. So sorry.\n\nYeah. That's all good. It's a little bit because there are three steps to this, it's kind of transferring the cover you have with your two current providers in the hub 24 and then applying for more cover on top of that. There is a little bit to kind of wrap your head around, slightly understandable, but it's important to note that, essentially, out of the total amount of cover you'll have, the first $426,009.78 doesn't have any loading or include, but that is exactly as it is now, which is the benefit. And it means your total cover amount, you'll have as little like a 1,300,000 in coverage meets your goal.\n\nAnd if you were to pass away, it looks after your family and see your youngest child turns 18. But then it also you know, in the event of TBD event means that if you're off work because one of the biggest things we do find with TBD is permanent disablement. So if you're at this stage, you're just so young, you know, if you're unable to go back to work ever again, you kind of gotta cover your life so I'll look after your family as long as you possibly can. So that CBD, again, will cover your life until your youngest ten eighteen, and then you've also got your super building on top of that, which is important as well. So it does mean that our exclusion's been loading to the first part of the policy, but we will look at when they can be reviewed, and we'll make sure we do review those with you and have those removed or altered as we can.\n\nWe also review the policies every year to make sure that they remain in line with what you need with what your goals are, and we can alter those policies as we need to. The way we see insurances to begin with is when you're younger, we need a higher level of cover. We have more debt. We obviously have, you know, family to look after a lot more in the way of expenses, and our super balance is a bit lower. But as our super increases in value, as our debt level decreases, as our needs for insurance decrease, we start to be able to decrease those policies down as well.\n\nAnd the first thing we would look to decrease would be that direct policy. It's obviously the most expensive part of the policy, and that's the one with the loadings and exclusions, so we would look to decrease and alter that policy before we touch anything on the lower part of the policy that doesn't have any loadings or exclusion. Does that make sense? Yep. All good.\n\nI would sort of I would sort of suggest if you've got some time later, pull up that section of the document. Have a really good read through it as well because it kinda does outline all that information for you and break it down. I've also got a needs analysis below for you as well, which outlines essentially what we're doing, why we're doing it, and how we got the figures that we have there for you. Some of them when I'm kinda going through it with you, I'm telling you what we're gonna do, how it works, but it can also just take be easy when you take a bit of time for yourself to have a look at the document and read through those sections as well so you can kind of break it down. Okay?\n\nAll good. Essentially, if you then are able to scroll up to page 23 for me, the fee comparison table, This essentially shows you the outlook of all those recommendations to make it easier on you. Beautiful. So the current has your three super funds at the moment with the balances you have in there at the moment and the fees that you're paying out of those funds currently, the contributions going in, and also your insurance premium. At the moment, when we look at how you invested across the three funds, you're essentially in more of a growth portfolio.\n\nYou're actually meant to be more of a high growth environment looking to get greater potential returns, working and compounding your super hard towards your retirement. So by making the changes, consolidating the super funds, applying to that newer level of cover through Zurich, and transferring your current insurance to HUB24, we can actually see you would end up with a starting balance of 212,848. Everything is in one place, making it nice and easy for you. You still have administration fees and investment fees and any other fees applicable to the fund, but it's all in one place. The ongoing service fee is still being deducted.\n\nEssentially, you do pay off the fee of 1.65% per annum, and that is deducted in smaller monthly increments. And that's our ongoing service, so you can look after your super updating and reflecting your advice and working hard towards your goals. Your contributions will continue to will go in, and we'll have them move to the hub 24. That way, you can continue to receive contributions and build on your super. And then the 3,006, that's essentially the total we expect for the total insurance premium.\n\nSo that's the transfer of the two current insurance policies and then also the direct policy. And that shows you the best view what we'd expect to come out of your paper. When you look at how the shape yes. Yes. Yeah.\n\nAbsolutely. We'll provide you with the contributions form, and you just send that to them, and then we'll make sure that they get transferred over. If you wanted to provide us with their emails, we can absolutely email them the information as well. So we'll definitely make sure that happens for you. It's not a problem at all.\n\nOkay? With the changes to the investments that we kinda went through above as well, it's important to note that there are so like yourself, your super fund every year does a tax return for you. So in order to make the investment switches, we estimate the CDT to be about $98, very small amount of CDT to be able to change the investment portfolio. And when we look at how everything has been working and the the essentially, the newer portfolio and how it has returned, it's averaged 12.02% over the last five years as well. So on the next page, you've got a projection outcome, and it sort of shows by consolidating, even with applying to the higher level of cover, everything does work in your favor.\n\nAnd over the next five to ten years, we can project you to be in a much greater position than where you would be currently. Does that make sense? Yes. All good. Look.\n\nYou've got a lot going on. What I'll do is I'll let you go back to have a read through the document. Please let me know if you have any questions in relation to it, Joanne. And did you want me to sort of send you just an email after the call just with a bit of a breakdown on the recommendations as well just to kind of clarify things for you a little bit more? Yep.\n\nYep. Easy. I'll do not a problem at all. What I'll do is I know you have signed the document. Did you want me just to hold off?\n\nI will send you the email now, give you some time to read it over, and then you can just email me back and let me know if you'll have the receipt or if there's any changes that you wanna make. Does that sound okay? Yes. Okay. Yeah.\n\nSo I'll update that for you in the back end. The good thing is because we're not able to apply or we're not applying for new income protection or higher income protection, it won't have any effect on the application with Zurich, but I will make a note in the back end for you. Beautiful. And is is the new role, the secondary role, is that different to what you're doing at the moment? Okay.\n\nDirector on a board. Beautiful. Lovely. And do you do work for that every week or fortnight? Is there just something you meet on a regular basis to do?\n\nFortnight. Okay. Yeah. You probably do more than you paid for. Yep.\n\nExcellent. Not a problem at all. Well, what easy. That's basically the nod of everything for you. Feel free to go back and have a bit of a read through those sections.\n\nJust wanna wrap your head around the breakdown of the insurance side of things. Let me know if there is any questions, and I'm just gonna shoot you a quick email now just with a quick breakdown of the recommendations just to kind of help you out. If you have additional questions, come back and let me know. I know it is a lot to go through, and I'm so sorry. It's just about making sure that you you kinda get all that information as well.\n\nOkay? No worries. You have a good day. I hope you have a good day, and let me know if there's anything you need, Joanne. Thanks.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Dana, Oceany Financial.","start":6.7999997,"end":8.26,"sentiment":"neutral","sentiment_score":0.052367486680547394},{"text":"Hi, Joanne.","start":21.855,"end":22.575,"sentiment":"neutral","sentiment_score":0.2772849351167679},{"text":"It's Dana from OT.","start":22.575,"end":23.775,"sentiment":"neutral","sentiment_score":0.20622394233942032},{"text":"How are you today?","start":23.775,"end":24.835,"sentiment":"neutral","sentiment_score":0.24706848710775375},{"text":"I'm very well.","start":26.519999,"end":27.56,"sentiment":"positive","sentiment_score":0.5687028964360555}],"sentiment":"neutral","sentiment_score":0.26443442108575255,"num_words":16,"start":6.7999997,"end":27.56},{"sentences":[{"text":"Thank you.","start":27.56,"end":27.96,"sentiment":"positive","sentiment_score":0.6615488231182098},{"text":"I just had to book in this morning just to go through the updated advice document with you this now for the time.","start":27.96,"end":33.26,"sentiment":"neutral","sentiment_score":0.21404765675897183},{"text":"Yep.","start":35.16,"end":35.66,"sentiment":"neutral","sentiment_score":0.2115119993686676},{"text":"Fantastic.","start":35.96,"end":36.46,"sentiment":"positive","sentiment_score":0.3783285617828369},{"text":"No.","start":37.239998,"end":37.48,"sentiment":"neutral","sentiment_score":0.03324120491743088}],"sentiment":"neutral","sentiment_score":0.24533126849148953,"num_words":28,"start":27.56,"end":37.48},{"sentences":[{"text":"I can see that you haven't seen the email.","start":37.48,"end":39.32,"sentiment":"neutral","sentiment_score":0.016254286902646225},{"text":"I did send the document through to you there.","start":39.32,"end":41.475,"sentiment":"neutral","sentiment_score":0.05412630861004194},{"text":"Are you able to open that at all, or have you had a bit a bit of a look through it already?","start":41.614998,"end":45.635,"sentiment":"neutral","sentiment_score":0.048905905674804344},{"text":"Oh, fantastic.","start":48.335,"end":49.394997,"sentiment":"positive","sentiment_score":0.3352518826723099},{"text":"Did you happen to read through most of the recommendations at all just to kinda get a feel for what we're updating for you?","start":50.015,"end":55.795,"sentiment":"neutral","sentiment_score":0.18647856141130129}],"sentiment":"neutral","sentiment_score":0.10386885641932939,"num_words":66,"start":37.48,"end":55.795},{"sentences":[{"text":"Yeah.","start":63.38,"end":63.7,"sentiment":"neutral","sentiment_score":-0.02014477364718914},{"text":"That's okay.","start":63.7,"end":64.34,"sentiment":"neutral","sentiment_score":0.015439802780747414},{"text":"If you wanna pull you're right.","start":64.34,"end":66.1,"sentiment":"neutral","sentiment_score":-0.011217908623317877},{"text":"Sorry.","start":66.1,"end":66.6,"sentiment":"neutral","sentiment_score":-0.08399690687656403},{"text":"Okay.","start":69.155,"end":69.655,"sentiment":"neutral","sentiment_score":0.008577939122915268}],"sentiment":"neutral","sentiment_score":-0.011999235234477303,"num_words":11,"start":63.38,"end":69.655},{"sentences":[{"text":"That's alright.","start":70.115,"end":70.755,"sentiment":"neutral","sentiment_score":0.05589922331273556},{"text":"If you just pull yeah.","start":70.755,"end":72.675,"sentiment":"neutral","sentiment_score":0.06058272272348404},{"text":"That's cool.","start":72.675,"end":73.075,"sentiment":"neutral","sentiment_score":0.23966147005558014},{"text":"If you pull that one up, we can go through those sections together, and I can go through and make any updates that we do need, which is absolutely fine.","start":73.075,"end":80.535,"sentiment":"neutral","sentiment_score":0.1864928424358368},{"text":"Before we jump into the call there, Charlene, I just have to let you know we do record our calls for quality and training purposes.","start":81.16,"end":86.520004,"sentiment":"neutral","sentiment_score":0.03610175684094429}],"sentiment":"neutral","sentiment_score":0.11549006553832442,"num_words":64,"start":70.115,"end":86.520004},{"sentences":[{"text":"Are you happy for any difference with that?","start":86.520004,"end":88.700005,"sentiment":"neutral","sentiment_score":0.04423760902136564},{"text":"Fantastic.","start":90.28,"end":90.78,"sentiment":"neutral","sentiment_score":0.32834592461586},{"text":"And just to build really quick security check there with you as well, I just need to confirm your full name, your date of birth, and address for me as well.","start":91.560005,"end":98.315,"sentiment":"neutral","sentiment_score":0.18502583234540879},{"text":"Yes.","start":102.375,"end":102.875,"sentiment":"neutral","sentiment_score":0.02387665957212448},{"text":"Fantastic.","start":106.63,"end":107.13,"sentiment":"positive","sentiment_score":0.4833604395389557}],"sentiment":"neutral","sentiment_score":0.16488773091917946,"num_words":42,"start":86.520004,"end":107.13},{"sentences":[{"text":"Fantastic.","start":107.67,"end":108.17,"sentiment":"positive","sentiment_score":0.5236085653305054},{"text":"Thank you so much.","start":108.47,"end":109.85,"sentiment":"positive","sentiment_score":0.6132854223251343},{"text":"How's your morning been so far?","start":110.23,"end":112.17,"sentiment":"neutral","sentiment_score":0.20775188008944193},{"text":"That's okay.","start":116.885,"end":117.705,"sentiment":"neutral","sentiment_score":0.1824469417333603},{"text":"Have you at least had your coffee for the morning?","start":117.925,"end":120.265,"sentiment":"neutral","sentiment_score":0.1146011233329773}],"sentiment":"neutral","sentiment_score":0.24931159356366034,"num_words":23,"start":107.67,"end":120.265},{"sentences":[{"text":"Oh, good.","start":121.525,"end":122.345,"sentiment":"neutral","sentiment_score":0.10048652440309525},{"text":"The last thing I wanted to go through this with you if you haven't had coffee.","start":123.765,"end":126.965,"sentiment":"neutral","sentiment_score":-0.001175780751509592},{"text":"I definitely I've already had two.","start":126.965,"end":128.565,"sentiment":"neutral","sentiment_score":0.07186544127762318},{"text":"Sorry.","start":128.565,"end":129.065,"sentiment":"neutral","sentiment_score":0.042502544820308685},{"text":"All good.","start":132.07,"end":132.97,"sentiment":"positive","sentiment_score":0.3605813533067703}],"sentiment":"neutral","sentiment_score":0.051000683551171315,"num_words":27,"start":121.525,"end":132.97},{"sentences":[{"text":"If you can let me know once you've got that one up in front of you.","start":133.03,"end":136.15,"sentiment":"neutral","sentiment_score":0.11301452317275107},{"text":"They're so sorry.","start":136.15,"end":137.13,"sentiment":"neutral","sentiment_score":0.016936783368388813},{"text":"Fantastic.","start":137.75,"end":138.25,"sentiment":"positive","sentiment_score":0.7143409252166748},{"text":"All good.","start":140.71,"end":141.45,"sentiment":"positive","sentiment_score":0.5126899629831314},{"text":"Now on the front page, it does note that the per document has been prepared for yourself.","start":141.91,"end":146.22499,"sentiment":"neutral","sentiment_score":0.07258245283189942}],"sentiment":"neutral","sentiment_score":0.12391449410754901,"num_words":39,"start":133.03,"end":146.22499},{"sentences":[{"text":"We completed the document, and we dated the yesterday's date.","start":146.44499,"end":149.405,"sentiment":"neutral","sentiment_score":0.0867180235683918},{"text":"All of that advice is valid for sixty days after the date on the document.","start":149.405,"end":152.86499,"sentiment":"neutral","sentiment_score":0.07620086272557576},{"text":"On the bottom there, it does have my licensing information there for you.","start":153.405,"end":156.44499,"sentiment":"neutral","sentiment_score":0.08610837190197064},{"text":"So I'm prepared by myself and my team here at Oakley Financial, and my license number is 1304394.","start":156.44499,"end":163.32,"sentiment":"neutral","sentiment_score":0.0774368979036808},{"text":"So, essentially, with the advice system, make it nice and easy for you because I know you've probably got a lot going on.","start":164.18001,"end":169.72,"sentiment":"neutral","sentiment_score":0.23883580448834793}],"sentiment":"neutral","sentiment_score":0.12679354021254974,"num_words":79,"start":146.44499,"end":169.72},{"sentences":[{"text":"Essentially, we are looking to keep you in that high growth portfolio.","start":169.94,"end":173.08,"sentiment":"neutral","sentiment_score":0.13392672563592592},{"text":"So you are still a high growth investor.","start":173.38,"end":176.285,"sentiment":"neutral","sentiment_score":0.1427527517080307},{"text":"The high growth environment does suit your time horizon, so you can't technically access it until the at the earliest, as displayed, is August.","start":176.345,"end":184.925,"sentiment":"neutral","sentiment_score":0.10745364148169756},{"text":"So being in that high growth environment gives you access to being able to essentially obtain greater potential returns and compound you know, get greater compounding towards your retirement, but it also means that, you know, we do see some sort of downturns there.","start":185.065,"end":198.9,"sentiment":"neutral","sentiment_score":0.10549085197800939},{"text":"We just wanna make sure that you're not able to access that money within the next eight years to be remaining in that environment.","start":198.9,"end":205.185,"sentiment":"neutral","sentiment_score":-0.02299282979220152}],"sentiment":"neutral","sentiment_score":0.08408749722210425,"num_words":112,"start":169.94,"end":205.185},{"sentences":[{"text":"And this puts your time horizon, your risk capacity, and your tolerance extremely well.","start":205.485,"end":209.985,"sentiment":"neutral","sentiment_score":0.05412930329995496},{"text":"I have just made some changes to your investment portfolio within half twenty four, so we have sort of had a look at things this year and noted that with the ups and downs we've seen this year.","start":211.245,"end":221.28,"sentiment":"neutral","sentiment_score":0.024282530734413547},{"text":"And I'm also the page number 20 there for you if you wanted to have a look at that.","start":221.34,"end":226.14,"sentiment":"neutral","sentiment_score":0.022803044044657758},{"text":"This is I'm over complicating it for you.","start":226.14,"end":229.04,"sentiment":"neutral","sentiment_score":-0.2645739484578371},{"text":"But alright.","start":230.06,"end":233.80501,"sentiment":"neutral","sentiment_score":-0.03247195761650801}],"sentiment":"neutral","sentiment_score":-0.0008361882955571752,"num_words":81,"start":205.485,"end":233.80501},{"sentences":[{"text":"Mhmm.","start":239.545,"end":240.045,"sentiment":"neutral","sentiment_score":-0.007678681053221226},{"text":"That's okay.","start":245.96,"end":246.68,"sentiment":"neutral","sentiment_score":0.007084376411512494},{"text":"You're fine.","start":246.68,"end":247.5,"sentiment":"positive","sentiment_score":0.45602214336395264},{"text":"Done.","start":258.695,"end":259.195,"sentiment":"neutral","sentiment_score":0.181437224149704},{"text":"So the heading on this one is the investment recommended investments for superannuation, and you should see a table with all the investment names below.","start":259.655,"end":268.155,"sentiment":"neutral","sentiment_score":0.138665392100811}],"sentiment":"neutral","sentiment_score":0.14730988339250606,"num_words":31,"start":239.545,"end":268.155},{"sentences":[{"text":"My page is number 20, but yours could be 21 or 22.","start":276.68,"end":279.88,"sentiment":"neutral","sentiment_score":0.050895798951387405},{"text":"I know sometimes when we send it electronically, it comes it adds a few different pages on there or changes the page numbers around.","start":279.88,"end":286.285,"sentiment":"neutral","sentiment_score":0.023722641325245302},{"text":"That's okay.","start":290.58502,"end":291.385,"sentiment":"neutral","sentiment_score":0.18249212950468063},{"text":"Did you want me to re email it to you, the version I have here, just to make it easier?","start":291.385,"end":295.64502,"sentiment":"neutral","sentiment_score":0.09060616083443165},{"text":"Yes.","start":296.665,"end":297.165,"sentiment":"neutral","sentiment_score":0.3192477822303772}],"sentiment":"neutral","sentiment_score":0.0623126819856086,"num_words":59,"start":276.68,"end":297.165},{"sentences":[{"text":"Absolutely.","start":298.41998,"end":298.91998,"sentiment":"positive","sentiment_score":0.446705162525177},{"text":"I'll just send a separate email real quick to you here.","start":299.3,"end":302.44,"sentiment":"neutral","sentiment_score":0.2534366263584657},{"text":"There we go.","start":311.68503,"end":317.46503,"sentiment":"neutral","sentiment_score":0.1942724585533142},{"text":"Just quickly attach it for you.","start":323.7,"end":326.02,"sentiment":"neutral","sentiment_score":0.15433558076620102},{"text":"Sorry.","start":326.02,"end":326.42,"sentiment":"neutral","sentiment_score":-0.02140729688107967}],"sentiment":"neutral","sentiment_score":0.21463325526565313,"num_words":22,"start":298.41998,"end":326.42},{"sentences":[{"text":"Wait for two seconds.","start":326.42,"end":327.62,"sentiment":"neutral","sentiment_score":-0.03142760880291462},{"text":"Didn't want to send you a blank email.","start":327.62,"end":329.48,"sentiment":"neutral","sentiment_score":-0.08108672895468771},{"text":"There we go.","start":330.66,"end":331.63998,"sentiment":"neutral","sentiment_score":0.022094788650671642},{"text":"Okay.","start":333.7,"end":334.1,"sentiment":"neutral","sentiment_score":0.11406730115413666},{"text":"I've just sent that one through to you as a separate email with the attachment.","start":334.1,"end":337.915,"sentiment":"neutral","sentiment_score":0.14325059801340104}],"sentiment":"neutral","sentiment_score":0.05015181840187119,"num_words":31,"start":326.42,"end":337.915},{"sentences":[{"text":"So when that pops through, if you open that up, and that's essentially the unsigned version that I'm looking at.","start":338.61502,"end":343.495,"sentiment":"neutral","sentiment_score":0.09851371869444847},{"text":"It might be easier for the pay number there for you.","start":343.495,"end":346.215,"sentiment":"neutral","sentiment_score":0.09851497682658109},{"text":"Okay.","start":346.215,"end":346.715,"sentiment":"neutral","sentiment_score":0.10300381481647491},{"text":"All good.","start":349.59,"end":350.33,"sentiment":"positive","sentiment_score":0.37060169875621796},{"text":"No worries.","start":350.71,"end":351.27,"sentiment":"neutral","sentiment_score":0.09306082874536514}],"sentiment":"neutral","sentiment_score":0.11345188857780562,"num_words":36,"start":338.61502,"end":351.27},{"sentences":[{"text":"If my voice goes a little bit high or low or starts to dissipate a little bit, I do apologize.","start":351.27,"end":356.09,"sentiment":"neutral","sentiment_score":-0.2097032617777586},{"text":"I'm coming off the back end of the cold.","start":356.15,"end":358.07,"sentiment":"negative","sentiment_score":-0.3590170741081238},{"text":"So I'm trying to keep my voice trying to keep my voice as clear as possible for you.","start":358.07,"end":364.615,"sentiment":"neutral","sentiment_score":0.007210855682690938},{"text":"Gotta love this time of year.","start":365.475,"end":367.335,"sentiment":"positive","sentiment_score":0.39654361953337985},{"text":"Page 20.","start":371.715,"end":372.615,"sentiment":"neutral","sentiment_score":0.023884599097073078}],"sentiment":"neutral","sentiment_score":-0.08851622881537134,"num_words":55,"start":351.27,"end":372.615},{"sentences":[{"text":"Yeah.","start":373.155,"end":373.655,"sentiment":"neutral","sentiment_score":0.0448656901717186},{"text":"Perfect.","start":379.36002,"end":379.86002,"sentiment":"positive","sentiment_score":0.3635934889316559},{"text":"So with the hub oh, that's okay.","start":380.80002,"end":384.5,"sentiment":"neutral","sentiment_score":0.013702640576022012},{"text":"It is quite a lot going on.","start":385.2,"end":386.80002,"sentiment":"neutral","sentiment_score":0.0771088834319796},{"text":"To make it a bit easier, sort of where you really wanna focus your attention is the red and green is the buy sell column.","start":386.80002,"end":392.825,"sentiment":"neutral","sentiment_score":0.1796121919155121}],"sentiment":"neutral","sentiment_score":0.1349864547572485,"num_words":41,"start":373.155,"end":392.825},{"sentences":[{"text":"That's essentially what we're gonna transfer.","start":392.825,"end":394.685,"sentiment":"neutral","sentiment_score":0.07091599268217881},{"text":"The red is what we're gonna sell investment wise, and the green is what we're essentially going to buy.","start":395.625,"end":400.265,"sentiment":"neutral","sentiment_score":0.049941065280061016},{"text":"So with the target balance there, that's essentially what you're going to have in the investments once they've completed the switches.","start":400.265,"end":407.37,"sentiment":"neutral","sentiment_score":0.07218752978813081},{"text":"So the first two the first two have come out green, but they should have been red.","start":408.38998,"end":413.11,"sentiment":"neutral","sentiment_score":0.0621384547694641},{"text":"So what we're gonna do is we're gonna start by, obviously, transferring your insurance cover over into hub twenty four so that you keep the level of cover you have within AWARE and PWSIP.","start":413.11,"end":422.675,"sentiment":"neutral","sentiment_score":0.06179868457291056}],"sentiment":"neutral","sentiment_score":0.06234869410850338,"num_words":97,"start":392.825,"end":422.675},{"sentences":[{"text":"But we're gonna transfer that insurance cover over into hub twenty four so you retain that level of cover.","start":423.375,"end":429.07498,"sentiment":"neutral","sentiment_score":0.03815469067347677},{"text":"We're then gonna transfer and consolidate your super funds.","start":429.69498,"end":433.13498,"sentiment":"neutral","sentiment_score":0.0365552082657814},{"text":"So the money from the Aware and the PWSAP move it into Hub twenty four.","start":433.13498,"end":437.85,"sentiment":"neutral","sentiment_score":0.030691071103016537},{"text":"And once that's all consolidated together, we're then gonna make some investment changes.","start":437.99,"end":442.25,"sentiment":"neutral","sentiment_score":0.025637140354284875},{"text":"So within Hub twenty four, the Bannalong Australian Equities investment has been underperforming a little bit.","start":442.38998,"end":448.79498,"sentiment":"neutral","sentiment_score":-0.13387292728293687}],"sentiment":"neutral","sentiment_score":-0.004088638169277046,"num_words":72,"start":423.375,"end":448.79498},{"sentences":[{"text":"They've had a few troubles this year with their underlying investment, and the investment manager hasn't been able to do very well.","start":448.79498,"end":455.115,"sentiment":"negative","sentiment_score":-0.33640351620587433},{"text":"So we don't want you to be in anything that's underperforming, so we are gonna remove you solely out of that investment.","start":455.115,"end":461.055,"sentiment":"neutral","sentiment_score":-0.3091244792396372},{"text":"And then you've also got the ACDCC global lithium and battery tech that has been doing very, very well.","start":461.58,"end":467.84,"sentiment":"neutral","sentiment_score":-0.03621696661177434},{"text":"But you're a little bit overexposed in that area at the moment, so we're just gonna sell off a bit over a thousand dollars there for you and bring your exposure back to 7%.","start":468.13998,"end":476.985,"sentiment":"neutral","sentiment_score":-0.09625767017988597},{"text":"So you'll have about 14,713 invested in that investment there.","start":476.985,"end":481.725,"sentiment":"neutral","sentiment_score":0.028226670622825623}],"sentiment":"neutral","sentiment_score":-0.16710497518983958,"num_words":107,"start":448.79498,"end":481.725},{"sentences":[{"text":"Okay?","start":483.145,"end":483.625,"sentiment":"neutral","sentiment_score":0.13891199231147766},{"text":"With the bank hybrids, they are a great investment.","start":483.625,"end":486.425,"sentiment":"positive","sentiment_score":0.5228204528490702},{"text":"Nothing wrong with them.","start":486.425,"end":487.22498,"sentiment":"positive","sentiment_score":0.38132618367671967},{"text":"They're defensive in nature.","start":487.22498,"end":488.76498,"sentiment":"neutral","sentiment_score":0.206083782017231},{"text":"You just have a little bit less than what we would like to see with that investment, so we're gonna buy a little bit more of that.","start":489.06,"end":494.26,"sentiment":"neutral","sentiment_score":0.04945997535078614}],"sentiment":"neutral","sentiment_score":0.18954122811555862,"num_words":45,"start":483.145,"end":494.26},{"sentences":[{"text":"And we're gonna purchase about 5,000 of that and bring your exposure up to 7%.","start":494.26,"end":499.88,"sentiment":"neutral","sentiment_score":0.13637573619683582},{"text":"With the VanEck China new economy, again, keeping that investment, it hasn't done too badly.","start":500.5,"end":505.965,"sentiment":"neutral","sentiment_score":0.2181107188264529},{"text":"It is still a really good investment.","start":505.965,"end":507.405,"sentiment":"positive","sentiment_score":0.5057722346058914},{"text":"It's more of a niche market to be in, and it helps to provide diversification for you and your portfolio.","start":507.405,"end":513.02496,"sentiment":"positive","sentiment_score":0.3818127945065498},{"text":"You're about 3% there at the moment.","start":513.725,"end":515.645,"sentiment":"neutral","sentiment_score":0.15183427397693908}],"sentiment":"neutral","sentiment_score":0.2743249730556272,"num_words":64,"start":494.26,"end":515.645},{"sentences":[{"text":"We wanna see about 7% invested, so we're just gonna rebalance you back and buy some more of that investment there.","start":515.645,"end":522.12,"sentiment":"neutral","sentiment_score":0.17297596023196266},{"text":"Okay?","start":522.12,"end":522.62,"sentiment":"neutral","sentiment_score":0.08179415762424469},{"text":"Physical gold, at the moment, you've got about 9% invested.","start":524.2,"end":527.74,"sentiment":"neutral","sentiment_score":0.18000131100416183},{"text":"Really good to have.","start":528.28,"end":529.24,"sentiment":"positive","sentiment_score":0.6595750898122787},{"text":"Physical gold has done some really great growth over the last twelve months.","start":529.24,"end":532.555,"sentiment":"positive","sentiment_score":0.5824961822766525}],"sentiment":"neutral","sentiment_score":0.3209194522731158,"num_words":49,"start":515.645,"end":532.555},{"sentences":[{"text":"Everyone's really seen good changes in that.","start":532.555,"end":536.075,"sentiment":"positive","sentiment_score":0.4476462347166879},{"text":"In this last few months, the last from February now, we have been a bit more ups and downs with physical gold and what's been going on globally there.","start":536.075,"end":544.495,"sentiment":"neutral","sentiment_score":-0.09532400952844784},{"text":"But you're a little bit overexposed at the moment, so we are just gonna sell some of the physical gold, cement some of the gains that have been made, and reduce your exposure back to 7%.","start":544.99005,"end":554.53,"sentiment":"neutral","sentiment_score":0.04857674137585693},{"text":"You've also got some beta shares.","start":556.11005,"end":557.79004,"sentiment":"neutral","sentiment_score":0.040081415635844074},{"text":"Cyber security.","start":557.79004,"end":558.90497,"sentiment":"neutral","sentiment_score":-0.010467495769262312}],"sentiment":"neutral","sentiment_score":0.029218044481240213,"num_words":80,"start":532.555,"end":558.90497},{"sentences":[{"text":"Cyber security has been some ups and downs this year, has been affected very much by what's happening between Iran and The US.","start":558.90497,"end":565.485,"sentiment":"neutral","sentiment_score":-0.12034936994314194},{"text":"You've got about 7.95% at the moment, so those are over exposed.","start":565.625,"end":570.185,"sentiment":"neutral","sentiment_score":-0.07189352173979084},{"text":"So we're going to essentially bring you back to about 7%.","start":570.185,"end":573.725,"sentiment":"neutral","sentiment_score":0.07911381430246613},{"text":"It does actually mean we are buying some of that, though.","start":574.33,"end":576.89,"sentiment":"neutral","sentiment_score":0.09815819019621069},{"text":"So you're you currently have 7.95% of your total balance, but when we kind of transfer the funds from the two other super funds and consolidate everything, when we kinda look at how much you'll have, we will need to purchase some more of that investment to rebalance you back to 7%.","start":576.89,"end":594.865,"sentiment":"neutral","sentiment_score":0.053091924565915875}],"sentiment":"neutral","sentiment_score":0.009908388599479965,"num_words":109,"start":558.90497,"end":594.865},{"sentences":[{"text":"Okay?","start":594.925,"end":595.425,"sentiment":"neutral","sentiment_score":0.0415278896689415},{"text":"With the S and P 500 there, that is still a really good investment, giving you access and expenses to 500 companies on The US exchange.","start":597.08496,"end":605.06,"sentiment":"neutral","sentiment_score":0.3176037199222125},{"text":"You actually have about 34.09 of your current portfolio invested in that.","start":605.52,"end":610.66,"sentiment":"neutral","sentiment_score":0.21546288703878722},{"text":"We wanna keep up about 30% invested in that.","start":610.96,"end":613.44,"sentiment":"neutral","sentiment_score":0.2650810546345181},{"text":"So once we consolidate, it does mean we will have purchase about $5,000 of that investment, and that'll bring you up to 30% of the total once we consolidate.","start":613.44,"end":622.125,"sentiment":"neutral","sentiment_score":0.22502818652268114}],"sentiment":"neutral","sentiment_score":0.25709514484390034,"num_words":77,"start":594.925,"end":622.125},{"sentences":[{"text":"Okay?","start":622.505,"end":623.005,"sentiment":"neutral","sentiment_score":0.106067955493927},{"text":"So VanEck Australian property, this is giving you exposure to residential and also commercial property.","start":624.66504,"end":629.625,"sentiment":"neutral","sentiment_score":0.20295961797237397},{"text":"Again, it's really good for the diversification.","start":629.625,"end":631.56,"sentiment":"positive","sentiment_score":0.5532002917357853},{"text":"Has not done too badly at all.","start":632.34,"end":634.10004,"sentiment":"neutral","sentiment_score":0.008373295622212546},{"text":"At the moment, you've got about 4.36% there.","start":634.10004,"end":637.14,"sentiment":"neutral","sentiment_score":0.07852798933163285}],"sentiment":"neutral","sentiment_score":0.20288687503259434,"num_words":38,"start":622.505,"end":637.14},{"sentences":[{"text":"We wanna hold about 5% of your total portfolio.","start":637.14,"end":639.88,"sentiment":"neutral","sentiment_score":0.09404267867406209},{"text":"Once we do consolidate, it does mean buying a little bit more of that investment, but you'll essentially see about $1,010,000 in there.","start":640.26,"end":647.685,"sentiment":"neutral","sentiment_score":0.11128448468187581},{"text":"There's a 10,000 in the investment, and it will be about 5% of your total portfolio.","start":647.685,"end":652.025,"sentiment":"neutral","sentiment_score":0.13477357663214207},{"text":"Because we are selling off the Benelon Australian equities at the moment, that will happen shortly because it has been underperforming.","start":653.125,"end":660.54,"sentiment":"neutral","sentiment_score":-0.1343548328039192},{"text":"We need to replace your Australian exposure in your portfolio.","start":660.92,"end":664.77997,"sentiment":"neutral","sentiment_score":-0.10155919753015041}],"sentiment":"neutral","sentiment_score":0.021838747059242634,"num_words":79,"start":637.14,"end":664.77997},{"sentences":[{"text":"So we're actually gonna buy into the beta shares a 200, which is the very bottom one.","start":665.16,"end":669.585,"sentiment":"neutral","sentiment_score":0.1572860334725941},{"text":"This essentially gives you greater diversification in your portfolio, and this investment is actually cheaper than the Bennelong investment.","start":670.145,"end":677.445,"sentiment":"positive","sentiment_score":0.36917029870183843},{"text":"So one of the things I did sort of have a look at was Bennelong is more of an actively managed investment option.","start":678.145,"end":684.69,"sentiment":"neutral","sentiment_score":0.19480137462201325},{"text":"The investment manager is meant to be buying and selling investments in a way that benefits the market, that gets you greater levels of pretend they're trying to outperform against the greater market as a whole, and they haven't been able to do that.","start":684.69,"end":697.065,"sentiment":"neutral","sentiment_score":0.24595440551638603},{"text":"Venmo normally holds anywhere between 15 to 25 different investment options.","start":697.545,"end":702.125,"sentiment":"neutral","sentiment_score":0.07093602757562291}],"sentiment":"neutral","sentiment_score":0.22605982462042257,"num_words":114,"start":665.16,"end":702.125},{"sentences":[{"text":"So by selling that off, we're putting you into a more of a passive invested fund for the beta shares a 200.","start":702.425,"end":708.445,"sentiment":"neutral","sentiment_score":0.18887402828444133},{"text":"This one tracks the top 200 companies on the ASX.","start":708.745,"end":711.885,"sentiment":"neutral","sentiment_score":0.3127305120229721},{"text":"It's actually giving you instead of 15 to 25 different investments from the Australian market, it's actually giving you greater diversification because you'll be tracking the top 200 companies, and it's more of a passively managed fund.","start":712.62,"end":724.825,"sentiment":"positive","sentiment_score":0.41719701161255707},{"text":"So you actually save on fees for having this investment in there, which is really good.","start":724.825,"end":729.165,"sentiment":"positive","sentiment_score":0.6759210489690304},{"text":"Okay?","start":729.225,"end":729.725,"sentiment":"neutral","sentiment_score":0.30421680212020874}],"sentiment":"positive","sentiment_score":0.3934625204392644,"num_words":86,"start":702.425,"end":729.725},{"sentences":[{"text":"And then we've also got the Raffy a 200 in there as well.","start":731.14496,"end":735.245,"sentiment":"neutral","sentiment_score":0.25938478799966663},{"text":"This is, again, giving you exposure to 200 companies.","start":735.305,"end":737.91003,"sentiment":"neutral","sentiment_score":0.2651628918117947},{"text":"We're not overexposing.","start":737.91003,"end":738.73004,"sentiment":"neutral","sentiment_score":0.22284260392189026},{"text":"We're just diversifying.","start":738.95,"end":739.85004,"sentiment":"neutral","sentiment_score":0.30897367000579834},{"text":"The Raffy does look at small to mid cap stock from the ASF, so we're giving you great diversification there whilst making sure that you do have some Australian exposure on the on the stock market as well.","start":740.07,"end":750.975,"sentiment":"positive","sentiment_score":0.42210841806311356}],"sentiment":"positive","sentiment_score":0.35445510573459393,"num_words":66,"start":731.14496,"end":750.975},{"sentences":[{"text":"Does that make sense?","start":751.055,"end":751.855,"sentiment":"neutral","sentiment_score":0.2812710478901863},{"text":"And do you have many questions around that?","start":751.855,"end":754.01495,"sentiment":"neutral","sentiment_score":0.08199819922447205},{"text":"I try to keep it fairly simple.","start":754.01495,"end":755.795,"sentiment":"neutral","sentiment_score":0.14193906209298543},{"text":"Perfect.","start":758.975,"end":759.475,"sentiment":"positive","sentiment_score":0.7662221193313599},{"text":"Perfect.","start":759.69495,"end":760.175,"sentiment":"positive","sentiment_score":0.6805202960968018}],"sentiment":"neutral","sentiment_score":0.20101836359217054,"num_words":21,"start":751.055,"end":760.175},{"sentences":[{"text":"So, essentially, that's what we wanna do to change your investment portfolio.","start":760.175,"end":763.315,"sentiment":"neutral","sentiment_score":0.20782121208806834},{"text":"This year, the ups and downs the market has been.","start":763.375,"end":765.535,"sentiment":"neutral","sentiment_score":-0.0006507333368062973},{"text":"We've wanted to really go back and have a look at how your funds are invested and make sure that you're seeing the right exposure, but that we don't wanna keep any underperforming investments in your portfolio.","start":765.535,"end":775.12,"sentiment":"neutral","sentiment_score":0.05992184370454099},{"text":"Okay?","start":775.42004,"end":775.92004,"sentiment":"neutral","sentiment_score":0.09103953093290328},{"text":"As I kinda mentioned before, we are looking to transfer your cover.","start":778.53503,"end":781.73505,"sentiment":"neutral","sentiment_score":0.07202917694424589}],"sentiment":"neutral","sentiment_score":0.07860895948639761,"num_words":72,"start":760.175,"end":781.73505},{"sentences":[{"text":"So with the insurance side of things, you originally had the goal that you wanted to make sure that in the event that something was to happen, that you could, you know, pay off any debts that you have.","start":781.73505,"end":792.7,"sentiment":"neutral","sentiment_score":0.24630364126119858},{"text":"Make sure you're looking after your family.","start":792.7,"end":794.48,"sentiment":"positive","sentiment_score":0.3848490161555154},{"text":"With life and community and income protection, it was really important that you wanted to make sure your kids were looked after in the event that something happened.","start":794.86,"end":801.27997,"sentiment":"neutral","sentiment_score":0.32756887802055906},{"text":"Cover the debts.","start":801.42,"end":802.3,"sentiment":"neutral","sentiment_score":0.06789534787336986},{"text":"At the time, you had about 27,000 in debts to repay, so we were looking to replace that.","start":802.3,"end":808.41504,"sentiment":"neutral","sentiment_score":0.04366138701637586}],"sentiment":"neutral","sentiment_score":0.23643478649227243,"num_words":95,"start":781.73505,"end":808.41504},{"sentences":[{"text":"But then also replace your income until your youngest child turns 18, and that was all part of making sure you were looking after your kids.","start":808.47504,"end":815.85504,"sentiment":"neutral","sentiment_score":0.21083742552078688},{"text":"And it's making sure that you had income protection up to the maximum level in the event that something happened.","start":815.91504,"end":821.13,"sentiment":"neutral","sentiment_score":0.18522404097020626},{"text":"So we had a pre assessment, which we went back and had a really good look at how everything was going and how what was the chance would be offered for the insurances.","start":821.13,"end":830.83,"sentiment":"neutral","sentiment_score":0.048712369996461675},{"text":"There is kind of three steps to this recommendation to make sure it is working harder for you.","start":831.77,"end":836.99,"sentiment":"neutral","sentiment_score":0.027054432986511126},{"text":"The first step is to transfer your current cover.","start":837.425,"end":840.32495,"sentiment":"neutral","sentiment_score":0.03107756334874365}],"sentiment":"neutral","sentiment_score":0.10906075430871427,"num_words":106,"start":808.47504,"end":840.32495},{"sentences":[{"text":"So you do have some group cover within your PWSAP account, and you're aware, Susan, the group cover is a much cheaper option to keep.","start":840.70496,"end":850.245,"sentiment":"neutral","sentiment_score":0.12731309056282045},{"text":"But because there was on your pre assessment some health conditions that we sort of needed to note about you were taking Ozempic, you had some mental health in the back in the yeah.","start":850.305,"end":860.23,"sentiment":"neutral","sentiment_score":-0.05759500734069768},{"text":"Previously, and also your upper back and neck, you have seen some pain in those areas.","start":860.23,"end":866.17,"sentiment":"neutral","sentiment_score":-0.0912683627102524},{"text":"When we preassessed those with the insurers, it did mean that they would exclude any preexisting conditions.","start":866.445,"end":872.945,"sentiment":"neutral","sentiment_score":-0.0382428980048965},{"text":"So by transferring the insurances you have within Aware and PSAP over to HUB twenty four, that means you keep those insurances exactly as they are.","start":873.645,"end":883.4,"sentiment":"neutral","sentiment_score":0.16283477857135809}],"sentiment":"neutral","sentiment_score":0.028371849049956113,"num_words":118,"start":840.70496,"end":883.4},{"sentences":[{"text":"There's no exclusions or loadings I'm sorry.","start":883.4,"end":886.04004,"sentiment":"neutral","sentiment_score":-0.050385184586048126},{"text":"No exclusions or loadings on those policies, and that gives you a level of cover that has no exclusions or loading.","start":886.04004,"end":892.7,"sentiment":"neutral","sentiment_score":0.1319570638505476},{"text":"So it's giving you a base level of cover, and there's no loading or exclusions on that base level.","start":892.76,"end":899.385,"sentiment":"positive","sentiment_score":0.4173154470167662},{"text":"Essentially, in order to sort of give you the level of cover to meet your goal, we then also needed to increase the cover a little bit higher.","start":900.485,"end":908.105,"sentiment":"positive","sentiment_score":0.34107289143971037},{"text":"So we needed to then apply for an extra 900,000 of life and TBD to boost up your life and TBD to meet your goal.","start":908.5,"end":916.12006,"sentiment":"positive","sentiment_score":0.3518134617805481}],"sentiment":"neutral","sentiment_score":0.28692773046903314,"num_words":100,"start":883.4,"end":916.12006},{"sentences":[{"text":"So it does mean that we are gonna also apply for retail cover with Zurich, but we do expect on the application for that that there will be a mental health exclusion on that higher level.","start":916.26,"end":927.57495,"sentiment":"neutral","sentiment_score":0.06726930828558074},{"text":"There will be an upper back and neck exclusion and possibly a 50% loading on life and a 100% loading on TV, and, of course, we're not gonna apply for IP.","start":927.71497,"end":937.35,"sentiment":"neutral","sentiment_score":0.025439357204783346},{"text":"So that will give you the higher level of cover.","start":938.85,"end":941.35,"sentiment":"neutral","sentiment_score":0.28992279171943663},{"text":"The transferred amount will not have any loadings or exclusions, so you'll be able to claim on that lower amount for anything additional.","start":941.73,"end":948.87,"sentiment":"positive","sentiment_score":0.3871599124825519},{"text":"And that essentially means that you'll have because that's the one that you've got 261,000 of life and TPD through Aware and a 165,000 of life and TPD with PWSAP.","start":949.385,"end":961.085,"sentiment":"positive","sentiment_score":0.4129192401965459}],"sentiment":"neutral","sentiment_score":0.21078306370629715,"num_words":130,"start":916.26,"end":961.085},{"sentences":[{"text":"So it essentially gives you about $400,000 for the cover there with no loadings or exclusions, and that's the best way to keep that as much as possible.","start":961.64996,"end":969.82996,"sentiment":"positive","sentiment_score":0.41219937136130674},{"text":"On the extra higher amount of 900,000 of life and TBD, we expect to have the mental health exclusion and the back end or neck exclusion on there.","start":970.20996,"end":978.955,"sentiment":"neutral","sentiment_score":0.08046857347445828},{"text":"That just essentially means that you won't be able to claim on that higher amount of cover for anything preexisting.","start":979.09503,"end":984.715,"sentiment":"neutral","sentiment_score":0.12311832010746002},{"text":"The biggest thing to make mention is that if you were to, say, have a new injury and it did hit your back or your neck or something was to happen, you can still claim, essentially, the way Insurer looks at any new injuries that injure your back or neck when you have an exclusion, if they look at if a reasonable person in that same circumstance that didn't have exclusions or loadings on that policy, if they would have the same injury or illness as you, would they be able to claim?","start":985.41504,"end":1015.405,"sentiment":"neutral","sentiment_score":-0.10436609711858534},{"text":"Would that be a reasonable claim?","start":1015.465,"end":1017.16504,"sentiment":"neutral","sentiment_score":0.04152498890956243}],"sentiment":"neutral","sentiment_score":0.038858124337026054,"num_words":175,"start":961.64996,"end":1017.16504},{"sentences":[{"text":"So it doesn't ever stop you from claiming for the back or neck or mental health.","start":1017.22504,"end":1022.125,"sentiment":"neutral","sentiment_score":0.03339490760117769},{"text":"It's just in relation to any previous injuries, damages, or anything that's been preexisting.","start":1022.31995,"end":1028.74,"sentiment":"neutral","sentiment_score":0.03424393225993429},{"text":"Does that make sense?","start":1029.0399,"end":1030.1,"sentiment":"neutral","sentiment_score":0.08405138645321131},{"text":"Absolutely.","start":1037.515,"end":1038.015,"sentiment":"neutral","sentiment_score":-0.097407229244709},{"text":"Yes.","start":1045.595,"end":1046.095,"sentiment":"neutral","sentiment_score":-0.258196622133255}],"sentiment":"neutral","sentiment_score":0.0276204241025779,"num_words":36,"start":1017.22504,"end":1046.095},{"sentences":[{"text":"Uh-huh.","start":1049.43,"end":1049.93,"sentiment":"neutral","sentiment_score":-0.1373673677444458},{"text":"Yep.","start":1050.9501,"end":1051.4501,"sentiment":"neutral","sentiment_score":-0.0593932680785656},{"text":"Mhmm.","start":1054.63,"end":1055.13,"sentiment":"neutral","sentiment_score":-0.1770104020833969},{"text":"Yes.","start":1059.925,"end":1060.425,"sentiment":"neutral","sentiment_score":-0.005564175546169281},{"text":"So it really depends.","start":1061.2051,"end":1062.3251,"sentiment":"neutral","sentiment_score":0.019165022298693657}],"sentiment":"neutral","sentiment_score":-0.03783439053222537,"num_words":8,"start":1049.43,"end":1062.3251},{"sentences":[{"text":"So on the the income protection policy that you do have with PWSAP, we're gonna transfer that as well.","start":1062.3251,"end":1068.485,"sentiment":"neutral","sentiment_score":0.13120077432770477},{"text":"That will have no exclusions or loading.","start":1068.485,"end":1070.5651,"sentiment":"neutral","sentiment_score":0.058741942580257146},{"text":"And if you were to go off work in the short term due to mental health, you'd be more likely to start claiming on income protection.","start":1070.5651,"end":1076.97,"sentiment":"neutral","sentiment_score":0.11237330935322322},{"text":"By doing this, you'll still be able to claim on that policy.","start":1077.43,"end":1081.05,"sentiment":"positive","sentiment_score":0.4075414364536603},{"text":"That won't be affected in any way, shape, or form.","start":1081.1901,"end":1083.61,"sentiment":"neutral","sentiment_score":0.21250661164522172}],"sentiment":"neutral","sentiment_score":0.17353077982929913,"num_words":74,"start":1062.3251,"end":1083.61},{"sentences":[{"text":"With the TCV, the first $426,009.78, which is the amount that we're transferring from your two current funds in the hub 20 4, that won't have any exclusions or loading.","start":1084.39,"end":1096.345,"sentiment":"neutral","sentiment_score":0.19831429421901703},{"text":"So if you were TCD for mental health, you would still be able to claim on that level of cover.","start":1096.345,"end":1101.565,"sentiment":"neutral","sentiment_score":0.2564691428095102},{"text":"When it comes to the cover that we're applying for with Zurich, that's the additional 900,000 of TBD, they will then have that mental health exclusion.","start":1102.1901,"end":1111.97,"sentiment":"neutral","sentiment_score":-0.0852872203462399},{"text":"So that means that you won't be able to claim on the 900,000 of TBD with Zurich because that will be excluded for mental health.","start":1112.03,"end":1120.4249,"sentiment":"neutral","sentiment_score":-0.10347764827311039},{"text":"In saying that, an exclusion is normally applied for about three to five years.","start":1120.8049,"end":1125.625,"sentiment":"neutral","sentiment_score":-0.0854045958923442}],"sentiment":"neutral","sentiment_score":0.04416294264728608,"num_words":115,"start":1084.39,"end":1125.625},{"sentences":[{"text":"If you've had no mental health symptoms or treatment for three to five years, we can absolutely review that, and the exclusion can be removed on that higher amount of cover.","start":1125.9249,"end":1136.33,"sentiment":"neutral","sentiment_score":-0.09162361631470342},{"text":"Does that make sense?","start":1136.5499,"end":1137.5099,"sentiment":"neutral","sentiment_score":0.0358140142634511},{"text":"You're welcome to ask me more questions if you need.","start":1137.5099,"end":1139.9299,"sentiment":"neutral","sentiment_score":0.32689657658338545},{"text":"Yeah.","start":1157.7,"end":1158.2,"sentiment":"neutral","sentiment_score":-0.16929888725280762},{"text":"Mhmm.","start":1163.22,"end":1163.72,"sentiment":"neutral","sentiment_score":-0.04473806172609329}],"sentiment":"neutral","sentiment_score":0.007613888684105366,"num_words":47,"start":1125.9249,"end":1163.72},{"sentences":[{"text":"Yep.","start":1164.58,"end":1165.08,"sentiment":"neutral","sentiment_score":-0.022609513252973557},{"text":"Yeah.","start":1166.02,"end":1166.4199,"sentiment":"neutral","sentiment_score":-0.032433535903692245},{"text":"Absolutely.","start":1166.4199,"end":1166.9199,"sentiment":"neutral","sentiment_score":0.12224751710891724},{"text":"That's okay.","start":1168.74,"end":1169.5599,"sentiment":"neutral","sentiment_score":0.2585672289133072},{"text":"So the other option is I mean, this is a recommendation to be able to help you to meet your goal, and it requires just transferring the first level of cover, which there's no exclusions or loadings on.","start":1169.765,"end":1179.4451,"sentiment":"neutral","sentiment_score":0.1314638514365805}],"sentiment":"neutral","sentiment_score":0.12976663442718428,"num_words":43,"start":1164.58,"end":1179.4451},{"sentences":[{"text":"That is absolutely kept exactly as it is now.","start":1179.4451,"end":1182.3451,"sentiment":"neutral","sentiment_score":0.3216686546802521},{"text":"This just the retail cover that we need to apply for to reach your goal.","start":1183.71,"end":1188.6901,"sentiment":"neutral","sentiment_score":0.16702975283066432},{"text":"You do, however, have the option of not applying for the retail cover.","start":1188.83,"end":1192.67,"sentiment":"neutral","sentiment_score":0.045217448415664524},{"text":"You don't have to take the part of the recommendation for Zurich, and it just means that we transfer your current cover into Hub twenty four.","start":1192.67,"end":1200.615,"sentiment":"neutral","sentiment_score":0.14308733034592408},{"text":"We consolidate everything, and it means that life and TDD, in the event of a claim, you have a level of cover of $4.26 $9.07 8, the 426,978.","start":1200.615,"end":1213.01,"sentiment":"neutral","sentiment_score":0.19129441997834615}],"sentiment":"neutral","sentiment_score":0.16554731167443507,"num_words":91,"start":1179.4451,"end":1213.01},{"sentences":[{"text":"On that level of cover, there's no explosions or loading.","start":1213.23,"end":1216.27,"sentiment":"neutral","sentiment_score":0.17354058846831322},{"text":"So you will still be able to claim for mental health in the event of something occurring.","start":1216.27,"end":1220.43,"sentiment":"neutral","sentiment_score":0.3093629198915818},{"text":"Does that make sense?","start":1220.43,"end":1221.49,"sentiment":"neutral","sentiment_score":0.17424558103084564},{"text":"Yes.","start":1224.365,"end":1224.865,"sentiment":"neutral","sentiment_score":0.042319588363170624},{"text":"Yeah.","start":1235.98,"end":1236.48,"sentiment":"neutral","sentiment_score":-0.08482606709003448}],"sentiment":"neutral","sentiment_score":0.23178943540110733,"num_words":33,"start":1213.23,"end":1236.48},{"sentences":[{"text":"Yeah.","start":1237.02,"end":1237.52,"sentiment":"neutral","sentiment_score":-0.08688085526227951},{"text":"Yeah.","start":1246.9551,"end":1247.4551,"sentiment":"neutral","sentiment_score":0.002167755737900734},{"text":"So with transferring the current cover over, that all transfers over.","start":1247.5951,"end":1251.035,"sentiment":"neutral","sentiment_score":0.12045060910961845},{"text":"That is a cheaper cover to transfer.","start":1251.035,"end":1252.8151,"sentiment":"neutral","sentiment_score":0.2961270532437733},{"text":"We're applying for new insurances.","start":1253.435,"end":1255.375,"sentiment":"neutral","sentiment_score":0.1493000030517578}],"sentiment":"neutral","sentiment_score":0.16238531954586505,"num_words":25,"start":1237.02,"end":1255.375},{"sentences":[{"text":"We estimated the total cost to come out of super to be $3,006.","start":1255.8351,"end":1260.42,"sentiment":"neutral","sentiment_score":0.12394283941158882},{"text":"That's the total of all your insurances wholly.","start":1260.42,"end":1262.92,"sentiment":"neutral","sentiment_score":0.1311973426491022},{"text":"If you just wanted to look at doing the transfer terms and not applying for the Zurich, essentially, in the appendices, we have the difference in the cost, but it works out to be about $900 insurance cost, and you would only have that 400,000 level of cover there.","start":1263.4601,"end":1279.4049,"sentiment":"neutral","sentiment_score":0.1237451034617059},{"text":"So you don't have to take the retail cover option.","start":1279.4049,"end":1281.725,"sentiment":"neutral","sentiment_score":0.0992332398891449},{"text":"You don't have to increase your cover as much as you as we recommended.","start":1281.725,"end":1285.4249,"sentiment":"neutral","sentiment_score":0.025560524580734118}],"sentiment":"neutral","sentiment_score":0.10717580283179562,"num_words":94,"start":1255.8351,"end":1285.4249},{"sentences":[{"text":"We're just essentially showing you in order to meet your goal, this is what we need to do.","start":1286.07,"end":1290.49,"sentiment":"neutral","sentiment_score":0.21273836431403956},{"text":"These are the disadvantages of doing that.","start":1290.63,"end":1293.35,"sentiment":"negative","sentiment_score":-0.42882533584322247},{"text":"This is the kind of expectation we have based on what we know, and this is the cost of doing that at the same time.","start":1293.35,"end":1300.73,"sentiment":"neutral","sentiment_score":-0.13135312467813492},{"text":"But at the same time, you don't have to.","start":1301.115,"end":1302.555,"sentiment":"neutral","sentiment_score":0.1352525498304102},{"text":"If you don't don't don't really want to have the Zurich retail cover, that's absolutely fine.","start":1302.555,"end":1307.355,"sentiment":"neutral","sentiment_score":0.05367257713805884}],"sentiment":"neutral","sentiment_score":-0.005070409700274467,"num_words":75,"start":1286.07,"end":1307.355},{"sentences":[{"text":"You don't have to.","start":1307.355,"end":1308.575,"sentiment":"neutral","sentiment_score":0.0702987490221858},{"text":"As long as you're happy with just having that 400,000 of life in TVE, as I mentioned, we we did look at trying to get income protection.","start":1308.875,"end":1317.47,"sentiment":"neutral","sentiment_score":0.1580763343307707},{"text":"Income protection, you've got about your current cover has about 500 sorry.","start":1318.01,"end":1323.29,"sentiment":"neutral","sentiment_score":-0.003616419620811938},{"text":"5,049 as a monthly benefit, and that it is just a little bit under essentially, the 70% that you would need.","start":1323.29,"end":1330.9249,"sentiment":"neutral","sentiment_score":0.0400506646505424},{"text":"But if we tried to apply for more income protection, the cost would be a lot higher, and there would also be those loadings and exclusions there.","start":1330.9249,"end":1338.945,"sentiment":"negative","sentiment_score":-0.35771992912998907}],"sentiment":"neutral","sentiment_score":-0.047379287266796764,"num_words":91,"start":1307.355,"end":1338.945},{"sentences":[{"text":"So we're not recommending any additional income protection to be purchased.","start":1339.005,"end":1342.605,"sentiment":"negative","sentiment_score":-0.40132993730631744},{"text":"We're just gonna transfer your current income protection policy over.","start":1342.605,"end":1346.12,"sentiment":"neutral","sentiment_score":-0.05118369199335575},{"text":"It will still have the nine day waiting period to either end up screwed for you, but that cover, there'll be no loading or exclusion.","start":1346.26,"end":1353.0,"sentiment":"neutral","sentiment_score":0.03435831621289253},{"text":"So when we tend to go off work, especially for things like mental health or injuries, we tend to have to claim in a certain order.","start":1353.06,"end":1361.455,"sentiment":"neutral","sentiment_score":-0.011314317082556395},{"text":"Normally, the first thing we claim on is income protection because we're off work.","start":1361.755,"end":1366.415,"sentiment":"neutral","sentiment_score":0.021215168493134633}],"sentiment":"neutral","sentiment_score":-0.047263583839806014,"num_words":86,"start":1339.005,"end":1366.415},{"sentences":[{"text":"We make that waiting period, so we're off work for ninety days.","start":1366.475,"end":1369.4349,"sentiment":"neutral","sentiment_score":-0.0054820185371985035},{"text":"We then need to make that claim to sort of get us an income replacement, so we claim on income protection.","start":1369.4349,"end":1375.0399,"sentiment":"neutral","sentiment_score":0.030563080505955787},{"text":"Then if we're still off work and can't go back to work, then we try to claim on CBD.","start":1375.58,"end":1380.08,"sentiment":"neutral","sentiment_score":-0.0026009031081278074},{"text":"And then if we, you know, pass away or become family ill at the end of the last cover is the last thing to be applied for.","start":1380.62,"end":1387.02,"sentiment":"neutral","sentiment_score":-0.07424387225398311},{"text":"So it's just that's the way insurances tend to work the way we claim on things normally.","start":1387.02,"end":1393.455,"sentiment":"neutral","sentiment_score":0.033768686904188466}],"sentiment":"neutral","sentiment_score":-0.00941555796210499,"num_words":96,"start":1366.475,"end":1393.455},{"sentences":[{"text":"As I said, your income protection policy transferring exactly as it is.","start":1393.915,"end":1397.755,"sentiment":"neutral","sentiment_score":0.11316711145142715},{"text":"No loadings or exclusions will be applied on that one.","start":1397.755,"end":1400.475,"sentiment":"neutral","sentiment_score":0.04844637457281351},{"text":"It's just the life and TBD.","start":1400.475,"end":1401.935,"sentiment":"neutral","sentiment_score":0.12855256100495657},{"text":"We'll transfer the cover as is.","start":1402.9199,"end":1404.44,"sentiment":"neutral","sentiment_score":0.16112623984615007},{"text":"There'll be nothing no exclusions or loading from that policy either.","start":1404.44,"end":1407.7999,"sentiment":"neutral","sentiment_score":0.09640424450233033}],"sentiment":"neutral","sentiment_score":0.10313307950616743,"num_words":45,"start":1393.915,"end":1407.7999},{"sentences":[{"text":"It's just the increase if you decide to go through and apply for that 900,000 with Zurich.","start":1407.7999,"end":1413.2599,"sentiment":"neutral","sentiment_score":0.17064860638450174},{"text":"You don't have to.","start":1413.8799,"end":1414.9199,"sentiment":"neutral","sentiment_score":0.2178116776049137},{"text":"It does obviously reduce the insurance cost if you don't apply for that cover with Zurich, but it also means that in the event of a TPD or a life event, you don't have that high level of cover to fall back on.","start":1414.9199,"end":1426.595,"sentiment":"neutral","sentiment_score":0.11020259329572667},{"text":"So it's just about what's important to you and what you're comfortable proceeding with, if that makes sense.","start":1427.0549,"end":1432.195,"sentiment":"neutral","sentiment_score":0.0695146287067069},{"text":"Yeah.","start":1436.26,"end":1436.76,"sentiment":"neutral","sentiment_score":0.13025489449501038}],"sentiment":"neutral","sentiment_score":0.11918678002274898,"num_words":83,"start":1407.7999,"end":1436.76},{"sentences":[{"text":"Yeah.","start":1437.54,"end":1438.04,"sentiment":"neutral","sentiment_score":0.04083719104528427},{"text":"Yeah.","start":1439.54,"end":1440.04,"sentiment":"neutral","sentiment_score":0.027590718120336533},{"text":"Absolutely.","start":1443.06,"end":1443.56,"sentiment":"neutral","sentiment_score":0.14619985222816467},{"text":"Absolutely.","start":1444.34,"end":1444.84,"sentiment":"neutral","sentiment_score":0.08732347190380096},{"text":"It's a little bit bit yeah.","start":1445.46,"end":1450.6649,"sentiment":"neutral","sentiment_score":0.011185678963859877}],"sentiment":"neutral","sentiment_score":0.03690653070807457,"num_words":10,"start":1437.54,"end":1450.6649},{"sentences":[{"text":"You're right.","start":1450.6649,"end":1451.4049,"sentiment":"neutral","sentiment_score":0.034180096350610256},{"text":"You're right.","start":1452.825,"end":1453.645,"sentiment":"neutral","sentiment_score":0.03401277493685484},{"text":"That's absolutely fine.","start":1484.55,"end":1486.23,"sentiment":"neutral","sentiment_score":0.10223750273386638},{"text":"I can hear them in the background.","start":1486.23,"end":1487.61,"sentiment":"neutral","sentiment_score":0.09633250747408185},{"text":"So sorry.","start":1487.67,"end":1488.41,"sentiment":"neutral","sentiment_score":-0.025718338787555695}],"sentiment":"neutral","sentiment_score":0.06662432034499943,"num_words":16,"start":1450.6649,"end":1488.41},{"sentences":[{"text":"Yeah.","start":1494.885,"end":1495.285,"sentiment":"positive","sentiment_score":0.587905764579773},{"text":"That's all good.","start":1495.285,"end":1496.005,"sentiment":"positive","sentiment_score":0.7420432170232137},{"text":"It's a little bit because there are three steps to this, it's kind of transferring the cover you have with your two current providers in the hub 24 and then applying for more cover on top of that.","start":1496.005,"end":1506.3251,"sentiment":"neutral","sentiment_score":0.1358522331636203},{"text":"There is a little bit to kind of wrap your head around, slightly understandable, but it's important to note that, essentially, out of the total amount of cover you'll have, the first $426,009.78 doesn't have any loading or include, but that is exactly as it is now, which is the benefit.","start":1506.3251,"end":1524.34,"sentiment":"neutral","sentiment_score":0.0608580529543699},{"text":"And it means your total cover amount, you'll have as little like a 1,300,000 in coverage meets your goal.","start":1525.015,"end":1530.535,"sentiment":"positive","sentiment_score":0.4268373392130199}],"sentiment":"neutral","sentiment_score":0.17134009304988598,"num_words":112,"start":1494.885,"end":1530.535},{"sentences":[{"text":"And if you were to pass away, it looks after your family and see your youngest child turns 18.","start":1530.535,"end":1535.195,"sentiment":"neutral","sentiment_score":0.11603211729150069},{"text":"But then it also you know, in the event of TBD event means that if you're off work because one of the biggest things we do find with TBD is permanent disablement.","start":1535.735,"end":1545.55,"sentiment":"neutral","sentiment_score":-0.10093126294668764},{"text":"So if you're at this stage, you're just so young, you know, if you're unable to go back to work ever again, you kind of gotta cover your life so I'll look after your family as long as you possibly can.","start":1545.69,"end":1556.5249,"sentiment":"neutral","sentiment_score":-0.07411301154188993},{"text":"So that CBD, again, will cover your life until your youngest ten eighteen, and then you've also got your super building on top of that, which is important as well.","start":1556.5249,"end":1565.565,"sentiment":"neutral","sentiment_score":0.18713389535744984},{"text":"So it does mean that our exclusion's been loading to the first part of the policy, but we will look at when they can be reviewed, and we'll make sure we do review those with you and have those removed or altered as we can.","start":1565.565,"end":1580.8401,"sentiment":"neutral","sentiment_score":0.0009238891303539276}],"sentiment":"neutral","sentiment_score":0.009531546183331997,"num_words":167,"start":1530.535,"end":1580.8401},{"sentences":[{"text":"We also review the policies every year to make sure that they remain in line with what you need with what your goals are, and we can alter those policies as we need to.","start":1581.195,"end":1589.7749,"sentiment":"neutral","sentiment_score":0.20857757066979127},{"text":"The way we see insurances to begin with is when you're younger, we need a higher level of cover.","start":1589.9149,"end":1594.8949,"sentiment":"neutral","sentiment_score":-0.005551183204117574},{"text":"We have more debt.","start":1595.28,"end":1596.3201,"sentiment":"neutral","sentiment_score":-0.13891801983118057},{"text":"We obviously have, you know, family to look after a lot more in the way of expenses, and our super balance is a bit lower.","start":1596.3201,"end":1601.9401,"sentiment":"neutral","sentiment_score":0.03971612527966499},{"text":"But as our super increases in value, as our debt level decreases, as our needs for insurance decrease, we start to be able to decrease those policies down as well.","start":1602.0801,"end":1611.335,"sentiment":"neutral","sentiment_score":-0.19422285184264182}],"sentiment":"neutral","sentiment_score":0.014256343029306404,"num_words":112,"start":1581.195,"end":1611.335},{"sentences":[{"text":"And the first thing we would look to decrease would be that direct policy.","start":1611.5549,"end":1615.575,"sentiment":"neutral","sentiment_score":-0.24828352140528814},{"text":"It's obviously the most expensive part of the policy, and that's the one with the loadings and exclusions, so we would look to decrease and alter that policy before we touch anything on the lower part of the policy that doesn't have any loadings or exclusion.","start":1615.795,"end":1629.86,"sentiment":"neutral","sentiment_score":-0.25157994420632074},{"text":"Does that make sense?","start":1629.92,"end":1630.98,"sentiment":"neutral","sentiment_score":-0.04246574640274048},{"text":"Yep.","start":1633.12,"end":1633.62,"sentiment":"positive","sentiment_score":0.35399049520492554},{"text":"All good.","start":1634.56,"end":1635.3,"sentiment":"positive","sentiment_score":0.6065260171890259}],"sentiment":"neutral","sentiment_score":-0.20375324162974287,"num_words":67,"start":1611.5549,"end":1635.3},{"sentences":[{"text":"I would sort of I would sort of suggest if you've got some time later, pull up that section of the document.","start":1635.36,"end":1641.155,"sentiment":"neutral","sentiment_score":0.2790366946296258},{"text":"Have a really good read through it as well because it kinda does outline all that information for you and break it down.","start":1641.155,"end":1646.375,"sentiment":"positive","sentiment_score":0.426950673694196},{"text":"I've also got a needs analysis below for you as well, which outlines essentially what we're doing, why we're doing it, and how we got the figures that we have there for you.","start":1646.915,"end":1655.91,"sentiment":"neutral","sentiment_score":0.2565577445608197},{"text":"Some of them when I'm kinda going through it with you, I'm telling you what we're gonna do, how it works, but it can also just take be easy when you take a bit of time for yourself to have a look at the document and read through those sections as well so you can kind of break it down.","start":1657.0901,"end":1670.0349,"sentiment":"neutral","sentiment_score":0.2693548711637656},{"text":"Okay?","start":1670.095,"end":1670.595,"sentiment":"neutral","sentiment_score":0.12779498100280762}],"sentiment":"neutral","sentiment_score":0.2929076661737703,"num_words":139,"start":1635.36,"end":1670.595},{"sentences":[{"text":"All good.","start":1673.2949,"end":1674.115,"sentiment":"positive","sentiment_score":0.540215939283371},{"text":"Essentially, if you then are able to scroll up to page 23 for me, the fee comparison table, This essentially shows you the outlook of all those recommendations to make it easier on you.","start":1674.495,"end":1686.13,"sentiment":"neutral","sentiment_score":0.2152098364689771},{"text":"Beautiful.","start":1689.9501,"end":1690.4501,"sentiment":"positive","sentiment_score":0.5612950921058655},{"text":"So the current has your three super funds at the moment with the balances you have in there at the moment and the fees that you're paying out of those funds currently, the contributions going in, and also your insurance premium.","start":1690.91,"end":1702.215,"sentiment":"neutral","sentiment_score":0.18305688296876302},{"text":"At the moment, when we look at how you invested across the three funds, you're essentially in more of a growth portfolio.","start":1702.835,"end":1708.215,"sentiment":"neutral","sentiment_score":0.16487185995687137}],"sentiment":"neutral","sentiment_score":0.20091374531388284,"num_words":100,"start":1673.2949,"end":1708.215},{"sentences":[{"text":"You're actually meant to be more of a high growth environment looking to get greater potential returns, working and compounding your super hard towards your retirement.","start":1708.82,"end":1716.6,"sentiment":"positive","sentiment_score":0.38392030745028305},{"text":"So by making the changes, consolidating the super funds, applying to that newer level of cover through Zurich, and transferring your current insurance to HUB24, we can actually see you would end up with a starting balance of 212,848.","start":1717.22,"end":1733.475,"sentiment":"positive","sentiment_score":0.4579523652791977},{"text":"Everything is in one place, making it nice and easy for you.","start":1733.475,"end":1736.67,"sentiment":"positive","sentiment_score":0.7667012015978495},{"text":"You still have administration fees and investment fees and any other fees applicable to the fund, but it's all in one place.","start":1736.8301,"end":1743.5701,"sentiment":"positive","sentiment_score":0.3976061547344381},{"text":"The ongoing service fee is still being deducted.","start":1744.03,"end":1747.0901,"sentiment":"neutral","sentiment_score":0.2825351282954216}],"sentiment":"positive","sentiment_score":0.4490663653204792,"num_words":107,"start":1708.82,"end":1747.0901},{"sentences":[{"text":"Essentially, you do pay off the fee of 1.65% per annum, and that is deducted in smaller monthly increments.","start":1747.31,"end":1753.3251,"sentiment":"neutral","sentiment_score":0.2698395511037425},{"text":"And that's our ongoing service, so you can look after your super updating and reflecting your advice and working hard towards your goals.","start":1753.785,"end":1760.045,"sentiment":"positive","sentiment_score":0.5533453524112701},{"text":"Your contributions will continue to will go in, and we'll have them move to the hub 24.","start":1760.345,"end":1765.02,"sentiment":"neutral","sentiment_score":0.08352939696872935},{"text":"That way, you can continue to receive contributions and build on your super.","start":1765.1,"end":1768.72,"sentiment":"positive","sentiment_score":0.46186356017222774},{"text":"And then the 3,006, that's essentially the total we expect for the total insurance premium.","start":1769.1,"end":1775.42,"sentiment":"positive","sentiment_score":0.33644150296847025}],"sentiment":"positive","sentiment_score":0.34856026611108887,"num_words":87,"start":1747.31,"end":1775.42},{"sentences":[{"text":"So that's the transfer of the two current insurance policies and then also the direct policy.","start":1775.42,"end":1781.3251,"sentiment":"neutral","sentiment_score":0.2188315368257463},{"text":"And that shows you the best view what we'd expect to come out of your paper.","start":1781.3251,"end":1784.865,"sentiment":"positive","sentiment_score":0.40570953488349915},{"text":"When you look at how the shape yes.","start":1785.725,"end":1788.9451,"sentiment":"neutral","sentiment_score":0.028439588379114866},{"text":"Yes.","start":1790.525,"end":1791.025,"sentiment":"neutral","sentiment_score":-0.01128801330924034},{"text":"Yeah.","start":1792.2,"end":1792.7,"sentiment":"neutral","sentiment_score":0.012431196868419647}],"sentiment":"neutral","sentiment_score":0.2433646913795244,"num_words":42,"start":1775.42,"end":1792.7},{"sentences":[{"text":"Absolutely.","start":1798.0399,"end":1798.5399,"sentiment":"positive","sentiment_score":0.3845534324645996},{"text":"We'll provide you with the contributions form, and you just send that to them, and then we'll make sure that they get transferred over.","start":1798.6799,"end":1804.62,"sentiment":"neutral","sentiment_score":0.288735406473279},{"text":"If you wanted to provide us with their emails, we can absolutely email them the information as well.","start":1804.905,"end":1809.545,"sentiment":"neutral","sentiment_score":0.3099631236659156},{"text":"So we'll definitely make sure that happens for you.","start":1809.545,"end":1811.865,"sentiment":"positive","sentiment_score":0.6256782544983758},{"text":"It's not a problem at all.","start":1811.865,"end":1813.2251,"sentiment":"positive","sentiment_score":0.5011427601178488}],"sentiment":"positive","sentiment_score":0.371232763189694,"num_words":58,"start":1798.0399,"end":1813.2251},{"sentences":[{"text":"Okay?","start":1813.2251,"end":1813.7251,"sentiment":"positive","sentiment_score":0.34541094303131104},{"text":"With the changes to the investments that we kinda went through above as well, it's important to note that there are so like yourself, your super fund every year does a tax return for you.","start":1815.4651,"end":1824.8999,"sentiment":"neutral","sentiment_score":0.22318392353398459},{"text":"So in order to make the investment switches, we estimate the CDT to be about $98, very small amount of CDT to be able to change the investment portfolio.","start":1825.0399,"end":1834.4451,"sentiment":"neutral","sentiment_score":0.12012872973392749},{"text":"And when we look at how everything has been working and the the essentially, the newer portfolio and how it has returned, it's averaged 12.02% over the last five years as well.","start":1834.665,"end":1846.2001,"sentiment":"neutral","sentiment_score":0.15600027807522565},{"text":"So on the next page, you've got a projection outcome, and it sort of shows by consolidating, even with applying to the higher level of cover, everything does work in your favor.","start":1846.2001,"end":1855.0801,"sentiment":"positive","sentiment_score":0.4175103856250644}],"sentiment":"neutral","sentiment_score":0.232503276491581,"num_words":129,"start":1813.2251,"end":1855.0801},{"sentences":[{"text":"And over the next five to ten years, we can project you to be in a much greater position than where you would be currently.","start":1855.0801,"end":1860.815,"sentiment":"positive","sentiment_score":0.3784756368398666},{"text":"Does that make sense?","start":1860.815,"end":1862.035,"sentiment":"neutral","sentiment_score":0.187912929803133},{"text":"Yes.","start":1864.335,"end":1864.835,"sentiment":"neutral","sentiment_score":0.22157469391822815},{"text":"All good.","start":1865.055,"end":1865.795,"sentiment":"positive","sentiment_score":0.5050274282693863},{"text":"Look.","start":1866.015,"end":1866.335,"sentiment":"positive","sentiment_score":0.3724916577339173}],"sentiment":"positive","sentiment_score":0.3581110257090944,"num_words":33,"start":1855.0801,"end":1866.335},{"sentences":[{"text":"You've got a lot going on.","start":1866.335,"end":1867.695,"sentiment":"neutral","sentiment_score":0.26130468646685284},{"text":"What I'll do is I'll let you go back to have a read through the document.","start":1867.695,"end":1870.515,"sentiment":"neutral","sentiment_score":0.10613400721922517},{"text":"Please let me know if you have any questions in relation to it, Joanne.","start":1870.575,"end":1873.375,"sentiment":"neutral","sentiment_score":0.11237192153930664},{"text":"And did you want me to sort of send you just an email after the call just with a bit of a breakdown on the recommendations as well just to kind of clarify things for you a little bit more?","start":1873.375,"end":1882.48,"sentiment":"neutral","sentiment_score":0.07274232818745077},{"text":"Yep.","start":1882.54,"end":1883.04,"sentiment":"neutral","sentiment_score":0.08925672620534897}],"sentiment":"neutral","sentiment_score":0.10179388298132977,"num_words":77,"start":1866.335,"end":1883.04},{"sentences":[{"text":"Yep.","start":1883.34,"end":1883.8201,"sentiment":"neutral","sentiment_score":0.170059472322464},{"text":"Easy.","start":1883.8201,"end":1884.3201,"sentiment":"positive","sentiment_score":0.34174853563308716},{"text":"I'll do not a problem at all.","start":1885.1,"end":1887.1,"sentiment":"neutral","sentiment_score":0.33033288376671927},{"text":"What I'll do is I know you have signed the document.","start":1887.1,"end":1888.995,"sentiment":"neutral","sentiment_score":0.13814521580934525},{"text":"Did you want me just to hold off?","start":1888.995,"end":1890.595,"sentiment":"neutral","sentiment_score":0.0648548286408186}],"sentiment":"neutral","sentiment_score":0.17366336419114045,"num_words":28,"start":1883.34,"end":1890.595},{"sentences":[{"text":"I will send you the email now, give you some time to read it over, and then you can just email me back and let me know if you'll have the receipt or if there's any changes that you wanna make.","start":1890.595,"end":1899.475,"sentiment":"neutral","sentiment_score":0.16728552376351705},{"text":"Does that sound okay?","start":1899.475,"end":1900.775,"sentiment":"neutral","sentiment_score":0.1472106445580721},{"text":"Yes.","start":1904.12,"end":1904.62,"sentiment":"neutral","sentiment_score":0.02335534244775772},{"text":"Okay.","start":1911.56,"end":1912.06,"sentiment":"neutral","sentiment_score":0.03947943449020386},{"text":"Yeah.","start":1912.4401,"end":1912.76,"sentiment":"neutral","sentiment_score":0.0443912073969841}],"sentiment":"neutral","sentiment_score":0.1573911466014882,"num_words":48,"start":1890.595,"end":1912.76},{"sentences":[{"text":"So I'll update that for you in the back end.","start":1912.76,"end":1914.92,"sentiment":"neutral","sentiment_score":0.06553748995065689},{"text":"The good thing is because we're not able to apply or we're not applying for new income protection or higher income protection, it won't have any effect on the application with Zurich, but I will make a note in the back end for you.","start":1914.92,"end":1929.385,"sentiment":"neutral","sentiment_score":0.07134049605916847},{"text":"Beautiful.","start":1930.44,"end":1930.94,"sentiment":"positive","sentiment_score":0.4609467387199402},{"text":"And is is the new role, the secondary role, is that different to what you're doing at the moment?","start":1931.08,"end":1936.78,"sentiment":"neutral","sentiment_score":0.05221626966407424},{"text":"Okay.","start":1941.64,"end":1942.14,"sentiment":"neutral","sentiment_score":0.053369998931884766}],"sentiment":"neutral","sentiment_score":0.07067710116505622,"num_words":75,"start":1912.76,"end":1942.14},{"sentences":[{"text":"Director on a board.","start":1942.28,"end":1943.48,"sentiment":"neutral","sentiment_score":0.07001321762800217},{"text":"Beautiful.","start":1943.48,"end":1943.98,"sentiment":"positive","sentiment_score":0.5110170841217041},{"text":"Lovely.","start":1945.1449,"end":1945.6449,"sentiment":"positive","sentiment_score":0.3660908341407776},{"text":"And do you do work for that every week or fortnight?","start":1945.7849,"end":1949.225,"sentiment":"neutral","sentiment_score":0.040017380633137443},{"text":"Is there just something you meet on a regular basis to do?","start":1949.225,"end":1953.485,"sentiment":"neutral","sentiment_score":0.04320907903214296}],"sentiment":"neutral","sentiment_score":0.072960721521542,"num_words":29,"start":1942.28,"end":1953.485},{"sentences":[{"text":"Fortnight.","start":1956.6649,"end":1957.1649,"sentiment":"neutral","sentiment_score":0.012790745124220848},{"text":"Okay.","start":1958.5701,"end":1959.0701,"sentiment":"neutral","sentiment_score":0.05029556155204773},{"text":"Yeah.","start":1960.89,"end":1961.39,"sentiment":"neutral","sentiment_score":0.10986566543579102},{"text":"You probably do more than you paid 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sections.","start":1974.015,"end":1976.735,"sentiment":"positive","sentiment_score":0.39412076274553937}],"sentiment":"positive","sentiment_score":0.5106120156124234,"num_words":32,"start":1967.2101,"end":1976.735},{"sentences":[{"text":"Just wanna wrap your head around the breakdown of the insurance side of things.","start":1976.735,"end":1980.575,"sentiment":"neutral","sentiment_score":0.28890081495046616},{"text":"Let me know if there is any questions, and I'm just gonna shoot you a quick email now just with a quick breakdown of the recommendations just to kind of help you out.","start":1980.575,"end":1988.25,"sentiment":"neutral","sentiment_score":0.2760246892770131},{"text":"If you have additional questions, come back and let me know.","start":1988.25,"end":1990.89,"sentiment":"neutral","sentiment_score":0.042320785197344696},{"text":"I know it is a lot to go through, and I'm so sorry.","start":1990.89,"end":1993.55,"sentiment":"neutral","sentiment_score":-0.22550268987050423},{"text":"It's just about making sure that you you kinda get all that information as well.","start":1994.3301,"end":1998.65,"sentiment":"neutral","sentiment_score":0.10999471694231033}],"sentiment":"neutral","sentiment_score":0.14345744858647502,"num_words":86,"start":1976.735,"end":1998.65},{"sentences":[{"text":"Okay?","start":1998.65,"end":1999.15,"sentiment":"neutral","sentiment_score":0.06520655751228333},{"text":"No worries.","start":2001.9349,"end":2002.495,"sentiment":"positive","sentiment_score":0.5550313889980316},{"text":"You have a good day.","start":2002.495,"end":2003.9349,"sentiment":"positive","sentiment_score":0.7328457951545715},{"text":"I hope you have a good day, and let me know if there's anything you need, 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I'll see if this person is available. Thanks, Dana. Please stay on the line. Good morning. I'm good. How are you? Yeah. Yep. Sounds good. I've looked through it and signed it for you. I'm just still sitting in the high risk. Is that right? And I'll just get it up because my income my in my income has changed, so you can update. Yep. Yep. It's Joanne Louise Adams Abbott. Fifth of the second eighty seven and sixty three Sherwood Road, Audeville, two double four zero. It's been good. We we did sleep in, so we're running just all started getting up. Yes. Absolutely. Yes. Yep. I bought it off. That's what I offered. Yes. Yep. Yeah. Just one second. I'm just gonna get out of this because I'm just gonna go into the actual because I only was in the signed one. Alright. So page 20. One sec. Alright. It comes in heaps of different ones on what I saved. So which one are we in? Okay. I'm just gonna get oh my god. This is Yeah. That's that would be good. So it's all in one. Yep. One second. Oh, that's okay. That's all good. Yeah. So you're on page 20 one sec. Okay. Yep. Okay. Yep. I did say this. I didn't understand it. Mhmm. Yep. Yep. Yep. Yep. Yep. Yep. Yes. Yep. Yeah. No. That's fine. Yep. Yep. Mhmm. Mhmm. Yep. Perfect. Yes. Yep. So how would that work in my well, I just have questions for that one because I do work in a very high pressure, like, social, like, you know, like, I'm working child protection. So, obviously, mental health is a really big risk in that kind of field. If I was to go off on some leave due to stress or there was an incident, that's gonna affect me then, isn't it? I won't be able to claim. I don't know. I just sit a little bit funny in that because I feel like if there was something that was going to put me off work for the rest of my life, if I remained in this field, it would have to be something probably related to mental health. We'll have a have a form of mental health aspect to that because of my job. So I don't know. I just seem a bit friendly with that. Oh, yeah. It does. Is it must ex like, do I have to pay a fee to have that higher 900 on there? Like, for an example, if I like I don't know. I got hit by a bus. Hopefully, that wouldn't happen. That is that what that would kind of fall into that other one, but would I have to pay extra on top to have that 900,000 cover? Yep. Yes. Yep. Yes. Yes. Yep. Yeah. That sounds good. I'll go with what you're recommending. I just wanted to have those couple of, you know, statements. I just wanted to just kind of talk that out. It was. Can you just wait two seconds? Is that okay? Sorry. I just just two seconds. I just gotta talk to my kids. One one moment. Sorry. Yeah. They just wanna have breakfast and stuff. Yeah. No. That's okay. Yeah. No. That's fine. You can do all of that. That's fine. Yes. Yep. Yep. Definitely. Yes. Yep. Yep. Thank you. Oh, yep. No. Yep. I've got two I've got two sorry. I've got two employers now. So will you tell them to change it all, like, all their contributions into to change. Shoes. Yep. No. Yes. Yes. Yes. Yes. Yes. That would be really good. Yes. That would be really Yep. That sounds good. Also, I noticed that my income's at a 107, but it is at a 120 plus. I've got the second employment. So do you need that? Okay. Sounds good. Yes. It's a governance role, so I'm a director on the board. It's every it's every fortnight. It's paid every fortnight, but I do a lot of work outside of that. Yes. Definitely. Yes. That's alright. Yep. Okay. Good. Thank you. Okay. Thank you. See you. 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your name and reason for calling. I'll see if this person is available. Thanks, Dana. Please stay on the line. Good morning.\n\nI'm good. How are you? Yeah. Yep. Sounds good.\n\nI've looked through it and signed it for you. I'm just still sitting in the high risk. Is that right? And I'll just get it up because my income my in my income has changed, so you can update. Yep.\n\nYep. It's Joanne Louise Adams Abbott. Fifth of the second eighty seven and sixty three Sherwood Road, Audeville, two double four zero. It's been good. We we did sleep in, so we're running just all started getting up.\n\nYes. Absolutely. Yes. Yep. I bought it off.\n\nThat's what I offered. Yes. Yep. Yeah. Just one second.\n\nI'm just gonna get out of this because I'm just gonna go into the actual because I only was in the signed one. Alright. So page 20. One sec. Alright.\n\nIt comes in heaps of different ones on what I saved. So which one are we in? Okay. I'm just gonna get oh my god. This is Yeah.\n\nThat's that would be good. So it's all in one. Yep. One second. Oh, that's okay.\n\nThat's all good. Yeah. So you're on page 20 one sec. Okay. Yep.\n\nOkay. Yep. I did say this. I didn't understand it. Mhmm.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yes. Yep. Yeah. No.\n\nThat's fine. Yep. Yep. Mhmm. Mhmm.\n\nYep. Perfect. Yes. Yep. So how would that work in my well, I just have questions for that one because I do work in a very high pressure, like, social, like, you know, like, I'm working child protection.\n\nSo, obviously, mental health is a really big risk in that kind of field. If I was to go off on some leave due to stress or there was an incident, that's gonna affect me then, isn't it? I won't be able to claim. I don't know. I just sit a little bit funny in that because I feel like if there was something that was going to put me off work for the rest of my life, if I remained in this field, it would have to be something probably related to mental health.\n\nWe'll have a have a form of mental health aspect to that because of my job. So I don't know. I just seem a bit friendly with that. Oh, yeah. It does.\n\nIs it must ex like, do I have to pay a fee to have that higher 900 on there? Like, for an example, if I like I don't know. I got hit by a bus. Hopefully, that wouldn't happen. That is that what that would kind of fall into that other one, but would I have to pay extra on top to have that 900,000 cover?\n\nYep. Yes. Yep. Yes. Yes.\n\nYep. Yeah. That sounds good. I'll go with what you're recommending. I just wanted to have those couple of, you know, statements.\n\nI just wanted to just kind of talk that out. It was. Can you just wait two seconds? Is that okay? Sorry.\n\nI just just two seconds. I just gotta talk to my kids. One one moment. Sorry. Yeah.\n\nThey just wanna have breakfast and stuff. Yeah. No. That's okay. Yeah.\n\nNo. That's fine. You can do all of that. That's fine. Yes.\n\nYep. Yep. Definitely. Yes. Yep.\n\nYep. Thank you. Oh, yep. No. Yep.\n\nI've got two I've got two sorry. I've got two employers now. So will you tell them to change it all, like, all their contributions into to change. Shoes. Yep.\n\nNo. Yes. Yes. Yes. Yes.\n\nYes. That would be really good. Yes. That would be really Yep. That sounds good.\n\nAlso, I noticed that my income's at a 107, but it is at a 120 plus. I've got the second employment. So do you need that? Okay. Sounds good.\n\nYes. It's a governance role, so I'm a director on the board. It's every it's every fortnight. It's paid every fortnight, but I do a lot of work outside of that. Yes.\n\nDefinitely. Yes. That's alright. Yep. Okay.\n\nGood. Thank you. Okay. Thank you. See you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Record your name and reason for calling.","start":0.24,"end":2.24,"sentiment":"neutral","sentiment_score":0.006482247063624007},{"text":"I'll see if this person is available.","start":2.24,"end":4.18,"sentiment":"neutral","sentiment_score":0.01457785109856299},{"text":"Thanks, Dana.","start":13.36,"end":14.34,"sentiment":"positive","sentiment_score":0.45033538341522217},{"text":"Please stay on the line.","start":14.605,"end":15.825,"sentiment":"neutral","sentiment_score":0.23957327604293824},{"text":"Good morning.","start":20.365,"end":21.105,"sentiment":"positive","sentiment_score":0.3506665527820587}],"sentiment":"neutral","sentiment_score":0.1281430843367201,"num_words":23,"start":0.24,"end":21.105},{"sentences":[{"text":"I'm good.","start":24.605,"end":25.325,"sentiment":"positive","sentiment_score":0.453003853559494},{"text":"How are 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okay?","start":1445.48,"end":1446.2999,"sentiment":"neutral","sentiment_score":0.039064923922220864},{"text":"Sorry.","start":1447.32,"end":1447.64,"sentiment":"neutral","sentiment_score":-0.053774166852235794}],"sentiment":"neutral","sentiment_score":0.0423108022660017,"num_words":22,"start":1439.0,"end":1447.64},{"sentences":[{"text":"I just just two seconds.","start":1447.64,"end":1448.76,"sentiment":"neutral","sentiment_score":-0.024305170960724355},{"text":"I just gotta talk to my kids.","start":1448.76,"end":1450.44,"sentiment":"neutral","sentiment_score":-0.0050283800810575485},{"text":"One one 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I'll see if this person is available.\n\nChannel 0: Dana, Oceany Financial.\n\nChannel 1: Thanks, Dana. Please stay on the line. Good morning.\n\nChannel 0: Hi, Joanne. It's Dana from OT. How are you today?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: I'm very well. Thank you. I just had to book in this morning just to go through the updated advice document with you this now for the time.\n\nChannel 1: Yeah. Yep. Sounds good.\n\nChannel 0: Yep. Fantastic. No. I can see that you haven't seen the email. I did send the document through to you there.\n\nAre you able to open that at all, or have you had a bit a bit of a look through it already?\n\nChannel 1: I've looked through it and signed it for you.\n\nChannel 0: Oh, fantastic. Did you happen to read through most of the recommendations at all just to kinda get a feel for what we're updating for you?\n\nChannel 1: I'm just still sitting in the high risk. Is that right? And I'll just get it up because\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: my income\n\nChannel 0: If you wanna pull you're right.\n\nChannel 1: my\n\nChannel 0: Sorry.\n\nChannel 1: in my income has changed, so\n\nChannel 0: Okay. That's\n\nChannel 1: you\n\nChannel 0: alright.\n\nChannel 1: can update.\n\nChannel 0: If you just pull yeah. That's cool. If you pull that one up, we can go through those sections together, and I can go through and make any updates that we do need, which is absolutely fine. Before we jump into the call there, Charlene, I just have to let you know we do record our calls for quality and training purposes. Are you happy for any difference with that?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. And just to build really quick security check there with you as well, I just need to confirm your full name, your date of birth, and address for me as well.\n\nChannel 1: Yep. It's Joanne Louise Adams Abbott. Fifth of the second\n\nChannel 0: Yes.\n\nChannel 1: eighty seven and sixty three Sherwood Road, Audeville, two double four zero.\n\nChannel 0: Fantastic. Fantastic. Thank you so much. How's your morning been so far?\n\nChannel 1: It's been good. We we did sleep in, so we're running just all started getting up.\n\nChannel 0: That's okay. Have you at least had your coffee for the morning?\n\nChannel 1: Yes.\n\nChannel 0: Oh, good. The last thing I wanted to go through this with you if you haven't had coffee. I definitely I've\n\nChannel 1: Absolutely.\n\nChannel 0: already had two. Sorry.\n\nChannel 1: Yes.\n\nChannel 0: All good. If you can let me know once you've got that one up in\n\nChannel 1: Yep.\n\nChannel 0: front\n\nChannel 1: I\n\nChannel 0: of you.\n\nChannel 1: bought\n\nChannel 0: They're\n\nChannel 1: it off.\n\nChannel 0: so sorry.\n\nChannel 1: That's what\n\nChannel 0: Fantastic.\n\nChannel 1: I offered.\n\nChannel 0: All good. Now on the front page, it does note that the per document has been prepared for yourself. We completed the document, and we dated the yesterday's date. All of that advice is valid for sixty days after the date on the document. On the bottom there, it does have my licensing information there for you.\n\nSo I'm prepared by myself and my team here at Oakley Financial, and my license number is 1304394.\n\nChannel 1: Yes.\n\nChannel 0: So, essentially, with the advice system, make it nice and easy for you because I know you've probably got a lot going on. Essentially,\n\nChannel 1: Yep.\n\nChannel 0: we are looking to keep you in that high growth portfolio. So you are still a high growth investor. The high growth environment does suit your time horizon, so you can't technically access it until the at the earliest, as displayed, is August. So being in that high growth environment gives you access to being able to essentially obtain greater potential returns and compound you know, get greater compounding towards your retirement, but it also means that, you know, we do see some sort of downturns there. We just wanna make sure that you're not able to access that money within the next eight years to be remaining in that environment.\n\nAnd this puts your time horizon, your risk capacity, and your tolerance extremely well. I have just made some changes to your investment portfolio within half twenty four, so we have sort of had a look at things this year and noted that with the ups and downs we've seen this year. And I'm also the page number 20 there for you if you wanted to have a look at that. This is I'm over complicating it for you.\n\nChannel 1: Yeah. Just one second.\n\nChannel 0: But\n\nChannel 1: I'm just gonna get out of this because I'm just gonna go into\n\nChannel 0: alright.\n\nChannel 1: the actual because I only was in the signed one. Alright. So page 20.\n\nChannel 0: Mhmm.\n\nChannel 1: One sec.\n\nChannel 0: That's okay. You're fine.\n\nChannel 1: Alright. It comes in heaps of different ones on what I saved. So which one are we in?\n\nChannel 0: Done. So the heading on this one is the investment recommended investments for superannuation, and you should see a table with all the investment names below. My page is number 20, but yours could be 21 or 22. I know sometimes when we send it electronically, it comes it adds a few different pages on there or changes the page numbers around.\n\nChannel 1: Okay. I'm just gonna get oh my god. This is\n\nChannel 0: That's okay. Did you want me to re email it to you, the version I have here, just to make\n\nChannel 1: Yeah.\n\nChannel 0: it easier?\n\nChannel 1: That's that would be good. So it's\n\nChannel 0: Yes.\n\nChannel 1: all in one.\n\nChannel 0: Absolutely. I'll just send a separate email real quick to you here. There we go. Just quickly attach it for you. Sorry.\n\nWait for two seconds. Didn't want to send you a blank email. There we go. Okay. I've just sent that one through to you as a separate email with the attachment.\n\nSo when that pops through, if you open that up, and that's essentially the unsigned version that I'm looking at. It might be easier for the pay number there for you. Okay.\n\nChannel 1: Yep. One second.\n\nChannel 0: All good. No worries. If my voice goes a little bit high or low or starts to dissipate a little bit, I do apologize. I'm coming off the back end of the cold. So\n\nChannel 1: Oh,\n\nChannel 0: I'm trying\n\nChannel 1: that's\n\nChannel 0: to keep my\n\nChannel 1: okay.\n\nChannel 0: voice trying to keep my voice as clear as possible for you.\n\nChannel 1: That's all\n\nChannel 0: Gotta love this\n\nChannel 1: good.\n\nChannel 0: time of year.\n\nChannel 1: Yeah. So you're on page 20 one sec.\n\nChannel 0: Page 20. Yeah.\n\nChannel 1: Okay. Yep. Okay.\n\nChannel 0: Perfect.\n\nChannel 1: Yep. I did say this.\n\nChannel 0: So\n\nChannel 1: I didn't\n\nChannel 0: with\n\nChannel 1: understand\n\nChannel 0: the hub\n\nChannel 1: it.\n\nChannel 0: oh, that's okay. It is quite a lot going on. To make it a bit easier, sort of where you really wanna focus your attention is the red and green is the buy sell column. That's essentially what we're gonna transfer. The red is what we're gonna sell investment wise, and the green is what we're essentially going to buy.\n\nSo with the target balance there, that's essentially what you're going to have in the investments once they've completed the switches. So the first two the first two have come out green, but they should have been red. So what we're gonna do is we're gonna start by, obviously, transferring your insurance cover over into hub twenty four so that you keep the level of cover you have within AWARE and PWSIP. But we're gonna transfer that insurance cover over into hub twenty four so you retain that level of cover. We're\n\nChannel 1: Mhmm.\n\nChannel 0: then gonna transfer and consolidate your super funds. So the money from the Aware and the PWSAP move it into Hub twenty four. And once that's all consolidated together, we're then gonna make some investment changes. So within Hub twenty four, the Bannalong Australian Equities investment has been underperforming a little bit. They've had a few troubles this year with their underlying investment, and the investment manager hasn't been able to do very well.\n\nSo we don't want you to be in anything that's underperforming, so we are gonna remove you solely out of that investment. And then you've also got the ACDCC global lithium and battery tech that has been doing very, very well. But you're a little bit overexposed in that area at the moment, so we're just gonna sell off a bit over a thousand dollars there for you and bring your exposure back to 7%. So you'll have about 14,713 invested in that investment there.\n\nChannel 1: Yep.\n\nChannel 0: Okay? With the bank hybrids, they are a great investment. Nothing wrong with them. They're defensive in nature. You just have a little bit less than what we would like to see with that investment, so we're gonna buy a little bit more of that.\n\nAnd we're gonna purchase about 5,000 of that and bring your exposure up to 7%. With the VanEck China new economy, again, keeping that investment, it hasn't done too badly. It is still a really good investment. It's more of a niche market to be in, and it helps to provide diversification for you and your portfolio. You're about 3% there at the moment.\n\nWe wanna see about 7% invested, so we're just gonna rebalance you back and buy some more of that investment there. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Physical gold, at the moment, you've got about 9% invested. Really good to have. Physical gold has done some really great growth over the last twelve months. Everyone's really seen good changes in that. In this last few months, the last from February now, we have been a bit more ups and downs with physical gold and what's been going on globally there.\n\nBut you're a little bit overexposed at the moment, so we are just gonna sell some of the physical gold, cement some of the gains that have been made, and reduce your exposure back to 7%.\n\nChannel 1: Yep.\n\nChannel 0: You've also got some beta shares. Cyber security. Cyber security has been some ups and downs this year, has been affected very much by what's happening between Iran and The US. You've got about 7.95% at the moment, so those are over exposed. So we're going to essentially bring you back to about 7%.\n\nIt does actually mean we are buying some of that, though. So you're you currently have 7.95% of your total balance, but when we kind of transfer the funds from the two other super funds and consolidate everything, when we kinda look at how much you'll have, we will need to purchase some more of that investment to rebalance you back to 7%. Okay?\n\nChannel 1: Yep.\n\nChannel 0: With the S and P 500 there, that is still a really good investment, giving you access and expenses to 500 companies on The US exchange. You actually have about 34.09 of your current portfolio invested in that. We wanna keep up about 30% invested in that. So once we consolidate, it does mean we will have purchase about $5,000 of that investment, and that'll bring you up to 30% of the total once we consolidate. Okay?\n\nChannel 1: Yep.\n\nChannel 0: So VanEck Australian property, this is giving you exposure to residential and also commercial property. Again, it's really good for the diversification. Has not done too badly at all. At the moment, you've got about 4.36% there. We wanna hold about 5% of your total portfolio.\n\nOnce we do consolidate, it does mean buying a little bit more of that investment, but you'll essentially see about $1,010,000 in there. There's a 10,000 in the investment, and it will be about 5% of your total portfolio. Because we are selling off the Benelon Australian equities at the moment, that will happen shortly because it has been underperforming. We need to replace your Australian exposure in your portfolio. So we're actually gonna buy into the beta shares a 200, which is the very bottom one.\n\nThis essentially gives you greater diversification in your portfolio, and this investment is actually cheaper than the Bennelong investment. So one of the\n\nChannel 1: Yep.\n\nChannel 0: things I did sort of have a look at was Bennelong is more of an actively managed investment option. The investment manager is meant to be buying and selling investments in a way that benefits the market, that gets you greater levels of pretend they're trying to outperform against the greater market as a whole, and they haven't been able to do that. Venmo normally holds anywhere between 15 to 25 different investment options. So by selling that off, we're putting you into a more of a passive invested fund for the beta shares a 200. This one tracks the top 200 companies on the ASX.\n\nIt's actually giving you instead of 15 to 25 different investments from the Australian market, it's actually giving you greater diversification because you'll be tracking the top 200 companies, and it's more of a passively managed fund. So you actually save on fees for having this investment in there, which is really good. Okay?\n\nChannel 1: Yes.\n\nChannel 0: And then we've also got the Raffy a 200 in there as well. This is, again, giving you exposure to 200 companies. We're not overexposing. We're just diversifying. The Raffy does look at small to mid cap stock from the ASF, so we're giving you great diversification there whilst making sure that you do have some Australian exposure on the on the stock market as well.\n\nDoes that make\n\nChannel 1: Yep.\n\nChannel 0: sense? And do you have many questions around that? I try to keep it fairly simple.\n\nChannel 1: Yeah. No. That's fine. Yep.\n\nChannel 0: Perfect. Perfect. So, essentially, that's what we wanna do to change your investment portfolio. This year, the ups and downs the market has been. We've wanted to really go back and have a look at how your funds are invested and make sure that you're seeing the right exposure, but that we don't wanna keep any underperforming investments in your portfolio.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: As I kinda mentioned before, we are looking to transfer your cover. So with the insurance side of things, you originally had the goal that you wanted to make sure that in the event that something was to happen, that you could, you know, pay off any debts that you have. Make sure you're looking after your family. With life and community and income protection, it was really important that you wanted to make sure your kids were looked after in the event that something happened. Cover the debts.\n\nAt the time, you had about 27,000 in debts to repay, so we were looking to replace that. But then also replace your income until your youngest child turns 18, and that was all part of making sure you were looking after your kids. And it's making sure that you had income protection up to the maximum level in the event that something happened. So\n\nChannel 1: Mhmm.\n\nChannel 0: we had a pre assessment, which we went back and had a really good look at how everything was going and how what was the chance would be offered for the insurances. There is kind of three steps to this recommendation to make sure it is working harder for you. The first step is to transfer your current cover. So you do have some group cover within your PWSAP account, and you're aware, Susan, the group cover is a much cheaper option to keep. But because there was on your pre assessment some health conditions that we sort of needed to note about you were taking Ozempic, you had some mental health in the back in the yeah.\n\nPreviously, and also your upper back and neck, you have seen some pain\n\nChannel 1: Mhmm.\n\nChannel 0: in those areas. When we preassessed those with the insurers, it did mean that they would exclude any preexisting conditions. So by transferring the insurances you have within Aware and PSAP over to HUB twenty four, that means you keep those insurances exactly as they are. There's no exclusions or loadings I'm sorry. No exclusions or loadings on those policies, and that gives you a level of cover that has no exclusions or loading.\n\nSo it's\n\nChannel 1: Yep.\n\nChannel 0: giving you\n\nChannel 1: Perfect.\n\nChannel 0: a base level of cover, and there's no loading or exclusions on that base level. Essentially, in order to sort of give you the level of cover to meet your goal, we then also needed to increase the cover a little bit higher. So we needed to then apply for an extra 900,000 of life and TBD to boost up your life and TBD to meet your goal. So it does mean that we are gonna also apply for retail cover with Zurich, but we do expect on the application for that that there will be a mental health exclusion on that higher level. There will be an upper back and neck exclusion and possibly a 50% loading on life and a 100% loading on TV, and, of course, we're not gonna apply for IP.\n\nSo that will give you the higher level of cover. The transferred amount will not have any loadings or exclusions, so you'll be able to claim on that lower amount for anything additional. And that essentially means that you'll have because that's the one that you've got 261,000 of life and TPD through Aware and a 165,000 of life and TPD with PWSAP. So it essentially gives you about $400,000 for the cover there with no loadings or exclusions, and that's the best way to keep that as much as possible. On the\n\nChannel 1: Yes.\n\nChannel 0: extra higher amount of 900,000 of life and TBD, we expect to have the mental health exclusion and the back end or neck exclusion on there. That just essentially means that you won't be able to claim on that higher amount of cover for anything preexisting. The biggest thing to make mention is that if you were to, say, have a new injury and it did hit your back or your neck or something was to happen, you can still claim, essentially, the way Insurer looks at any new injuries that injure your back or neck when you have an exclusion, if they look at if a reasonable person in that same circumstance that didn't have exclusions or loadings on that policy, if they would have the same injury or illness as you, would they be able to claim? Would that be a reasonable claim? So it doesn't ever stop you from claiming for the back or neck or mental health.\n\nIt's just in relation to any previous injuries, damages, or anything that's been preexisting. Does that make sense?\n\nChannel 1: Yep. So how would that work in my well, I just have questions for that one because I do work in a very\n\nChannel 0: Absolutely.\n\nChannel 1: high pressure, like, social, like, you know, like, I'm working child protection. So, obviously,\n\nChannel 0: Yes.\n\nChannel 1: mental health is a really big risk in that kind of field.\n\nChannel 0: Uh-huh. Yep.\n\nChannel 1: If I was to go off on some leave due to stress\n\nChannel 0: Mhmm.\n\nChannel 1: or there was an incident, that's gonna affect me then, isn't it? I won't be able to claim.\n\nChannel 0: Yes. So it really depends. So on the the income protection policy that you do have with PWSAP, we're gonna transfer that as well. That will have no exclusions or loading. And if you were to go off work in the short term due to mental health, you'd be more likely to start claiming on income protection.\n\nBy doing this, you'll still be able to claim on that policy. That won't be affected in any way, shape, or form. With the TCV, the first $426,009.78, which is the amount that we're transferring from your two current funds in the hub 20 4, that won't have any exclusions or loading. So if you were TCD for mental health, you would still be able to claim on that level of cover. When it comes to the cover that we're applying for with Zurich, that's the additional 900,000 of TBD, they will then have that mental health exclusion.\n\nSo that means that you won't be able to claim on the 900,000 of TBD with Zurich because that will be excluded for mental health. In saying that, an exclusion is normally applied for about three to five years. If you've had no mental health symptoms or treatment for three to five years, we can absolutely review that, and the exclusion can be removed on that higher amount of cover. Does that make sense? You're welcome to ask me more questions if you need.\n\nChannel 1: I don't know. I just sit a little bit funny in that because I feel like if there was something that was going to put me off work for the rest of my life, if I remained in this field, it would have to be something probably related to mental health.\n\nChannel 0: Yeah.\n\nChannel 1: We'll have a have a form of mental health aspect to that\n\nChannel 0: Mhmm.\n\nChannel 1: because of my job. So\n\nChannel 0: Yep.\n\nChannel 1: I don't know. I just seem\n\nChannel 0: Yeah.\n\nChannel 1: a bit\n\nChannel 0: Absolutely.\n\nChannel 1: friendly with that.\n\nChannel 0: That's okay. So the other option is I mean, this is a recommendation to be able to help you to meet your goal, and it requires just transferring the first level of cover, which there's no exclusions or loadings on. That is absolutely kept exactly as it is now. This just the retail cover that we need to apply for to reach your goal. You do, however, have the option of not applying for the retail cover.\n\nYou don't have to take the part of the recommendation for Zurich, and it just means that we transfer your current cover into Hub twenty four. We consolidate everything, and it means that life and TDD, in the event of a claim, you have a level of cover of $4.26 $9.07 8, the 426,978. On that level of cover, there's no explosions or loading. So you will still be able to claim for mental health in the event of something occurring. Does that make sense?\n\nChannel 1: Oh, yeah. It does. Is it must\n\nChannel 0: Yes.\n\nChannel 1: ex like, do I have to pay a fee to have that higher 900 on there? Like, for an example, if I like I don't know. I got hit by a bus. Hopefully, that wouldn't happen.\n\nChannel 0: Yeah.\n\nChannel 1: That\n\nChannel 0: Yeah.\n\nChannel 1: is that what that would kind of fall into that other one, but would I have to pay extra on top to have that 900,000 cover?\n\nChannel 0: Yeah. So with transferring the current cover over, that all transfers over. That is a cheaper cover to transfer. We're applying for new insurances. We estimated the total cost to come out of super to be $3,006.\n\nThat's the total of all your insurances wholly. If you just wanted to look at doing the transfer terms and not applying for the Zurich, essentially, in the appendices, we have the difference in the cost, but it works out to be about $900 insurance cost, and you would only have that 400,000 level of cover there. So you don't have to take the retail cover option. You don't have to increase your cover as much as you as we recommended. We're just essentially showing you in order to meet your goal, this is what we need to do.\n\nThese are the disadvantages of doing that. This is the kind of expectation we have based on what we know, and this is\n\nChannel 1: Yep.\n\nChannel 0: the cost of doing that at the same time.\n\nChannel 1: Yes.\n\nChannel 0: But at the same time, you don't have to. If you don't don't don't really want to have the Zurich retail cover, that's absolutely fine. You don't have to. As long as you're happy with just having that 400,000 of life in TVE, as I mentioned, we we did look at trying to get income protection. Income protection, you've got about your current cover has about 500 sorry.\n\n5,049 as a monthly benefit, and that it is just a little bit under essentially, the 70% that you would need. But if we tried to apply for more income protection, the cost would be a lot higher, and there would also be those loadings and exclusions there. So we're not recommending any additional income protection to be purchased. We're just gonna transfer your current income protection policy over. It will still have the nine day waiting period to either end up screwed for you, but that cover, there'll be no loading or exclusion.\n\nSo when we tend to go off work, especially for things like mental health or injuries, we tend to have to claim in a certain order. Normally, the first thing we claim on is income protection because we're\n\nChannel 1: Yep.\n\nChannel 0: off work. We make that waiting period, so we're off work for ninety days. We then need to make that claim to sort of get us an income replacement, so we claim on income protection. Then if we're still off work and can't go back to work, then we try to claim on CBD. And then if we, you know, pass away or become family\n\nChannel 1: Yes.\n\nChannel 0: ill at the end of the last cover is the last thing to be applied for. So it's just\n\nChannel 1: Yes.\n\nChannel 0: that's the way insurances tend to work the way we claim on things normally. As I said, your income protection policy transferring exactly as it is. No loadings or exclusions will be applied on that one. It's just the life and TBD. We'll transfer the cover as is.\n\nThere'll be nothing no exclusions or loading from that policy either. It's just the increase if you decide to go through and apply for that 900,000 with Zurich. You don't have to. It does obviously reduce the insurance cost if you don't apply for that cover with Zurich, but it also means that in the event of a TPD\n\nChannel 1: Yep.\n\nChannel 0: or a life event, you don't have that high level of cover to fall back on. So it's just about what's important to you and what you're comfortable proceeding with, if that makes sense.\n\nChannel 1: Yeah. That sounds good. I'll go with what you're recommending. I\n\nChannel 0: Yeah.\n\nChannel 1: just wanted to have those couple\n\nChannel 0: Yeah.\n\nChannel 1: of, you know, statements. I just wanted\n\nChannel 0: Yeah.\n\nChannel 1: to just kind of talk that out. It was.\n\nChannel 0: Absolutely.\n\nChannel 1: Can\n\nChannel 0: Absolutely.\n\nChannel 1: you just wait two seconds?\n\nChannel 0: It's\n\nChannel 1: Is that\n\nChannel 0: a little\n\nChannel 1: okay?\n\nChannel 0: bit\n\nChannel 1: Sorry. I just just\n\nChannel 0: bit\n\nChannel 1: two seconds. I just gotta talk to my kids.\n\nChannel 0: yeah.\n\nChannel 1: One\n\nChannel 0: You're\n\nChannel 1: one\n\nChannel 0: right.\n\nChannel 1: moment.\n\nChannel 0: You're right.\n\nChannel 1: Sorry.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: absolutely\n\nChannel 1: They\n\nChannel 0: fine.\n\nChannel 1: just\n\nChannel 0: I\n\nChannel 1: wanna\n\nChannel 0: can\n\nChannel 1: have\n\nChannel 0: hear them\n\nChannel 1: breakfast\n\nChannel 0: in the background.\n\nChannel 1: and stuff.\n\nChannel 0: So sorry.\n\nChannel 1: Yeah. No. That's okay. Yeah. No.\n\nThat's fine. You can do all of that. That's fine.\n\nChannel 0: Yeah. That's all good. It's a little bit because there are three steps to this, it's kind of transferring the cover you have with your two current providers in the hub 24 and then applying for more cover on top of that. There is a little bit to kind of wrap your head around, slightly understandable, but it's important to note that, essentially, out of the total amount of cover you'll have, the first $426,009.78\n\nChannel 1: Yes.\n\nChannel 0: doesn't have any loading or include, but that is exactly as it is now, which is the benefit.\n\nChannel 1: Yep.\n\nChannel 0: And it means your total cover amount, you'll have as little like a 1,300,000 in coverage meets your goal. And if you were to pass away, it looks after your family and see your youngest child turns 18. But then it also you know, in the event of TBD event means that if you're off work because one of the biggest things we do find with TBD is permanent disablement. So if you're at this stage, you're just so young, you know, if you're unable to go back to work ever again, you kind of gotta cover your life so I'll look after your family as long as you possibly can. So that CBD, again, will cover your life until your youngest ten eighteen, and then you've also got your super building on top of that, which is important as well.\n\nSo it does mean that our exclusion's been loading to the first part of the policy, but we will look at when they can be reviewed, and we'll make sure we do review those with you and have those removed or altered as we can. We also review the policies every year to make sure that they remain in line with what you need with what your goals are, and we can alter those policies as we need to. The way we see insurances to begin with is when you're younger, we need a higher level of cover. We have more debt. We obviously have, you know, family to look after a lot more in the way of expenses, and our super balance is a bit lower.\n\nBut as our super increases in value, as our debt level decreases, as our needs for insurance decrease, we start to be able to decrease those policies down as well. And the first thing we would look to decrease would be that direct policy. It's obviously the most expensive part of the policy, and that's the one with the loadings and exclusions, so we would look to decrease and alter that policy before we touch anything on the lower part of the policy that doesn't have any loadings or exclusion. Does that make sense?\n\nChannel 1: Yep. Definitely. Yes.\n\nChannel 0: Yep. All good. I would sort of I would sort of suggest if you've got some time later, pull up that section of the document. Have a really good read through it as well because it kinda does outline all that information for you and break it down. I've also got a needs analysis below for you as well, which outlines essentially what we're doing, why we're doing it, and how we got the figures that we have there for you.\n\nChannel 1: Yep.\n\nChannel 0: Some of them when I'm kinda going through it with you, I'm telling you what we're gonna do, how it works, but it can also just take be easy when you take a bit of time for yourself to have a look at the document and read through those sections as well so you can kind of break it down. Okay?\n\nChannel 1: Yep. Thank you.\n\nChannel 0: All good. Essentially, if you then are able to scroll up to page 23 for me, the fee comparison table, This essentially shows you the outlook of all those recommendations to make it easier on you.\n\nChannel 1: Oh, yep.\n\nChannel 0: Beautiful. So the current has your three super funds at the moment with the balances you have in there at the moment and the fees that you're paying out of those funds currently, the contributions going in, and also your insurance premium. At the moment, when we look at how you invested across the three funds, you're essentially in more of a growth portfolio. You're actually meant to be more of a high growth environment looking to get greater potential returns, working and compounding your super hard towards your retirement. So by making the changes, consolidating the super funds, applying to that newer level of cover through Zurich, and transferring your current insurance to HUB24, we can actually see you would end up with a starting balance of 212,848.\n\nEverything is in one place, making it nice and easy for you. You still have administration fees and investment fees and any other fees applicable to the fund, but it's all in one place. The ongoing service fee is still being deducted. Essentially, you do pay off the fee of 1.65% per annum, and that is deducted in smaller monthly increments. And that's our ongoing service, so you can look after your super updating and reflecting your advice and working hard towards your goals.\n\nYour contributions\n\nChannel 1: No.\n\nChannel 0: will continue to will go in, and we'll have them move to the hub 24. That way, you can continue to receive contributions and build on your super. And then the 3,006, that's essentially the total we expect for the total insurance premium. So that's the transfer of the two current insurance policies and then also the direct policy. And that shows you the best view what we'd expect to come out of your paper.\n\nChannel 1: Yep.\n\nChannel 0: When you\n\nChannel 1: I've\n\nChannel 0: look\n\nChannel 1: got\n\nChannel 0: at\n\nChannel 1: two\n\nChannel 0: how\n\nChannel 1: I've got\n\nChannel 0: the shape\n\nChannel 1: two\n\nChannel 0: yes.\n\nChannel 1: sorry. I've got two employers\n\nChannel 0: Yes.\n\nChannel 1: now. So will you tell them to change\n\nChannel 0: Yeah.\n\nChannel 1: it all, like, all their contributions into to change.\n\nChannel 0: Absolutely. We'll\n\nChannel 1: Shoes.\n\nChannel 0: provide\n\nChannel 1: Yep.\n\nChannel 0: you with the contributions form, and you just send that to them, and then we'll make sure that they get transferred over. If you wanted to provide us with their emails, we can absolutely email them the information as well. So we'll definitely make sure that happens for you. It's not a problem at all. Okay?\n\nWith the changes to the investments that we kinda went through above as well, it's important to note that there are so like yourself, your super fund every year does a tax return for you. So in order to make the investment switches, we estimate the CDT to be about $98, very small amount of CDT to be able to change the investment portfolio. And when we look at how everything has been working\n\nChannel 1: No.\n\nChannel 0: and the the essentially, the newer portfolio and how it has returned, it's averaged 12.02% over the last five years as well. So on the next page, you've got a projection outcome, and it sort of shows by consolidating, even with applying to the higher level of cover, everything does work in your favor. And over the next five to ten years, we can project you to be in a much greater position than where you would be currently. Does that make sense?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yes. All good. Look. You've got a lot going on. What I'll do is\n\nChannel 1: Yes.\n\nChannel 0: I'll let you go back to have a read through the document. Please let\n\nChannel 1: Yes.\n\nChannel 0: me know if you have any questions in relation to it, Joanne. And did you want me to sort of send you just an email after the call just with a bit of a breakdown on the recommendations as well just to kind\n\nChannel 1: Yes.\n\nChannel 0: of clarify\n\nChannel 1: That would\n\nChannel 0: things\n\nChannel 1: be\n\nChannel 0: for\n\nChannel 1: really\n\nChannel 0: you a little\n\nChannel 1: good.\n\nChannel 0: bit more? Yep.\n\nChannel 1: Yes.\n\nChannel 0: Yep.\n\nChannel 1: That\n\nChannel 0: Easy.\n\nChannel 1: would be really\n\nChannel 0: I'll do not a problem at all. What I'll do is I know you have signed the document. Did you want me just to hold off? I will send you the email now, give you some time to read it over, and then you can just email me back and let me know if you'll have the receipt or if there's any changes that you wanna make. Does that sound okay?\n\nChannel 1: Yep. That sounds good. Also, I noticed that my\n\nChannel 0: Yes.\n\nChannel 1: income's at a 107, but it is at a 120 plus. I've got the second employment. So do\n\nChannel 0: Okay. Yeah. So I'll update that for you in the back end.\n\nChannel 1: you\n\nChannel 0: The good thing is because we're not able to apply or we're not applying for new income\n\nChannel 1: need\n\nChannel 0: protection or higher income protection, it\n\nChannel 1: that?\n\nChannel 0: won't have any effect on the application with Zurich, but I will make a note in the back end for you.\n\nChannel 1: Okay. Sounds\n\nChannel 0: Beautiful.\n\nChannel 1: good.\n\nChannel 0: And is is the new role, the secondary role, is that different to what you're doing at the moment?\n\nChannel 1: Yes. It's a governance role, so I'm a director on the board.\n\nChannel 0: Okay. Director on a board. Beautiful. Lovely. And do you do work for that every week or fortnight?\n\nIs there just something you meet\n\nChannel 1: It's\n\nChannel 0: on\n\nChannel 1: every\n\nChannel 0: a regular basis to do?\n\nChannel 1: it's every fortnight. It's paid every fortnight,\n\nChannel 0: Fortnight.\n\nChannel 1: but I do a lot of work\n\nChannel 0: Okay.\n\nChannel 1: outside of that.\n\nChannel 0: Yeah. You probably do more than you paid for.\n\nChannel 1: Yes. Definitely.\n\nChannel 0: Yep. Excellent. Not a problem at all. Well, what easy. That's basically the nod of everything for you.\n\nFeel free to go back and have a bit of a read through those sections. Just wanna wrap your head around the breakdown of the insurance side of things. Let me know if there is any questions, and I'm just gonna shoot you a quick email now just with a quick breakdown of the recommendations just to kind of\n\nChannel 1: Yes.\n\nChannel 0: help you out. If you have additional questions, come back and let me know. I know it is a lot to go through, and I'm so sorry.\n\nChannel 1: That's alright.\n\nChannel 0: It's just about making sure that you you kinda get all that information as well. Okay?\n\nChannel 1: Yep. Okay. Good. Thank you.\n\nChannel 0: No worries. You have a good day. I hope you have a good day, and let me know if there's anything you need, Joanne.\n\nChannel 1: Okay. Thank you. See you.\n\nChannel 0: Thanks.\n\nChannel 1: Bye.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Record your name and reason for calling.","start":0.24,"end":2.24,"sentiment":"neutral","sentiment_score":0.006482247063624007},{"text":"I'll see if this person is available.","start":2.24,"end":4.18,"sentiment":"neutral","sentiment_score":0.01457785109856299}],"sentiment":"neutral","sentiment_score":0.010530049081093498,"channel":1,"num_words":14,"start":0.24,"end":4.18},{"sentences":[{"text":"Dana, Oceany Financial.","start":6.7999997,"end":8.26,"sentiment":"neutral","sentiment_score":0.052367486680547394}],"sentiment":"neutral","sentiment_score":0.052367486680547394,"channel":0,"num_words":3,"start":6.7999997,"end":8.26},{"sentences":[{"text":"Thanks, Dana.","start":13.36,"end":14.34,"sentiment":"positive","sentiment_score":0.45033538341522217},{"text":"Please stay on the line.","start":14.605,"end":15.825,"sentiment":"neutral","sentiment_score":0.23957327604293824},{"text":"Good 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have you had a bit a bit of a look through it already?","start":41.614998,"end":45.635,"sentiment":"neutral","sentiment_score":0.048905905674804344}],"sentiment":"neutral","sentiment_score":0.048905905674804344,"channel":0,"num_words":22,"start":41.614998,"end":45.635},{"sentences":[{"text":"I've looked through it and signed it for you.","start":45.645,"end":47.905,"sentiment":"neutral","sentiment_score":0.12144937614599864}],"sentiment":"neutral","sentiment_score":0.12144937614599864,"channel":1,"num_words":9,"start":45.645,"end":47.905},{"sentences":[{"text":"Oh, fantastic.","start":48.335,"end":49.394997,"sentiment":"positive","sentiment_score":0.3352518826723099},{"text":"Did you happen to read through most of the recommendations at all just to kinda get a feel for what we're updating for 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good.","start":140.71,"end":141.45,"sentiment":"positive","sentiment_score":0.5126899629831314},{"text":"Now on the front page, it does note that the per document has been prepared for yourself.","start":141.91,"end":146.22499,"sentiment":"neutral","sentiment_score":0.07258245283189942},{"text":"We completed the document, and we dated the yesterday's date.","start":146.44499,"end":149.405,"sentiment":"neutral","sentiment_score":0.0867180235683918},{"text":"All of that advice is valid for sixty days after the date on the document.","start":149.405,"end":152.86499,"sentiment":"neutral","sentiment_score":0.07620086272557576},{"text":"On the bottom there, it does have my licensing information there for you.","start":153.405,"end":156.44499,"sentiment":"neutral","sentiment_score":0.08610837190197064}],"sentiment":"neutral","sentiment_score":0.09454181816494256,"channel":0,"num_words":57,"start":140.71,"end":156.44499},{"sentences":[{"text":"So I'm prepared by myself and my team here at 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investment there.","start":476.985,"end":481.725,"sentiment":"neutral","sentiment_score":0.028226670622825623}],"sentiment":"neutral","sentiment_score":-0.12328652927980703,"channel":0,"num_words":85,"start":455.115,"end":481.725},{"sentences":[{"text":"Yep.","start":482.16,"end":482.66,"sentiment":"neutral","sentiment_score":0.13642853498458862}],"sentiment":"neutral","sentiment_score":0.13642853498458862,"channel":1,"num_words":1,"start":482.16,"end":482.66},{"sentences":[{"text":"Okay?","start":483.145,"end":483.625,"sentiment":"neutral","sentiment_score":0.13891199231147766},{"text":"With the bank hybrids, they are a great investment.","start":483.625,"end":486.425,"sentiment":"positive","sentiment_score":0.5228204528490702},{"text":"Nothing wrong with them.","start":486.425,"end":487.22498,"sentiment":"positive","sentiment_score":0.38132618367671967},{"text":"They're defensive in nature.","start":487.22498,"end":488.76498,"sentiment":"neutral","sentiment_score":0.206083782017231},{"text":"You just have a little bit less than what we would like to see with that investment, so we're gonna buy a little bit more of that.","start":489.06,"end":494.26,"sentiment":"neutral","sentiment_score":0.04945997535078614}],"sentiment":"neutral","sentiment_score":0.18954122811555862,"channel":0,"num_words":45,"start":483.145,"end":494.26},{"sentences":[{"text":"And we're gonna purchase about 5,000 of that and bring your exposure up to 7%.","start":494.26,"end":499.88,"sentiment":"neutral","sentiment_score":0.13637573619683582},{"text":"With the VanEck China new economy, again, keeping that investment, it hasn't done too badly.","start":500.5,"end":505.965,"sentiment":"neutral","sentiment_score":0.2181107188264529},{"text":"It is still a really good investment.","start":505.965,"end":507.405,"sentiment":"positive","sentiment_score":0.5057722346058914},{"text":"It's more of a niche market to be in, and it helps to provide diversification for you and your portfolio.","start":507.405,"end":513.02496,"sentiment":"positive","sentiment_score":0.3818127945065498},{"text":"You're about 3% there at the moment.","start":513.725,"end":515.645,"sentiment":"neutral","sentiment_score":0.15183427397693908}],"sentiment":"neutral","sentiment_score":0.2743249730556272,"channel":0,"num_words":64,"start":494.26,"end":515.645},{"sentences":[{"text":"We wanna see about 7% invested, so we're just gonna rebalance you back and buy some more of that investment there.","start":515.645,"end":522.12,"sentiment":"neutral","sentiment_score":0.17297596023196266},{"text":"Okay?","start":522.12,"end":522.62,"sentiment":"neutral","sentiment_score":0.08179415762424469}],"sentiment":"neutral","sentiment_score":0.16883133284070276,"channel":0,"num_words":22,"start":515.645,"end":522.62},{"sentences":[{"text":"Yep.","start":522.555,"end":523.055,"sentiment":"neutral","sentiment_score":0.109651617705822}],"sentiment":"neutral","sentiment_score":0.109651617705822,"channel":1,"num_words":1,"start":522.555,"end":523.055},{"sentences":[{"text":"Physical gold, at the moment, you've got about 9% invested.","start":524.2,"end":527.74,"sentiment":"neutral","sentiment_score":0.18000131100416183},{"text":"Really good to have.","start":528.28,"end":529.24,"sentiment":"positive","sentiment_score":0.6595750898122787},{"text":"Physical gold has done some really great growth over the last twelve months.","start":529.24,"end":532.555,"sentiment":"positive","sentiment_score":0.5824961822766525},{"text":"Everyone's really seen good changes in that.","start":532.555,"end":536.075,"sentiment":"positive","sentiment_score":0.4476462347166879},{"text":"In this last few months, the last from February now, we have been a bit more ups and downs with physical gold and what's been going on globally there.","start":536.075,"end":544.495,"sentiment":"neutral","sentiment_score":-0.09532400952844784}],"sentiment":"neutral","sentiment_score":0.19650620961236576,"channel":0,"num_words":63,"start":524.2,"end":544.495},{"sentences":[{"text":"But you're a little bit overexposed at the moment, so we are just gonna sell some of the physical gold, cement some of the gains that have been made, and reduce your exposure back to 7%.","start":544.99005,"end":554.53,"sentiment":"neutral","sentiment_score":0.04857674137585693}],"sentiment":"neutral","sentiment_score":0.04857674137585693,"channel":0,"num_words":36,"start":544.99005,"end":554.53},{"sentences":[{"text":"Yep.","start":555.82996,"end":556.32996,"sentiment":"neutral","sentiment_score":0.03622188791632652}],"sentiment":"neutral","sentiment_score":0.03622188791632652,"channel":1,"num_words":1,"start":555.82996,"end":556.32996},{"sentences":[{"text":"You've also got some beta shares.","start":556.11005,"end":557.79004,"sentiment":"neutral","sentiment_score":0.040081415635844074},{"text":"Cyber security.","start":557.79004,"end":558.90497,"sentiment":"neutral","sentiment_score":-0.010467495769262312},{"text":"Cyber security has been some ups and downs this year, has been affected very much by what's happening between Iran and The US.","start":558.90497,"end":565.485,"sentiment":"neutral","sentiment_score":-0.12034936994314194},{"text":"You've got about 7.95% at the moment, so those are over exposed.","start":565.625,"end":570.185,"sentiment":"neutral","sentiment_score":-0.07189352173979084},{"text":"So we're going to essentially bring you back to about 7%.","start":570.185,"end":573.725,"sentiment":"neutral","sentiment_score":0.07911381430246613}],"sentiment":"neutral","sentiment_score":-0.047054672406779394,"channel":0,"num_words":54,"start":556.11005,"end":573.725},{"sentences":[{"text":"It does actually mean we are buying some of that, though.","start":574.33,"end":576.89,"sentiment":"neutral","sentiment_score":0.09815819019621069},{"text":"So you're you currently have 7.95% of your total balance, but when we kind of transfer the funds from the two other super funds and consolidate everything, when we kinda look at how much you'll have, we will need to purchase some more of that investment to rebalance you back to 7%.","start":576.89,"end":594.865,"sentiment":"neutral","sentiment_score":0.053091924565915875},{"text":"Okay?","start":594.925,"end":595.425,"sentiment":"neutral","sentiment_score":0.0415278896689415}],"sentiment":"neutral","sentiment_score":0.060657000925857574,"channel":0,"num_words":64,"start":574.33,"end":595.425},{"sentences":[{"text":"Yep.","start":596.1,"end":596.6,"sentiment":"neutral","sentiment_score":0.09908561408519743}],"sentiment":"neutral","sentiment_score":0.09908561408519743,"channel":1,"num_words":1,"start":596.1,"end":596.6},{"sentences":[{"text":"With the S and P 500 there, that is still a really good investment, giving you access and expenses to 500 companies on The US exchange.","start":597.08496,"end":605.06,"sentiment":"neutral","sentiment_score":0.3176037199222125},{"text":"You actually have about 34.09 of your current portfolio invested in that.","start":605.52,"end":610.66,"sentiment":"neutral","sentiment_score":0.21546288703878722},{"text":"We wanna keep up about 30% invested in that.","start":610.96,"end":613.44,"sentiment":"neutral","sentiment_score":0.2650810546345181},{"text":"So once we consolidate, it does mean we will have purchase about $5,000 of that investment, and that'll bring you up to 30% of the total once we consolidate.","start":613.44,"end":622.125,"sentiment":"neutral","sentiment_score":0.22502818652268114},{"text":"Okay?","start":622.505,"end":623.005,"sentiment":"neutral","sentiment_score":0.106067955493927}],"sentiment":"neutral","sentiment_score":0.25793332751695214,"channel":0,"num_words":77,"start":597.08496,"end":623.005},{"sentences":[{"text":"Yep.","start":623.0,"end":623.5,"sentiment":"neutral","sentiment_score":0.10911430418491364}],"sentiment":"neutral","sentiment_score":0.10911430418491364,"channel":1,"num_words":1,"start":623.0,"end":623.5},{"sentences":[{"text":"So VanEck Australian property, this is giving you exposure to residential and also commercial 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there.","start":640.26,"end":647.685,"sentiment":"neutral","sentiment_score":0.11128448468187581},{"text":"There's a 10,000 in the investment, and it will be about 5% of your total portfolio.","start":647.685,"end":652.025,"sentiment":"neutral","sentiment_score":0.13477357663214207},{"text":"Because we are selling off the Benelon Australian equities at the moment, that will happen shortly because it has been underperforming.","start":653.125,"end":660.54,"sentiment":"neutral","sentiment_score":-0.1343548328039192},{"text":"We need to replace your Australian exposure in your portfolio.","start":660.92,"end":664.77997,"sentiment":"neutral","sentiment_score":-0.10155919753015041},{"text":"So we're actually gonna buy into the beta shares a 200, which is the very bottom 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was Bennelong is more of an actively managed investment option.","start":678.86505,"end":684.69,"sentiment":"neutral","sentiment_score":0.18919091867773155},{"text":"The investment manager is meant to be buying and selling investments in a way that benefits the market, that gets you greater levels of pretend they're trying to outperform against the greater market as a whole, and they haven't been able to do that.","start":684.69,"end":697.065,"sentiment":"neutral","sentiment_score":0.24595440551638603},{"text":"Venmo normally holds anywhere between 15 to 25 different investment options.","start":697.545,"end":702.125,"sentiment":"neutral","sentiment_score":0.07093602757562291},{"text":"So by selling that off, we're putting you into a more of a passive invested fund for the beta shares a 200.","start":702.425,"end":708.445,"sentiment":"neutral","sentiment_score":0.18887402828444133},{"text":"This one tracks the top 200 companies on the ASX.","start":708.745,"end":711.885,"sentiment":"neutral","sentiment_score":0.3127305120229721}],"sentiment":"neutral","sentiment_score":0.2120702956926148,"channel":0,"num_words":106,"start":678.86505,"end":711.885},{"sentences":[{"text":"It's actually giving you instead of 15 to 25 different investments from the Australian market, it's actually giving you greater diversification because you'll be tracking the top 200 companies, and it's more of a passively managed fund.","start":712.62,"end":724.825,"sentiment":"positive","sentiment_score":0.41719701161255707},{"text":"So you actually save on fees for having this investment in there, which is really good.","start":724.825,"end":729.165,"sentiment":"positive","sentiment_score":0.6759210489690304},{"text":"Okay?","start":729.225,"end":729.725,"sentiment":"neutral","sentiment_score":0.30421680212020874}],"sentiment":"positive","sentiment_score":0.49176375954239454,"channel":0,"num_words":54,"start":712.62,"end":729.725},{"sentences":[{"text":"Yes.","start":730.37006,"end":730.87006,"sentiment":"neutral","sentiment_score":0.31838345527648926}],"sentiment":"neutral","sentiment_score":0.31838345527648926,"channel":1,"num_words":1,"start":730.37006,"end":730.87006},{"sentences":[{"text":"And then we've also got the Raffy a 200 in there as well.","start":731.14496,"end":735.245,"sentiment":"neutral","sentiment_score":0.25938478799966663},{"text":"This is, again, giving you exposure to 200 companies.","start":735.305,"end":737.91003,"sentiment":"neutral","sentiment_score":0.2651628918117947},{"text":"We're not overexposing.","start":737.91003,"end":738.73004,"sentiment":"neutral","sentiment_score":0.22284260392189026},{"text":"We're just diversifying.","start":738.95,"end":739.85004,"sentiment":"neutral","sentiment_score":0.30897367000579834},{"text":"The Raffy does look at small to mid cap stock from the ASF, so we're giving you great diversification there whilst making sure that you do have some Australian exposure on the on the stock market as well.","start":740.07,"end":750.975,"sentiment":"positive","sentiment_score":0.42210841806311356}],"sentiment":"positive","sentiment_score":0.35445510573459393,"channel":0,"num_words":66,"start":731.14496,"end":750.975},{"sentences":[{"text":"Does that make","start":751.055,"end":751.69495,"sentiment":"neutral","sentiment_score":0.3241071005662282}],"sentiment":"neutral","sentiment_score":0.3241071005662282,"channel":0,"num_words":3,"start":751.055,"end":751.69495},{"sentences":[{"text":"Yep.","start":751.64,"end":752.14,"sentiment":"neutral","sentiment_score":0.19807498157024384}],"sentiment":"neutral","sentiment_score":0.19807498157024384,"channel":1,"num_words":1,"start":751.64,"end":752.14},{"sentences":[{"text":"sense?","start":751.69495,"end":751.855,"sentiment":"neutral","sentiment_score":0.15276288986206055},{"text":"And do you have many questions around that?","start":751.855,"end":754.01495,"sentiment":"neutral","sentiment_score":0.08199819922447205},{"text":"I try to keep it fairly simple.","start":754.01495,"end":755.795,"sentiment":"neutral","sentiment_score":0.14193906209298543}],"sentiment":"neutral","sentiment_score":0.11264511989429593,"channel":0,"num_words":16,"start":751.69495,"end":755.795},{"sentences":[{"text":"Yeah.","start":756.2,"end":756.44,"sentiment":"neutral","sentiment_score":0.08586286008358002},{"text":"No.","start":756.44,"end":756.68005,"sentiment":"neutral","sentiment_score":0.08035700023174286},{"text":"That's fine.","start":756.68005,"end":757.48004,"sentiment":"neutral","sentiment_score":0.11977849155664444},{"text":"Yep.","start":757.48004,"end":757.98004,"sentiment":"positive","sentiment_score":0.33434706926345825}],"sentiment":"neutral","sentiment_score":0.148024782538414,"channel":1,"num_words":5,"start":756.2,"end":757.98004},{"sentences":[{"text":"Perfect.","start":758.975,"end":759.475,"sentiment":"positive","sentiment_score":0.7662221193313599},{"text":"Perfect.","start":759.69495,"end":760.175,"sentiment":"positive","sentiment_score":0.6805202960968018},{"text":"So, essentially, that's what we wanna do to change your investment portfolio.","start":760.175,"end":763.315,"sentiment":"neutral","sentiment_score":0.20782121208806834},{"text":"This year, the ups and downs the market has been.","start":763.375,"end":765.535,"sentiment":"neutral","sentiment_score":-0.0006507333368062973},{"text":"We've wanted to really go back and have a look at how your funds are invested and make sure 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happened.","start":815.91504,"end":821.13,"sentiment":"neutral","sentiment_score":0.18522404097020626},{"text":"So","start":821.13,"end":821.63,"sentiment":"neutral","sentiment_score":0.05410473793745041}],"sentiment":"neutral","sentiment_score":0.15425020903348924,"channel":0,"num_words":65,"start":802.3,"end":821.63},{"sentences":[{"text":"Mhmm.","start":822.025,"end":822.525,"sentiment":"neutral","sentiment_score":0.06377290189266205}],"sentiment":"neutral","sentiment_score":0.06377290189266205,"channel":1,"num_words":1,"start":822.025,"end":822.525},{"sentences":[{"text":"we had a pre assessment, which we went back and had a really good look at how everything was going and how what was the chance would be offered for the insurances.","start":822.73,"end":830.83,"sentiment":"neutral","sentiment_score":0.04854385849830578},{"text":"There is kind of three steps to this recommendation to make sure it is working harder for 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or exclusions on that base level.","start":893.96,"end":899.385,"sentiment":"positive","sentiment_score":0.3955696702003479},{"text":"Essentially, in order to sort of give you the level of cover to meet your goal, we then also needed to increase the cover a little bit higher.","start":900.485,"end":908.105,"sentiment":"positive","sentiment_score":0.34107289143971037},{"text":"So we needed to then apply for an extra 900,000 of life and TBD to boost up your life and TBD to meet your goal.","start":908.5,"end":916.12006,"sentiment":"positive","sentiment_score":0.3518134617805481},{"text":"So it does mean that we are gonna also apply for retail cover with Zurich, but we do expect on the application for that that there will be a mental health exclusion on that higher level.","start":916.26,"end":927.57495,"sentiment":"neutral","sentiment_score":0.06726930828558074},{"text":"There will be an upper back and neck exclusion and possibly a 50% loading on life and a 100% loading on TV, and, of course, we're not gonna apply for IP.","start":927.71497,"end":937.35,"sentiment":"neutral","sentiment_score":0.025439357204783346}],"sentiment":"neutral","sentiment_score":0.2036239831811852,"channel":0,"num_words":135,"start":893.96,"end":937.35},{"sentences":[{"text":"So that will give you the higher level of cover.","start":938.85,"end":941.35,"sentiment":"neutral","sentiment_score":0.28992279171943663},{"text":"The transferred amount will not have any loadings or exclusions, so you'll be able to claim on that lower amount for anything additional.","start":941.73,"end":948.87,"sentiment":"positive","sentiment_score":0.3871599124825519},{"text":"And that essentially means that you'll have because that's the one that you've got 261,000 of life and TPD through Aware and a 165,000 of life and TPD with PWSAP.","start":949.385,"end":961.085,"sentiment":"positive","sentiment_score":0.4129192401965459},{"text":"So it essentially gives you about $400,000 for the cover there with no loadings or exclusions, and that's the best way to keep that as much as possible.","start":961.64996,"end":969.82996,"sentiment":"positive","sentiment_score":0.41219937136130674},{"text":"On the","start":970.20996,"end":970.61,"sentiment":"neutral","sentiment_score":0.15045203268527985}],"sentiment":"positive","sentiment_score":0.38746203842662996,"channel":0,"num_words":93,"start":938.85,"end":970.61},{"sentences":[{"text":"Yes.","start":970.465,"end":970.71,"sentiment":"neutral","sentiment_score":0.11243247985839844}],"sentiment":"neutral","sentiment_score":0.11243247985839844,"channel":1,"num_words":1,"start":970.465,"end":970.71},{"sentences":[{"text":"extra higher amount of 900,000 of life and TBD, we expect to have the mental health exclusion and the back end or neck exclusion on there.","start":970.61,"end":978.955,"sentiment":"neutral","sentiment_score":0.07508523045824124},{"text":"That just essentially means that you won't be able to claim on that higher amount of cover for anything preexisting.","start":979.09503,"end":984.715,"sentiment":"neutral","sentiment_score":0.12311832010746002},{"text":"The biggest thing to make mention is that if you were to, say, have a new injury and it did hit your back or your neck or something was to happen, you can still claim, essentially, the way Insurer looks at any new injuries that injure your back or neck when you have an exclusion, if they look at if a reasonable person in that same circumstance that didn't have exclusions or loadings on that policy, if they would have the same injury or illness as you, would they be able to claim?","start":985.41504,"end":1015.405,"sentiment":"neutral","sentiment_score":-0.10436609711858534},{"text":"Would that be a reasonable claim?","start":1015.465,"end":1017.16504,"sentiment":"neutral","sentiment_score":0.04152498890956243},{"text":"So it doesn't ever stop you from claiming for the back or neck or mental 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very","start":1031.02,"end":1037.84,"sentiment":"neutral","sentiment_score":0.052018959244543854}],"sentiment":"neutral","sentiment_score":0.055276427417993546,"channel":1,"num_words":23,"start":1030.78,"end":1037.84},{"sentences":[{"text":"Absolutely.","start":1037.515,"end":1038.015,"sentiment":"neutral","sentiment_score":-0.097407229244709}],"sentiment":"neutral","sentiment_score":-0.097407229244709,"channel":0,"num_words":1,"start":1037.515,"end":1038.015},{"sentences":[{"text":"high pressure, like, social, like, you know, like, I'm working child protection.","start":1038.54,"end":1044.16,"sentiment":"neutral","sentiment_score":-0.2698075845837593},{"text":"So, obviously,","start":1044.38,"end":1045.775,"sentiment":"neutral","sentiment_score":-0.1734125092625618}],"sentiment":"neutral","sentiment_score":-0.256036859537874,"channel":1,"num_words":14,"start":1038.54,"end":1045.775},{"sentences":[{"text":"Yes.","start":1045.595,"end":1046.095,"sentiment":"neutral","sentiment_score":-0.258196622133255}],"sentiment":"neutral","sentiment_score":-0.258196622133255,"channel":0,"num_words":1,"start":1045.595,"end":1046.095},{"sentences":[{"text":"mental health is a really big risk in that kind of 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stress","start":1050.9551,"end":1055.035,"sentiment":"neutral","sentiment_score":-0.2658201791346073}],"sentiment":"neutral","sentiment_score":-0.2658201791346073,"channel":1,"num_words":12,"start":1050.9551,"end":1055.035},{"sentences":[{"text":"Mhmm.","start":1054.63,"end":1055.13,"sentiment":"neutral","sentiment_score":-0.1770104020833969}],"sentiment":"neutral","sentiment_score":-0.1770104020833969,"channel":0,"num_words":1,"start":1054.63,"end":1055.13},{"sentences":[{"text":"or there was an incident, that's gonna affect me then, isn't it?","start":1055.035,"end":1058.415,"sentiment":"neutral","sentiment_score":-0.29979058851798374},{"text":"I won't be able to claim.","start":1058.635,"end":1059.935,"sentiment":"negative","sentiment_score":-0.4964115470647812}],"sentiment":"negative","sentiment_score":-0.3653309080335829,"channel":1,"num_words":18,"start":1055.035,"end":1059.935},{"sentences":[{"text":"Yes.","start":1059.925,"end":1060.425,"sentiment":"neutral","sentiment_score":-0.005564175546169281},{"text":"So it really depends.","start":1061.2051,"end":1062.3251,"sentiment":"neutral","sentiment_score":0.019165022298693657},{"text":"So on the the income protection policy that you do have with PWSAP, we're gonna transfer that as well.","start":1062.3251,"end":1068.485,"sentiment":"neutral","sentiment_score":0.13120077432770477},{"text":"That will have no exclusions or loading.","start":1068.485,"end":1070.5651,"sentiment":"neutral","sentiment_score":0.058741942580257146},{"text":"And if you were to go off work in the short term due to mental health, you'd be more likely to start claiming on income protection.","start":1070.5651,"end":1076.97,"sentiment":"neutral","sentiment_score":0.11237330935322322}],"sentiment":"neutral","sentiment_score":0.10345281170387018,"channel":0,"num_words":57,"start":1059.925,"end":1076.97},{"sentences":[{"text":"By doing this, you'll still be able to claim on that policy.","start":1077.43,"end":1081.05,"sentiment":"positive","sentiment_score":0.4075414364536603},{"text":"That won't be affected in any way, shape, or form.","start":1081.1901,"end":1083.61,"sentiment":"neutral","sentiment_score":0.21250661164522172},{"text":"With the TCV, the first $426,009.78, which is the amount that we're transferring from your two current funds in the hub 20 4, that won't have any exclusions or loading.","start":1084.39,"end":1096.345,"sentiment":"neutral","sentiment_score":0.19831429421901703},{"text":"So if you were TCD for mental health, you would still be able to claim on that level of cover.","start":1096.345,"end":1101.565,"sentiment":"neutral","sentiment_score":0.2564691428095102},{"text":"When it comes to the cover that we're applying for with Zurich, that's the additional 900,000 of TBD, they will then have that mental health exclusion.","start":1102.1901,"end":1111.97,"sentiment":"neutral","sentiment_score":-0.0852872203462399}],"sentiment":"neutral","sentiment_score":0.16200925824137366,"channel":0,"num_words":98,"start":1077.43,"end":1111.97},{"sentences":[{"text":"So that means that you won't be able to claim on the 900,000 of TBD with Zurich because that will be excluded for mental health.","start":1112.03,"end":1120.4249,"sentiment":"neutral","sentiment_score":-0.10347764827311039},{"text":"In saying that, an exclusion is normally applied for about three to five years.","start":1120.8049,"end":1125.625,"sentiment":"neutral","sentiment_score":-0.0854045958923442},{"text":"If you've had no mental health symptoms or treatment for three to five years, we can absolutely review that, and the exclusion can be removed on that higher amount of cover.","start":1125.9249,"end":1136.33,"sentiment":"neutral","sentiment_score":-0.09162361631470342},{"text":"Does that make sense?","start":1136.5499,"end":1137.5099,"sentiment":"neutral","sentiment_score":0.0358140142634511},{"text":"You're welcome to ask me more questions if you need.","start":1137.5099,"end":1139.9299,"sentiment":"neutral","sentiment_score":0.32689657658338545}],"sentiment":"neutral","sentiment_score":-0.03822280752605626,"channel":0,"num_words":84,"start":1112.03,"end":1139.9299},{"sentences":[{"text":"I don't know.","start":1142.17,"end":1142.65,"sentiment":"neutral","sentiment_score":-0.2013034224510193},{"text":"I just sit a little bit funny in that because I feel like if there was something that was going to put me off work for the rest of my life, if I remained in this field, it would have to be something probably related to mental health.","start":1142.65,"end":1156.375,"sentiment":"negative","sentiment_score":-0.46856585424393415}],"sentiment":"negative","sentiment_score":-0.4528445347267039,"channel":1,"num_words":51,"start":1142.17,"end":1156.375},{"sentences":[{"text":"Yeah.","start":1157.7,"end":1158.2,"sentiment":"neutral","sentiment_score":-0.16929888725280762}],"sentiment":"neutral","sentiment_score":-0.16929888725280762,"channel":0,"num_words":1,"start":1157.7,"end":1158.2},{"sentences":[{"text":"We'll have a have a form of mental health aspect to 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with that.","start":1166.435,"end":1167.495,"sentiment":"neutral","sentiment_score":0.15358487516641617}],"sentiment":"neutral","sentiment_score":0.15358487516641617,"channel":1,"num_words":3,"start":1166.435,"end":1167.495},{"sentences":[{"text":"That's okay.","start":1168.74,"end":1169.5599,"sentiment":"neutral","sentiment_score":0.2585672289133072},{"text":"So the other option is I mean, this is a recommendation to be able to help you to meet your goal, and it requires just transferring the first level of cover, which there's no exclusions or loadings on.","start":1169.765,"end":1179.4451,"sentiment":"neutral","sentiment_score":0.1314638514365805},{"text":"That is absolutely kept exactly as it is now.","start":1179.4451,"end":1182.3451,"sentiment":"neutral","sentiment_score":0.3216686546802521},{"text":"This just the retail cover that we need to apply for to reach your goal.","start":1183.71,"end":1188.6901,"sentiment":"neutral","sentiment_score":0.16702975283066432},{"text":"You do, however, have the option of not applying for the retail cover.","start":1188.83,"end":1192.67,"sentiment":"neutral","sentiment_score":0.045217448415664524}],"sentiment":"neutral","sentiment_score":0.14936430943379927,"channel":0,"num_words":77,"start":1168.74,"end":1192.67},{"sentences":[{"text":"You don't have to take the part of the recommendation for Zurich, and it just means that we transfer your current cover into Hub twenty four.","start":1192.67,"end":1200.615,"sentiment":"neutral","sentiment_score":0.14308733034592408},{"text":"We consolidate everything, and it means that life and TDD, in the event of a claim, you have a level of cover of $4.26 $9.07 8, the 426,978.","start":1200.615,"end":1213.01,"sentiment":"neutral","sentiment_score":0.19129441997834615},{"text":"On that level of cover, there's no explosions or loading.","start":1213.23,"end":1216.27,"sentiment":"neutral","sentiment_score":0.17354058846831322},{"text":"So you will still be able to claim for mental health in the event of something occurring.","start":1216.27,"end":1220.43,"sentiment":"neutral","sentiment_score":0.3093629198915818},{"text":"Does that make sense?","start":1220.43,"end":1221.49,"sentiment":"neutral","sentiment_score":0.17424558103084564}],"sentiment":"neutral","sentiment_score":0.19727143759236615,"channel":0,"num_words":85,"start":1192.67,"end":1221.49},{"sentences":[{"text":"Oh, yeah.","start":1221.875,"end":1222.355,"sentiment":"neutral","sentiment_score":0.11920465156435966},{"text":"It does.","start":1222.355,"end":1222.86,"sentiment":"neutral","sentiment_score":0.14136989414691925},{"text":"Is it must","start":1223.74,"end":1224.46,"sentiment":"neutral","sentiment_score":0.04890000820159912}],"sentiment":"neutral","sentiment_score":0.09540701657533646,"channel":1,"num_words":7,"start":1221.875,"end":1224.46},{"sentences":[{"text":"Yes.","start":1224.365,"end":1224.865,"sentiment":"neutral","sentiment_score":0.042319588363170624}],"sentiment":"neutral","sentiment_score":0.042319588363170624,"channel":0,"num_words":1,"start":1224.365,"end":1224.865},{"sentences":[{"text":"ex like, do I have to pay a fee to have that higher 900 on there?","start":1224.46,"end":1229.66,"sentiment":"neutral","sentiment_score":-0.05209695710800588},{"text":"Like, for an example, if I like I don't know.","start":1229.66,"end":1233.1799,"sentiment":"neutral","sentiment_score":-0.10734996534883975},{"text":"I got hit by a bus.","start":1233.1799,"end":1234.22,"sentiment":"neutral","sentiment_score":-0.3085220257441203},{"text":"Hopefully, that wouldn't happen.","start":1234.22,"end":1235.6,"sentiment":"neutral","sentiment_score":-0.3141729384660721}],"sentiment":"neutral","sentiment_score":-0.13930207987626395,"channel":1,"num_words":36,"start":1224.46,"end":1235.6},{"sentences":[{"text":"Yeah.","start":1235.98,"end":1236.48,"sentiment":"neutral","sentiment_score":-0.08482606709003448}],"sentiment":"neutral","sentiment_score":-0.08482606709003448,"channel":0,"num_words":1,"start":1235.98,"end":1236.48},{"sentences":[{"text":"That","start":1236.855,"end":1237.175,"sentiment":"neutral","sentiment_score":-0.07877153158187866}],"sentiment":"neutral","sentiment_score":-0.07877153158187866,"channel":1,"num_words":1,"start":1236.855,"end":1237.175},{"sentences":[{"text":"Yeah.","start":1237.02,"end":1237.52,"sentiment":"neutral","sentiment_score":-0.08688085526227951}],"sentiment":"neutral","sentiment_score":-0.08688085526227951,"channel":0,"num_words":1,"start":1237.02,"end":1237.52},{"sentences":[{"text":"is that what that would kind of fall into that other one, but would I have to pay extra on top to have that 900,000 cover?","start":1237.255,"end":1245.675,"sentiment":"neutral","sentiment_score":-0.14762101809565836}],"sentiment":"neutral","sentiment_score":-0.14762101809565836,"channel":1,"num_words":26,"start":1237.255,"end":1245.675},{"sentences":[{"text":"Yeah.","start":1246.9551,"end":1247.4551,"sentiment":"neutral","sentiment_score":0.002167755737900734},{"text":"So with transferring the current cover over, that all transfers over.","start":1247.5951,"end":1251.035,"sentiment":"neutral","sentiment_score":0.12045060910961845},{"text":"That is a cheaper cover to transfer.","start":1251.035,"end":1252.8151,"sentiment":"neutral","sentiment_score":0.2961270532437733},{"text":"We're applying for new insurances.","start":1253.435,"end":1255.375,"sentiment":"neutral","sentiment_score":0.1493000030517578},{"text":"We estimated the total cost to come out of super to be $3,006.","start":1255.8351,"end":1260.42,"sentiment":"neutral","sentiment_score":0.12394283941158882}],"sentiment":"neutral","sentiment_score":0.155615425844853,"channel":0,"num_words":37,"start":1246.9551,"end":1260.42},{"sentences":[{"text":"That's the total of all your insurances wholly.","start":1260.42,"end":1262.92,"sentiment":"neutral","sentiment_score":0.1311973426491022},{"text":"If you just wanted to look at doing the transfer terms and not applying for the Zurich, essentially, in the appendices, we have the difference in the cost, but it works out to be about $900 insurance cost, and you would only have that 400,000 level of cover there.","start":1263.4601,"end":1279.4049,"sentiment":"neutral","sentiment_score":0.1237451034617059},{"text":"So you don't have to take the retail cover option.","start":1279.4049,"end":1281.725,"sentiment":"neutral","sentiment_score":0.0992332398891449},{"text":"You don't have to increase your cover as much as you as we 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sure we do review those with you and have those removed or altered as we can.","start":1565.565,"end":1580.8401,"sentiment":"neutral","sentiment_score":0.0009238891303539276},{"text":"We also review the policies every year to make sure that they remain in line with what you need with what your goals are, and we can alter those policies as we need to.","start":1581.195,"end":1589.7749,"sentiment":"neutral","sentiment_score":0.20857757066979127},{"text":"The way we see insurances to begin with is when you're younger, we need a higher level of cover.","start":1589.9149,"end":1594.8949,"sentiment":"neutral","sentiment_score":-0.005551183204117574},{"text":"We have more debt.","start":1595.28,"end":1596.3201,"sentiment":"neutral","sentiment_score":-0.13891801983118057},{"text":"We obviously have, you know, family to look after a lot more in the way of expenses, and our super balance is a bit 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exclusion.","start":1615.795,"end":1629.86,"sentiment":"neutral","sentiment_score":-0.25157994420632074},{"text":"Does that make sense?","start":1629.92,"end":1630.98,"sentiment":"neutral","sentiment_score":-0.04246574640274048}],"sentiment":"neutral","sentiment_score":-0.22388505610696813,"channel":0,"num_words":94,"start":1602.0801,"end":1630.98},{"sentences":[{"text":"Yep.","start":1631.42,"end":1631.9,"sentiment":"neutral","sentiment_score":0.1773761510848999},{"text":"Definitely.","start":1631.9,"end":1632.4,"sentiment":"neutral","sentiment_score":0.31479352712631226},{"text":"Yes.","start":1632.9401,"end":1633.4401,"sentiment":"neutral","sentiment_score":0.2815690040588379}],"sentiment":"neutral","sentiment_score":0.25791289409001666,"channel":1,"num_words":3,"start":1631.42,"end":1633.4401},{"sentences":[{"text":"Yep.","start":1633.12,"end":1633.62,"sentiment":"positive","sentiment_score":0.35399049520492554},{"text":"All 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They also mention changes to Joanne's investment portfolio, including consolidating super funds and transferring coverage to ensure proper risk management. The agent explains the coverage process and sends a need analysis and fee comparison table. The customer is advised to read the coverage information and fill out the necessary forms."},"intents":{"segments":[{"text":"I just had to book in this morning just to go through the updated advice document with you this now for the time.","start_word":46,"end_word":68,"intents":[{"intent":"Book a call","confidence_score":0.0058987723}]},{"text":"Now on the front page, it does note that the per document has been prepared for yourself. We completed the document, and we dated the yesterday's date. All of that advice is valid for sixty days after the date on the document.","start_word":421,"end_word":462,"intents":[{"intent":"Share guidance on document preparation","confidence_score":0.00048629753}]},{"text":"We completed the document, and we dated the yesterday's date. All of that advice is valid for sixty days after the date on the document.","start_word":438,"end_word":462,"intents":[{"intent":"Confirm document completion","confidence_score":0.011869921}]},{"text":"So, essentially, with the advice system, make it nice and easy for you because I know you've probably got a lot going on. Essentially, Yep.","start_word":495,"end_word":519,"intents":[{"intent":"Discuss financial situation","confidence_score":0.004902894}]},{"text":"we are looking to keep you in that high growth portfolio. So you are still a high growth investor. The high growth environment does suit your time horizon, so you can't technically access it until the at the earliest, as displayed, is August.","start_word":520,"end_word":562,"intents":[{"intent":"Explain high growth portfolio","confidence_score":0.038430516}]},{"text":"I have just made some changes to your investment portfolio within half twenty four, so we have sort of had a look at things this year and noted that with the ups and downs we've seen this year.","start_word":645,"end_word":682,"intents":[{"intent":"Discuss investment portfolio changes","confidence_score":0.27629796}]},{"text":"I have just made some changes to your investment portfolio within half twenty four, so we have sort of had a look at things this year and noted that with the ups and downs we've seen this year. And I'm also the page number 20 there for you if you wanted to have a look at that. This is I'm over complicating it for you. Yeah. Just one second.","start_word":645,"end_word":713,"intents":[{"intent":"Confirm investment portfolio","confidence_score":0.0014116898}]},{"text":"The red is what we're gonna sell investment wise, and the green is what we're essentially going to buy.","start_word":1095,"end_word":1113,"intents":[{"intent":"Sell investment","confidence_score":0.40713}]},{"text":"So what we're gonna do is we're gonna start by, obviously, transferring your insurance cover over into hub twenty four so that you keep the level of cover you have within AWARE and PWSIP. But we're gonna transfer that insurance cover over into hub twenty four so you retain that level of cover. We're Mhmm.","start_word":1151,"end_word":1205,"intents":[{"intent":"Transfer insurance cover","confidence_score":0.8753665}]},{"text":"And once that's all consolidated together, we're then gonna make some investment changes.","start_word":1229,"end_word":1241,"intents":[{"intent":"Make investment changes","confidence_score":0.24758446}]},{"text":"So we don't want you to be in anything that's underperforming, so we are gonna remove you solely out of that investment.","start_word":1280,"end_word":1301,"intents":[{"intent":"Remove from investment","confidence_score":0.6639729}]},{"text":"With the bank hybrids, they are a great investment. Nothing wrong with them. They're defensive in nature. You just have a little bit less than what we would like to see with that investment, so we're gonna buy a little bit more of that. And we're gonna purchase about 5,000 of that and bring your exposure up to 7%.","start_word":1367,"end_word":1425,"intents":[{"intent":"Purchase more lithium battery tech","confidence_score":0.0011221779}]},{"text":"With the VanEck China new economy, again, keeping that investment, it hasn't done too badly. It is still a really good investment.","start_word":1426,"end_word":1447,"intents":[{"intent":"Keep investment","confidence_score":0.05129623}]},{"text":"It's more of a niche market to be in, and it helps to provide diversification for you and your portfolio. You're about 3% there at the moment. We wanna see about 7% invested, so we're just gonna rebalance you back and buy some more of that investment there. Okay? Yep.","start_word":1449,"end_word":1498,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.6371739}]},{"text":"But you're a little bit overexposed at the moment, so we are just gonna sell some of the physical gold, cement some of the gains that have been made, and reduce your exposure back to 7%.","start_word":1561,"end_word":1596,"intents":[{"intent":"Reduce exposure","confidence_score":0.16414721}]},{"text":"It does actually mean we are buying some of that, though. So you're you currently have 7.95% of your total balance, but when we kind of transfer the funds from the two other super funds and consolidate everything, when we kinda look at how much you'll have, we will need to purchase some more of that investment to rebalance you back to 7%. Okay?","start_word":1652,"end_word":1715,"intents":[{"intent":"Buy more","confidence_score":0.02124152},{"intent":"Purchase more investment","confidence_score":0.0107519105}]},{"text":"At the moment, you've got about 4.36% there. We wanna hold about 5% of your total portfolio.","start_word":1825,"end_word":1841,"intents":[{"intent":"Sell portfolio","confidence_score":0.0738721}]},{"text":"At the moment, you've got about 4.36% there. We wanna hold about 5% of your total portfolio. Once we do consolidate, it does mean buying a little bit more of that investment, but you'll essentially see about $1,010,000 in there. There's a 10,000 in the investment, and it will be about 5% of your total portfolio.","start_word":1825,"end_word":1880,"intents":[{"intent":"Track and sell portfolio","confidence_score":0.04498449}]},{"text":"We need to replace your Australian exposure in your portfolio.","start_word":1901,"end_word":1910,"intents":[{"intent":"Replace australian exposure","confidence_score":0.4610449}]},{"text":"This essentially gives you greater diversification in your portfolio, and this investment is actually cheaper than the Bennelong investment. So one of the Yep.","start_word":1928,"end_word":1951,"intents":[{"intent":"Provide diversification","confidence_score":0.07360033}]},{"text":"So you actually save on fees for having this investment in there, which is really good. Okay?","start_word":2095,"end_word":2111,"intents":[{"intent":"Save fees","confidence_score":0.13043244}]},{"text":"So, essentially, that's what we wanna do to change your investment portfolio. This year, the ups and downs the market has been. We've wanted to really go back and have a look at how your funds are invested and make sure that you're seeing the right exposure, but that we don't wanna keep any underperforming investments in your portfolio. Okay? Yep.","start_word":2206,"end_word":2266,"intents":[{"intent":"Improve portfolio and insurance coverage","confidence_score":4.025411e-7}]},{"text":"Would that be a reasonable claim?","start_word":3002,"end_word":3007,"intents":[{"intent":"Claim medical insurance policy","confidence_score":0.0012685112}]},{"text":"So on the the income protection policy that you do have with PWSAP, we're gonna transfer that as well. That will have no exclusions or loading. And if you were to go off work in the short term due to mental health, you'd be more likely to start claiming on income protection. By doing this, you'll still be able to claim on that policy. That won't be affected in any way, shape, or form.","start_word":3131,"end_word":3204,"intents":[{"intent":"Explain policy impact","confidence_score":0.0011837683}]},{"text":"With the TCV, the first $426,009.78, which is the amount that we're transferring from your two current funds in the hub 20 4, that won't have any exclusions or loading.","start_word":3205,"end_word":3234,"intents":[{"intent":"Transfer funds","confidence_score":0.19496061}]},{"text":"When it comes to the cover that we're applying for with Zurich, that's the additional 900,000 of TBD, they will then have that mental health exclusion.","start_word":3256,"end_word":3281,"intents":[{"intent":"Apply for coverage","confidence_score":0.056277454}]},{"text":"In saying that, an exclusion is normally applied for about three to five years. If you've had no mental health symptoms or treatment for three to five years, we can absolutely review that, and the exclusion can be removed on that higher amount of cover. Does that make sense?","start_word":3306,"end_word":3354,"intents":[{"intent":"Review exclusions","confidence_score":0.36976668},{"intent":"Discuss mental health benefits","confidence_score":0.009976731}]},{"text":"We consolidate everything, and it means that life and TDD, in the event of a claim, you have a level of cover of $4.26 $9.07 8, the 426,978. On that level of cover, there's no explosions or loading. So you will still be able to claim for mental health in the event of something occurring. Does that make sense?","start_word":3552,"end_word":3610,"intents":[{"intent":"Consolidate coverage","confidence_score":0.06414162}]},{"text":"ex like, do I have to pay a fee to have that higher 900 on there?","start_word":3619,"end_word":3634,"intents":[{"intent":"Pay fee","confidence_score":0.14240323}]},{"text":"is that what that would kind of fall into that other one, but would I have to pay extra on top to have that 900,000 cover? Yeah.","start_word":3658,"end_word":3684,"intents":[{"intent":"Determine costs","confidence_score":0.004711482},{"intent":"Determine coverage requirements","confidence_score":0.06366275}]},{"text":"So with transferring the current cover over, that all transfers over. That is a cheaper cover to transfer.","start_word":3685,"end_word":3702,"intents":[{"intent":"Transfer coverage","confidence_score":0.008154486}]},{"text":"Income protection, you've got about your current cover has about 500 sorry. 5,049 as a monthly benefit, and that it is just a little bit under essentially, the 70% that you would need.","start_word":3910,"end_word":3942,"intents":[{"intent":"Determine income protection requirements","confidence_score":0.0016894519}]},{"text":"Normally, the first thing we claim on is income protection because we're Yep. off work. We make that waiting period, so we're off work for ninety days. We then need to make that claim to sort of get us an income replacement, so we claim on income protection.","start_word":4042,"end_word":4089,"intents":[{"intent":"Creating income protection","confidence_score":0.000022992668}]},{"text":"ill at the end of the last cover is the last thing to be applied for. So it's just Yes.","start_word":4121,"end_word":4140,"intents":[{"intent":"Applying for cbd","confidence_score":0.5701594}]},{"text":"I'll go with what you're recommending. I Yeah.","start_word":4287,"end_word":4294,"intents":[{"intent":"Recommending transferring cover","confidence_score":0.0057909377},{"intent":"Recommending a different approach","confidence_score":0.000008616606},{"intent":"Discussing next steps","confidence_score":0.0006351861}]},{"text":"It's a little bit because there are three steps to this, it's kind of transferring the cover you have with your two current providers in the hub 24 and then applying for more cover on top of that.","start_word":4397,"end_word":4434,"intents":[{"intent":"Apply for coverage","confidence_score":0.02614465}]},{"text":"So it does mean that our exclusion's been loading to the first part of the policy, but we will look at when they can be reviewed, and we'll make sure we do review those with you and have those removed or altered as we can. We also review the policies every year to make sure that they remain in line with what you need with what your goals are, and we can alter those policies as we need to.","start_word":4629,"end_word":4707,"intents":[{"intent":"Review policies","confidence_score":0.7482405}]},{"text":"We obviously have, you know, family to look after a lot more in the way of expenses, and our super balance is a bit lower.","start_word":4731,"end_word":4755,"intents":[{"intent":"Maintain family's financial well-being","confidence_score":0.000099394456}]},{"text":"Essentially, if you then are able to scroll up to page 23 for me, the fee comparison table, This essentially shows you the outlook of all those recommendations to make it easier on you.","start_word":5001,"end_word":5034,"intents":[{"intent":"Provide policy recommendations","confidence_score":0.006122016}]},{"text":"So by making the changes, consolidating the super funds, applying to that newer level of cover through Zurich, and transferring your current insurance to HUB24, we can actually see you would end up with a starting balance of 212,848.","start_word":5128,"end_word":5166,"intents":[{"intent":"Provide funds","confidence_score":0.00051428005},{"intent":"Apply to new level","confidence_score":0.05678795}]},{"text":"And that's our ongoing service, so you can look after your super updating and reflecting your advice and working hard towards your goals.","start_word":5227,"end_word":5249,"intents":[{"intent":"Update information","confidence_score":0.0008912158}]},{"text":"When you I've look got at two how I've got the shape two yes. sorry. I've got two employers Yes. now. So will you tell them to change Yeah. it all, like, all their contributions into to change. Absolutely.","start_word":5329,"end_word":5367,"intents":[{"intent":"Consider changes","confidence_score":0.00077615684}]},{"text":"We'll Shoes. provide Yep. you with the contributions form, and you just send that to them, and then we'll make sure that they get transferred over. If you wanted to provide us with their emails, we can absolutely email them the information as well. So we'll definitely make sure that happens for you.","start_word":5368,"end_word":5420,"intents":[{"intent":"Provide information","confidence_score":0.0015266667}]},{"text":"With the changes to the investments that we kinda went through above as well, it's important to note that there are so like yourself, your super fund every year does a tax return for you. So in order to make the investment switches, we estimate the CDT to be about $98, very small amount of CDT to be able to change the investment portfolio.","start_word":5428,"end_word":5491,"intents":[{"intent":"Inform about cost","confidence_score":0.0000029987261}]},{"text":"and the the essentially, the newer portfolio and how it has returned, it's averaged 12.02% over the last five years as well.","start_word":5504,"end_word":5525,"intents":[{"intent":"Assess portfolio status","confidence_score":0.00052032556}]}]},"sentiments":{"segments":[{"text":"Record your name and reason for calling. I'll see if this person is available. Dana, Oceany Financial.","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.021624132990837097},{"text":"Thanks, Dana.","start_word":17,"end_word":18,"sentiment":"positive","sentiment_score":0.4361843168735504},{"text":"Please stay on the line.","start_word":19,"end_word":23,"sentiment":"neutral","sentiment_score":0.23797747492790225},{"text":"Good morning.","start_word":24,"end_word":25,"sentiment":"positive","sentiment_score":0.34251588582992554},{"text":"Hi, Joanne. It's Dana from OT. How are you today?","start_word":26,"end_word":35,"sentiment":"neutral","sentiment_score":0.23744076490402224},{"text":"I'm good.","start_word":36,"end_word":37,"sentiment":"positive","sentiment_score":0.4508794844150543},{"text":"How are you?","start_word":38,"end_word":40,"sentiment":"neutral","sentiment_score":0.3312193751335144},{"text":"I'm very well. Thank you.","start_word":41,"end_word":45,"sentiment":"positive","sentiment_score":0.5923683047294617},{"text":"I just had to book in this morning just to go through the updated advice document with you this now for the time. Yeah. Yep. Sounds good. Yep.","start_word":46,"end_word":73,"sentiment":"neutral","sentiment_score":0.21218930184841156},{"text":"Fantastic.","start_word":74,"end_word":74,"sentiment":"positive","sentiment_score":0.3783285617828369},{"text":"No. I can see that you haven't seen the email. I did send the document through to you there. Are you able to open that at all, or have you had a bit a bit of a look through it already? I've looked through it and signed it for you.","start_word":75,"end_word":124,"sentiment":"neutral","sentiment_score":0.05464276671409607},{"text":"Oh, fantastic.","start_word":125,"end_word":126,"sentiment":"positive","sentiment_score":0.3352518677711487},{"text":"Did you happen to read through most of the recommendations at all just to kinda get a feel for what we're updating for you? I'm just still sitting in the high risk. Is that right? And I'll just get it up because Yeah. That's okay. my If income you wanna pull you're right. my Sorry. in my income has changed, so Okay. That's you alright. can update. If you just pull yeah. That's cool. If you pull that one up, we can go through those sections together, and I can go through and make any updates that we do need, which is absolutely fine. Before we jump into the call there, Charlene, I just have to let you know we do record our calls for quality and training purposes. Are you happy for any difference with that? Yep. Fantastic. And just to build really quick security check there with you as well, I just need to confirm your full name, your date of birth, and address for me as well. Yep. It's Joanne Louise Adams Abbott. Fifth of the second Yes. eighty seven and sixty three Sherwood Road, Audeville, two double four zero.","start_word":127,"end_word":319,"sentiment":"neutral","sentiment_score":0.07230103015899658},{"text":"Fantastic. Fantastic. Thank you so much.","start_word":320,"end_word":325,"sentiment":"positive","sentiment_score":0.5617560148239136},{"text":"How's your morning been so far?","start_word":326,"end_word":331,"sentiment":"neutral","sentiment_score":0.2099391520023346},{"text":"It's been good.","start_word":332,"end_word":334,"sentiment":"positive","sentiment_score":0.4298083782196045},{"text":"We we did sleep in, so we're running just all started getting up. That's okay. Have you at least had your coffee for the morning? Yes. Oh, good. The last thing I wanted to go through this with you if you haven't had coffee. I definitely I've Absolutely. already had two. Sorry. Yes.","start_word":335,"end_word":387,"sentiment":"neutral","sentiment_score":0.11169895578948956},{"text":"All good.","start_word":388,"end_word":389,"sentiment":"positive","sentiment_score":0.34454676508903503},{"text":"If you can let me know once you've got that one up in Yep. front I of you. bought They're it off. so sorry.","start_word":390,"end_word":413,"sentiment":"neutral","sentiment_score":0.07530758529901505},{"text":"That's what Fantastic. I offered. All good.","start_word":414,"end_word":420,"sentiment":"positive","sentiment_score":0.4946903586387634},{"text":"Now on the front page, it does note that the per document has been prepared for yourself. We completed the document, and we dated the yesterday's date. All of that advice is valid for sixty days after the date on the document. On the bottom there, it does have my licensing information there for you. So I'm prepared by myself and my team here at Oakley Financial, and my license number is 1304394. Yes. So, essentially, with the advice system, make it nice and easy for you because I know you've probably got a lot going on. Essentially, Yep. we are looking to keep you in that high growth portfolio. So you are still a high growth investor. The high growth environment does suit your time horizon, so you can't technically access it until the at the earliest, as displayed, is August. So being in that high growth environment gives you access to being able to essentially obtain greater potential returns and compound you know, get greater compounding towards your retirement, but it also means that, you know, we do see some sort of downturns there. We just wanna make sure that you're not able to access that money within the next eight years to be remaining in that environment. And this puts your time horizon, your risk capacity, and your tolerance extremely well. I have just made some changes to your investment portfolio within half twenty four, so we have sort of had a look at things this year and noted that with the ups and downs we've seen this year. And I'm also the page number 20 there for you if you wanted to have a look at that. This is I'm over complicating it for you. Yeah. Just one second. But I'm just gonna get out of this because I'm just gonna go into alright. the actual because I only was in the signed one. Alright. So page 20. Mhmm. One sec. That's okay.","start_word":421,"end_word":747,"sentiment":"neutral","sentiment_score":0.0550997257232666},{"text":"You're fine.","start_word":748,"end_word":749,"sentiment":"positive","sentiment_score":0.46275368332862854},{"text":"Alright. It comes in heaps of different ones on what I saved. So which one are we in? Done. So the heading on this one is the investment recommended investments for superannuation, and you should see a table with all the investment names below. My page is number 20, but yours could be 21 or 22. I know sometimes when we send it electronically, it comes it adds a few different pages on there or changes the page numbers around. Okay. I'm just gonna get oh my god. This is That's okay. Did you want me to re email it to you, the version I have here, just to make Yeah. it easier?","start_word":750,"end_word":862,"sentiment":"neutral","sentiment_score":0.09311432391405106},{"text":"That's that would be good.","start_word":863,"end_word":867,"sentiment":"positive","sentiment_score":0.5788118839263916},{"text":"So it's Yes.","start_word":868,"end_word":870,"sentiment":"neutral","sentiment_score":0.3153865337371826},{"text":"all in one. Absolutely.","start_word":871,"end_word":874,"sentiment":"positive","sentiment_score":0.3786681592464447},{"text":"I'll just send a separate email real quick to you here. There we go. Just quickly attach it for you. Sorry. Wait for two seconds. Didn't want to send you a blank email. There we go. Okay. I've just sent that one through to you as a separate email with the attachment. So when that pops through, if you open that up, and that's essentially the unsigned version that I'm looking at. It might be easier for the pay number there for you. Okay. Yep. One second.","start_word":875,"end_word":961,"sentiment":"neutral","sentiment_score":0.10238881409168243},{"text":"All good.","start_word":962,"end_word":963,"sentiment":"positive","sentiment_score":0.3583756685256958},{"text":"No worries. If my voice goes a little bit high or low or starts to dissipate a little bit, I do apologize.","start_word":964,"end_word":985,"sentiment":"neutral","sentiment_score":-0.19229239225387573},{"text":"I'm coming off the back end of the cold.","start_word":986,"end_word":994,"sentiment":"negative","sentiment_score":-0.35847240686416626},{"text":"So Oh, I'm trying that's to keep my okay. voice trying to keep my voice as clear as possible for you.","start_word":995,"end_word":1015,"sentiment":"neutral","sentiment_score":-0.002860605949535966},{"text":"That's all Gotta love this good.","start_word":1016,"end_word":1021,"sentiment":"positive","sentiment_score":0.5090617537498474},{"text":"time of year. Yeah. So you're on page 20 one sec. Page 20. Yeah. Okay. Yep. Okay.","start_word":1022,"end_word":1038,"sentiment":"neutral","sentiment_score":0.06506136804819107},{"text":"Perfect.","start_word":1039,"end_word":1039,"sentiment":"positive","sentiment_score":0.3635934889316559},{"text":"Yep. I did say this. So I didn't with understand the hub it. oh, that's okay. It is quite a lot going on. To make it a bit easier, sort of where you really wanna focus your attention is the red and green is the buy sell column. That's essentially what we're gonna transfer. The red is what we're gonna sell investment wise, and the green is what we're essentially going to buy. So with the target balance there, that's essentially what you're going to have in the investments once they've completed the switches. So the first two the first two have come out green, but they should have been red. So what we're gonna do is we're gonna start by, obviously, transferring your insurance cover over into hub twenty four so that you keep the level of cover you have within AWARE and PWSIP. But we're gonna transfer that insurance cover over into hub twenty four so you retain that level of cover. We're Mhmm. then gonna transfer and consolidate your super funds. So the money from the Aware and the PWSAP move it into Hub twenty four. And once that's all consolidated together, we're then gonna make some investment changes. So within Hub twenty four, the Bannalong Australian Equities investment has been underperforming a little bit.","start_word":1040,"end_word":1257,"sentiment":"neutral","sentiment_score":0.04887489721589132},{"text":"They've had a few troubles this year with their underlying investment, and the investment manager hasn't been able to do very well.","start_word":1258,"end_word":1279,"sentiment":"negative","sentiment_score":-0.3336988687515259},{"text":"So we don't want you to be in anything that's underperforming, so we are gonna remove you solely out of that investment. And then you've also got the ACDCC global lithium and battery tech that has been doing very, very well. But you're a little bit overexposed in that area at the moment, so we're just gonna sell off a bit over a thousand dollars there for you and bring your exposure back to 7%. So you'll have about 14,713 invested in that investment there. Yep. Okay?","start_word":1280,"end_word":1366,"sentiment":"neutral","sentiment_score":-0.1134091541171074},{"text":"With the bank hybrids, they are a great investment. Nothing wrong with them.","start_word":1367,"end_word":1379,"sentiment":"positive","sentiment_score":0.4762509763240814},{"text":"They're defensive in nature. You just have a little bit less than what we would like to see with that investment, so we're gonna buy a little bit more of that. And we're gonna purchase about 5,000 of that and bring your exposure up to 7%. With the VanEck China new economy, again, keeping that investment, it hasn't done too badly.","start_word":1380,"end_word":1440,"sentiment":"neutral","sentiment_score":0.1319698691368103},{"text":"It is still a really good investment. It's more of a niche market to be in, and it helps to provide diversification for you and your portfolio.","start_word":1441,"end_word":1467,"sentiment":"positive","sentiment_score":0.4187521691675539},{"text":"You're about 3% there at the moment. We wanna see about 7% invested, so we're just gonna rebalance you back and buy some more of that investment there. Okay? Yep. Physical gold, at the moment, you've got about 9% invested.","start_word":1468,"end_word":1507,"sentiment":"neutral","sentiment_score":0.170504629611969},{"text":"Really good to have. Physical gold has done some really great growth over the last twelve months. Everyone's really seen good changes in that.","start_word":1508,"end_word":1531,"sentiment":"positive","sentiment_score":0.5389270782470703},{"text":"In this last few months, the last from February now, we have been a bit more ups and downs with physical gold and what's been going on globally there. But you're a little bit overexposed at the moment, so we are just gonna sell some of the physical gold, cement some of the gains that have been made, and reduce your exposure back to 7%. Yep. You've also got some beta shares. Cyber security. Cyber security has been some ups and downs this year, has been affected very much by what's happening between Iran and The US. You've got about 7.95% at the moment, so those are over exposed. So we're going to essentially bring you back to about 7%. It does actually mean we are buying some of that, though. So you're you currently have 7.95% of your total balance, but when we kind of transfer the funds from the two other super funds and consolidate everything, when we kinda look at how much you'll have, we will need to purchase some more of that investment to rebalance you back to 7%. Okay? Yep. With the S and P 500 there, that is still a really good investment, giving you access and expenses to 500 companies on The US exchange. You actually have about 34.09 of your current portfolio invested in that. We wanna keep up about 30% invested in that. So once we consolidate, it does mean we will have purchase about $5,000 of that investment, and that'll bring you up to 30% of the total once we consolidate. Okay? Yep. So VanEck Australian property, this is giving you exposure to residential and also commercial property.","start_word":1532,"end_word":1809,"sentiment":"neutral","sentiment_score":0.07759268581867218},{"text":"Again, it's really good for the diversification.","start_word":1810,"end_word":1816,"sentiment":"positive","sentiment_score":0.5342740416526794},{"text":"Has not done too badly at all. At the moment, you've got about 4.36% there. We wanna hold about 5% of your total portfolio. Once we do consolidate, it does mean buying a little bit more of that investment, but you'll essentially see about $1,010,000 in there. There's a 10,000 in the investment, and it will be about 5% of your total portfolio. Because we are selling off the Benelon Australian equities at the moment, that will happen shortly because it has been underperforming. We need to replace your Australian exposure in your portfolio. So we're actually gonna buy into the beta shares a 200, which is the very bottom one.","start_word":1817,"end_word":1927,"sentiment":"neutral","sentiment_score":0.051884594969115815},{"text":"This essentially gives you greater diversification in your portfolio, and this investment is actually cheaper than the Bennelong investment.","start_word":1928,"end_word":1946,"sentiment":"positive","sentiment_score":0.34221580624580383},{"text":"So one of the Yep. things I did sort of have a look at was Bennelong is more of an actively managed investment option. The investment manager is meant to be buying and selling investments in a way that benefits the market, that gets you greater levels of pretend they're trying to outperform against the greater market as a whole, and they haven't been able to do that. Venmo normally holds anywhere between 15 to 25 different investment options. So by selling that off, we're putting you into a more of a passive invested fund for the beta shares a 200. This one tracks the top 200 companies on the ASX.","start_word":1947,"end_word":2057,"sentiment":"neutral","sentiment_score":0.20986706018447876},{"text":"It's actually giving you instead of 15 to 25 different investments from the Australian market, it's actually giving you greater diversification because you'll be tracking the top 200 companies, and it's more of a passively managed fund. So you actually save on fees for having this investment in there, which is really good.","start_word":2058,"end_word":2110,"sentiment":"positive","sentiment_score":0.4896252453327179},{"text":"Okay? Yes. And then we've also got the Raffy a 200 in there as well. This is, again, giving you exposure to 200 companies. We're not overexposing. We're just diversifying.","start_word":2111,"end_word":2140,"sentiment":"neutral","sentiment_score":0.26719075441360474},{"text":"The Raffy does look at small to mid cap stock from the ASF, so we're giving you great diversification there whilst making sure that you do have some Australian exposure on the on the stock market as well.","start_word":2141,"end_word":2178,"sentiment":"positive","sentiment_score":0.43015968799591064},{"text":"Does that make Yep. sense? And do you have many questions around that? I try to keep it fairly simple. Yeah. No. That's fine.","start_word":2179,"end_word":2202,"sentiment":"neutral","sentiment_score":0.1407219171524048},{"text":"Yep. Perfect. Perfect.","start_word":2203,"end_word":2205,"sentiment":"positive","sentiment_score":0.5566465854644775},{"text":"So, essentially, that's what we wanna do to change your investment portfolio. This year, the ups and downs the market has been. We've wanted to really go back and have a look at how your funds are invested and make sure that you're seeing the right exposure, but that we don't wanna keep any underperforming investments in your portfolio. Okay? Yep. As I kinda mentioned before, we are looking to transfer your cover. So with the insurance side of things, you originally had the goal that you wanted to make sure that in the event that something was to happen, that you could, you know, pay off any debts that you have.","start_word":2206,"end_word":2317,"sentiment":"neutral","sentiment_score":0.13175201416015625},{"text":"Make sure you're looking after your family.","start_word":2318,"end_word":2324,"sentiment":"positive","sentiment_score":0.38919270038604736},{"text":"With life and community and income protection, it was really important that you wanted to make sure your kids were looked after in the event that something happened. Cover the debts. At the time, you had about 27,000 in debts to repay, so we were looking to replace that. But then also replace your income until your youngest child turns 18, and that was all part of making sure you were looking after your kids. And it's making sure that you had income protection up to the maximum level in the event that something happened. So Mhmm. we had a pre assessment, which we went back and had a really good look at how everything was going and how what was the chance would be offered for the insurances. There is kind of three steps to this recommendation to make sure it is working harder for you. The first step is to transfer your current cover. So you do have some group cover within your PWSAP account, and you're aware, Susan, the group cover is a much cheaper option to keep. But because there was on your pre assessment some health conditions that we sort of needed to note about you were taking Ozempic, you had some mental health in the back in the yeah. Previously, and also your upper back and neck, you have seen some pain Mhmm. in those areas. When we preassessed those with the insurers, it did mean that they would exclude any preexisting conditions. So by transferring the insurances you have within Aware and PSAP over to HUB twenty four, that means you keep those insurances exactly as they are. There's no exclusions or loadings I'm sorry. No exclusions or loadings on those policies, and that gives you a level of cover that has no exclusions or loading.","start_word":2325,"end_word":2627,"sentiment":"neutral","sentiment_score":0.08078809881662771},{"text":"So it's Yep. giving you Perfect. a base level of cover, and there's no loading or exclusions on that base level.","start_word":2628,"end_word":2648,"sentiment":"positive","sentiment_score":0.42534464597702026},{"text":"Essentially, in order to sort of give you the level of cover to meet your goal, we then also needed to increase the cover a little bit higher.","start_word":2649,"end_word":2676,"sentiment":"neutral","sentiment_score":0.33093157410621643},{"text":"So we needed to then apply for an extra 900,000 of life and TBD to boost up your life and TBD to meet your goal.","start_word":2677,"end_word":2701,"sentiment":"positive","sentiment_score":0.33852705359458923},{"text":"So it does mean that we are gonna also apply for retail cover with Zurich, but we do expect on the application for that that there will be a mental health exclusion on that higher level. There will be an upper back and neck exclusion and possibly a 50% loading on life and a 100% loading on TV, and, of course, we're not gonna apply for IP. So that will give you the higher level of cover.","start_word":2702,"end_word":2778,"sentiment":"neutral","sentiment_score":0.0760536715388298},{"text":"The transferred amount will not have any loadings or exclusions, so you'll be able to claim on that lower amount for anything additional. And that essentially means that you'll have because that's the one that you've got 261,000 of life and TPD through Aware and a 165,000 of life and TPD with PWSAP. So it essentially gives you about $400,000 for the cover there with no loadings or exclusions, and that's the best way to keep that as much as possible.","start_word":2779,"end_word":2859,"sentiment":"positive","sentiment_score":0.3962954580783844},{"text":"On the Yes. extra higher amount of 900,000 of life and TBD, we expect to have the mental health exclusion and the back end or neck exclusion on there. That just essentially means that you won't be able to claim on that higher amount of cover for anything preexisting. The biggest thing to make mention is that if you were to, say, have a new injury and it did hit your back or your neck or something was to happen, you can still claim, essentially, the way Insurer looks at any new injuries that injure your back or neck when you have an exclusion, if they look at if a reasonable person in that same circumstance that didn't have exclusions or loadings on that policy, if they would have the same injury or illness as you, would they be able to claim? Would that be a reasonable claim? So it doesn't ever stop you from claiming for the back or neck or mental health. It's just in relation to any previous injuries, damages, or anything that's been preexisting. Does that make sense? Yep. So how would that work in my well, I just have questions for that one because I do work in a very Absolutely. high pressure, like, social, like, you know, like, I'm working child protection. So, obviously, Yes.","start_word":2860,"end_word":3080,"sentiment":"neutral","sentiment_score":-0.029896023586324975},{"text":"mental health is a really big risk in that kind of field.","start_word":3081,"end_word":3092,"sentiment":"negative","sentiment_score":-0.5714125633239746},{"text":"Uh-huh. Yep. If I was to go off on some leave due to stress Mhmm. or there was an incident, that's gonna affect me then, isn't it?","start_word":3093,"end_word":3119,"sentiment":"neutral","sentiment_score":-0.24054360389709473},{"text":"I won't be able to claim.","start_word":3120,"end_word":3125,"sentiment":"negative","sentiment_score":-0.4870874583721161},{"text":"Yes. So it really depends. So on the the income protection policy that you do have with PWSAP, we're gonna transfer that as well. That will have no exclusions or loading. And if you were to go off work in the short term due to mental health, you'd be more likely to start claiming on income protection.","start_word":3126,"end_word":3182,"sentiment":"neutral","sentiment_score":0.10712453722953796},{"text":"By doing this, you'll still be able to claim on that policy.","start_word":3183,"end_word":3194,"sentiment":"positive","sentiment_score":0.4026162326335907},{"text":"That won't be affected in any way, shape, or form. With the TCV, the first $426,009.78, which is the amount that we're transferring from your two current funds in the hub 20 4, that won't have any exclusions or loading. So if you were TCD for mental health, you would still be able to claim on that level of cover. When it comes to the cover that we're applying for with Zurich, that's the additional 900,000 of TBD, they will then have that mental health exclusion. So that means that you won't be able to claim on the 900,000 of TBD with Zurich because that will be excluded for mental health. In saying that, an exclusion is normally applied for about three to five years. If you've had no mental health symptoms or treatment for three to five years, we can absolutely review that, and the exclusion can be removed on that higher amount of cover. Does that make sense? You're welcome to ask me more questions if you need. I don't know.","start_word":3195,"end_word":3367,"sentiment":"neutral","sentiment_score":0.03909372307920043},{"text":"I just sit a little bit funny in that because I feel like if there was something that was going to put me off work for the rest of my life, if I remained in this field, it would have to be something probably related to mental health.","start_word":3368,"end_word":3415,"sentiment":"negative","sentiment_score":-0.4655898213386536},{"text":"Yeah. We'll have a have a form of mental health aspect to that Mhmm. because of my job. So Yep. I don't know. I just seem Yeah. a bit Absolutely. friendly with that. That's okay. So the other option is I mean, this is a recommendation to be able to help you to meet your goal, and it requires just transferring the first level of cover, which there's no exclusions or loadings on. That is absolutely kept exactly as it is now. This just the retail cover that we need to apply for to reach your goal. You do, however, have the option of not applying for the retail cover. You don't have to take the part of the recommendation for Zurich, and it just means that we transfer your current cover into Hub twenty four. We consolidate everything, and it means that life and TDD, in the event of a claim, you have a level of cover of $4.26 $9.07 8, the 426,978. On that level of cover, there's no explosions or loading. So you will still be able to claim for mental health in the event of something occurring. Does that make sense? Oh, yeah. It does. Is it must Yes. ex like, do I have to pay a fee to have that higher 900 on there? Like, for an example, if I like I don't know. I got hit by a bus. Hopefully, that wouldn't happen. Yeah. That Yeah. is that what that would kind of fall into that other one, but would I have to pay extra on top to have that 900,000 cover? Yeah. So with transferring the current cover over, that all transfers over. That is a cheaper cover to transfer. We're applying for new insurances. We estimated the total cost to come out of super to be $3,006. That's the total of all your insurances wholly. If you just wanted to look at doing the transfer terms and not applying for the Zurich, essentially, in the appendices, we have the difference in the cost, but it works out to be about $900 insurance cost, and you would only have that 400,000 level of cover there. So you don't have to take the retail cover option. You don't have to increase your cover as much as you as we recommended. We're just essentially showing you in order to meet your goal, this is what we need to do.","start_word":3416,"end_word":3819,"sentiment":"neutral","sentiment_score":0.08382279614890271},{"text":"These are the disadvantages of doing that.","start_word":3820,"end_word":3826,"sentiment":"negative","sentiment_score":-0.4365293085575104},{"text":"This is the kind of expectation we have based on what we know, and this is Yep. the cost of doing that at the same time. Yes. But at the same time, you don't have to. If you don't don't don't really want to have the Zurich retail cover, that's absolutely fine. You don't have to. As long as you're happy with just having that 400,000 of life in TVE, as I mentioned, we we did look at trying to get income protection. Income protection, you've got about your current cover has about 500 sorry. 5,049 as a monthly benefit, and that it is just a little bit under essentially, the 70% that you would need.","start_word":3827,"end_word":3942,"sentiment":"neutral","sentiment_score":0.04193544760346413},{"text":"But if we tried to apply for more income protection, the cost would be a lot higher, and there would also be those loadings and exclusions there. So we're not recommending any additional income protection to be purchased.","start_word":3943,"end_word":3980,"sentiment":"negative","sentiment_score":-0.3700262308120727},{"text":"We're just gonna transfer your current income protection policy over. It will still have the nine day waiting period to either end up screwed for you, but that cover, there'll be no loading or exclusion. So when we tend to go off work, especially for things like mental health or injuries, we tend to have to claim in a certain order. Normally, the first thing we claim on is income protection because we're Yep. off work. We make that waiting period, so we're off work for ninety days. We then need to make that claim to sort of get us an income replacement, so we claim on income protection. Then if we're still off work and can't go back to work, then we try to claim on CBD. And then if we, you know, pass away or become family Yes. ill at the end of the last cover is the last thing to be applied for. So it's just Yes. that's the way insurances tend to work the way we claim on things normally. As I said, your income protection policy transferring exactly as it is. No loadings or exclusions will be applied on that one. It's just the life and TBD. We'll transfer the cover as is. There'll be nothing no exclusions or loading from that policy either. It's just the increase if you decide to go through and apply for that 900,000 with Zurich. You don't have to. It does obviously reduce the insurance cost if you don't apply for that cover with Zurich, but it also means that in the event of a TPD Yep. or a life event, you don't have that high level of cover to fall back on. So it's just about what's important to you and what you're comfortable proceeding with, if that makes sense.","start_word":3981,"end_word":4282,"sentiment":"neutral","sentiment_score":0.04685101343399},{"text":"Yeah. That sounds good. I'll go with what you're recommending.","start_word":4283,"end_word":4292,"sentiment":"positive","sentiment_score":0.4795862734317779},{"text":"I Yeah. just wanted to have those couple Yeah. of, you know, statements. I just wanted Yeah. to just kind of talk that out. It was. Absolutely. Can Absolutely. you just wait two seconds? It's Is that a little okay? bit Sorry. I just just bit two seconds. I just gotta talk to my kids. yeah. One You're one right. moment. You're right. Sorry. That's Yeah. absolutely They fine. just I wanna can have hear them breakfast in the background. and stuff. So sorry. Yeah. No. That's okay. Yeah. No.","start_word":4293,"end_word":4382,"sentiment":"neutral","sentiment_score":0.03906797990202904},{"text":"That's fine. You can do all of that. That's fine. Yeah. That's all good.","start_word":4383,"end_word":4396,"sentiment":"positive","sentiment_score":0.5696144104003906},{"text":"It's a little bit because there are three steps to this, it's kind of transferring the cover you have with your two current providers in the hub 24 and then applying for more cover on top of that. There is a little bit to kind of wrap your head around, slightly understandable, but it's important to note that, essentially, out of the total amount of cover you'll have, the first $426,009.78 Yes. doesn't have any loading or include, but that is exactly as it is now, which is the benefit. Yep.","start_word":4397,"end_word":4487,"sentiment":"neutral","sentiment_score":0.09762585908174516},{"text":"And it means your total cover amount, you'll have as little like a 1,300,000 in coverage meets your goal.","start_word":4488,"end_word":4506,"sentiment":"positive","sentiment_score":0.4343797564506531},{"text":"And if you were to pass away, it looks after your family and see your youngest child turns 18. But then it also you know, in the event of TBD event means that if you're off work because one of the biggest things we do find with TBD is permanent disablement. So if you're at this stage, you're just so young, you know, if you're unable to go back to work ever again, you kind of gotta cover your life so I'll look after your family as long as you possibly can. So that CBD, again, will cover your life until your youngest ten eighteen, and then you've also got your super building on top of that, which is important as well. So it does mean that our exclusion's been loading to the first part of the policy, but we will look at when they can be reviewed, and we'll make sure we do review those with you and have those removed or altered as we can. We also review the policies every year to make sure that they remain in line with what you need with what your goals are, and we can alter those policies as we need to. The way we see insurances to begin with is when you're younger, we need a higher level of cover. We have more debt. We obviously have, you know, family to look after a lot more in the way of expenses, and our super balance is a bit lower. But as our super increases in value, as our debt level decreases, as our needs for insurance decrease, we start to be able to decrease those policies down as well. And the first thing we would look to decrease would be that direct policy. It's obviously the most expensive part of the policy, and that's the one with the loadings and exclusions, so we would look to decrease and alter that policy before we touch anything on the lower part of the policy that doesn't have any loadings or exclusion. Does that make sense? Yep. Definitely. Yes.","start_word":4507,"end_word":4852,"sentiment":"neutral","sentiment_score":-0.03516757815021139},{"text":"Yep. All good.","start_word":4853,"end_word":4855,"sentiment":"positive","sentiment_score":0.47662872076034546},{"text":"I would sort of I would sort of suggest if you've got some time later, pull up that section of the document.","start_word":4856,"end_word":4877,"sentiment":"neutral","sentiment_score":0.27616581320762634},{"text":"Have a really good read through it as well because it kinda does outline all that information for you and break it down.","start_word":4878,"end_word":4900,"sentiment":"positive","sentiment_score":0.4252612888813019},{"text":"I've also got a needs analysis below for you as well, which outlines essentially what we're doing, why we're doing it, and how we got the figures that we have there for you. Yep. Some of them when I'm kinda going through it with you, I'm telling you what we're gonna do, how it works, but it can also just take be easy when you take a bit of time for yourself to have a look at the document and read through those sections as well so you can kind of break it down. Okay? Yep.","start_word":4901,"end_word":4996,"sentiment":"neutral","sentiment_score":0.26035481691360474},{"text":"Thank you. All good.","start_word":4997,"end_word":5000,"sentiment":"positive","sentiment_score":0.5539700388908386},{"text":"Essentially, if you then are able to scroll up to page 23 for me, the fee comparison table, This essentially shows you the outlook of all those recommendations to make it easier on you. Oh, yep.","start_word":5001,"end_word":5036,"sentiment":"neutral","sentiment_score":0.2227657288312912},{"text":"Beautiful.","start_word":5037,"end_word":5037,"sentiment":"positive","sentiment_score":0.5612950921058655},{"text":"So the current has your three super funds at the moment with the balances you have in there at the moment and the fees that you're paying out of those funds currently, the contributions going in, and also your insurance premium. At the moment, when we look at how you invested across the three funds, you're essentially in more of a growth portfolio.","start_word":5038,"end_word":5100,"sentiment":"neutral","sentiment_score":0.1753411889076233},{"text":"You're actually meant to be more of a high growth environment looking to get greater potential returns, working and compounding your super hard towards your retirement. So by making the changes, consolidating the super funds, applying to that newer level of cover through Zurich, and transferring your current insurance to HUB24, we can actually see you would end up with a starting balance of 212,848. Everything is in one place, making it nice and easy for you. You still have administration fees and investment fees and any other fees applicable to the fund, but it's all in one place.","start_word":5101,"end_word":5199,"sentiment":"positive","sentiment_score":0.4580611890614635},{"text":"The ongoing service fee is still being deducted. Essentially, you do pay off the fee of 1.65% per annum, and that is deducted in smaller monthly increments.","start_word":5200,"end_word":5226,"sentiment":"neutral","sentiment_score":0.2623908519744873},{"text":"And that's our ongoing service, so you can look after your super updating and reflecting your advice and working hard towards your goals.","start_word":5227,"end_word":5249,"sentiment":"positive","sentiment_score":0.5326288342475891},{"text":"Your contributions No. will continue to will go in, and we'll have them move to the hub 24.","start_word":5250,"end_word":5267,"sentiment":"neutral","sentiment_score":0.07373620569705963},{"text":"That way, you can continue to receive contributions and build on your super.","start_word":5268,"end_word":5280,"sentiment":"positive","sentiment_score":0.452898234128952},{"text":"And then the 3,006, that's essentially the total we expect for the total insurance premium. So that's the transfer of the two current insurance policies and then also the direct policy.","start_word":5281,"end_word":5311,"sentiment":"neutral","sentiment_score":0.2772788107395172},{"text":"And that shows you the best view what we'd expect to come out of your paper.","start_word":5312,"end_word":5327,"sentiment":"positive","sentiment_score":0.4114293158054352},{"text":"Yep. When you I've look got at two how I've got the shape two yes. sorry. I've got two employers Yes. now. So will you tell them to change Yeah. it all, like, all their contributions into to change.","start_word":5328,"end_word":5366,"sentiment":"neutral","sentiment_score":0.012285527773201466},{"text":"Absolutely.","start_word":5367,"end_word":5367,"sentiment":"positive","sentiment_score":0.3845534324645996},{"text":"We'll Shoes. provide Yep. you with the contributions form, and you just send that to them, and then we'll make sure that they get transferred over. If you wanted to provide us with their emails, we can absolutely email them the information as well.","start_word":5368,"end_word":5411,"sentiment":"neutral","sentiment_score":0.2953278720378876},{"text":"So we'll definitely make sure that happens for you. It's not a problem at all. Okay?","start_word":5412,"end_word":5427,"sentiment":"positive","sentiment_score":0.5448957085609436},{"text":"With the changes to the investments that we kinda went through above as well, it's important to note that there are so like yourself, your super fund every year does a tax return for you. So in order to make the investment switches, we estimate the CDT to be about $98, very small amount of CDT to be able to change the investment portfolio. And when we look at how everything has been working No. and the the essentially, the newer portfolio and how it has returned, it's averaged 12.02% over the last five years as well.","start_word":5428,"end_word":5524,"sentiment":"neutral","sentiment_score":0.16725888464254202},{"text":"So on the next page, you've got a projection outcome, and it sort of shows by consolidating, even with applying to the higher level of cover, everything does work in your favor. And over the next five to ten years, we can project you to be in a much greater position than where you would be currently.","start_word":5525,"end_word":5581,"sentiment":"positive","sentiment_score":0.3991173207759857},{"text":"Does that make sense? Yes. Yes. Yes.","start_word":5582,"end_word":5588,"sentiment":"neutral","sentiment_score":0.1804073303937912},{"text":"All good. Look.","start_word":5589,"end_word":5591,"sentiment":"positive","sentiment_score":0.4503234326839447},{"text":"You've got a lot going on. What I'll do is Yes. I'll let you go back to have a read through the document. Please let Yes. me know if you have any questions in relation to it, Joanne. And did you want me to sort of send you just an email after the call just with a bit of a breakdown on the recommendations as well just to kind Yes. of clarify That things would be for really you a little good. bit more? Yep. Yes. Yep. That Easy. would be really I'll do not a problem at all. What I'll do is I know you have signed the document. Did you want me just to hold off? I will send you the email now, give you some time to read it over, and then you can just email me back and let me know if you'll have the receipt or if there's any changes that you wanna make. Does that sound okay? Yep. That sounds good. Also, I noticed that my Yes. income's at a 107, but it is at a 120 plus. I've got the second employment. So do Okay. Yeah. So I'll update that for you in the back end. you The good thing is because we're not able to apply or we're not applying for new income need protection or higher income protection, it that? won't have any effect on the application with Zurich, but I will make a note in the back end for you. Okay.","start_word":5592,"end_word":5842,"sentiment":"neutral","sentiment_score":0.11591459065675735},{"text":"Sounds Beautiful.","start_word":5843,"end_word":5844,"sentiment":"positive","sentiment_score":0.41870468854904175},{"text":"good. And is is the new role, the secondary role, is that different to what you're doing at the moment? Yes. It's a governance role, so I'm a director on the board. Okay. Director on a board.","start_word":5845,"end_word":5881,"sentiment":"neutral","sentiment_score":0.06414122134447098},{"text":"Beautiful. Lovely.","start_word":5882,"end_word":5883,"sentiment":"positive","sentiment_score":0.5294297933578491},{"text":"And do you do work for that every week or fortnight? Is there just something you meet It's on every a regular basis to do? it's every fortnight. It's paid every fortnight, Fortnight. but I do a lot of work Okay. outside of that. Yeah. You probably do more than you paid for. Yes.","start_word":5884,"end_word":5937,"sentiment":"neutral","sentiment_score":0.05819680914282799},{"text":"Definitely. Yep. Excellent. Not a problem at all. Well, what easy. That's basically the nod of everything for you. Feel free to go back and have a bit of a read through those sections.","start_word":5938,"end_word":5971,"sentiment":"positive","sentiment_score":0.5051032304763794},{"text":"Just wanna wrap your head around the breakdown of the insurance side of things. Let me know if there is any questions, and I'm just gonna shoot you a quick email now just with a quick breakdown of the recommendations just to kind of Yes.","start_word":5972,"end_word":6016,"sentiment":"neutral","sentiment_score":0.2726030647754669},{"text":"help you out.","start_word":6017,"end_word":6019,"sentiment":"positive","sentiment_score":0.3456572890281677},{"text":"If you have additional questions, come back and let me know. I know it is a lot to go through, and I'm so sorry. That's alright. It's just about making sure that you you kinda get all that information as well. Okay? Yep. Okay.","start_word":6020,"end_word":6063,"sentiment":"neutral","sentiment_score":-0.0183832086622715},{"text":"Good. Thank you. No worries. You have a good day. I hope you have a good day, and let me know if there's anything you need, Joanne. Okay. Thank you. See you. Thanks. Bye. See you later.","start_word":6064,"end_word":6100,"sentiment":"positive","sentiment_score":0.6275020241737366},{"text":"Bye.","start_word":6101,"end_word":6101,"sentiment":"neutral","sentiment_score":0.2344440519809723}],"average":{"sentiment":"neutral","sentiment_score":0.11476538523230932}}}}