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It's freezing in these old Queenslander homes even though the sun's out. What about your end? No way. Oh, mate. I'm definitely looking forward to a fire tonight. That'd be on fire. And I have an updated plan to send through to you, sir. It's quite excited to go through it with you. Do you have a few minutes to jump on the emails with me today? Perfect. I'm gonna pop that through to you now just so it's got a minute to go through. Are you okay to just confirm date of birth and address for security? No worries. Yep. Sensational. Thanks for that. Now I've just popped that through to your Gmail, and I'm just gonna run through. So there's a bit of a pack there because with the updated advice document, I've included all of the product provider, PDSs, which is about four of them or about two and a half thousand pages. So So I'll just put them at the end for you. And we just added some research appendix, a bit of a service agreement there. And, mate, we've had nothing but wins for your plan at the moment. Usually, insurances isn't my favorite thing, but when you get a bit of a win, I quite like it. And portfolio is looking good too. So when you get that one up, mate, just let me know when you can see inside the sign here button. It'll bring up all the documents to scroll through with me. And the first one should have yeah. It's not gonna sign anything. It just brings them up to peruse first. So we'll just have a scroll through. Cool. So you can see the beachfront Gold Coast picture there? Amazing. Alright. Can you pop through to page four for me? It's got a scope of advice. Cool. So this basically just covers what advice is in the document versus what we're not giving advice on today. Main thing is bit of a review of the portfolio that we discussed last time, just getting that underperforming option sorted for you and topping up the TBD for the insurance, looking at the income protection, and we did have a bit of a chat about the trauma cover as well. And just outside of that, we're just doing the usual reminders for estate planning on the next page about wills and powers of attorney. And there's a little amendment I wanna make to the life insurance, which I'll walk you through in a sec. And on the area that we're not giving advice on after that is basically budgeting, debt management. You're obviously sorting out your own renovations, paying out a mortgage, and so on. So we're just focusing on the super insurance today. Cool. If you go through past there, we've got limited advice warning. Again, areas that are not being addressed. It's not everything. We've got your details on the next two pages. So, again, phone number, email address, lead mechanical engineer, we have your 180 at the moment from the update. And primary place of residence, two cars, and a zero balance credit card for the assets and liabilities. Yeah. Yeah. That's right. The daughter. Correct. Recent. Yep. So I'll add that on there. And then daughter, apologies for that. Independence. Absolutely. And I did manage to get that complimentary child cover in there as well, so I'll walk you through that in a second. There's a few little details, so we'll just take a few minutes to go through it together. So if you go past there, page ten and eleven has your high growth risk profile. No changes there. We're just changing investment options rather than increasing or decreasing risk. And if you go into strategy recommendations on twelve and thirteen, it's quite text heavy. Could be a blue title there. Yep. So just to summarize, the best interest duty is how the recommendations achieve your goals and leave you in a better position. Basically, what we're doing is replacing the underperforming investment options, doing a bit of a rebalance. It'll save on fees, better performance, but we're not doing a full retirement analysis because that's twenty eight years away. We're just gonna do that usual ten year projection of the month. Cool. Next page, pros and cons of the super advice. There's an advantages disadvantages table. So we're basically going for some more, like, passive low fee investments at the moment and a bit of a change in style. Most of them were originally, but just getting rid of that active one to put another ETF in. The downside of the ETF is you pay a bit of brokerage fee upfront to purchase them, which is at 0.11%. We factor that into the figures, but then you've got the lowest fee investment going forward from that. K? We factored in a little bit of capital gains tax within the super because we've got you in a wrap platform. Normally, it's all baked in, but we've got control over what you buy and sell and how that impacts you with super tax under the hood. So we just factor that in as well. Cool. So if you go down a couple more pages, there's a nice hefty table on pages fifteen and sixteen, which is the portfolio. So what this is basically doing, if you go it's actually probably easier bottom to top, and the second last column has target weight. And you can basically see the nice round figures in there, five, seven, 20 five, and so on. So we're mixing in a bit of gold in your portfolio to get you some alternatives. The third last row, beta shares 200, that's the replacement for that Benelon option. So it probably goes from 90 basis points in the investment fee to 20, and performance basically double and triple over one, three, and five years. Everything else, I'm just getting out of a few of the old options that we used to use, couple of updates, mainly waiting you in international shares a bit heavier as well. Correct. So after that, if you go to asset allocation on 17, big colored pie chart there. So the main takeaway here, very middle row, there's a gray bar for growth total. Basically, for high growth, you need about 90% growth assets. You were sitting just under it with the drops in Benelon. This will kind of bump you back up above 90%. Usually, the range for high growth is between 90 and a 100%. K? Bit of alternatives is the only real change there. And if you go down the comparisons on the next page is the main one. So top right, 3 40 3 is the capital gains tax under the hood that we've taken out. Then you've got the investment fees dropped by $5.53. They're percentage based, but it's basically dropping it less than half from $8.40 to $2.87. Insurance premiums, so I factored in the new income protection and TBD in there. So just as a quick reminder, we put an affordability flag as less than 30% of your contribution, and it came out to be about 13 and a half For the trauma cover, I'll walk you through that in a sec. But for the 50 a month that we were thinking, it came out to be about 23. So that turned out pretty good. Performance at the bottom of that table. So this is bringing your five year average back up into the double digits with that rebalance there, which is what we want 10% and above consistently. Cool. Again, take the projections with a grain of salt there because, obviously, everything changes yearly. But that fifty to two hundred is the expected outcome over five and ten years. But, again, even going from 3 to 400,000, good. The table after that, that just shows you short, medium, and long term performance comparison. So even though what you were in was still double digits long term over ten years, this just brings all time periods back up to where they should be. Cool. Any questions on the super so far? Cool. Next page here. So I'll just take a minute with this one. If you go to this is all the insurance tables. So that would be '20 and 21. It could say apply for life and trauma through a sender. So quick breakdown here is we compared all the other insurers. A a few of them came out looking really good in the software. But when we did some direct quoting, they didn't apply different discounts. So Ascender, your current one came out really good. Still high feature score. Premiums were pretty much best or second best. So I've opted to stay with them. Now this first table, it says to apply for a $100,000 of life and trauma cover. So what this basically does is if you get trauma insurance out of pocket by itself, it's actually more expensive than linking it to a life insurance policy. So what we're doing is even though you've got that 1,300,000 of life insurance, if we add another life policy outside of pocket and link them together, it works out cheaper overall, and you get that extra $100 of life of a distinct tax. Now on the right hand side, there's some features. So this trauma one, this is the out of pocket one for heart attack, stroke, and cancer. I mentioned last time that if you go to plus range for a couple of bucks, it gives you another 37 conditions, which is like, you know, bacterial meningitis, organ failure, burns, deafness, all that kind of thing. Now I've added in I don't usually add features. That's usually just an extra cost for you. But these ones, each feature was about a dollar 20 a month kind of thing. So from a reinstatement is basically you have a heart attack and get a $100,000, it will then reinstate the 100,000 back up rather than it being wiped out and kind of deleted. So that means you can then claim on cancer. You can then claim on the other conditions. So you can just repeatedly claim on different events. They've automatically got child support benefit added in. So $10,000 for all children automatically. The financial planning benefit, that's just inbuilt as well. So if you have a claim, they will pay you a few grand to get advice. Complimentary and extra benefits option is for partial claims. So that was about $2 a month. The main thing for this one, and I've seen it happen a lot is people get diagnosed with a certain cancer, but they have these rules about the skin cancer is gonna be so large or affecting so many organs before you can claim on it. This kinda lets you do a broader range of claims and also got some fun little features like if you lose a eye handle foot, you can do a partial claim of, like, $2,050,000. So this pretty much gives you the frankly enough, the sender's got the best spread of conditions for all the insurers. So with the plus and the extras, that'll give you the most amount of things to claim on. In their PDF is a huge table of all the things that you can claim on. K? So, again, that out of pocket cost, we were trying to get it under 50. So that's being $23.52. When I get an alteration quote back from a sender, they're also likely gonna apply a multi policy discount 10% to all of them. So this might be 21 a month or something like that. Correct. K. So I'll leave that one there. There's no payments until you go through again. Application gets approved, like, kind of thing and credit card bank details, whatever it is. The income protection turned out really good underneath that as well. That's the next table. So do you remember how I was gonna kind of work back the price if it was expensive from age 65 benefit down to five years or two years? It came out to after the rebate, 1,600 out of super, which again is quite low. So I've just done this the standard, thirty days age 65. You're out of work for a month, there's ten and a half grand up until retirement. K? Now the alterations on the next page, if you kinda go left to right, it will show you here's the 1.3 that you've got and the CBD being topped up. Now the only caveat with this one is that alteration pricing is a little bit different than the quotes that we get. So when we go to apply for it, that jump from $7.17 out of super to $8.67, it might be $8.75 or $8.80 with the alteration pricing instead. So I'm just giving you a warning that when the the final alteration quote comes through from them to apply for, it may be $10.20 bucks more out of super. Cool. So main thing here, income protection and trauma get added, existing cover stays the same, and just increase the CPD. Cool. Outside of that, the because we're doing that extra little life cover policy for the trauma discount, we'll just have to put a beneficiary nomination on that one just like your your other one. So, again, life cover you've been aimed to it's who it goes to. Cool. Again, we're just using the reports from 2024 for the application. And if there's been no health changes since then, should be all good. If there's anything that pops up that we don't know about, there may be, you know, exclusions and things like that applied. Awesome. Alrighty. The rest of that section basically just goes over how we arrived at the figures together, which was just to cover that new income, increase the TPD to be in line with your life cover, and that $100 for the trauma for medical. It also has a impact table, which basically shows here's what you're currently paying out of super. Here's the new one. If you have no insurances at all, what does that do through the super impact? Now if you look at the bottom of page 23, it shows you, like, a ten year impact. Could have a little small table there. So you're currently on track for that three sixteen. This factors in the super advice as well, but seven 18 is for the life and CPD. 249O is all of the policies put together. Get to 05:15 with the super recommendations as well. If you had no insurance, it'd be $5.54. So that just shows you, like, if you pay premiums versus none, what that's actually doing to the super. K? Advantage disadvantages from there, pretty much if you pay for a policy out of pocket, it's gonna impact the cash flow. There'll be increased premiums in the super, and everything will be in line with your needs analysis, essentially. So last one I'll point out is just at the bottom of page 26. There's a bit of a colored logo table with all the different insurers we compared. So I saw this and looked at the top five and went, okay. There's four that are cheaper than a sender. Only a couple that match it for features. So I just went straight into quoting with you and everybody. But then all of a sudden, the discount supply and the actual cover turned out to be basically the same in front. So I've discounted those guys even though upfront they looked very good. Cool. The rest of that document's basically just beneficiary nomination for that extra life policy. For all insurances as well. If you could go down towards the at the bottom of the document, age 36 has a remuneration table. Actually, two remuneration tables. So one's for upfront, one's for ongoing. So all insurers, whenever we set up a policy, they do pay us the first 66% of the premiums for the applications and everything, and then 22% ongoing to manage claims advice. So that's just been disclosed here as well. There's no, again, differences where we save one insurer over the other and get kickbacks or anything, but that's just to cover the advice for the insurance. Cool. In terms of implementation is the last bit on '38. It says how to implement our advice. Basically, if you consent on this advice document, we can then hop on the hub and switch the investments around. We'll book you in for a personal statement for the insurance policy, which we need about a week just to make sure that final quote comes through. Once that's done, usually takes a couple of weeks to go in force unless there's any doctor's reports that I need. And then it's just a matter of sorting out the beneficiary nomination, which will include with the application. And, again, we can't put in place a will for you. Thank you, Dan. But how are you liking the plan so far? Yep. Yep. Okay. Easy done. So Perfect. So what I'll do on that one, Daniel, is can you see there on the next page, page 39, where it's got the the two paragraphs there and a little bit of a sign section? So what I'm gonna do here, the first paragraph is you're okay to proceed with all recommendations. The second one is what you would like to vary. So I'm just gonna add a text box into here and resend it to you. And then if you can just type in there, you know, no trauma insurance or don't go ahead with trauma. Once you sign that one, we can just keep that on file, and we don't have to apply for that one. Cool. Alright. So I'll get that sorted straight away. The once you go through this document, there'll be that service agreement to remain advisers on the super. So one thing I wanted to let you know there is same advice fees for managing the super as last year. One 0.65 capital 600,000. Next year though, we are bringing in a tiered fee structure. So anyone above 200,000, they're gonna start getting discounts applied to their percentage. Again, I can't do that now because we have to get, like, a new financial services guide and a few legal things updated. But once all the new structures are in place, you're getting close to that 200 mark, so you'll get that pretty soon as well. Yeah. Absolutely. So outside of that, mate, any other questions for me? Fantastic. So don't sign this one. I'll quickly just amend that text box for you and resend it through. When you go through it, just click through. It'll bring you down to each section to sign. And then once you get to the documents that don't require a signature, which is the appendix and all the product documents for the providers, you can basically just click next document and it'll skip through unless you actually wanna scroll through all 2,000 page. Yeah. Leave that for us. We already did that, and that's how we come up with a recommendation. So it's just there for your records. Awesome, Daniel. Any questions for me before I let you go for the week? Fantastic. Mate, I'm glad to get a few good outcomes there. And if you have any questions, I'll basically line you up with Jack to go through the application. Like I said, I just need to leave a week for Ascender to get all the figures updated because we'll remove the trauma from the quote as well. Is there a good day or time from the week of the twentieth onwards. Perfect. We're pretty well sweet on Wednesday all the way through. I'll just quickly check the implementation team to see what they've got. We've got pretty much a a late night available as well. So anything from ten in the morning till about 05:30 in the evening, I can put in for you. Yep. Things are done. I'll put in to ten. We usually leave, like, a full hour just blocked out for it. They don't normally take more than half an hour anyway, but just as a bit of a heads up. I don't think you had that much in the way of, you know, medical conditions to go through all the extra questions on, but you know what? Insurers are likely to tick yes to one thing. They open up the next 10 questions for it. So just allow a bit of time. Yeah. Correct. Personal statement for sender. And it will likely be Jack who's calling you for that. Awesome, Daniel, mate. Thank you so much for your time. Really appreciate it. I will resend that email to you in a few minutes, and next time we speak to you will be on the twenty second. Mate, no worries. Anytime at all. I'll talk to you, sir. Thank you. 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day, Daniel. It's Tommy here, senior adviser. I wrote to you, mate. How are you doing? Mate, things are going sensational.\n\nIt's freezing in these old Queenslander homes even though the sun's out. What about your end? No way. Oh, mate. I'm definitely looking forward to a fire tonight.\n\nThat'd be on fire. And I have an updated plan to send through to you, sir. It's quite excited to go through it with you. Do you have a few minutes to jump on the emails with me today? Perfect.\n\nI'm gonna pop that through to you now just so it's got a minute to go through. Are you okay to just confirm date of birth and address for security? No worries. Yep. Sensational.\n\nThanks for that. Now I've just popped that through to your Gmail, and I'm just gonna run through. So there's a bit of a pack there because with the updated advice document, I've included all of the product provider, PDSs, which is about four of them or about two and a half thousand pages. So So I'll just put them at the end for you. And we just added some research appendix, a bit of a service agreement there.\n\nAnd, mate, we've had nothing but wins for your plan at the moment. Usually, insurances isn't my favorite thing, but when you get a bit of a win, I quite like it. And portfolio is looking good too. So when you get that one up, mate, just let me know when you can see inside the sign here button. It'll bring up all the documents to scroll through with me.\n\nAnd the first one should have yeah. It's not gonna sign anything. It just brings them up to peruse first. So we'll just have a scroll through. Cool.\n\nSo you can see the beachfront Gold Coast picture there? Amazing. Alright. Can you pop through to page four for me? It's got a scope of advice.\n\nCool. So this basically just covers what advice is in the document versus what we're not giving advice on today. Main thing is bit of a review of the portfolio that we discussed last time, just getting that underperforming option sorted for you and topping up the TBD for the insurance, looking at the income protection, and we did have a bit of a chat about the trauma cover as well. And just outside of that, we're just doing the usual reminders for estate planning on the next page about wills and powers of attorney. And there's a little amendment I wanna make to the life insurance, which I'll walk you through in a sec.\n\nAnd on the area that we're not giving advice on after that is basically budgeting, debt management. You're obviously sorting out your own renovations, paying out a mortgage, and so on. So we're just focusing on the super insurance today. Cool. If you go through past there, we've got limited advice warning.\n\nAgain, areas that are not being addressed. It's not everything. We've got your details on the next two pages. So, again, phone number, email address, lead mechanical engineer, we have your 180 at the moment from the update. And primary place of residence, two cars, and a zero balance credit card for the assets and liabilities.\n\nYeah. Yeah. That's right. The daughter. Correct.\n\nRecent. Yep. So I'll add that on there. And then daughter, apologies for that. Independence.\n\nAbsolutely. And I did manage to get that complimentary child cover in there as well, so I'll walk you through that in a second. There's a few little details, so we'll just take a few minutes to go through it together. So if you go past there, page ten and eleven has your high growth risk profile. No changes there.\n\nWe're just changing investment options rather than increasing or decreasing risk. And if you go into strategy recommendations on twelve and thirteen, it's quite text heavy. Could be a blue title there. Yep. So just to summarize, the best interest duty is how the recommendations achieve your goals and leave you in a better position.\n\nBasically, what we're doing is replacing the underperforming investment options, doing a bit of a rebalance. It'll save on fees, better performance, but we're not doing a full retirement analysis because that's twenty eight years away. We're just gonna do that usual ten year projection of the month. Cool. Next page, pros and cons of the super advice.\n\nThere's an advantages disadvantages table. So we're basically going for some more, like, passive low fee investments at the moment and a bit of a change in style. Most of them were originally, but just getting rid of that active one to put another ETF in. The downside of the ETF is you pay a bit of brokerage fee upfront to purchase them, which is at 0.11%. We factor that into the figures, but then you've got the lowest fee investment going forward from that.\n\nK? We factored in a little bit of capital gains tax within the super because we've got you in a wrap platform. Normally, it's all baked in, but we've got control over what you buy and sell and how that impacts you with super tax under the hood. So we just factor that in as well. Cool.\n\nSo if you go down a couple more pages, there's a nice hefty table on pages fifteen and sixteen, which is the portfolio. So what this is basically doing, if you go it's actually probably easier bottom to top, and the second last column has target weight. And you can basically see the nice round figures in there, five, seven, 20 five, and so on. So we're mixing in a bit of gold in your portfolio to get you some alternatives. The third last row, beta shares 200, that's the replacement for that Benelon option.\n\nSo it probably goes from 90 basis points in the investment fee to 20, and performance basically double and triple over one, three, and five years. Everything else, I'm just getting out of a few of the old options that we used to use, couple of updates, mainly waiting you in international shares a bit heavier as well. Correct. So after that, if you go to asset allocation on 17, big colored pie chart there. So the main takeaway here, very middle row, there's a gray bar for growth total.\n\nBasically, for high growth, you need about 90% growth assets. You were sitting just under it with the drops in Benelon. This will kind of bump you back up above 90%. Usually, the range for high growth is between 90 and a 100%. K?\n\nBit of alternatives is the only real change there. And if you go down the comparisons on the next page is the main one. So top right, 3 40 3 is the capital gains tax under the hood that we've taken out. Then you've got the investment fees dropped by $5.53. They're percentage based, but it's basically dropping it less than half from $8.40 to $2.87.\n\nInsurance premiums, so I factored in the new income protection and TBD in there. So just as a quick reminder, we put an affordability flag as less than 30% of your contribution, and it came out to be about 13 and a half For the trauma cover, I'll walk you through that in a sec. But for the 50 a month that we were thinking, it came out to be about 23. So that turned out pretty good. Performance at the bottom of that table.\n\nSo this is bringing your five year average back up into the double digits with that rebalance there, which is what we want 10% and above consistently. Cool. Again, take the projections with a grain of salt there because, obviously, everything changes yearly. But that fifty to two hundred is the expected outcome over five and ten years. But, again, even going from 3 to 400,000, good.\n\nThe table after that, that just shows you short, medium, and long term performance comparison. So even though what you were in was still double digits long term over ten years, this just brings all time periods back up to where they should be. Cool. Any questions on the super so far? Cool.\n\nNext page here. So I'll just take a minute with this one. If you go to this is all the insurance tables. So that would be '20 and 21. It could say apply for life and trauma through a sender.\n\nSo quick breakdown here is we compared all the other insurers. A a few of them came out looking really good in the software. But when we did some direct quoting, they didn't apply different discounts. So Ascender, your current one came out really good. Still high feature score.\n\nPremiums were pretty much best or second best. So I've opted to stay with them. Now this first table, it says to apply for a $100,000 of life and trauma cover. So what this basically does is if you get trauma insurance out of pocket by itself, it's actually more expensive than linking it to a life insurance policy. So what we're doing is even though you've got that 1,300,000 of life insurance, if we add another life policy outside of pocket and link them together, it works out cheaper overall, and you get that extra $100 of life of a distinct tax.\n\nNow on the right hand side, there's some features. So this trauma one, this is the out of pocket one for heart attack, stroke, and cancer. I mentioned last time that if you go to plus range for a couple of bucks, it gives you another 37 conditions, which is like, you know, bacterial meningitis, organ failure, burns, deafness, all that kind of thing. Now I've added in I don't usually add features. That's usually just an extra cost for you.\n\nBut these ones, each feature was about a dollar 20 a month kind of thing. So from a reinstatement is basically you have a heart attack and get a $100,000, it will then reinstate the 100,000 back up rather than it being wiped out and kind of deleted. So that means you can then claim on cancer. You can then claim on the other conditions. So you can just repeatedly claim on different events.\n\nThey've automatically got child support benefit added in. So $10,000 for all children automatically. The financial planning benefit, that's just inbuilt as well. So if you have a claim, they will pay you a few grand to get advice. Complimentary and extra benefits option is for partial claims.\n\nSo that was about $2 a month. The main thing for this one, and I've seen it happen a lot is people get diagnosed with a certain cancer, but they have these rules about the skin cancer is gonna be so large or affecting so many organs before you can claim on it. This kinda lets you do a broader range of claims and also got some fun little features like if you lose a eye handle foot, you can do a partial claim of, like, $2,050,000. So this pretty much gives you the frankly enough, the sender's got the best spread of conditions for all the insurers. So with the plus and the extras, that'll give you the most amount of things to claim on.\n\nIn their PDF is a huge table of all the things that you can claim on. K? So, again, that out of pocket cost, we were trying to get it under 50. So that's being $23.52. When I get an alteration quote back from a sender, they're also likely gonna apply a multi policy discount 10% to all of them.\n\nSo this might be 21 a month or something like that. Correct. K. So I'll leave that one there. There's no payments until you go through again.\n\nApplication gets approved, like, kind of thing and credit card bank details, whatever it is. The income protection turned out really good underneath that as well. That's the next table. So do you remember how I was gonna kind of work back the price if it was expensive from age 65 benefit down to five years or two years? It came out to after the rebate, 1,600 out of super, which again is quite low.\n\nSo I've just done this the standard, thirty days age 65. You're out of work for a month, there's ten and a half grand up until retirement. K? Now the alterations on the next page, if you kinda go left to right, it will show you here's the 1.3 that you've got and the CBD being topped up. Now the only caveat with this one is that alteration pricing is a little bit different than the quotes that we get.\n\nSo when we go to apply for it, that jump from $7.17 out of super to $8.67, it might be $8.75 or $8.80 with the alteration pricing instead. So I'm just giving you a warning that when the the final alteration quote comes through from them to apply for, it may be $10.20 bucks more out of super. Cool. So main thing here, income protection and trauma get added, existing cover stays the same, and just increase the CPD. Cool.\n\nOutside of that, the because we're doing that extra little life cover policy for the trauma discount, we'll just have to put a beneficiary nomination on that one just like your your other one. So, again, life cover you've been aimed to it's who it goes to. Cool. Again, we're just using the reports from 2024 for the application. And if there's been no health changes since then, should be all good.\n\nIf there's anything that pops up that we don't know about, there may be, you know, exclusions and things like that applied. Awesome. Alrighty. The rest of that section basically just goes over how we arrived at the figures together, which was just to cover that new income, increase the TPD to be in line with your life cover, and that $100 for the trauma for medical. It also has a impact table, which basically shows here's what you're currently paying out of super.\n\nHere's the new one. If you have no insurances at all, what does that do through the super impact? Now if you look at the bottom of page 23, it shows you, like, a ten year impact. Could have a little small table there. So you're currently on track for that three sixteen.\n\nThis factors in the super advice as well, but seven 18 is for the life and CPD. 249O is all of the policies put together. Get to 05:15 with the super recommendations as well. If you had no insurance, it'd be $5.54. So that just shows you, like, if you pay premiums versus none, what that's actually doing to the super.\n\nK? Advantage disadvantages from there, pretty much if you pay for a policy out of pocket, it's gonna impact the cash flow. There'll be increased premiums in the super, and everything will be in line with your needs analysis, essentially. So last one I'll point out is just at the bottom of page 26. There's a bit of a colored logo table with all the different insurers we compared.\n\nSo I saw this and looked at the top five and went, okay. There's four that are cheaper than a sender. Only a couple that match it for features. So I just went straight into quoting with you and everybody. But then all of a sudden, the discount supply and the actual cover turned out to be basically the same in front.\n\nSo I've discounted those guys even though upfront they looked very good. Cool. The rest of that document's basically just beneficiary nomination for that extra life policy. For all insurances as well. If you could go down towards the at the bottom of the document, age 36 has a remuneration table.\n\nActually, two remuneration tables. So one's for upfront, one's for ongoing. So all insurers, whenever we set up a policy, they do pay us the first 66% of the premiums for the applications and everything, and then 22% ongoing to manage claims advice. So that's just been disclosed here as well. There's no, again, differences where we save one insurer over the other and get kickbacks or anything, but that's just to cover the advice for the insurance.\n\nCool. In terms of implementation is the last bit on '38. It says how to implement our advice. Basically, if you consent on this advice document, we can then hop on the hub and switch the investments around. We'll book you in for a personal statement for the insurance policy, which we need about a week just to make sure that final quote comes through.\n\nOnce that's done, usually takes a couple of weeks to go in force unless there's any doctor's reports that I need. And then it's just a matter of sorting out the beneficiary nomination, which will include with the application. And, again, we can't put in place a will for you. Thank you, Dan. But how are you liking the plan so far?\n\nYep. Yep. Okay. Easy done. So Perfect.\n\nSo what I'll do on that one, Daniel, is can you see there on the next page, page 39, where it's got the the two paragraphs there and a little bit of a sign section? So what I'm gonna do here, the first paragraph is you're okay to proceed with all recommendations. The second one is what you would like to vary. So I'm just gonna add a text box into here and resend it to you. And then if you can just type in there, you know, no trauma insurance or don't go ahead with trauma.\n\nOnce you sign that one, we can just keep that on file, and we don't have to apply for that one. Cool. Alright. So I'll get that sorted straight away. The once you go through this document, there'll be that service agreement to remain advisers on the super.\n\nSo one thing I wanted to let you know there is same advice fees for managing the super as last year. One 0.65 capital 600,000. Next year though, we are bringing in a tiered fee structure. So anyone above 200,000, they're gonna start getting discounts applied to their percentage. Again, I can't do that now because we have to get, like, a new financial services guide and a few legal things updated.\n\nBut once all the new structures are in place, you're getting close to that 200 mark, so you'll get that pretty soon as well. Yeah. Absolutely. So outside of that, mate, any other questions for me? Fantastic.\n\nSo don't sign this one. I'll quickly just amend that text box for you and resend it through. When you go through it, just click through. It'll bring you down to each section to sign. And then once you get to the documents that don't require a signature, which is the appendix and all the product documents for the providers, you can basically just click next document and it'll skip through unless you actually wanna scroll through all 2,000 page.\n\nYeah. Leave that for us. We already did that, and that's how we come up with a recommendation. So it's just there for your records. Awesome, Daniel.\n\nAny questions for me before I let you go for the week? Fantastic. Mate, I'm glad to get a few good outcomes there. And if you have any questions, I'll basically line you up with Jack to go through the application. Like I said, I just need to leave a week for Ascender to get all the figures updated because we'll remove the trauma from the quote as well.\n\nIs there a good day or time from the week of the twentieth onwards. Perfect. We're pretty well sweet on Wednesday all the way through. I'll just quickly check the implementation team to see what they've got. We've got pretty much a a late night available as well.\n\nSo anything from ten in the morning till about 05:30 in the evening, I can put in for you. Yep. Things are done. I'll put in to ten. We usually leave, like, a full hour just blocked out for it.\n\nThey don't normally take more than half an hour anyway, but just as a bit of a heads up. I don't think you had that much in the way of, you know, medical conditions to go through all the extra questions on, but you know what? Insurers are likely to tick yes to one thing. They open up the next 10 questions for it. So just allow a bit of time.\n\nYeah. Correct. Personal statement for sender. And it will likely be Jack who's calling you for that. Awesome, Daniel, mate.\n\nThank you so much for your time. Really appreciate it. I will resend that email to you in a few minutes, and next time we speak to you will be on the twenty second. Mate, no worries. Anytime at all.\n\nI'll talk to you, sir. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good day, Daniel.","start":3.6,"end":4.24,"sentiment":"neutral","sentiment_score":0.31925636033217114},{"text":"It's Tommy here, senior adviser.","start":4.24,"end":5.4399996,"sentiment":"neutral","sentiment_score":0.16140908002853394},{"text":"I wrote to you, mate.","start":5.4399996,"end":6.16,"sentiment":"neutral","sentiment_score":0.1519731104373932},{"text":"How are you doing?","start":6.16,"end":6.98,"sentiment":"neutral","sentiment_score":0.1922040432691574},{"text":"Mate, things are going sensational.","start":9.44,"end":10.82,"sentiment":"positive","sentiment_score":0.3354859948158264}],"sentiment":"neutral","sentiment_score":0.22595119002190503,"num_words":22,"start":3.6,"end":10.82},{"sentences":[{"text":"It's freezing in these old Queenslander homes even though the sun's out.","start":11.04,"end":14.719999,"sentiment":"neutral","sentiment_score":-0.15651497493187586},{"text":"What about your end?","start":14.719999,"end":15.86,"sentiment":"neutral","sentiment_score":-0.016829216852784157},{"text":"No way.","start":25.115,"end":25.855,"sentiment":"neutral","sentiment_score":-0.19238824397325516},{"text":"Oh, mate.","start":30.69,"end":30.85,"sentiment":"neutral","sentiment_score":0.23571977019309998},{"text":"I'm definitely looking forward to a fire tonight.","start":30.85,"end":33.510002,"sentiment":"positive","sentiment_score":0.5291039273142815}],"sentiment":"neutral","sentiment_score":0.08478563944143909,"num_words":28,"start":11.04,"end":33.510002},{"sentences":[{"text":"That'd be on fire.","start":33.57,"end":34.29,"sentiment":"positive","sentiment_score":0.345372699201107},{"text":"And I have an updated plan to send through to you, sir.","start":34.29,"end":40.93,"sentiment":"positive","sentiment_score":0.5633659412463506},{"text":"It's quite excited to go through it with you.","start":40.93,"end":43.725,"sentiment":"positive","sentiment_score":0.7580638726552328},{"text":"Do you have a few minutes to jump on the emails with me today?","start":43.885,"end":47.905,"sentiment":"neutral","sentiment_score":0.235812569303172},{"text":"Perfect.","start":50.285,"end":50.765,"sentiment":"positive","sentiment_score":0.43686041235923767}],"sentiment":"positive","sentiment_score":0.4675673332065344,"num_words":40,"start":33.57,"end":50.765},{"sentences":[{"text":"I'm gonna pop that through to you now just so it's got a minute to go through.","start":50.765,"end":54.704998,"sentiment":"neutral","sentiment_score":0.27339542087386637},{"text":"Are you okay to just confirm date of birth and address for security?","start":54.925,"end":60.079998,"sentiment":"neutral","sentiment_score":0.049288172561388746},{"text":"No worries.","start":63.26,"end":63.92,"sentiment":"neutral","sentiment_score":0.0562715008854866},{"text":"Yep.","start":71.674995,"end":72.174995,"sentiment":"neutral","sentiment_score":0.03950709104537964},{"text":"Sensational.","start":77.835,"end":78.335,"sentiment":"neutral","sentiment_score":0.30427077412605286}],"sentiment":"neutral","sentiment_score":0.16896439014988787,"num_words":34,"start":50.765,"end":78.335},{"sentences":[{"text":"Thanks for that.","start":78.555,"end":79.534996,"sentiment":"positive","sentiment_score":0.5622069537639618},{"text":"Now I've just popped that through to your Gmail, and I'm just gonna run through.","start":80.075,"end":86.81,"sentiment":"neutral","sentiment_score":0.17318268368641535},{"text":"So there's a bit of a pack there because with the updated advice document, I've included all of the product provider, PDSs, which is about four of them or about two and a half thousand pages.","start":86.81,"end":97.61,"sentiment":"neutral","sentiment_score":0.1100187295426925},{"text":"So So I'll just put them at the end for you.","start":97.61,"end":99.705,"sentiment":"neutral","sentiment_score":0.1570239629257809},{"text":"And we just added some research appendix, a bit of a service agreement there.","start":100.325005,"end":104.105,"sentiment":"neutral","sentiment_score":0.1462277216570718}],"sentiment":"neutral","sentiment_score":0.15214540601908405,"num_words":79,"start":78.555,"end":104.105},{"sentences":[{"text":"And, mate, we've had nothing but wins for your plan at the moment.","start":104.645004,"end":108.745,"sentiment":"neutral","sentiment_score":0.203411544744785},{"text":"Usually, insurances isn't my favorite thing, but when you get a bit of a win, I quite like it.","start":109.205,"end":115.53,"sentiment":"neutral","sentiment_score":0.30837349162289973},{"text":"And portfolio is looking good too.","start":115.53,"end":117.53,"sentiment":"positive","sentiment_score":0.4002118570109208},{"text":"So when you get that one up, mate, just let me know when you can see inside the sign here button.","start":117.53,"end":124.73,"sentiment":"neutral","sentiment_score":0.027750030692134584},{"text":"It'll bring up all the documents to scroll through with me.","start":124.73,"end":127.635,"sentiment":"neutral","sentiment_score":0.0357646488330581}],"sentiment":"neutral","sentiment_score":0.16972684780401842,"num_words":70,"start":104.645004,"end":127.635},{"sentences":[{"text":"And the first one should have yeah.","start":127.875,"end":132.115,"sentiment":"neutral","sentiment_score":0.011523727859769548},{"text":"It's not gonna sign anything.","start":132.115,"end":133.315,"sentiment":"neutral","sentiment_score":-0.15163168609142302},{"text":"It just brings them up to peruse first.","start":133.315,"end":135.41501,"sentiment":"neutral","sentiment_score":-0.0548609325196594},{"text":"So we'll just have a scroll through.","start":135.475,"end":137.255,"sentiment":"neutral","sentiment_score":0.006662810354360512},{"text":"Cool.","start":139.235,"end":139.475,"sentiment":"neutral","sentiment_score":0.28758400678634644}],"sentiment":"neutral","sentiment_score":-0.027934147011754767,"num_words":28,"start":127.875,"end":139.475},{"sentences":[{"text":"So you can see the beachfront Gold Coast picture there?","start":139.475,"end":142.375,"sentiment":"neutral","sentiment_score":0.1831739440560341},{"text":"Amazing.","start":144.07,"end":144.47,"sentiment":"positive","sentiment_score":0.5764843225479126},{"text":"Alright.","start":144.47,"end":144.79001,"sentiment":"neutral","sentiment_score":0.24635744094848633},{"text":"Can you pop through to page four for me?","start":144.79001,"end":147.45,"sentiment":"neutral","sentiment_score":0.12336331771479712},{"text":"It's got a scope of advice.","start":147.83,"end":149.53,"sentiment":"neutral","sentiment_score":0.05123699642717838}],"sentiment":"neutral","sentiment_score":0.15082492748344387,"num_words":27,"start":139.475,"end":149.53},{"sentences":[{"text":"Cool.","start":151.67,"end":151.99,"sentiment":"neutral","sentiment_score":0.27591121196746826},{"text":"So this basically just covers what advice is in the document versus what we're not giving advice on today.","start":151.99,"end":158.09,"sentiment":"neutral","sentiment_score":-0.050828297279383004},{"text":"Main thing is bit of a review of the portfolio that we discussed last time, just getting that underperforming option sorted for you and topping up the TBD for the insurance, looking at the income protection, and we did have a bit of a chat about the trauma cover as well.","start":158.465,"end":174.36,"sentiment":"neutral","sentiment_score":-0.02195212182899316},{"text":"And just outside of that, we're just doing the usual reminders for estate planning on the next page about wills and powers of attorney.","start":175.88,"end":183.26,"sentiment":"neutral","sentiment_score":0.0005622828224052986},{"text":"And there's a little amendment I wanna make to the life insurance, which I'll walk you through in a sec.","start":183.96,"end":189.455,"sentiment":"neutral","sentiment_score":-0.0033171070739626885}],"sentiment":"neutral","sentiment_score":-0.016193321768356406,"num_words":115,"start":151.67,"end":189.455},{"sentences":[{"text":"And on the area that we're not giving advice on after that is basically budgeting, debt management.","start":189.835,"end":196.015,"sentiment":"neutral","sentiment_score":-0.09860011716099347},{"text":"You're obviously sorting out your own renovations, paying out a mortgage, and so on.","start":196.795,"end":201.27501,"sentiment":"neutral","sentiment_score":-0.04290996292339904},{"text":"So we're just focusing on the super insurance today.","start":201.27501,"end":206.19,"sentiment":"neutral","sentiment_score":0.03605489522063484},{"text":"Cool.","start":206.19,"end":206.69,"sentiment":"neutral","sentiment_score":0.23323631286621097},{"text":"If you go through past there, we've got limited advice warning.","start":206.83,"end":210.05,"sentiment":"neutral","sentiment_score":-0.07011507112871516}],"sentiment":"neutral","sentiment_score":-0.04789378625439265,"num_words":52,"start":189.835,"end":210.05},{"sentences":[{"text":"Again, areas that are not being addressed.","start":210.11,"end":212.11,"sentiment":"neutral","sentiment_score":-0.1903421144400324},{"text":"It's not everything.","start":212.11,"end":213.01001,"sentiment":"neutral","sentiment_score":-0.16412684818108877},{"text":"We've got your details on the next two pages.","start":213.71,"end":217.01001,"sentiment":"neutral","sentiment_score":0.002607137171758546},{"text":"So, again, phone number, email address, lead mechanical engineer, we have your 180 at the moment from the update.","start":217.535,"end":225.875,"sentiment":"neutral","sentiment_score":0.02616661355683678},{"text":"And primary place of residence, two cars, and a zero balance credit card for the assets and liabilities.","start":226.575,"end":234.85999,"sentiment":"neutral","sentiment_score":0.02498327764785952}],"sentiment":"neutral","sentiment_score":-0.015257972425648145,"num_words":56,"start":210.11,"end":234.85999},{"sentences":[{"text":"Yeah.","start":240.2,"end":240.35999,"sentiment":"neutral","sentiment_score":-0.025111034512519836},{"text":"Yeah.","start":240.35999,"end":240.85999,"sentiment":"neutral","sentiment_score":-0.010512479580938816},{"text":"That's right.","start":243.015,"end":243.915,"sentiment":"neutral","sentiment_score":0.021828501485288143},{"text":"The daughter.","start":243.97499,"end":244.775,"sentiment":"neutral","sentiment_score":0.022145618684589863},{"text":"Correct.","start":244.775,"end":245.275,"sentiment":"neutral","sentiment_score":0.045769818127155304}],"sentiment":"neutral","sentiment_score":0.014013506339064665,"num_words":7,"start":240.2,"end":245.275},{"sentences":[{"text":"Recent.","start":245.415,"end":245.915,"sentiment":"neutral","sentiment_score":0.030896227806806564},{"text":"Yep.","start":247.09499,"end":247.415,"sentiment":"neutral","sentiment_score":0.10196607559919356},{"text":"So I'll add that on there.","start":247.415,"end":248.875,"sentiment":"neutral","sentiment_score":0.08408753387629986},{"text":"And then daughter, apologies for that.","start":249.25499,"end":251.275,"sentiment":"neutral","sentiment_score":-0.04405813850462437},{"text":"Independence.","start":252.775,"end":253.275,"sentiment":"neutral","sentiment_score":0.2076347768306732}],"sentiment":"neutral","sentiment_score":0.03871156349778175,"num_words":15,"start":245.415,"end":253.275},{"sentences":[{"text":"Absolutely.","start":255.59001,"end":256.09003,"sentiment":"positive","sentiment_score":0.559579610824585},{"text":"And I did manage to get that complimentary child cover in there as well, so I'll walk you through that in a second.","start":256.39,"end":262.57,"sentiment":"neutral","sentiment_score":0.3165837966877481},{"text":"There's a few little details, so we'll just take a few minutes to go through it together.","start":263.11002,"end":267.13,"sentiment":"neutral","sentiment_score":0.2054852431311327},{"text":"So if you go past there, page ten and eleven has your high growth risk profile.","start":267.555,"end":273.575,"sentiment":"neutral","sentiment_score":-0.0536408550105989},{"text":"No changes there.","start":273.95502,"end":274.915,"sentiment":"neutral","sentiment_score":-0.15321741004784903}],"sentiment":"neutral","sentiment_score":0.16693916929264863,"num_words":60,"start":255.59001,"end":274.915},{"sentences":[{"text":"We're just changing investment options rather than increasing or decreasing risk.","start":274.915,"end":279.575,"sentiment":"neutral","sentiment_score":-0.09558730741793459},{"text":"And if you go into strategy recommendations on twelve and thirteen, it's quite text heavy.","start":282.11002,"end":288.13,"sentiment":"neutral","sentiment_score":-0.06094115674495697},{"text":"Could be a blue title there.","start":288.43,"end":290.21,"sentiment":"neutral","sentiment_score":-0.007162351471682389},{"text":"Yep.","start":291.95,"end":292.35,"sentiment":"neutral","sentiment_score":0.17695513367652893},{"text":"So just to summarize, the best interest duty is how the recommendations achieve your goals and leave you in a better position.","start":292.35,"end":299.91498,"sentiment":"neutral","sentiment_score":0.23784595050595023}],"sentiment":"neutral","sentiment_score":0.06183662187646736,"num_words":55,"start":274.915,"end":299.91498},{"sentences":[{"text":"Basically, what we're doing is replacing the underperforming investment options, doing a bit of a rebalance.","start":300.375,"end":306.555,"sentiment":"neutral","sentiment_score":-0.062317116535268724},{"text":"It'll save on fees, better performance, but we're not doing a full retirement analysis because that's twenty eight years away.","start":306.775,"end":314.8,"sentiment":"neutral","sentiment_score":-0.14207041515037416},{"text":"We're just gonna do that usual ten year projection of the month.","start":314.86002,"end":318.0,"sentiment":"neutral","sentiment_score":-0.12837465231617293},{"text":"Cool.","start":319.82,"end":320.32,"sentiment":"neutral","sentiment_score":0.31213122606277466},{"text":"Next page, pros and cons of the super advice.","start":320.54,"end":323.6,"sentiment":"neutral","sentiment_score":0.013860000918308893}],"sentiment":"neutral","sentiment_score":-0.08520873725928109,"num_words":58,"start":300.375,"end":323.6},{"sentences":[{"text":"There's an advantages disadvantages table.","start":323.745,"end":328.945,"sentiment":"neutral","sentiment_score":-0.13050575628876687},{"text":"So we're basically going for some more, like, passive low fee investments at the moment and a bit of a change in style.","start":328.945,"end":335.60498,"sentiment":"neutral","sentiment_score":0.00842807182799215},{"text":"Most of them were originally, but just getting rid of that active one to put another ETF in.","start":336.24002,"end":341.06,"sentiment":"neutral","sentiment_score":-0.051552216004994184},{"text":"The downside of the ETF is you pay a bit of brokerage fee upfront to purchase them, which is at 0.11%.","start":341.2,"end":348.26,"sentiment":"neutral","sentiment_score":-0.1316298849525906},{"text":"We factor that into the figures, but then you've got the lowest fee investment going forward from that.","start":348.485,"end":353.865,"sentiment":"neutral","sentiment_score":0.0524295067621602}],"sentiment":"neutral","sentiment_score":-0.037730817409122694,"num_words":85,"start":323.745,"end":353.865},{"sentences":[{"text":"K?","start":355.925,"end":356.425,"sentiment":"neutral","sentiment_score":-0.016530554741621017},{"text":"We factored in a little bit of capital gains tax within the super because we've got you in a wrap platform.","start":356.565,"end":364.37,"sentiment":"neutral","sentiment_score":0.03613137542491868},{"text":"Normally, it's all baked in, but we've got control over what you buy and sell and how that impacts you with super tax under the hood.","start":364.91,"end":371.79,"sentiment":"neutral","sentiment_score":0.079167528794362},{"text":"So we just factor that in as well.","start":371.79,"end":373.81,"sentiment":"neutral","sentiment_score":0.08444788539782166},{"text":"Cool.","start":375.35498,"end":375.595,"sentiment":"positive","sentiment_score":0.5666685104370117}],"sentiment":"neutral","sentiment_score":0.07092694160446786,"num_words":57,"start":355.925,"end":375.595},{"sentences":[{"text":"So if you go down a couple more pages, there's a nice hefty table on pages fifteen and sixteen, which is the portfolio.","start":375.595,"end":381.85498,"sentiment":"positive","sentiment_score":0.3451622484818749},{"text":"So what this is basically doing, if you go it's actually probably easier bottom to top, and the second last column has target weight.","start":383.755,"end":392.32,"sentiment":"neutral","sentiment_score":0.24977842221657434},{"text":"And you can basically see the nice round figures in there, five, seven, 20 five, and so on.","start":392.38,"end":397.44,"sentiment":"neutral","sentiment_score":0.2376531275610129},{"text":"So we're mixing in a bit of gold in your portfolio to get you some alternatives.","start":398.54,"end":403.28003,"sentiment":"neutral","sentiment_score":0.1830986561253667},{"text":"The third last row, beta shares 200, that's the replacement for that Benelon option.","start":405.005,"end":410.86502,"sentiment":"neutral","sentiment_score":0.10374305290835244}],"sentiment":"neutral","sentiment_score":0.23782264613791515,"num_words":95,"start":375.595,"end":410.86502},{"sentences":[{"text":"So it probably goes from 90 basis points in the investment fee to 20, and performance basically double and triple over one, three, and five years.","start":411.245,"end":422.2,"sentiment":"neutral","sentiment_score":0.14419522050481576},{"text":"Everything else, I'm just getting out of a few of the old options that we used to use, couple of updates, mainly waiting you in international shares a bit heavier as well.","start":422.34,"end":432.68,"sentiment":"neutral","sentiment_score":0.013904958730563521},{"text":"Correct.","start":453.28,"end":453.78,"sentiment":"neutral","sentiment_score":0.10332785546779633},{"text":"So after that, if you go to asset allocation on 17, big colored pie chart there.","start":453.92,"end":459.62,"sentiment":"neutral","sentiment_score":0.0546195674687624},{"text":"So the main takeaway here, very middle row, there's a gray bar for growth total.","start":462.26498,"end":466.845,"sentiment":"neutral","sentiment_score":0.0628478800257047}],"sentiment":"neutral","sentiment_score":0.06793326164285342,"num_words":90,"start":411.245,"end":466.845},{"sentences":[{"text":"Basically, for high growth, you need about 90% growth assets.","start":467.06497,"end":470.76498,"sentiment":"neutral","sentiment_score":0.04526728019118309},{"text":"You were sitting just under it with the drops in Benelon.","start":470.985,"end":474.25,"sentiment":"neutral","sentiment_score":0.047863031991503456},{"text":"This will kind of bump you back up above 90%.","start":474.55,"end":477.37,"sentiment":"neutral","sentiment_score":0.15696518942713739},{"text":"Usually, the range for high growth is between 90 and a 100%.","start":477.50998,"end":480.72998,"sentiment":"neutral","sentiment_score":0.10441944499810536},{"text":"K?","start":483.83,"end":484.06998,"sentiment":"neutral","sentiment_score":0.013261061161756516}],"sentiment":"neutral","sentiment_score":0.08670710111883553,"num_words":44,"start":467.06497,"end":484.06998},{"sentences":[{"text":"Bit of alternatives is the only real change there.","start":484.06998,"end":486.81,"sentiment":"neutral","sentiment_score":-0.09911290307839711},{"text":"And if you go down the comparisons on the next page is the main one.","start":487.105,"end":491.285,"sentiment":"neutral","sentiment_score":0.05468047211567561},{"text":"So top right, 3 40 3 is the capital gains tax under the hood that we've taken out.","start":492.785,"end":498.885,"sentiment":"neutral","sentiment_score":0.03621787624433637},{"text":"Then you've got the investment fees dropped by $5.53.","start":499.12,"end":502.16,"sentiment":"neutral","sentiment_score":0.02757048441304101},{"text":"They're percentage based, but it's basically dropping it less than half from $8.40 to $2.87.","start":502.16,"end":509.3,"sentiment":"neutral","sentiment_score":0.01961873018493255}],"sentiment":"neutral","sentiment_score":0.017008000589681393,"num_words":66,"start":484.06998,"end":509.3},{"sentences":[{"text":"Insurance premiums, so I factored in the new income protection and TBD in there.","start":510.56,"end":514.935,"sentiment":"neutral","sentiment_score":0.03273079437868936},{"text":"So just as a quick reminder, we put an affordability flag as less than 30% of your contribution, and it came out to be about 13 and a half For the trauma cover, I'll walk you through that in a sec.","start":516.935,"end":532.23004,"sentiment":"neutral","sentiment_score":0.05058202065709161},{"text":"But for the 50 a month that we were thinking, it came out to be about 23.","start":532.23004,"end":536.01,"sentiment":"neutral","sentiment_score":0.1178526124533485},{"text":"So that turned out pretty good.","start":536.15,"end":537.85004,"sentiment":"positive","sentiment_score":0.4942241758108139},{"text":"Performance at the bottom of that table.","start":538.39,"end":540.07,"sentiment":"neutral","sentiment_score":0.2941038906574249}],"sentiment":"neutral","sentiment_score":0.1124665961107787,"num_words":85,"start":510.56,"end":540.07},{"sentences":[{"text":"So this is bringing your five year average back up into the double digits with that rebalance there, which is what we want 10% and above consistently.","start":540.07,"end":548.135,"sentiment":"neutral","sentiment_score":0.22302243693007362},{"text":"Cool.","start":550.51495,"end":551.01495,"sentiment":"neutral","sentiment_score":0.20372572541236875},{"text":"Again, take the projections with a grain of salt there because, obviously, everything changes yearly.","start":552.195,"end":557.095,"sentiment":"neutral","sentiment_score":0.04708292658130328},{"text":"But that fifty to two hundred is the expected outcome over five and ten years.","start":557.37994,"end":561.95996,"sentiment":"neutral","sentiment_score":0.07672541265686353},{"text":"But, again, even going from 3 to 400,000, good.","start":562.42,"end":565.72,"sentiment":"neutral","sentiment_score":0.1713949731654591}],"sentiment":"neutral","sentiment_score":0.14365688611322375,"num_words":67,"start":540.07,"end":565.72},{"sentences":[{"text":"The table after that, that just shows you short, medium, and long term performance comparison.","start":570.195,"end":575.495,"sentiment":"neutral","sentiment_score":0.15476855238278706},{"text":"So even though what you were in was still double digits long term over ten years, this just brings all time periods back up to where they should be.","start":575.795,"end":583.83,"sentiment":"neutral","sentiment_score":0.13886192903436465},{"text":"Cool.","start":585.75,"end":586.25,"sentiment":"neutral","sentiment_score":0.26016300916671753},{"text":"Any questions on the super so far?","start":587.43,"end":589.29004,"sentiment":"neutral","sentiment_score":0.0750482337815421},{"text":"Cool.","start":601.20496,"end":601.70496,"sentiment":"neutral","sentiment_score":0.19642111659049988}],"sentiment":"neutral","sentiment_score":0.1383103016974791,"num_words":53,"start":570.195,"end":601.70496},{"sentences":[{"text":"Next page here.","start":602.40497,"end":603.20496,"sentiment":"neutral","sentiment_score":0.09764760235945384},{"text":"So I'll just take a minute with this one.","start":603.20496,"end":605.14496,"sentiment":"neutral","sentiment_score":0.06345673277974129},{"text":"If you go to this is all the insurance tables.","start":605.20496,"end":607.70496,"sentiment":"neutral","sentiment_score":0.02960621751844883},{"text":"So that would be '20 and 21.","start":610.42,"end":614.92,"sentiment":"neutral","sentiment_score":0.03712620453110763},{"text":"It could say apply for life and trauma through a sender.","start":615.45996,"end":619.24,"sentiment":"neutral","sentiment_score":0.03747525455599481}],"sentiment":"neutral","sentiment_score":0.04580567022785544,"num_words":40,"start":602.40497,"end":619.24},{"sentences":[{"text":"So quick breakdown here is we compared all the other insurers.","start":619.7,"end":624.015,"sentiment":"neutral","sentiment_score":0.1254523308439688},{"text":"A a few of them came out looking really good in the software.","start":624.155,"end":627.29504,"sentiment":"positive","sentiment_score":0.5433626472949982},{"text":"But when we did some direct quoting, they didn't apply different discounts.","start":627.99506,"end":632.17505,"sentiment":"neutral","sentiment_score":-0.06106778047978878},{"text":"So Ascender, your current one came out really good.","start":632.955,"end":635.455,"sentiment":"positive","sentiment_score":0.521911644273334},{"text":"Still high feature score.","start":635.82,"end":637.66003,"sentiment":"positive","sentiment_score":0.5807332098484039}],"sentiment":"neutral","sentiment_score":0.3006329454329549,"num_words":49,"start":619.7,"end":637.66003},{"sentences":[{"text":"Premiums were pretty much best or second best.","start":637.66003,"end":640.08,"sentiment":"positive","sentiment_score":0.5760520994663239},{"text":"So I've opted to stay with them.","start":640.22003,"end":642.24,"sentiment":"positive","sentiment_score":0.3619874800954546},{"text":"Now this first table, it says to apply for a $100,000 of life and trauma cover.","start":643.82,"end":650.355,"sentiment":"neutral","sentiment_score":0.27614674158394337},{"text":"So what this basically does is if you get trauma insurance out of pocket by itself, it's actually more expensive than linking it to a life insurance policy.","start":652.83496,"end":662.45496,"sentiment":"neutral","sentiment_score":-0.05051083064505032},{"text":"So what we're doing is even though you've got that 1,300,000 of life insurance, if we add another life policy outside of pocket and link them together, it works out cheaper overall, and you get that extra $100 of life of a distinct tax.","start":664.25,"end":678.11,"sentiment":"neutral","sentiment_score":0.15271175009283153}],"sentiment":"neutral","sentiment_score":0.16374457056082567,"num_words":103,"start":637.66003,"end":678.11},{"sentences":[{"text":"Now on the right hand side, there's some features.","start":681.20496,"end":684.345,"sentiment":"neutral","sentiment_score":0.042755813234382205},{"text":"So this trauma one, this is the out of pocket one for heart attack, stroke, and cancer.","start":685.285,"end":689.545,"sentiment":"neutral","sentiment_score":0.02258034927003524},{"text":"I mentioned last time that if you go to plus range for a couple of bucks, it gives you another 37 conditions, which is like, you know, bacterial meningitis, organ failure, burns, deafness, all that kind of thing.","start":690.005,"end":704.02,"sentiment":"neutral","sentiment_score":0.04502665006408566},{"text":"Now I've added in I don't usually add features.","start":704.88,"end":708.115,"sentiment":"neutral","sentiment_score":-0.03474131723244985},{"text":"That's usually just an extra cost for you.","start":708.255,"end":710.575,"sentiment":"neutral","sentiment_score":-0.044628710485994816}],"sentiment":"neutral","sentiment_score":0.022345424940188725,"num_words":81,"start":681.20496,"end":710.575},{"sentences":[{"text":"But these ones, each feature was about a dollar 20 a month kind of thing.","start":710.575,"end":714.755,"sentiment":"neutral","sentiment_score":0.004136981318394343},{"text":"So from a reinstatement is basically you have a heart attack and get a $100,000, it will then reinstate the 100,000 back up rather than it being wiped out and kind of deleted.","start":715.375,"end":727.36,"sentiment":"neutral","sentiment_score":0.04658933745866472},{"text":"So that means you can then claim on cancer.","start":729.02,"end":731.12,"sentiment":"neutral","sentiment_score":0.07992777642276552},{"text":"You can then claim on the other conditions.","start":731.18,"end":733.02,"sentiment":"neutral","sentiment_score":0.07007587468251586},{"text":"So you can just repeatedly claim on different events.","start":733.02,"end":736.375,"sentiment":"neutral","sentiment_score":0.1401340646876229}],"sentiment":"neutral","sentiment_score":0.055954951667100995,"num_words":74,"start":710.575,"end":736.375},{"sentences":[{"text":"They've automatically got child support benefit added in.","start":738.355,"end":742.115,"sentiment":"neutral","sentiment_score":0.13889569696038961},{"text":"So $10,000 for all children automatically.","start":742.115,"end":744.855,"sentiment":"neutral","sentiment_score":0.18120674540599188},{"text":"The financial planning benefit, that's just inbuilt as well.","start":747.08997,"end":750.05,"sentiment":"neutral","sentiment_score":0.13203937746584415},{"text":"So if you have a claim, they will pay you a few grand to get advice.","start":750.05,"end":753.75,"sentiment":"neutral","sentiment_score":0.15107127698138356},{"text":"Complimentary and extra benefits option is for partial claims.","start":754.29,"end":759.75,"sentiment":"positive","sentiment_score":0.33803387814097935}],"sentiment":"neutral","sentiment_score":0.18429595375588784,"num_words":48,"start":738.355,"end":759.75},{"sentences":[{"text":"So that was about $2 a month.","start":760.185,"end":763.465,"sentiment":"neutral","sentiment_score":0.07206504845193454},{"text":"The main thing for this one, and I've seen it happen a lot is people get diagnosed with a certain cancer, but they have these rules about the skin cancer is gonna be so large or affecting so many organs before you can claim on it.","start":763.465,"end":777.63,"sentiment":"neutral","sentiment_score":-0.10285223550770593},{"text":"This kinda lets you do a broader range of claims and also got some fun little features like if you lose a eye handle foot, you can do a partial claim of, like, $2,050,000.","start":777.85004,"end":792.995,"sentiment":"neutral","sentiment_score":0.2735389227814534},{"text":"So this pretty much gives you the frankly enough, the sender's got the best spread of conditions for all the insurers.","start":795.535,"end":802.56,"sentiment":"positive","sentiment_score":0.4607591089748201},{"text":"So with the plus and the extras, that'll give you the most amount of things to claim on.","start":803.18,"end":809.5,"sentiment":"positive","sentiment_score":0.5273198982079824}],"sentiment":"neutral","sentiment_score":0.19239107409994755,"num_words":126,"start":760.185,"end":809.5},{"sentences":[{"text":"In their PDF is a huge table of all the things that you can claim on.","start":809.5,"end":813.435,"sentiment":"neutral","sentiment_score":0.3318335684016347},{"text":"K?","start":817.035,"end":817.355,"sentiment":"neutral","sentiment_score":0.12702959775924683},{"text":"So, again, that out of pocket cost, we were trying to get it under 50.","start":817.355,"end":821.215,"sentiment":"neutral","sentiment_score":0.1305711512764295},{"text":"So that's being $23.52.","start":821.355,"end":823.375,"sentiment":"neutral","sentiment_score":0.12326007336378098},{"text":"When I get an alteration quote back from a sender, they're also likely gonna apply a multi policy discount 10% to all of them.","start":823.675,"end":833.06,"sentiment":"neutral","sentiment_score":0.15100866121550402}],"sentiment":"neutral","sentiment_score":0.19186970206598442,"num_words":60,"start":809.5,"end":833.06},{"sentences":[{"text":"So this might be 21 a month or something like that.","start":833.19995,"end":836.74,"sentiment":"neutral","sentiment_score":0.0070170472291382876},{"text":"Correct.","start":840.39996,"end":840.89996,"sentiment":"neutral","sentiment_score":0.09935089200735092},{"text":"K.","start":844.515,"end":845.015,"sentiment":"neutral","sentiment_score":0.09356971085071564},{"text":"So I'll leave that one there.","start":845.155,"end":847.17505,"sentiment":"neutral","sentiment_score":0.1209460695584615},{"text":"There's no payments until you go through again.","start":848.755,"end":851.255,"sentiment":"neutral","sentiment_score":0.1071720328181982}],"sentiment":"neutral","sentiment_score":0.06863558526944231,"num_words":27,"start":833.19995,"end":851.255},{"sentences":[{"text":"Application gets approved, like, kind of thing and credit card bank details, whatever it is.","start":851.315,"end":856.375,"sentiment":"neutral","sentiment_score":0.17017197261253994},{"text":"The income protection turned out really good underneath that as well.","start":856.81,"end":860.17,"sentiment":"positive","sentiment_score":0.4696561667052182},{"text":"That's the next table.","start":860.17,"end":861.31,"sentiment":"neutral","sentiment_score":0.15524578467011452},{"text":"So do you remember how I was gonna kind of work back the price if it was expensive from age 65 benefit down to five years or two years?","start":863.69,"end":870.75,"sentiment":"neutral","sentiment_score":-0.020730926366201764},{"text":"It came out to after the rebate, 1,600 out of super, which again is quite low.","start":872.085,"end":876.965,"sentiment":"neutral","sentiment_score":-0.0677091347752139}],"sentiment":"neutral","sentiment_score":0.08873650054136913,"num_words":75,"start":851.315,"end":876.965},{"sentences":[{"text":"So I've just done this the standard, thirty days age 65.","start":876.965,"end":880.34503,"sentiment":"neutral","sentiment_score":-0.10597256232391704},{"text":"You're out of work for a month, there's ten and a half grand up until retirement.","start":880.405,"end":884.745,"sentiment":"neutral","sentiment_score":0.017624643282033503},{"text":"K?","start":888.1,"end":888.6,"sentiment":"neutral","sentiment_score":0.2534021735191345},{"text":"Now the alterations on the next page, if you kinda go left to right, it will show you here's the 1.3 that you've got and the CBD being topped up.","start":889.06,"end":899.0,"sentiment":"neutral","sentiment_score":0.10464692873259386},{"text":"Now the only caveat with this one is that alteration pricing is a little bit different than the quotes that we get.","start":899.265,"end":906.565,"sentiment":"neutral","sentiment_score":-0.14918347168713808}],"sentiment":"neutral","sentiment_score":-0.009661627933382988,"num_words":80,"start":876.965,"end":906.565},{"sentences":[{"text":"So when we go to apply for it, that jump from $7.17 out of super to $8.67, it might be $8.75 or $8.80 with the alteration pricing instead.","start":908.705,"end":921.56,"sentiment":"neutral","sentiment_score":-0.026990266350497092},{"text":"So I'm just giving you a warning that when the the final alteration quote comes through from them to apply for, it may be $10.20 bucks more out of super.","start":923.86,"end":932.745,"sentiment":"neutral","sentiment_score":-0.06919208727777004},{"text":"Cool.","start":935.125,"end":935.625,"sentiment":"neutral","sentiment_score":0.3129156231880188},{"text":"So main thing here, income protection and trauma get added, existing cover stays the same, and just increase the CPD.","start":935.765,"end":944.0,"sentiment":"neutral","sentiment_score":0.1575386829674244},{"text":"Cool.","start":947.5,"end":948.0,"sentiment":"positive","sentiment_score":0.3342732787132263}],"sentiment":"neutral","sentiment_score":0.012080906063783915,"num_words":80,"start":908.705,"end":948.0},{"sentences":[{"text":"Outside of that, the because we're doing that extra little life cover policy for the trauma discount, we'll just have to put a beneficiary nomination on that one just like your your other one.","start":949.02,"end":959.755,"sentiment":"neutral","sentiment_score":0.15426323694341323},{"text":"So, again, life cover you've been aimed to it's who it goes to.","start":961.815,"end":965.11505,"sentiment":"neutral","sentiment_score":0.06750355632259296},{"text":"Cool.","start":968.23,"end":968.73,"sentiment":"neutral","sentiment_score":0.10749607533216476},{"text":"Again, we're just using the reports from 2024 for the application.","start":969.35,"end":973.76996,"sentiment":"neutral","sentiment_score":0.0640688684176315},{"text":"And if there's been no health changes since then, should be all good.","start":974.38995,"end":978.585,"sentiment":"neutral","sentiment_score":0.07823300418945459}],"sentiment":"neutral","sentiment_score":0.11044137459248304,"num_words":72,"start":949.02,"end":978.585},{"sentences":[{"text":"If there's anything that pops up that we don't know about, there may be, you know, exclusions and things like that applied.","start":978.66504,"end":983.805,"sentiment":"neutral","sentiment_score":-0.07875454121015289},{"text":"Awesome.","start":987.305,"end":987.805,"sentiment":"positive","sentiment_score":0.5513951182365417},{"text":"Alrighty.","start":988.34503,"end":988.84503,"sentiment":"positive","sentiment_score":0.35109418630599976},{"text":"The rest of that section basically just goes over how we arrived at the figures together, which was just to cover that new income, increase the TPD to be in line with your life cover, and that $100 for the trauma for medical.","start":989.625,"end":1004.01,"sentiment":"neutral","sentiment_score":0.22270475189353145},{"text":"It also has a impact table, which basically shows here's what you're currently paying out of super.","start":1004.71,"end":1010.685,"sentiment":"neutral","sentiment_score":0.11741282527937609}],"sentiment":"neutral","sentiment_score":0.12788347332250505,"num_words":84,"start":978.66504,"end":1010.685},{"sentences":[{"text":"Here's the new one.","start":1010.825,"end":1011.945,"sentiment":"neutral","sentiment_score":0.06867765821516514},{"text":"If you have no insurances at all, what does that do through the super impact?","start":1011.945,"end":1016.765,"sentiment":"neutral","sentiment_score":-0.17007608289519946},{"text":"Now if you look at the bottom of page 23, it shows you, like, a ten year impact.","start":1017.945,"end":1023.565,"sentiment":"neutral","sentiment_score":0.0478085997617907},{"text":"Could have a little small table there.","start":1028.5801,"end":1030.5,"sentiment":"neutral","sentiment_score":0.10578507504292897},{"text":"So you're currently on track for that three sixteen.","start":1030.5,"end":1032.92,"sentiment":"neutral","sentiment_score":0.2108776801162296}],"sentiment":"neutral","sentiment_score":0.023066393047008873,"num_words":53,"start":1010.825,"end":1032.92},{"sentences":[{"text":"This factors in the super advice as well, but seven 18 is for the life and CPD.","start":1033.06,"end":1037.64,"sentiment":"neutral","sentiment_score":0.09734839529675596},{"text":"249O is all of the policies put together.","start":1038.0349,"end":1041.015,"sentiment":"neutral","sentiment_score":0.05410189600661397},{"text":"Get to 05:15 with the super recommendations as well.","start":1041.715,"end":1045.095,"sentiment":"neutral","sentiment_score":0.09280025338133176},{"text":"If you had no insurance, it'd be $5.54.","start":1045.1549,"end":1047.5549,"sentiment":"neutral","sentiment_score":-0.057664540596306324},{"text":"So that just shows you, like, if you pay premiums versus none, what that's actually doing to the super.","start":1047.5549,"end":1052.5349,"sentiment":"neutral","sentiment_score":-0.05818793844235571}],"sentiment":"neutral","sentiment_score":0.022230377268107213,"num_words":61,"start":1033.06,"end":1052.5349},{"sentences":[{"text":"K?","start":1055.12,"end":1055.62,"sentiment":"neutral","sentiment_score":-0.1219894140958786},{"text":"Advantage disadvantages from there, pretty much if you pay for a policy out of pocket, it's gonna impact the cash flow.","start":1056.4,"end":1062.58,"sentiment":"negative","sentiment_score":-0.501470474969773},{"text":"There'll be increased premiums in the super, and everything will be in line with your needs analysis, essentially.","start":1062.96,"end":1068.675,"sentiment":"neutral","sentiment_score":0.14819921518210322},{"text":"So last one I'll point out is just at the bottom of page 26.","start":1072.175,"end":1075.795,"sentiment":"neutral","sentiment_score":0.06066518037446907},{"text":"There's a bit of a colored logo table with all the different insurers we compared.","start":1076.175,"end":1080.515,"sentiment":"neutral","sentiment_score":0.08777016798655192}],"sentiment":"neutral","sentiment_score":-0.08433939811800593,"num_words":69,"start":1055.12,"end":1080.515},{"sentences":[{"text":"So I saw this and looked at the top five and went, okay.","start":1082.2799,"end":1085.48,"sentiment":"neutral","sentiment_score":0.1597622541280893},{"text":"There's four that are cheaper than a sender.","start":1085.48,"end":1087.6599,"sentiment":"neutral","sentiment_score":0.17604342196136713},{"text":"Only a couple that match it for features.","start":1088.2,"end":1089.96,"sentiment":"neutral","sentiment_score":0.0019153258763253689},{"text":"So I just went straight into quoting with you and everybody.","start":1089.96,"end":1092.7799,"sentiment":"neutral","sentiment_score":0.011649746955795721},{"text":"But then all of a sudden, the discount supply and the actual cover turned out to be basically the same in front.","start":1092.9199,"end":1098.215,"sentiment":"neutral","sentiment_score":-0.07530178722332824}],"sentiment":"neutral","sentiment_score":0.03180785780592311,"num_words":62,"start":1082.2799,"end":1098.215},{"sentences":[{"text":"So I've discounted those guys even though upfront they looked very good.","start":1098.215,"end":1102.715,"sentiment":"neutral","sentiment_score":0.044841649437633656},{"text":"Cool.","start":1105.415,"end":1105.915,"sentiment":"neutral","sentiment_score":0.32492440938949585},{"text":"The rest of that document's basically just beneficiary nomination for that extra life policy.","start":1106.295,"end":1110.475,"sentiment":"neutral","sentiment_score":0.22204103427273886},{"text":"For all insurances as well.","start":1111.3099,"end":1113.3099,"sentiment":"neutral","sentiment_score":0.1734440356492996},{"text":"If you could go down towards the at the bottom of the document, age 36 has a remuneration table.","start":1113.3099,"end":1121.8099,"sentiment":"neutral","sentiment_score":0.09114416100476917}],"sentiment":"neutral","sentiment_score":0.12883446901561876,"num_words":51,"start":1098.215,"end":1121.8099},{"sentences":[{"text":"Actually, two remuneration tables.","start":1124.925,"end":1126.605,"sentiment":"neutral","sentiment_score":0.05000370088964701},{"text":"So one's for upfront, one's for ongoing.","start":1126.605,"end":1128.785,"sentiment":"neutral","sentiment_score":0.0688187602375235},{"text":"So all insurers, whenever we set up a policy, they do pay us the first 66% of the premiums for the applications and everything, and then 22% ongoing to manage claims advice.","start":1131.005,"end":1142.92,"sentiment":"neutral","sentiment_score":0.06764263170771301},{"text":"So that's just been disclosed here as well.","start":1143.3,"end":1145.7201,"sentiment":"neutral","sentiment_score":0.0560547704808414},{"text":"There's no, again, differences where we save one insurer over the other and get kickbacks or anything, but that's just to cover the advice for the insurance.","start":1147.78,"end":1155.855,"sentiment":"neutral","sentiment_score":0.001733329767982165}],"sentiment":"neutral","sentiment_score":0.042840364198081,"num_words":78,"start":1124.925,"end":1155.855},{"sentences":[{"text":"Cool.","start":1158.795,"end":1159.295,"sentiment":"neutral","sentiment_score":0.1446433067321777},{"text":"In terms of implementation is the last bit on '38.","start":1159.435,"end":1162.975,"sentiment":"neutral","sentiment_score":0.05082115568220615},{"text":"It says how to implement our advice.","start":1164.395,"end":1166.395,"sentiment":"neutral","sentiment_score":0.07362374290823936},{"text":"Basically, if you consent on this advice document, we can then hop on the hub and switch the investments around.","start":1166.395,"end":1172.89,"sentiment":"neutral","sentiment_score":0.08294921573251486},{"text":"We'll book you in for a personal statement for the insurance policy, which we need about a week just to make sure that final quote comes through.","start":1173.1901,"end":1182.955,"sentiment":"neutral","sentiment_score":0.10704699117276403}],"sentiment":"neutral","sentiment_score":0.08796114061887447,"num_words":65,"start":1158.795,"end":1182.955},{"sentences":[{"text":"Once that's done, usually takes a couple of weeks to go in force unless there's any doctor's reports that I need.","start":1184.855,"end":1191.515,"sentiment":"neutral","sentiment_score":0.06977396165685994},{"text":"And then it's just a matter of sorting out the beneficiary nomination, which will include with the application.","start":1191.735,"end":1196.52,"sentiment":"neutral","sentiment_score":0.083908564514584},{"text":"And, again, we can't put in place a will for you.","start":1197.3,"end":1200.28,"sentiment":"neutral","sentiment_score":-0.02263929153030569},{"text":"Thank you, Dan.","start":1203.7,"end":1204.68,"sentiment":"positive","sentiment_score":0.4639829695224762},{"text":"But how are you liking the plan so far?","start":1204.9,"end":1207.48,"sentiment":"positive","sentiment_score":0.3763522340191735}],"sentiment":"neutral","sentiment_score":0.12105958328972902,"num_words":62,"start":1184.855,"end":1207.48},{"sentences":[{"text":"Yep.","start":1214.245,"end":1214.745,"sentiment":"neutral","sentiment_score":0.21852612495422363},{"text":"Yep.","start":1228.18,"end":1228.68,"sentiment":"neutral","sentiment_score":-0.049838077276945114},{"text":"Okay.","start":1234.835,"end":1235.335,"sentiment":"neutral","sentiment_score":-0.041319817304611206},{"text":"Easy done.","start":1236.675,"end":1237.3151,"sentiment":"neutral","sentiment_score":-0.10928601771593094},{"text":"So Perfect.","start":1237.3151,"end":1246.6901,"sentiment":"neutral","sentiment_score":-0.04263425897806883}],"sentiment":"neutral","sentiment_score":-0.025210331859333173,"num_words":7,"start":1214.245,"end":1246.6901},{"sentences":[{"text":"So what I'll do on that one, Daniel, is can you see there on the next page, page 39, where it's got the the two paragraphs there and a little bit of a sign section?","start":1246.6901,"end":1257.8301,"sentiment":"neutral","sentiment_score":0.04231390165431159},{"text":"So what I'm gonna do here, the first paragraph is you're okay to proceed with all recommendations.","start":1259.555,"end":1265.415,"sentiment":"neutral","sentiment_score":0.13739205940681345},{"text":"The second one is what you would like to vary.","start":1266.035,"end":1268.375,"sentiment":"neutral","sentiment_score":0.0438177416101098},{"text":"So I'm just gonna add a text box into here and resend it to you.","start":1268.435,"end":1272.12,"sentiment":"neutral","sentiment_score":0.09691534539063772},{"text":"And then if you can just type in there, you know, no trauma insurance or don't go ahead with trauma.","start":1272.12,"end":1278.78,"sentiment":"neutral","sentiment_score":0.03479457935318351}],"sentiment":"neutral","sentiment_score":0.06602526548289761,"num_words":97,"start":1246.6901,"end":1278.78},{"sentences":[{"text":"Once you sign that one, we can just keep that on file, and we don't have to apply for that one.","start":1279.32,"end":1283.82,"sentiment":"neutral","sentiment_score":0.07946850643271491},{"text":"Cool.","start":1287.175,"end":1287.575,"sentiment":"positive","sentiment_score":0.36849653720855713},{"text":"Alright.","start":1287.575,"end":1287.975,"sentiment":"positive","sentiment_score":0.365900456905365},{"text":"So I'll get that sorted straight away.","start":1287.975,"end":1289.755,"sentiment":"positive","sentiment_score":0.33409293634550913},{"text":"The once you go through this document, there'll be that service agreement to remain advisers on the super.","start":1290.455,"end":1295.995,"sentiment":"neutral","sentiment_score":0.15025540565450987}],"sentiment":"neutral","sentiment_score":0.1551350726125141,"num_words":48,"start":1279.32,"end":1295.995},{"sentences":[{"text":"So one thing I wanted to let you know there is same advice fees for managing the super as last year.","start":1296.31,"end":1305.05,"sentiment":"neutral","sentiment_score":0.11742387995833442},{"text":"One 0.65 capital 600,000.","start":1305.35,"end":1308.165,"sentiment":"neutral","sentiment_score":0.0491803465411067},{"text":"Next year though, we are bringing in a tiered fee structure.","start":1309.045,"end":1312.745,"sentiment":"neutral","sentiment_score":0.09731054306030273},{"text":"So anyone above 200,000, they're gonna start getting discounts applied to their percentage.","start":1313.045,"end":1318.265,"sentiment":"neutral","sentiment_score":0.09826882183551788},{"text":"Again, I can't do that now because we have to get, like, a new financial services guide and a few legal things updated.","start":1325.17,"end":1330.87,"sentiment":"neutral","sentiment_score":0.0006866785495177559}],"sentiment":"neutral","sentiment_score":0.0698100990201864,"num_words":72,"start":1296.31,"end":1330.87},{"sentences":[{"text":"But once all the new structures are in place, you're getting close to that 200 mark, so you'll get that pretty soon as well.","start":1331.01,"end":1342.165,"sentiment":"neutral","sentiment_score":0.10179720958694816},{"text":"Yeah.","start":1347.0701,"end":1347.31,"sentiment":"neutral","sentiment_score":0.14961180090904236},{"text":"Absolutely.","start":1347.31,"end":1347.81,"sentiment":"neutral","sentiment_score":0.18499153852462769},{"text":"So outside of that, mate, any other questions for me?","start":1348.5901,"end":1351.01,"sentiment":"neutral","sentiment_score":0.13377150893211365},{"text":"Fantastic.","start":1354.99,"end":1355.49,"sentiment":"positive","sentiment_score":0.47222691774368286}],"sentiment":"neutral","sentiment_score":0.1239913074752769,"num_words":37,"start":1331.01,"end":1355.49},{"sentences":[{"text":"So don't sign this one.","start":1355.63,"end":1357.39,"sentiment":"neutral","sentiment_score":-0.016875964892096817},{"text":"I'll quickly just amend that text box for you and resend it through.","start":1357.39,"end":1360.815,"sentiment":"neutral","sentiment_score":0.1397601248553166},{"text":"When you go through it, just click through.","start":1360.975,"end":1363.615,"sentiment":"neutral","sentiment_score":0.08290781080722809},{"text":"It'll bring you down to each section to sign.","start":1363.615,"end":1365.955,"sentiment":"neutral","sentiment_score":0.09335637858344449},{"text":"And then once you get to the documents that don't require a signature, which is the appendix and all the product documents for the providers, you can basically just click next document and it'll skip through unless you actually wanna scroll through all 2,000 page.","start":1366.0149,"end":1379.47,"sentiment":"neutral","sentiment_score":0.02883118773914046}],"sentiment":"neutral","sentiment_score":0.05666718925785972,"num_words":80,"start":1355.63,"end":1379.47},{"sentences":[{"text":"Yeah.","start":1386.7949,"end":1387.115,"sentiment":"neutral","sentiment_score":0.02413998544216156},{"text":"Leave that for us.","start":1387.115,"end":1387.915,"sentiment":"neutral","sentiment_score":0.054829783737659454},{"text":"We already did that, and that's how we come up with a recommendation.","start":1387.915,"end":1391.0549,"sentiment":"neutral","sentiment_score":0.18377069670420426},{"text":"So it's just there for your records.","start":1391.275,"end":1393.2949,"sentiment":"neutral","sentiment_score":0.15634599966662271},{"text":"Awesome, Daniel.","start":1396.715,"end":1397.595,"sentiment":"positive","sentiment_score":0.5388960242271423}],"sentiment":"neutral","sentiment_score":0.1779515638395592,"num_words":27,"start":1386.7949,"end":1397.595},{"sentences":[{"text":"Any questions for me before I let you go for the week?","start":1397.595,"end":1399.89,"sentiment":"neutral","sentiment_score":0.1945804258187612},{"text":"Fantastic.","start":1404.93,"end":1405.43,"sentiment":"positive","sentiment_score":0.7211313247680664},{"text":"Mate, I'm glad to get a few good outcomes there.","start":1405.73,"end":1408.55,"sentiment":"positive","sentiment_score":0.7876645565032959},{"text":"And if you have any questions, I'll basically line you up with Jack to go through the application.","start":1408.61,"end":1414.23,"sentiment":"neutral","sentiment_score":0.24862181395292282},{"text":"Like I said, I just need to leave a week for Ascender to get all the figures updated because we'll remove the trauma from the quote as well.","start":1415.325,"end":1422.945,"sentiment":"neutral","sentiment_score":0.10470822054360594}],"sentiment":"neutral","sentiment_score":0.26579369313043094,"num_words":69,"start":1397.595,"end":1422.945},{"sentences":[{"text":"Is there a good day or time from the week of the twentieth onwards.","start":1423.405,"end":1437.38,"sentiment":"neutral","sentiment_score":0.07225967198610306},{"text":"Perfect.","start":1448.6549,"end":1449.1549,"sentiment":"positive","sentiment_score":0.551164984703064},{"text":"We're pretty well sweet on Wednesday all the way through.","start":1449.615,"end":1452.6549,"sentiment":"positive","sentiment_score":0.44046626687049867},{"text":"I'll just quickly check the implementation team to see what they've got.","start":1452.6549,"end":1457.37,"sentiment":"neutral","sentiment_score":0.17106091355284056},{"text":"We've got pretty much a a late night available as well.","start":1460.9501,"end":1464.39,"sentiment":"neutral","sentiment_score":0.1777521398934451}],"sentiment":"neutral","sentiment_score":0.20782224088907242,"num_words":48,"start":1423.405,"end":1464.39},{"sentences":[{"text":"So anything from ten in the morning till about 05:30 in the evening, I can put in for you.","start":1464.39,"end":1477.9049,"sentiment":"neutral","sentiment_score":0.05953604904444594},{"text":"Yep.","start":1478.605,"end":1479.005,"sentiment":"neutral","sentiment_score":0.11279037594795228},{"text":"Things are done.","start":1479.005,"end":1479.9049,"sentiment":"neutral","sentiment_score":0.1291302094856898},{"text":"I'll put in to ten.","start":1480.125,"end":1481.1849,"sentiment":"neutral","sentiment_score":0.07935253977775573},{"text":"We usually leave, like, a full hour just blocked out for it.","start":1481.4049,"end":1484.13,"sentiment":"neutral","sentiment_score":0.04867756040766835}],"sentiment":"neutral","sentiment_score":0.06530648400075734,"num_words":40,"start":1464.39,"end":1484.13},{"sentences":[{"text":"They don't normally take more than half an hour anyway, but just as a bit of a heads up.","start":1484.13,"end":1488.79,"sentiment":"neutral","sentiment_score":-0.002979734226277},{"text":"I don't think you had that much in the way of, you know, medical conditions to go through all the extra questions on, but you know what?","start":1489.0901,"end":1494.53,"sentiment":"neutral","sentiment_score":-0.12889830547350425},{"text":"Insurers are likely to tick yes to one thing.","start":1494.53,"end":1496.53,"sentiment":"neutral","sentiment_score":-0.05712542641494009},{"text":"They open up the next 10 questions for it.","start":1496.53,"end":1499.145,"sentiment":"neutral","sentiment_score":0.09159501890341441},{"text":"So just allow a bit of time.","start":1499.225,"end":1503.555,"sentiment":"neutral","sentiment_score":0.0512477486793484}],"sentiment":"neutral","sentiment_score":-0.040393079224396757,"num_words":71,"start":1484.13,"end":1503.555},{"sentences":[{"text":"Yeah.","start":1503.555,"end":1504.055,"sentiment":"neutral","sentiment_score":0.06758275628089905},{"text":"Correct.","start":1513.0901,"end":1513.5901,"sentiment":"neutral","sentiment_score":0.20998479425907135},{"text":"Personal statement for sender.","start":1516.13,"end":1518.7101,"sentiment":"neutral","sentiment_score":0.18540961854159832},{"text":"And it will likely be Jack who's calling you for that.","start":1518.8501,"end":1521.91,"sentiment":"neutral","sentiment_score":0.18725910715081476},{"text":"Awesome, Daniel, mate.","start":1524.93,"end":1525.7301,"sentiment":"positive","sentiment_score":0.7375438809394836}],"sentiment":"neutral","sentiment_score":0.26458439230918884,"num_words":20,"start":1503.555,"end":1525.7301},{"sentences":[{"text":"Thank you so much for your time.","start":1525.7301,"end":1527.0901,"sentiment":"positive","sentiment_score":0.8248225280216762},{"text":"Really appreciate it.","start":1527.0901,"end":1528.275,"sentiment":"positive","sentiment_score":0.7823884685834249},{"text":"I will resend that email to you in a few minutes, and next time we speak to you will be on the twenty second.","start":1528.355,"end":1534.935,"sentiment":"neutral","sentiment_score":0.30904111204047996},{"text":"Mate, no worries.","start":1538.7909,"end":1539.5109,"sentiment":"positive","sentiment_score":0.3702917496363322},{"text":"Anytime at all.","start":1539.5109,"end":1540.2709,"sentiment":"neutral","sentiment_score":0.31971826155980426}],"sentiment":"positive","sentiment_score":0.44019849561154845,"num_words":40,"start":1525.7301,"end":1540.2709},{"sentences":[{"text":"I'll talk to you, sir.","start":1540.2709,"end":1541.2909,"sentiment":"positive","sentiment_score":0.36208022832870485},{"text":"Thank you.","start":1543.2709,"end":1543.6709,"sentiment":"positive","sentiment_score":0.599149227142334},{"text":"Bye.","start":1543.6709,"end":1544.1709,"sentiment":"neutral","sentiment_score":-0.11265390366315842}],"sentiment":"positive","sentiment_score":0.3620057115331292,"num_words":8,"start":1540.2709,"end":1544.1709}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Hey. Good, Tommy. How's things? Yeah. Not too bad. Yeah. No. Big big cold myself. Actually, it's freezing down here. It was about three degrees when I left the house this morning. So yeah. It was. It's been been very icy, actually. Oh, very nice. Yeah. Great. Yeah. I do. Mhmm. Yeah. Sure. Just give me two seconds. Sorry. Just stepping into a meeting room. Yeah. Date of birth is 03/08/1987, and my address is 20 Phillips Street in Coburg. Yep. Yep. Great. Good. Inside the oh, so I gotta click on the sign document button. Here we go. Okay. Yep. Alright. I can see that. I can. Yep. I can see that. Mhmm. Mhmm. Yep. Yes. Mhmm. Sure. Yes. Yep. Yep. No problems. It's all good. Mhmm. Yep. That's right. So one thing that does probably need to change is dependent. So I have another dependent. Yeah. Correct. That's all good. It's pretty new. So yeah. Yeah. Great. Sure. Mhmm. Yep. Yes. Yeah. I can see that. Mhmm. Yep. No. Yeah. Yep. That's fine. Yeah. I can see that. Yep. Mhmm. Yep. Sure. Yep. Yeah. Sure. Yep. Mhmm. Yep. Yep. Mhmm. Yeah. Okay. So I can see here that you're selling off some of the battery tech, agri shares, sub security. Oh, no. Not that much for that. The Asian iShares. Okay. So you're selling all the holdings there, and then you're putting them into, yep, the ones at the bottom. Alright. That makes sense. Yep. Mhmm. Mhmm. Yep. Yep. Okay. Yep. Mhmm. Yep. Yep. Yep. Yeah. We did. Okay. Mhmm. Yep. Yeah. Exactly. No. That's good. Yeah. Of course. Yeah. Sure. Yep. Yep. Great. No. That's good. No. I think the current recommended high growth. Yeah. No. That's all fine. Mhmm. Okay. Yep. Whereabouts is that? That's Yep. Sure. Mhmm. Yep. Yep. Great. Mhmm. Okay. Yep. Yeah. Right. Okay. Mhmm. Yep. Yep. Mhmm. Yep. Yep. K. Yeah. Mhmm. Yep. Mhmm. Yep. Mhmm. Okay. Right. Yeah. Cool. Okay. Mhmm. Okay. And this is an out of pocket cost, isn't it? Yep. Alright. Mhmm. Yep. Yep. Mhmm. Yep. Yeah. Great. Mhmm. Yep. Okay. Mhmm. Right. Okay. Yep. Alright. Yeah. Great. No. That's good. Yep. Sure. Yeah. Yeah. Yeah. No. I understand. Mhmm. Yeah. There's been no changes, so that shouldn't be a problem. Mhmm. Yep. Three bottom of page 23. Yep. Yeah. I can see that. Yeah. Mhmm. Mhmm. Yep. Mhmm. Yep. Okay. Yep. Mhmm. Mhmm. Mhmm. Yeah. Yeah. I understand. Yep. That's fine. Yep. Mhmm. Yep. Yeah. Fair enough. Mhmm. Yep. No. Understood. That's fine. Yep. Mhmm. Yep. Mhmm. Yep. No. No. Of course. I need to get that sorted anyway. Yeah. Look. It looks good. I'm I'm happy with the investments changing changes within the super. I think that's a good plan. In terms of the insurances, yeah, look. I'm keen keen to increase keep life where where it's at, increase TPD, and pick up income protection. I think in terms of trauma, I'm not sure I'll take that up right now. So I might not, yeah, I might not pick that one up, but, yeah, the income protection and TPD increase, I'm I'm keen to pick up. Yes. Mhmm. Mhmm. Yeah. Great. No. That sounds good. Mhmm. Okay. Right. Okay. So alright. Okay. That's good to know. Yeah. That's it. It's not not gonna apply just yet, but hopefully soon. No. No. That's that's everything. That was really good. Thank you. Yeah. I think I want I'll take apart from the 2,000 page review, but, yeah, no. I'll skip out those. Yeah. Great. No. No. I think that's all pretty thorough. Let's see. Twentieth. Generally, Wednesdays are the best day, but, look, I'm pretty free free and open at the moment. So, yeah, whatever whatever time we can whatever time suits. Yeah. Yeah. Look. If you're happy to do it first thing, let's do it ten in the morning. No. Exactly. Yep. That's fine. Alright. I'll put, yeah, I'll put something in my calendar for that. So that's 10:00 on Wednesday, the twenty second. Cool. Yeah. No problems. Yeah. Great. No worries. Thanks very much, Tony. Alright. See you. 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Yeah. Hey. Good, Tommy. How's things?\n\nYeah. Not too bad. Yeah. No. Big big cold myself.\n\nActually, it's freezing down here. It was about three degrees when I left the house this morning. So yeah. It was. It's been been very icy, actually.\n\nOh, very nice. Yeah. Great. Yeah. I do.\n\nMhmm. Yeah. Sure. Just give me two seconds. Sorry.\n\nJust stepping into a meeting room. Yeah. Date of birth is 03/08/1987, and my address is 20 Phillips Street in Coburg. Yep. Yep.\n\nGreat. Good. Inside the oh, so I gotta click on the sign document button. Here we go. Okay.\n\nYep. Alright. I can see that. I can. Yep.\n\nI can see that. Mhmm. Mhmm. Yep. Yes.\n\nMhmm. Sure. Yes. Yep. Yep.\n\nNo problems. It's all good. Mhmm. Yep. That's right.\n\nSo one thing that does probably need to change is dependent. So I have another dependent. Yeah. Correct. That's all good.\n\nIt's pretty new. So yeah. Yeah. Great. Sure.\n\nMhmm. Yep. Yes. Yeah. I can see that.\n\nMhmm. Yep. No. Yeah. Yep.\n\nThat's fine. Yeah. I can see that. Yep. Mhmm.\n\nYep. Sure. Yep. Yeah. Sure.\n\nYep. Mhmm. Yep. Yep. Mhmm.\n\nYeah. Okay. So I can see here that you're selling off some of the battery tech, agri shares, sub security. Oh, no. Not that much for that.\n\nThe Asian iShares. Okay. So you're selling all the holdings there, and then you're putting them into, yep, the ones at the bottom. Alright. That makes sense.\n\nYep. Mhmm. Mhmm. Yep. Yep.\n\nOkay. Yep. Mhmm. Yep. Yep.\n\nYep. Yeah. We did. Okay. Mhmm.\n\nYep. Yeah. Exactly. No. That's good.\n\nYeah. Of course. Yeah. Sure. Yep.\n\nYep. Great. No. That's good. No.\n\nI think the current recommended high growth. Yeah. No. That's all fine. Mhmm.\n\nOkay. Yep. Whereabouts is that? That's Yep. Sure.\n\nMhmm. Yep. Yep. Great. Mhmm.\n\nOkay. Yep. Yeah. Right. Okay.\n\nMhmm. Yep. Yep. Mhmm. Yep.\n\nYep. K. Yeah. Mhmm. Yep.\n\nMhmm. Yep. Mhmm. Okay. Right.\n\nYeah. Cool. Okay. Mhmm. Okay.\n\nAnd this is an out of pocket cost, isn't it? Yep. Alright. Mhmm. Yep.\n\nYep. Mhmm. Yep. Yeah. Great.\n\nMhmm. Yep. Okay. Mhmm. Right.\n\nOkay. Yep. Alright. Yeah. Great.\n\nNo. That's good. Yep. Sure. Yeah.\n\nYeah. Yeah. No. I understand. Mhmm.\n\nYeah. There's been no changes, so that shouldn't be a problem. Mhmm. Yep. Three bottom of page 23.\n\nYep. Yeah. I can see that. Yeah. Mhmm.\n\nMhmm. Yep. Mhmm. Yep. Okay.\n\nYep. Mhmm. Mhmm. Mhmm. Yeah.\n\nYeah. I understand. Yep. That's fine. Yep.\n\nMhmm. Yep. Yeah. Fair enough. Mhmm.\n\nYep. No. Understood. That's fine. Yep.\n\nMhmm. Yep. Mhmm. Yep. No.\n\nNo. Of course. I need to get that sorted anyway. Yeah. Look.\n\nIt looks good. I'm I'm happy with the investments changing changes within the super. I think that's a good plan. In terms of the insurances, yeah, look. I'm keen keen to increase keep life where where it's at, increase TPD, and pick up income protection.\n\nI think in terms of trauma, I'm not sure I'll take that up right now. So I might not, yeah, I might not pick that one up, but, yeah, the income protection and TPD increase, I'm I'm keen to pick up. Yes. Mhmm. Mhmm.\n\nYeah. Great. No. That sounds good. Mhmm.\n\nOkay. Right. Okay. So alright. Okay.\n\nThat's good to know. Yeah. That's it. It's not not gonna apply just yet, but hopefully soon. No.\n\nNo. That's that's everything. That was really good. Thank you. Yeah.\n\nI think I want I'll take apart from the 2,000 page review, but, yeah, no. I'll skip out those. Yeah. Great. No.\n\nNo. I think that's all pretty thorough. Let's see. Twentieth. Generally, Wednesdays are the best day, but, look, I'm pretty free free and open at the moment.\n\nSo, yeah, whatever whatever time we can whatever time suits. Yeah. Yeah. Look. If you're happy to do it first thing, let's do it ten in the morning.\n\nNo. Exactly. Yep. That's fine. Alright.\n\nI'll put, yeah, I'll put something in my calendar for that. So that's 10:00 on Wednesday, the twenty second. Cool. Yeah. No problems.\n\nYeah. Great. No worries. Thanks very much, Tony. Alright.\n\nSee you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.03942320495843887},{"text":"Yeah.","start":7.2,"end":7.44,"sentiment":"neutral","sentiment_score":0.09407369792461397},{"text":"Hey.","start":7.44,"end":7.6,"sentiment":"neutral","sentiment_score":0.15627512335777283},{"text":"Good, Tommy.","start":7.6,"end":8.16,"sentiment":"positive","sentiment_score":0.36461324989795685},{"text":"How's things?","start":8.16,"end":8.9,"sentiment":"neutral","sentiment_score":0.23074739426374435}],"sentiment":"neutral","sentiment_score":0.21149904493774688,"num_words":7,"start":1.1999999,"end":8.9},{"sentences":[{"text":"Yeah.","start":16.575,"end":16.975,"sentiment":"neutral","sentiment_score":0.006667638197541237},{"text":"Not too 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It's Tommy here, senior adviser. I wrote to you, mate. How are you doing?\n\nChannel 1: Yeah. Hey. Good, Tommy. How's things?\n\nChannel 0: Mate, things are going sensational. It's freezing in these old Queenslander homes even though the sun's out. What about your end?\n\nChannel 1: Yeah. Not too bad. Yeah. No. Big big cold myself.\n\nActually, it's freezing down here. It was about three degrees when I left the house this morning. So\n\nChannel 0: No way.\n\nChannel 1: yeah. It was. It's been been very icy, actually.\n\nChannel 0: Oh, mate. I'm definitely looking forward to a fire tonight. That'd be on fire. And\n\nChannel 1: Oh, very nice.\n\nChannel 0: I have an updated plan to send through to you, sir. It's quite excited to go through it with you.\n\nChannel 1: Yeah.\n\nChannel 0: Do you\n\nChannel 1: Great.\n\nChannel 0: have a few minutes to jump on the emails with me today?\n\nChannel 1: Yeah. I do.\n\nChannel 0: Perfect. I'm gonna pop that through to you now just so it's got a minute to go through. Are\n\nChannel 1: Mhmm.\n\nChannel 0: you okay to just confirm date of birth and address for security?\n\nChannel 1: Yeah. Sure. Just give me two seconds.\n\nChannel 0: No worries.\n\nChannel 1: Sorry. Just stepping into a meeting room. Yeah. Date of birth is 03/08/1987,\n\nChannel 0: Yep.\n\nChannel 1: and my address is 20 Phillips Street in Coburg.\n\nChannel 0: Sensational. Thanks for that. Now I've just popped that through to your Gmail, and I'm just gonna run through. So there's a bit of a pack there because with the updated advice document, I've included all of the product provider, PDSs, which\n\nChannel 1: Yep.\n\nChannel 0: is about four of them or about two and a half thousand pages. So So I'll just put them at the end for you. And we just added some research appendix, a bit of\n\nChannel 1: Yep.\n\nChannel 0: a service agreement there. And, mate, we've had nothing but wins for your plan at the moment.\n\nChannel 1: Great.\n\nChannel 0: Usually, insurances isn't my favorite thing, but when you get a bit of a win, I\n\nChannel 1: Good.\n\nChannel 0: quite like it. And portfolio is looking good too. So when you get that one up, mate, just let me know when you can see inside the sign here button. It'll bring up all the documents to scroll through with me. And the first\n\nChannel 1: Inside\n\nChannel 0: one\n\nChannel 1: the\n\nChannel 0: should\n\nChannel 1: oh, so\n\nChannel 0: have\n\nChannel 1: I gotta click on the sign document button.\n\nChannel 0: yeah. It's not gonna sign anything. It just brings them up to peruse first. So\n\nChannel 1: Here\n\nChannel 0: we'll\n\nChannel 1: we\n\nChannel 0: just\n\nChannel 1: go.\n\nChannel 0: have\n\nChannel 1: Okay.\n\nChannel 0: a scroll through.\n\nChannel 1: Yep. Alright.\n\nChannel 0: Cool.\n\nChannel 1: I can\n\nChannel 0: So\n\nChannel 1: see\n\nChannel 0: you can\n\nChannel 1: that.\n\nChannel 0: see the beachfront Gold Coast picture there?\n\nChannel 1: I can.\n\nChannel 0: Amazing. Alright. Can you pop through to page four for me? It's got a scope of advice.\n\nChannel 1: Yep. I can see that.\n\nChannel 0: Cool. So this basically just covers what advice is in the document versus what we're not giving advice on today. Main\n\nChannel 1: Mhmm.\n\nChannel 0: thing is bit of a review of the portfolio that we discussed last time, just getting that underperforming option sorted for you\n\nChannel 1: Mhmm.\n\nChannel 0: and topping up the TBD for the insurance, looking at the income protection, and we did have a bit of a chat about the trauma cover as well.\n\nChannel 1: Yep.\n\nChannel 0: And just outside of that, we're just doing the usual reminders for estate planning on the next page about wills and powers of attorney.\n\nChannel 1: Yes.\n\nChannel 0: And there's a little amendment I wanna make to the life insurance, which\n\nChannel 1: Mhmm.\n\nChannel 0: I'll walk you through in a sec.\n\nChannel 1: Sure.\n\nChannel 0: And on the area that we're not giving advice on after that is basically budgeting, debt management. You're obviously sorting out your own renovations,\n\nChannel 1: Yes.\n\nChannel 0: paying out\n\nChannel 1: Yep.\n\nChannel 0: a mortgage, and so on. So we're just focusing on the super insurance\n\nChannel 1: Yep. No problems.\n\nChannel 0: today.\n\nChannel 1: It's\n\nChannel 0: Cool.\n\nChannel 1: all\n\nChannel 0: If you go through past there, we've got limited advice warning.\n\nChannel 1: good.\n\nChannel 0: Again, areas that are not being addressed. It's not everything.\n\nChannel 1: Mhmm.\n\nChannel 0: We've got your details on the next two pages. So, again, phone number, email address, lead mechanical engineer, we have your 180 at the moment from\n\nChannel 1: Yep.\n\nChannel 0: the update. And primary place of residence, two cars, and a zero balance credit card for the assets and liabilities.\n\nChannel 1: That's right. So one thing that does probably need to change is dependent. So\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: have another dependent.\n\nChannel 0: That's right. The daughter. Correct. Recent.\n\nChannel 1: Yeah. Correct.\n\nChannel 0: Yep. So I'll add that on there. And then daughter, apologies for that.\n\nChannel 1: That's all good.\n\nChannel 0: Independence.\n\nChannel 1: It's pretty new. So yeah.\n\nChannel 0: Absolutely. And I did manage to get that complimentary child cover in there as well, so I'll walk\n\nChannel 1: Yeah.\n\nChannel 0: you through that\n\nChannel 1: Great.\n\nChannel 0: in a second. There's a few little details, so we'll just take a few minutes to go through it together.\n\nChannel 1: Sure.\n\nChannel 0: So if you go past there, page ten and eleven has your high growth risk profile. No changes there. We're just changing investment options rather\n\nChannel 1: Mhmm.\n\nChannel 0: than increasing or decreasing risk. And if you go\n\nChannel 1: Yep.\n\nChannel 0: into strategy recommendations on twelve and thirteen, it's quite text heavy. Could be a blue title there.\n\nChannel 1: Yes. Yeah. I can see that.\n\nChannel 0: Yep. So just to summarize, the best interest duty is how the recommendations achieve your goals and leave you in\n\nChannel 1: Mhmm.\n\nChannel 0: a better position.\n\nChannel 1: Yep.\n\nChannel 0: Basically, what we're doing is replacing the underperforming investment options, doing a bit of a rebalance. It'll save on fees, better performance, but we're not doing a full retirement analysis because that's twenty eight years away. We're just\n\nChannel 1: No.\n\nChannel 0: gonna\n\nChannel 1: Yeah.\n\nChannel 0: do that usual ten year projection of the month.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Cool. Next page, pros and cons of the super advice. There's an advantages disadvantages\n\nChannel 1: Yeah. I can see that.\n\nChannel 0: table. So we're basically going for some more, like, passive low fee investments at the moment and a bit of a change in style. Most of them were originally, but just getting rid of that active one to put another ETF in. The\n\nChannel 1: Yep.\n\nChannel 0: downside of the ETF is you pay a bit of brokerage fee upfront to purchase them, which is at\n\nChannel 1: Mhmm.\n\nChannel 0: 0.11%. We factor that into the figures, but then you've got the lowest fee investment going forward from that.\n\nChannel 1: Yep. Sure.\n\nChannel 0: K? We factored in a little bit of capital gains tax within the super because we've got you in a wrap platform.\n\nChannel 1: Yep.\n\nChannel 0: Normally, it's all baked in, but we've got control over what you buy and sell and how that impacts you with super tax under the hood. So we just factor that in as well.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Cool. So if you go down a couple more pages, there's a nice hefty table on pages fifteen and sixteen, which is the portfolio.\n\nChannel 1: Yep.\n\nChannel 0: So what this is basically doing, if you go it's actually probably easier bottom to top, and the second last column has target weight. And you can basically see the nice round figures in there, five, seven, 20\n\nChannel 1: Mhmm.\n\nChannel 0: five, and so on.\n\nChannel 1: Yep.\n\nChannel 0: So we're mixing in a bit of gold in your portfolio to get you some alternatives. The third last row, beta shares 200, that's the replacement for that Benelon option.\n\nChannel 1: Yep.\n\nChannel 0: So it probably goes from 90 basis points in the investment fee to 20, and\n\nChannel 1: Mhmm.\n\nChannel 0: performance basically double and triple over one, three, and five years. Everything else, I'm just getting out of a few of the old options that we used to use, couple of updates, mainly waiting you in international shares a bit heavier as well.\n\nChannel 1: Yeah. Okay. So I can see here that you're selling off some of the battery tech, agri shares, sub security. Oh, no. Not that much for that.\n\nThe Asian iShares. Okay. So you're selling all the holdings there, and then you're putting them into, yep, the ones at the bottom. Alright. That makes sense.\n\nChannel 0: Correct. So after that, if you go to asset allocation on 17, big colored pie chart there.\n\nChannel 1: Yep.\n\nChannel 0: So the main takeaway here, very middle row, there's a gray bar for growth total. Basically, for high growth, you need about 90% growth assets. You were sitting just under it with the drops\n\nChannel 1: Mhmm.\n\nChannel 0: in Benelon. This\n\nChannel 1: Mhmm.\n\nChannel 0: will kind of bump you back up above 90%. Usually,\n\nChannel 1: Yep.\n\nChannel 0: the range for high growth is between 90 and a 100%.\n\nChannel 1: Yep. Okay.\n\nChannel 0: K? Bit of alternatives is the only real change there. And if you go down the comparisons on the next page is the main one.\n\nChannel 1: Yep.\n\nChannel 0: So top right, 3 40 3 is the capital gains tax under the hood\n\nChannel 1: Mhmm.\n\nChannel 0: that we've taken out. Then you've got the investment fees dropped by $5.53. They're percentage based, but it's basically dropping it less than\n\nChannel 1: Yep.\n\nChannel 0: half from $8.40 to $2.87. Insurance premiums, so I factored in the new income protection and TBD in there.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: just as a quick reminder, we put an affordability flag as less than 30% of your contribution, and\n\nChannel 1: Yeah.\n\nChannel 0: it came\n\nChannel 1: We\n\nChannel 0: out\n\nChannel 1: did.\n\nChannel 0: to be about 13 and a half\n\nChannel 1: Okay.\n\nChannel 0: For the trauma cover, I'll walk you through that in a sec. But for the 50 a month that we were thinking, it came out to be about 23. So that turned out pretty good. Performance at the bottom of that table. So this is bringing your five year average back up into\n\nChannel 1: Mhmm.\n\nChannel 0: the double digits\n\nChannel 1: Yep.\n\nChannel 0: with that rebalance there, which is what we want 10% and above consistently.\n\nChannel 1: Yeah. Exactly. No. That's good.\n\nChannel 0: Cool. Again, take the projections with a grain of salt there because, obviously, everything changes\n\nChannel 1: Yeah.\n\nChannel 0: yearly.\n\nChannel 1: Of\n\nChannel 0: But that\n\nChannel 1: course.\n\nChannel 0: fifty to two hundred is the expected outcome over five and ten years. But, again, even going from 3 to 400,000, good.\n\nChannel 1: Yeah. Sure. Yep.\n\nChannel 0: The table after that, that just shows you short, medium, and long term performance comparison. So even though what you were in was still double digits long term over ten years, this just brings all time periods back up to where they should be.\n\nChannel 1: Yep. Great.\n\nChannel 0: Cool.\n\nChannel 1: No. That's good.\n\nChannel 0: Any questions on the super so far?\n\nChannel 1: No. I think the current recommended high growth. Yeah. No. That's all fine.\n\nChannel 0: Cool. Next page here. So I'll just take a minute with this one. If you\n\nChannel 1: Mhmm.\n\nChannel 0: go to this is all the insurance tables.\n\nChannel 1: Okay. Yep. Whereabouts is\n\nChannel 0: So\n\nChannel 1: that? That's\n\nChannel 0: that would be '20 and 21. It could say apply\n\nChannel 1: Yep.\n\nChannel 0: for life and trauma\n\nChannel 1: Sure.\n\nChannel 0: through a sender. So quick breakdown here is we compared all the other insurers. A a few of them came out looking really good in the software.\n\nChannel 1: Mhmm.\n\nChannel 0: But when we did some direct quoting, they didn't apply different discounts.\n\nChannel 1: Yep.\n\nChannel 0: So Ascender, your current one came out really good. Still high feature score. Premiums were pretty much best or second best. So\n\nChannel 1: Yep.\n\nChannel 0: I've opted to stay with them. Now\n\nChannel 1: Great.\n\nChannel 0: this first table, it says to apply for a $100,000 of life and trauma cover.\n\nChannel 1: Mhmm.\n\nChannel 0: So what this basically does is if you get trauma insurance out of pocket by itself, it's actually more expensive than linking it to a life insurance policy.\n\nChannel 1: Okay.\n\nChannel 0: So what we're doing is even though you've got that 1,300,000 of life insurance, if we add another life policy outside of pocket and link them together, it works out cheaper overall, and you get that extra $100 of life of a distinct tax.\n\nChannel 1: Yep. Yeah. Right. Okay.\n\nChannel 0: Now on the right hand side, there's some features.\n\nChannel 1: Mhmm.\n\nChannel 0: So this trauma one, this is the out of pocket one for heart attack, stroke, and cancer. I\n\nChannel 1: Yep.\n\nChannel 0: mentioned last time that if you go to plus range for a couple of bucks, it gives you another 37 conditions, which is like, you know, bacterial meningitis, organ failure, burns, deafness, all that kind of thing. Now I've added in I don't usually add features. That's usually just an extra cost for\n\nChannel 1: Yep.\n\nChannel 0: you. But these\n\nChannel 1: Mhmm.\n\nChannel 0: ones, each feature was about a dollar 20 a month kind of thing.\n\nChannel 1: Yep.\n\nChannel 0: So from a reinstatement is basically you have a heart attack and get a $100,000, it will then reinstate the 100,000 back up rather than it being wiped out and kind of deleted.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: K.\n\nChannel 0: that means you can then claim on cancer. You can then claim on the\n\nChannel 1: Yeah.\n\nChannel 0: other conditions. So you can just repeatedly claim on different events. They've automatically got child support benefit added in. So $10,000 for all children automatically.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: The financial planning benefit, that's just inbuilt as well. So if you have a claim, they will pay you a few grand to get advice. Complimentary and extra benefits option is for partial claims. So that was about $2 a month. The main thing for this one, and I've seen it happen a lot is people get diagnosed with a certain cancer, but\n\nChannel 1: Mhmm.\n\nChannel 0: they have these rules about the skin cancer is gonna be so large or affecting so many organs before you can claim on it.\n\nChannel 1: Yep.\n\nChannel 0: This kinda lets you do a broader range of claims and also got some fun little features like if you lose a eye handle foot, you can\n\nChannel 1: Mhmm.\n\nChannel 0: do a partial claim of, like, $2,050,000.\n\nChannel 1: Okay. Right.\n\nChannel 0: So this pretty much gives you the frankly enough, the sender's got the best spread of conditions for all the insurers. So with the plus and the extras, that'll give you the most amount of things to claim on. In their PDF is a huge table of all the things that you can claim on.\n\nChannel 1: Yeah. Cool. Okay.\n\nChannel 0: K? So, again, that out of pocket cost, we were trying to get it under 50. So that's being $23.52. When I get an alteration quote back from a sender, they're also likely gonna apply a multi policy discount 10% to all of them.\n\nChannel 1: Mhmm.\n\nChannel 0: So this might be 21 a month or something like that.\n\nChannel 1: Okay. And this is an out of pocket cost, isn't it?\n\nChannel 0: Correct.\n\nChannel 1: Yep. Alright.\n\nChannel 0: K. So I'll leave that one there. There's no payments until you go through again. Application gets approved, like, kind of thing and credit card bank details, whatever it is.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: The income protection turned out really good underneath that as well. That's the next table. So do you remember how I was gonna kind of work back the price if it was expensive from age 65 benefit down to five years or two years?\n\nChannel 1: Yep.\n\nChannel 0: It came out to after the rebate, 1,600 out of super, which again\n\nChannel 1: Mhmm.\n\nChannel 0: is quite low. So I've just done this the standard, thirty days age 65. You're out of\n\nChannel 1: Yep.\n\nChannel 0: work for a month, there's ten and a half grand up until retirement.\n\nChannel 1: Yeah. Great.\n\nChannel 0: K? Now the alterations on the next page, if you kinda go left to right, it will show you here's the 1.3 that you've got and the CBD being topped up.\n\nChannel 1: Mhmm.\n\nChannel 0: Now\n\nChannel 1: Yep.\n\nChannel 0: the only caveat with this one is that alteration pricing is a little bit different than the quotes that we get.\n\nChannel 1: Okay.\n\nChannel 0: So when we go to apply for it, that jump from $7.17 out of super to $8.67, it\n\nChannel 1: Mhmm.\n\nChannel 0: might be $8.75 or $8.80 with the alteration pricing instead.\n\nChannel 1: Right. Okay.\n\nChannel 0: So I'm just giving you a warning that when the the final alteration quote comes through from them to apply for, it may be $10.20 bucks more out of super.\n\nChannel 1: Yep. Alright.\n\nChannel 0: Cool. So main thing here, income protection and trauma get added, existing cover stays the same, and just increase the CPD.\n\nChannel 1: Yeah. Great. No. That's good.\n\nChannel 0: Cool. Outside of that, the because we're doing that extra little life cover policy for the trauma discount, we'll just have to put a beneficiary nomination on that one just like your your other one.\n\nChannel 1: Yep. Sure.\n\nChannel 0: So, again, life cover you've been aimed to it's who it goes to.\n\nChannel 1: Yeah. Yeah. Yeah. No. I understand.\n\nChannel 0: Cool. Again, we're just using the reports from 2024 for the application.\n\nChannel 1: Mhmm.\n\nChannel 0: And if there's been no health changes since then, should be all good. If there's anything that pops up that we don't know about, there may be, you know, exclusions and things like that applied.\n\nChannel 1: Yeah. There's been no changes, so that shouldn't be a problem.\n\nChannel 0: Awesome. Alrighty. The rest of that section basically just goes over how we arrived at the figures together, which was\n\nChannel 1: Mhmm.\n\nChannel 0: just to cover that new income, increase the TPD to be in line with your life cover, and that $100 for the trauma for medical. It\n\nChannel 1: Yep.\n\nChannel 0: also has a impact table, which basically shows here's what you're currently paying out of super. Here's the new one. If you have no insurances at all, what does that do through the super impact? Now if you look at the bottom of page 23, it shows you, like, a ten year impact.\n\nChannel 1: Three bottom of page 23. Yep. Yeah. I\n\nChannel 0: Could\n\nChannel 1: can\n\nChannel 0: have\n\nChannel 1: see\n\nChannel 0: a\n\nChannel 1: that.\n\nChannel 0: little small table there. So\n\nChannel 1: Yeah.\n\nChannel 0: you're currently on track for that three sixteen. This factors in the super advice as well, but seven\n\nChannel 1: Mhmm.\n\nChannel 0: 18 is for the life and CPD. 249O is all of the policies put together. Get to 05:15 with the super recommendations as well. If you\n\nChannel 1: Mhmm.\n\nChannel 0: had no insurance, it'd be $5.54. So that just shows you, like, if you pay premiums versus none, what that's actually doing to the super. K? Advantage disadvantages from there, pretty much if you pay for a policy out of pocket, it's gonna impact the cash flow.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: There'll be increased premiums in the super, and everything will be in line with your needs analysis, essentially.\n\nChannel 1: Yep. Okay.\n\nChannel 0: So last one I'll point out is just at the bottom of page 26. There's a bit of\n\nChannel 1: Yep.\n\nChannel 0: a colored logo table with all the different insurers we compared. So I saw this and looked at the top five and went, okay. There's four that are cheaper than a sender.\n\nChannel 1: Mhmm.\n\nChannel 0: Only a couple that match it for features. So I just went straight into quoting with you and everybody. But then all of a sudden, the discount supply and the actual\n\nChannel 1: Mhmm.\n\nChannel 0: cover turned out to be basically the same in front. So I've discounted those guys even though\n\nChannel 1: Mhmm.\n\nChannel 0: upfront they looked very good.\n\nChannel 1: Yeah. Yeah. I understand.\n\nChannel 0: Cool.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: The rest of that document's basically just beneficiary nomination for that extra life policy. For all insurances as well. If you could go down towards the at the bottom of the document, age 36 has a remuneration table. Actually, two remuneration tables. So one's for upfront, one's for ongoing.\n\nChannel 1: Yep.\n\nChannel 0: So all insurers, whenever we set up a policy, they do pay us the first 66% of the premiums for the applications and everything,\n\nChannel 1: Mhmm.\n\nChannel 0: and\n\nChannel 1: Yep.\n\nChannel 0: then 22% ongoing to manage claims advice. So that's just been disclosed here as well.\n\nChannel 1: Yeah. Fair enough.\n\nChannel 0: There's no, again, differences where we save one insurer over the other and get kickbacks or anything, but\n\nChannel 1: Mhmm.\n\nChannel 0: that's just to cover the advice for the insurance.\n\nChannel 1: Yep. No. Understood.\n\nChannel 0: Cool.\n\nChannel 1: That's\n\nChannel 0: In\n\nChannel 1: fine.\n\nChannel 0: terms of implementation is the last bit on '38.\n\nChannel 1: Yep.\n\nChannel 0: It says how to implement our advice. Basically, if you consent on this advice document, we can then hop on the hub and switch the investments around. We'll\n\nChannel 1: Mhmm.\n\nChannel 0: book you in for a personal statement for the insurance policy, which we need about a week just to make sure that final quote comes through.\n\nChannel 1: Yep.\n\nChannel 0: Once that's done, usually takes a couple of weeks to go in force unless there's any doctor's reports that I need. And then\n\nChannel 1: Mhmm.\n\nChannel 0: it's just a matter of sorting out the beneficiary nomination, which will include with the application.\n\nChannel 1: Yep.\n\nChannel 0: And, again, we can't put in place a will for you.\n\nChannel 1: No. No. Of course. I need to get that sorted anyway.\n\nChannel 0: Thank you, Dan. But how are you liking the plan so far?\n\nChannel 1: Yeah. Look. It looks good. I'm I'm happy with the investments changing changes within the super. I think that's a good plan.\n\nChannel 0: Yep.\n\nChannel 1: In terms of the insurances, yeah, look. I'm keen keen to increase keep life where where it's at, increase TPD, and pick up income protection.\n\nChannel 0: Yep.\n\nChannel 1: I think in terms of trauma, I'm not sure I'll take that up right now.\n\nChannel 0: Okay.\n\nChannel 1: So I might\n\nChannel 0: Easy\n\nChannel 1: not,\n\nChannel 0: done. So\n\nChannel 1: yeah, I might not pick that one up, but, yeah, the income protection and TPD increase, I'm I'm keen to pick up.\n\nChannel 0: Perfect. So what I'll do on that one, Daniel, is can you see there on the next page, page 39, where it's got the the two paragraphs there and a little bit of a sign section?\n\nChannel 1: Yes.\n\nChannel 0: So what I'm gonna do here, the first paragraph is you're okay to proceed with all recommendations. The second\n\nChannel 1: Mhmm.\n\nChannel 0: one is what you would like to vary. So I'm just gonna add a text box into here and resend it to you. And then if you can just type in there, you know, no trauma insurance\n\nChannel 1: Mhmm.\n\nChannel 0: or don't go ahead with trauma. Once you sign that one, we can just keep that on file, and we don't have to apply for that one.\n\nChannel 1: Yeah. Great. No. That sounds good.\n\nChannel 0: Cool. Alright. So I'll get that sorted straight away. The once you go through this document, there'll be that service agreement to remain advisers on the super. So one thing I wanted to let you know there is same advice fees for managing the super as last year.\n\nOne\n\nChannel 1: Mhmm.\n\nChannel 0: 0.65 capital 600,000. Next year though, we are bringing in a tiered fee structure. So anyone above 200,000, they're gonna start getting discounts applied to their percentage.\n\nChannel 1: Okay. Right. Okay. So alright. Okay.\n\nThat's good to know.\n\nChannel 0: Again, I can't do that now because we have to get, like, a new financial services guide and a few legal things updated. But once all the new structures are in place, you're getting close to that 200 mark, so you'll get that pretty soon as well.\n\nChannel 1: Yeah. That's it. It's not not gonna apply just yet, but hopefully soon.\n\nChannel 0: Yeah. Absolutely. So outside of that, mate, any other questions for me?\n\nChannel 1: No. No. That's that's everything. That was really good. Thank you.\n\nChannel 0: Fantastic. So don't sign this one. I'll quickly just amend that text box for you and resend it through. When you go through it, just click through. It'll bring you down to each section to sign.\n\nAnd then once you get to the documents that don't require a signature, which is the appendix and all the product documents for the providers, you can basically just click next document and it'll skip through unless you actually wanna scroll through all 2,000 page.\n\nChannel 1: Yeah. I think I want I'll take apart from the 2,000 page review, but, yeah, no. I'll skip out those.\n\nChannel 0: Yeah. Leave that for us. We already did that, and that's how we come up with a recommendation. So it's just there for your records.\n\nChannel 1: Yeah. Great.\n\nChannel 0: Awesome, Daniel. Any questions for me before I let you go for the week?\n\nChannel 1: No. No. I think that's all pretty thorough.\n\nChannel 0: Fantastic. Mate, I'm glad to get a few good outcomes there. And if you have any questions, I'll basically line you up with Jack to go through the application. Like I said, I just need to leave a week for Ascender to get all the figures updated because we'll remove the trauma from the quote as well. Is there a good day or time from the week of the twentieth\n\nChannel 1: Let's see. Twentieth.\n\nChannel 0: onwards.\n\nChannel 1: Generally, Wednesdays are the best day, but, look, I'm pretty free free and open at the moment. So, yeah, whatever whatever time we can whatever time suits.\n\nChannel 0: Perfect. We're pretty well sweet on Wednesday all the way through. I'll just quickly check the implementation team to see what they've got. We've got pretty much a a late night available as well. So anything from ten in the morning till about 05:30 in the evening, I can put in for\n\nChannel 1: Yeah. Yeah. Look. If you're happy to do it first thing, let's do it ten in the morning.\n\nChannel 0: you. Yep. Things are done. I'll put in to ten. We usually leave, like, a full hour just blocked out for it.\n\nThey don't normally take more than half an hour anyway, but just as a bit of a heads up. I don't think you had that much in the way of, you know, medical conditions to go through\n\nChannel 1: No.\n\nChannel 0: all the extra questions on, but you know what? Insurers are likely to tick yes to one thing. They open up the next 10 questions for it. So just allow\n\nChannel 1: Exactly.\n\nChannel 0: a\n\nChannel 1: Yep. That's\n\nChannel 0: bit\n\nChannel 1: fine. Alright. I'll\n\nChannel 0: of\n\nChannel 1: put,\n\nChannel 0: time.\n\nChannel 1: yeah,\n\nChannel 0: Yeah.\n\nChannel 1: I'll put something in my calendar for that. So that's 10:00 on Wednesday, the twenty second.\n\nChannel 0: Correct.\n\nChannel 1: Cool.\n\nChannel 0: Personal statement for sender. And it will likely be Jack who's calling you for that.\n\nChannel 1: Yeah. No problems.\n\nChannel 0: Awesome, Daniel, mate. Thank you so much for your time. Really appreciate it. I will resend that email to you in a few minutes, and next time we speak to you will be on the twenty second.\n\nChannel 1: Yeah. Great. No worries. Thanks very much, Tony.\n\nChannel 0: Mate, no worries. Anytime at all. I'll talk to you, sir.\n\nChannel 1: Alright. See you. Bye.\n\nChannel 0: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.03942320495843887}],"sentiment":"neutral","sentiment_score":0.03942320495843887,"channel":1,"num_words":1,"start":1.1999999,"end":1.6999999},{"sentences":[{"text":"Good day, Daniel.","start":3.6,"end":4.24,"sentiment":"neutral","sentiment_score":0.31925636033217114},{"text":"It's Tommy here, senior adviser.","start":4.24,"end":5.4399996,"sentiment":"neutral","sentiment_score":0.16140908002853394},{"text":"I wrote to you, mate.","start":5.4399996,"end":6.16,"sentiment":"neutral","sentiment_score":0.1519731104373932},{"text":"How are you 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of","start":1076.175,"end":1077.215,"sentiment":"neutral","sentiment_score":0.07944878377020359}],"sentiment":"neutral","sentiment_score":0.06483931446241008,"channel":0,"num_words":18,"start":1072.175,"end":1077.215},{"sentences":[{"text":"Yep.","start":1077.075,"end":1077.575,"sentiment":"neutral","sentiment_score":0.07735535502433777}],"sentiment":"neutral","sentiment_score":0.07735535502433777,"channel":1,"num_words":1,"start":1077.075,"end":1077.575},{"sentences":[{"text":"a colored logo table with all the different insurers we compared.","start":1077.215,"end":1080.515,"sentiment":"neutral","sentiment_score":0.09079612588340585},{"text":"So I saw this and looked at the top five and went, okay.","start":1082.2799,"end":1085.48,"sentiment":"neutral","sentiment_score":0.1597622541280893},{"text":"There's four that are cheaper than a 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manage claims advice.","start":1139.6201,"end":1142.92,"sentiment":"neutral","sentiment_score":0.0516321887927396},{"text":"So that's just been disclosed here as well.","start":1143.3,"end":1145.7201,"sentiment":"neutral","sentiment_score":0.0560547704808414}],"sentiment":"neutral","sentiment_score":0.05399089902639389,"channel":0,"num_words":15,"start":1139.6201,"end":1145.7201},{"sentences":[{"text":"Yeah.","start":1146.0,"end":1146.32,"sentiment":"neutral","sentiment_score":0.07655678689479828},{"text":"Fair enough.","start":1146.32,"end":1147.06,"sentiment":"neutral","sentiment_score":0.09548317641019821}],"sentiment":"neutral","sentiment_score":0.0891743799050649,"channel":1,"num_words":3,"start":1146.0,"end":1147.06},{"sentences":[{"text":"There's no, again, differences where we save one insurer over the other and get kickbacks or anything, 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of implementation is the last bit on '38.","start":1159.675,"end":1162.975,"sentiment":"neutral","sentiment_score":0.04230044326848454}],"sentiment":"neutral","sentiment_score":0.04230044326848454,"channel":0,"num_words":9,"start":1159.675,"end":1162.975},{"sentences":[{"text":"Yep.","start":1164.325,"end":1164.825,"sentiment":"neutral","sentiment_score":0.08914372324943542}],"sentiment":"neutral","sentiment_score":0.08914372324943542,"channel":1,"num_words":1,"start":1164.325,"end":1164.825},{"sentences":[{"text":"It says how to implement our advice.","start":1164.395,"end":1166.395,"sentiment":"neutral","sentiment_score":0.07362374290823936},{"text":"Basically, if you consent on this advice document, we can then hop on the hub and switch the investments 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I might not pick that one up, but, yeah, the income protection and TPD increase, I'm I'm keen to pick up.","start":1237.38,"end":1245.495,"sentiment":"neutral","sentiment_score":0.040606279942122375}],"sentiment":"neutral","sentiment_score":0.040606279942122375,"channel":1,"num_words":22,"start":1237.38,"end":1245.495},{"sentences":[{"text":"Perfect.","start":1246.29,"end":1246.6901,"sentiment":"neutral","sentiment_score":-0.02808990143239498},{"text":"So what I'll do on that one, Daniel, is can you see there on the next page, page 39, where it's got the the two paragraphs there and a little bit of a sign 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structure.","start":1309.045,"end":1312.745,"sentiment":"neutral","sentiment_score":0.09731054306030273},{"text":"So anyone above 200,000, they're gonna start getting discounts applied to their percentage.","start":1313.045,"end":1318.265,"sentiment":"neutral","sentiment_score":0.09826882183551788}],"sentiment":"neutral","sentiment_score":0.09182608472528281,"channel":0,"num_words":27,"start":1305.59,"end":1318.265},{"sentences":[{"text":"Okay.","start":1318.43,"end":1318.93,"sentiment":"neutral","sentiment_score":0.10565271228551865},{"text":"Right.","start":1319.79,"end":1320.27,"sentiment":"neutral","sentiment_score":0.10562540590763092},{"text":"Okay.","start":1320.27,"end":1320.77,"sentiment":"neutral","sentiment_score":0.11407677829265594},{"text":"So 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other questions for me?","start":1348.5901,"end":1351.01,"sentiment":"neutral","sentiment_score":0.13377150893211365}],"sentiment":"neutral","sentiment_score":0.13935986906290054,"channel":0,"num_words":12,"start":1347.0701,"end":1351.01},{"sentences":[{"text":"No.","start":1351.285,"end":1351.525,"sentiment":"neutral","sentiment_score":-0.13921567797660828},{"text":"No.","start":1351.525,"end":1351.765,"sentiment":"neutral","sentiment_score":-0.08970239758491516},{"text":"That's that's everything.","start":1351.765,"end":1352.645,"sentiment":"neutral","sentiment_score":0.08576440500716369},{"text":"That was really good.","start":1352.645,"end":1353.285,"sentiment":"positive","sentiment_score":0.656143382191658},{"text":"Thank you.","start":1353.285,"end":1354.025,"sentiment":"positive","sentiment_score":0.6107166707515717}],"sentiment":"positive","sentiment_score":0.35221654633906757,"channel":1,"num_words":11,"start":1351.285,"end":1354.025},{"sentences":[{"text":"Fantastic.","start":1354.99,"end":1355.49,"sentiment":"positive","sentiment_score":0.47222691774368286},{"text":"So don't sign this one.","start":1355.63,"end":1357.39,"sentiment":"neutral","sentiment_score":-0.016875964892096817},{"text":"I'll quickly just amend that text box for you and resend it through.","start":1357.39,"end":1360.815,"sentiment":"neutral","sentiment_score":0.1397601248553166},{"text":"When you go through it, just click through.","start":1360.975,"end":1363.615,"sentiment":"neutral","sentiment_score":0.08290781080722809},{"text":"It'll bring you down to each section to 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no.","start":1380.4851,"end":1384.645,"sentiment":"neutral","sentiment_score":-0.04673403203487396},{"text":"I'll skip out those.","start":1384.645,"end":1385.7,"sentiment":"neutral","sentiment_score":-0.054552748799324036}],"sentiment":"neutral","sentiment_score":-0.04563660100102425,"channel":1,"num_words":20,"start":1380.165,"end":1385.7},{"sentences":[{"text":"Yeah.","start":1386.7949,"end":1387.115,"sentiment":"neutral","sentiment_score":0.02413998544216156},{"text":"Leave that for us.","start":1387.115,"end":1387.915,"sentiment":"neutral","sentiment_score":0.054829783737659454},{"text":"We already did that, and that's how we come up with a recommendation.","start":1387.915,"end":1391.0549,"sentiment":"neutral","sentiment_score":0.18377069670420426},{"text":"So it's just there for your 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if you have any questions, I'll basically line you up with Jack to go through the application.","start":1408.61,"end":1414.23,"sentiment":"neutral","sentiment_score":0.24862181395292282},{"text":"Like I said, I just need to leave a week for Ascender to get all the figures updated because we'll remove the trauma from the quote as well.","start":1415.325,"end":1422.945,"sentiment":"neutral","sentiment_score":0.10470822054360594},{"text":"Is there a good day or time from the week of the twentieth","start":1423.405,"end":1430.1799,"sentiment":"neutral","sentiment_score":0.07534093982898273}],"sentiment":"neutral","sentiment_score":0.24263188477073397,"channel":0,"num_words":70,"start":1404.93,"end":1430.1799},{"sentences":[{"text":"Let's 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put something in my calendar for that.","start":1503.76,"end":1508.74,"sentiment":"neutral","sentiment_score":0.11217322573065758},{"text":"So that's 10:00 on Wednesday, the twenty second.","start":1509.225,"end":1511.965,"sentiment":"neutral","sentiment_score":0.08871847856789827}],"sentiment":"neutral","sentiment_score":0.10044585214927793,"channel":1,"num_words":16,"start":1503.76,"end":1511.965},{"sentences":[{"text":"Correct.","start":1513.0901,"end":1513.5901,"sentiment":"neutral","sentiment_score":0.20998479425907135}],"sentiment":"neutral","sentiment_score":0.20998479425907135,"channel":0,"num_words":1,"start":1513.0901,"end":1513.5901},{"sentences":[{"text":"Cool.","start":1514.265,"end":1514.765,"sentiment":"positive","sentiment_score":0.44462692737579346}],"sentiment":"positive","sentiment_score":0.44462692737579346,"channel":1,"num_words":1,"start":1514.265,"end":1514.765},{"sentences":[{"text":"Personal statement for sender.","start":1516.13,"end":1518.7101,"sentiment":"neutral","sentiment_score":0.18540961854159832},{"text":"And it will likely be Jack who's calling you for that.","start":1518.8501,"end":1521.91,"sentiment":"neutral","sentiment_score":0.18725910715081476}],"sentiment":"neutral","sentiment_score":0.18676591018835703,"channel":0,"num_words":15,"start":1516.13,"end":1521.91},{"sentences":[{"text":"Yeah.","start":1522.345,"end":1522.585,"sentiment":"neutral","sentiment_score":0.19251792132854464},{"text":"No problems.","start":1522.585,"end":1523.22,"sentiment":"positive","sentiment_score":0.36938491463661194}],"sentiment":"neutral","sentiment_score":0.3104292502005895,"channel":1,"num_words":3,"start":1522.345,"end":1523.22},{"sentences":[{"text":"Awesome, Daniel, mate.","start":1524.93,"end":1525.7301,"sentiment":"positive","sentiment_score":0.7375438809394836},{"text":"Thank you so much for your time.","start":1525.7301,"end":1527.0901,"sentiment":"positive","sentiment_score":0.8248225280216762},{"text":"Really appreciate it.","start":1527.0901,"end":1528.275,"sentiment":"positive","sentiment_score":0.7823884685834249},{"text":"I will resend that email to you in a few minutes, and next time we speak to you will be on the twenty second.","start":1528.355,"end":1534.935,"sentiment":"neutral","sentiment_score":0.30904111204047996}],"sentiment":"positive","sentiment_score":0.4797443630727562,"channel":0,"num_words":37,"start":1524.93,"end":1534.935},{"sentences":[{"text":"Yeah.","start":1535.46,"end":1535.7,"sentiment":"neutral","sentiment_score":0.32509881258010864},{"text":"Great.","start":1535.7,"end":1536.1,"sentiment":"positive","sentiment_score":0.6922114491462708},{"text":"No worries.","start":1536.1,"end":1536.58,"sentiment":"positive","sentiment_score":0.43806353211402893},{"text":"Thanks very much, Tony.","start":1536.58,"end":1537.6709,"sentiment":"positive","sentiment_score":0.7338752001523972}],"sentiment":"positive","sentiment_score":0.6036172658205032,"channel":1,"num_words":8,"start":1535.46,"end":1537.6709},{"sentences":[{"text":"Mate, no worries.","start":1538.7909,"end":1539.5109,"sentiment":"positive","sentiment_score":0.3702917496363322},{"text":"Anytime at all.","start":1539.5109,"end":1540.2709,"sentiment":"neutral","sentiment_score":0.31971826155980426},{"text":"I'll talk to you, sir.","start":1540.2709,"end":1541.2909,"sentiment":"positive","sentiment_score":0.36208022832870485}],"sentiment":"positive","sentiment_score":0.3527664704756303,"channel":0,"num_words":11,"start":1538.7909,"end":1541.2909},{"sentences":[{"text":"Alright.","start":1541.2709,"end":1541.7509,"sentiment":"neutral","sentiment_score":0.3043416440486908},{"text":"See you.","start":1541.7509,"end":1542.1509,"sentiment":"positive","sentiment_score":0.3972889930009842},{"text":"Bye.","start":1542.1509,"end":1542.6509,"sentiment":"neutral","sentiment_score":0.23881369829177856}],"sentiment":"positive","sentiment_score":0.33443333208560944,"channel":1,"num_words":4,"start":1541.2709,"end":1542.6509},{"sentences":[{"text":"Thank you.","start":1543.2709,"end":1543.6709,"sentiment":"positive","sentiment_score":0.599149227142334},{"text":"Bye.","start":1543.6709,"end":1544.1709,"sentiment":"neutral","sentiment_score":-0.11265390366315842}],"sentiment":"positive","sentiment_score":0.3618815168738365,"channel":0,"num_words":3,"start":1543.2709,"end":1544.1709}]},"summary":{"result":"success","short":"A senior adviser, Tommy, discusses the progress of Daniel's insurance plan and provides him with a new booklet with all the product provider information. Daniel is instructed to review the booklet and make changes to his investment options and risk profile. The speaker provides insight into the retirement planning process and the use of gold in the portfolio, emphasizing the benefits of a lower fee investment and the use of gold in the portfolio. The speaker emphasizes the importance of the policy and offers to resend the policy documents to the customer. The insurance plan is implemented and the customer is instructed to complete the application and resend the policy documents."},"intents":{"segments":[{"text":"I have an updated plan to send through to you, sir. It's quite excited to go through it with you. Yeah.","start_word":102,"end_word":122,"intents":[{"intent":"Update plan","confidence_score":0.1945904},{"intent":"Update information","confidence_score":0.010845037}]},{"text":"And we just added some research appendix, a bit of Yep. a service agreement there.","start_word":272,"end_word":286,"intents":[{"intent":"Add research appendix","confidence_score":0.26915243}]},{"text":"So when you get that one up, mate, just let me know when you can see inside the sign here button. It'll bring up all the documents to scroll through with me.","start_word":328,"end_word":359,"intents":[{"intent":"Scroll documents","confidence_score":0.12478477}]},{"text":"thing is bit of a review of the portfolio that we discussed last time, just getting that underperforming option sorted for you Mhmm. and topping up the TBD for the insurance, looking at the income protection, and we did have a bit of a chat about the trauma cover as well. Yep.","start_word":465,"end_word":516,"intents":[{"intent":"Access portfolios","confidence_score":0.00007046249}]},{"text":"And just outside of that, we're just doing the usual reminders for estate planning on the next page about wills and powers of attorney.","start_word":517,"end_word":540,"intents":[{"intent":"Explain wills and powers of attorney","confidence_score":0.003313355}]},{"text":"And just outside of that, we're just doing the usual reminders for estate planning on the next page about wills and powers of attorney. Yes.","start_word":517,"end_word":541,"intents":[{"intent":"Discuss estate planning","confidence_score":0.0020361864}]},{"text":"We're just changing investment options rather Mhmm. than increasing or decreasing risk. And if you go Yep. into strategy recommendations on twelve and thirteen, it's quite text heavy. Could be a blue title there. Yes.","start_word":795,"end_word":829,"intents":[{"intent":"Discuss investment options","confidence_score":0.030197827}]},{"text":"We factored in a little bit of capital gains tax within the super because we've got you in a wrap platform. Yep. Normally, it's all baked in, but we've got control over what you buy and sell and how that impacts you with super tax under the hood. So we just factor that in as well. Yeah.","start_word":1019,"end_word":1075,"intents":[{"intent":"Analyze super tax inflows","confidence_score":0.00021171954}]},{"text":"Then you've got the investment fees dropped by $5.53. They're percentage based, but it's basically dropping it less than Yep. half from $8.40 to $2.87.","start_word":1415,"end_word":1439,"intents":[{"intent":"Evaluate cost savings","confidence_score":0.0009455789}]},{"text":"So if you have a claim, they will pay you a few grand to get advice.","start_word":2082,"end_word":2097,"intents":[{"intent":"Compare claims","confidence_score":0.010569515}]},{"text":"the only caveat with this one is that alteration pricing is a little bit different than the quotes that we get. Okay.","start_word":2484,"end_word":2505,"intents":[{"intent":"Change pricing","confidence_score":0.00009591537}]},{"text":"If you have no insurances at all, what does that do through the super impact?","start_word":2779,"end_word":2793,"intents":[{"intent":"Explain super impact impact","confidence_score":0.00453212}]},{"text":"had no insurance, it'd be $5.54. So that just shows you, like, if you pay premiums versus none, what that's actually doing to the super. K?","start_word":2877,"end_word":2902,"intents":[{"intent":"Understand cost comparison","confidence_score":0.00019726423},{"intent":"Coordinate insurance costs","confidence_score":0.0000055233895}]},{"text":"Advantage disadvantages from there, pretty much if you pay for a policy out of pocket, it's gonna impact the cash flow. Yep.","start_word":2903,"end_word":2924,"intents":[{"intent":"Discuss benefits","confidence_score":0.006850078}]},{"text":"So all insurers, whenever we set up a policy, they do pay us the first 66% of the premiums for the applications and everything, Mhmm. and Yep. then 22% ongoing to manage claims advice. So that's just been disclosed here as well. Yeah.","start_word":3112,"end_word":3154,"intents":[{"intent":"Discuss insurance plans","confidence_score":0.011860338}]},{"text":"So I'm just gonna add a text box into here and resend it to you. And then if you can just type in there, you know, no trauma insurance Mhmm. or don't go ahead with trauma. Once you sign that one, we can just keep that on file, and we don't have to apply for that one. Yeah.","start_word":3491,"end_word":3548,"intents":[{"intent":"Add text box","confidence_score":0.03211777}]},{"text":"The once you go through this document, there'll be that service agreement to remain advisers on the super. So one thing I wanted to let you know there is same advice fees for managing the super as last year. One Mhmm.","start_word":3563,"end_word":3603,"intents":[{"intent":"Set up service agreement","confidence_score":0.0022897595}]},{"text":"So alright. Okay. That's good to know. Again, I can't do that now because we have to get, like, a new financial services guide and a few legal things updated. But once all the new structures are in place, you're getting close to that 200 mark, so you'll get that pretty soon as well. Yeah.","start_word":3634,"end_word":3688,"intents":[{"intent":"Update structure","confidence_score":0.06770107}]},{"text":"So don't sign this one. I'll quickly just amend that text box for you and resend it through. When you go through it, just click through. It'll bring you down to each section to sign.","start_word":3725,"end_word":3759,"intents":[{"intent":"Resend text","confidence_score":0.12977035},{"intent":"Modify text","confidence_score":0.00045612757}]},{"text":"And if you have any questions, I'll basically line you up with Jack to go through the application.","start_word":3885,"end_word":3902,"intents":[{"intent":"Schedule meeting with jack","confidence_score":0.0217015}]}]},"sentiments":{"segments":[{"text":"Hello? Good day, Daniel. It's Tommy here, senior adviser. I wrote to you, mate. How are you doing? Yeah. Hey.","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.1797499805688858},{"text":"Good, Tommy.","start_word":20,"end_word":21,"sentiment":"positive","sentiment_score":0.36461323499679565},{"text":"How's things? Mate, things are going sensational. It's freezing in these old Queenslander homes even though the sun's out. What about your end? Yeah. Not too bad. Yeah. No. Big big cold myself. Actually, it's freezing down here. It was about three degrees when I left the house this morning. So No way. yeah. It was. It's been been very icy, actually. Oh, mate.","start_word":22,"end_word":85,"sentiment":"neutral","sentiment_score":-0.05678246170282364},{"text":"I'm definitely looking forward to a fire tonight. That'd be on fire. And Oh, very nice. I have an updated plan to send through to you, sir. It's quite excited to go through it with you.","start_word":86,"end_word":121,"sentiment":"positive","sentiment_score":0.5831413865089417},{"text":"Yeah. Do you Great. have a few minutes to jump on the emails with me today? Yeah. I do.","start_word":122,"end_word":140,"sentiment":"neutral","sentiment_score":0.23893290758132937},{"text":"Perfect.","start_word":141,"end_word":141,"sentiment":"positive","sentiment_score":0.43686041235923767},{"text":"I'm gonna pop that through to you now just so it's got a minute to go through. Are Mhmm. you okay to just confirm date of birth and address for security? Yeah. Sure. Just give me two seconds. No worries. Sorry. Just stepping into a meeting room. Yeah. Date of birth is 03/08/1987, Yep. and my address is 20 Phillips Street in Coburg. Sensational.","start_word":142,"end_word":205,"sentiment":"neutral","sentiment_score":0.1146925687789917},{"text":"Thanks for that.","start_word":206,"end_word":208,"sentiment":"positive","sentiment_score":0.5437862873077393},{"text":"Now I've just popped that through to your Gmail, and I'm just gonna run through. So there's a bit of a pack there because with the updated advice document, I've included all of the product provider, PDSs, which Yep. is about four of them or about two and a half thousand pages. So So I'll just put them at the end for you. And we just added some research appendix, a bit of Yep. a service agreement there. And, mate, we've had nothing but wins for your plan at the moment.","start_word":209,"end_word":299,"sentiment":"neutral","sentiment_score":0.1445072442293167},{"text":"Great.","start_word":300,"end_word":300,"sentiment":"positive","sentiment_score":0.40426570177078247},{"text":"Usually, insurances isn't my favorite thing, but when you get a bit of a win, I Good.","start_word":301,"end_word":317,"sentiment":"neutral","sentiment_score":0.25917404890060425},{"text":"quite like it. And portfolio is looking good too.","start_word":318,"end_word":326,"sentiment":"positive","sentiment_score":0.47948798537254333},{"text":"So when you get that one up, mate, just let me know when you can see inside the sign here button. It'll bring up all the documents to scroll through with me. And the first Inside one the should oh, so have I gotta click on the sign document button. yeah. It's not gonna sign anything. It just brings them up to peruse first. So Here we'll we just go. have Okay. a scroll through. Yep. Alright. Cool. I can So see you can that. see the beachfront Gold Coast picture there? I can.","start_word":327,"end_word":420,"sentiment":"neutral","sentiment_score":0.03821662440896034},{"text":"Amazing.","start_word":421,"end_word":421,"sentiment":"positive","sentiment_score":0.5764843225479126},{"text":"Alright. Can you pop through to page four for me? It's got a scope of advice. Yep. I can see that. Cool. So this basically just covers what advice is in the document versus what we're not giving advice on today. Main Mhmm. thing is bit of a review of the portfolio that we discussed last time, just getting that underperforming option sorted for you Mhmm. and topping up the TBD for the insurance, looking at the income protection, and we did have a bit of a chat about the trauma cover as well. Yep. And just outside of that, we're just doing the usual reminders for estate planning on the next page about wills and powers of attorney. Yes. And there's a little amendment I wanna make to the life insurance, which Mhmm. I'll walk you through in a sec. Sure. And on the area that we're not giving advice on after that is basically budgeting, debt management. You're obviously sorting out your own renovations, Yes. paying out Yep. a mortgage, and so on. So we're just focusing on the super insurance Yep. No problems. today. It's Cool. all If you go through past there, we've got limited advice warning. good. Again, areas that are not being addressed. It's not everything. Mhmm. We've got your details on the next two pages. So, again, phone number, email address, lead mechanical engineer, we have your 180 at the moment from Yep. the update. And primary place of residence, two cars, and a zero balance credit card for the assets and liabilities. That's right. So one thing that does probably need to change is dependent. So Yeah. I Yeah. have another dependent. That's right. The daughter. Correct. Recent. Yeah. Correct. Yep. So I'll add that on there. And then daughter, apologies for that.","start_word":422,"end_word":722,"sentiment":"neutral","sentiment_score":-0.00672093796639694},{"text":"That's all good.","start_word":723,"end_word":725,"sentiment":"positive","sentiment_score":0.495241641998291},{"text":"Independence. It's pretty new. So yeah.","start_word":726,"end_word":731,"sentiment":"neutral","sentiment_score":0.2340153455734253},{"text":"Absolutely.","start_word":732,"end_word":732,"sentiment":"positive","sentiment_score":0.559579610824585},{"text":"And I did manage to get that complimentary child cover in there as well, so I'll walk Yeah.","start_word":733,"end_word":750,"sentiment":"neutral","sentiment_score":0.28434324264526367},{"text":"you through that Great.","start_word":751,"end_word":754,"sentiment":"positive","sentiment_score":0.45669564604759216},{"text":"in a second. There's a few little details, so we'll just take a few minutes to go through it together. Sure. So if you go past there, page ten and eleven has your high growth risk profile. No changes there. We're just changing investment options rather Mhmm. than increasing or decreasing risk. And if you go Yep. into strategy recommendations on twelve and thirteen, it's quite text heavy. Could be a blue title there. Yes. Yeah. I can see that. Yep. So just to summarize, the best interest duty is how the recommendations achieve your goals and leave you in Mhmm. a better position. Yep. Basically, what we're doing is replacing the underperforming investment options, doing a bit of a rebalance. It'll save on fees, better performance, but we're not doing a full retirement analysis because that's twenty eight years away. We're just No. gonna Yeah. do that usual ten year projection of the month. Yep. That's fine. Cool. Next page, pros and cons of the super advice. There's an advantages disadvantages Yeah. I can see that. table. So we're basically going for some more, like, passive low fee investments at the moment and a bit of a change in style. Most of them were originally, but just getting rid of that active one to put another ETF in. The downside Yep. of the ETF is you pay a bit of brokerage fee upfront to purchase them, which is at Mhmm. 0.11%. We factor that into the figures, but then you've got the lowest fee investment going forward from that. Yep. Sure. K? We factored in a little bit of capital gains tax within the super because we've got you in a wrap platform. Yep. Normally, it's all baked in, but we've got control over what you buy and sell and how that impacts you with super tax under the hood. So we just factor that in as well. Yeah.","start_word":755,"end_word":1074,"sentiment":"neutral","sentiment_score":0.010270257187949028},{"text":"Sure. Cool. So if you go down a couple more pages, there's a nice hefty table on pages fifteen and sixteen, which is the portfolio.","start_word":1075,"end_word":1099,"sentiment":"positive","sentiment_score":0.37054482102394104},{"text":"Yep. So what this is basically doing, if you go it's actually probably easier bottom to top, and the second last column has target weight. And you can basically see the nice round figures in there, five, seven, 20 Mhmm. five, and so on. Yep. So we're mixing in a bit of gold in your portfolio to get you some alternatives. The third last row, beta shares 200, that's the replacement for that Benelon option. Yep. So it probably goes from 90 basis points in the investment fee to 20, and Mhmm. performance basically double and triple over one, three, and five years. Everything else, I'm just getting out of a few of the old options that we used to use, couple of updates, mainly waiting you in international shares a bit heavier as well. Yeah. Okay. So I can see here that you're selling off some of the battery tech, agri shares, sub security. Oh, no. Not that much for that. The Asian iShares. Okay. So you're selling all the holdings there, and then you're putting them into, yep, the ones at the bottom. Alright. That makes sense. Correct. So after that, if you go to asset allocation on 17, big colored pie chart there. Yep. So the main takeaway here, very middle row, there's a gray bar for growth total. Basically, for high growth, you need about 90% growth assets. You were sitting just under it with the drops Mhmm. in Benelon. This Mhmm. will kind of bump you back up above 90%. Usually, Yep. the range for high growth is between 90 and a 100%. Yep. Okay. K? Bit of alternatives is the only real change there. And if you go down the comparisons on the next page is the main one. Yep. So top right, 3 40 3 is the capital gains tax under the hood Mhmm. that we've taken out. Then you've got the investment fees dropped by $5.53. They're percentage based, but it's basically dropping it less than Yep. half from $8.40 to $2.87. Insurance premiums, so I factored in the new income protection and TBD in there. Yep. So just Yep. as a quick reminder, we put an affordability flag as less than 30% of your contribution, and Yeah. it came We out did. to be about 13 and a half Okay. For the trauma cover, I'll walk you through that in a sec. But for the 50 a month that we were thinking, it came out to be about 23.","start_word":1100,"end_word":1517,"sentiment":"neutral","sentiment_score":0.079220102939523},{"text":"So that turned out pretty good.","start_word":1518,"end_word":1523,"sentiment":"positive","sentiment_score":0.48316317796707153},{"text":"Performance at the bottom of that table. So this is bringing your five year average back up into Mhmm. the double digits Yep. with that rebalance there, which is what we want 10% and above consistently. Yeah. Exactly. No. That's good. Cool. Again, take the projections with a grain of salt there because, obviously, everything changes Yeah. yearly. Of But that course. fifty to two hundred is the expected outcome over five and ten years. But, again, even going from 3 to 400,000, good. Yeah. Sure. Yep. The table after that, that just shows you short, medium, and long term performance comparison. So even though what you were in was still double digits long term over ten years, this just brings all time periods back up to where they should be. Yep.","start_word":1524,"end_word":1655,"sentiment":"neutral","sentiment_score":0.14707006514072418},{"text":"Great.","start_word":1656,"end_word":1656,"sentiment":"positive","sentiment_score":0.3697962760925293},{"text":"Cool. No. That's good. Any questions on the super so far? No. I think the current recommended high growth. Yeah. No. That's all fine. Cool. Next page here. So I'll just take a minute with this one. If you Mhmm. go to this is all the insurance tables. Okay. Yep. Whereabouts is So that? That's that would be '20 and 21. It could say apply Yep. for life and trauma Sure. through a sender. So quick breakdown here is we compared all the other insurers.","start_word":1657,"end_word":1741,"sentiment":"neutral","sentiment_score":0.05725006921326413},{"text":"A a few of them came out looking really good in the software.","start_word":1742,"end_word":1754,"sentiment":"positive","sentiment_score":0.539441704750061},{"text":"Mhmm. But when we did some direct quoting, they didn't apply different discounts. Yep.","start_word":1755,"end_word":1768,"sentiment":"neutral","sentiment_score":-0.012424192391335964},{"text":"So Ascender, your current one came out really good. Still high feature score. Premiums were pretty much best or second best. So Yep. I've opted to stay with them. Now Great.","start_word":1769,"end_word":1799,"sentiment":"positive","sentiment_score":0.492253303527832},{"text":"this first table, it says to apply for a $100,000 of life and trauma cover. Mhmm. So what this basically does is if you get trauma insurance out of pocket by itself, it's actually more expensive than linking it to a life insurance policy. Okay. So what we're doing is even though you've got that 1,300,000 of life insurance, if we add another life policy outside of pocket and link them together, it works out cheaper overall, and you get that extra $100 of life of a distinct tax. Yep. Yeah. Right. Okay. Now on the right hand side, there's some features. Mhmm. So this trauma one, this is the out of pocket one for heart attack, stroke, and cancer. I Yep. mentioned last time that if you go to plus range for a couple of bucks, it gives you another 37 conditions, which is like, you know, bacterial meningitis, organ failure, burns, deafness, all that kind of thing. Now I've added in I don't usually add features. That's usually just an extra cost for Yep. you. But these Mhmm. ones, each feature was about a dollar 20 a month kind of thing. Yep. So from a reinstatement is basically you have a heart attack and get a $100,000, it will then reinstate the 100,000 back up rather than it being wiped out and kind of deleted. Yep. So K. that means you can then claim on cancer. You can then claim on the Yeah. other conditions. So you can just repeatedly claim on different events. They've automatically got child support benefit added in. So $10,000 for all children automatically. Mhmm. Yep. The financial planning benefit, that's just inbuilt as well. So if you have a claim, they will pay you a few grand to get advice.","start_word":1800,"end_word":2096,"sentiment":"neutral","sentiment_score":0.0695351410393763},{"text":"Complimentary and extra benefits option is for partial claims.","start_word":2097,"end_word":2105,"sentiment":"positive","sentiment_score":0.3683131337165833},{"text":"So that was about $2 a month. The main thing for this one, and I've seen it happen a lot is people get diagnosed with a certain cancer, but Mhmm. they have these rules about the skin cancer is gonna be so large or affecting so many organs before you can claim on it. Yep. This kinda lets you do a broader range of claims and also got some fun little features like if you lose a eye handle foot, you can Mhmm. do a partial claim of, like, $2,050,000. Okay. Right.","start_word":2106,"end_word":2197,"sentiment":"neutral","sentiment_score":0.06732798367738724},{"text":"So this pretty much gives you the frankly enough, the sender's got the best spread of conditions for all the insurers. So with the plus and the extras, that'll give you the most amount of things to claim on.","start_word":2198,"end_word":2236,"sentiment":"positive","sentiment_score":0.4894852340221405},{"text":"In their PDF is a huge table of all the things that you can claim on.","start_word":2237,"end_word":2252,"sentiment":"neutral","sentiment_score":0.33208325505256653},{"text":"Yeah. Cool.","start_word":2253,"end_word":2254,"sentiment":"positive","sentiment_score":0.39861249923706055},{"text":"Okay. K? So, again, that out of pocket cost, we were trying to get it under 50. So that's being $23.52. When I get an alteration quote back from a sender, they're also likely gonna apply a multi policy discount 10% to all of them. Mhmm. So this might be 21 a month or something like that. Okay. And this is an out of pocket cost, isn't it? Correct. Yep. Alright. K. So I'll leave that one there. There's no payments until you go through again. Application gets approved, like, kind of thing and credit card bank details, whatever it is. Mhmm. Yep.","start_word":2255,"end_word":2357,"sentiment":"neutral","sentiment_score":0.11368641257286072},{"text":"The income protection turned out really good underneath that as well.","start_word":2358,"end_word":2368,"sentiment":"positive","sentiment_score":0.46145039796829224},{"text":"That's the next table. So do you remember how I was gonna kind of work back the price if it was expensive from age 65 benefit down to five years or two years? Yep. It came out to after the rebate, 1,600 out of super, which again Mhmm. is quite low. So I've just done this the standard, thirty days age 65. You're out of Yep. work for a month, there's ten and a half grand up until retirement.","start_word":2369,"end_word":2447,"sentiment":"neutral","sentiment_score":-0.02853820949226995},{"text":"Yeah. Great.","start_word":2448,"end_word":2449,"sentiment":"positive","sentiment_score":0.5091390609741211},{"text":"K? Now the alterations on the next page, if you kinda go left to right, it will show you here's the 1.3 that you've got and the CBD being topped up. Mhmm. Now Yep. the only caveat with this one is that alteration pricing is a little bit different than the quotes that we get. Okay. So when we go to apply for it, that jump from $7.17 out of super to $8.67, it Mhmm. might be $8.75 or $8.80 with the alteration pricing instead. Right. Okay. So I'm just giving you a warning that when the the final alteration quote comes through from them to apply for, it may be $10.20 bucks more out of super. Yep. Alright. Cool. So main thing here, income protection and trauma get added, existing cover stays the same, and just increase the CPD. Yeah. Great. No. That's good.","start_word":2450,"end_word":2594,"sentiment":"neutral","sentiment_score":0.025459326803684235},{"text":"Cool.","start_word":2595,"end_word":2595,"sentiment":"positive","sentiment_score":0.3342732787132263},{"text":"Outside of that, the because we're doing that extra little life cover policy for the trauma discount, we'll just have to put a beneficiary nomination on that one just like your your other one. Yep. Sure. So, again, life cover you've been aimed to it's who it goes to. Yeah. Yeah. Yeah. No. I understand. Cool. Again, we're just using the reports from 2024 for the application. Mhmm. And if there's been no health changes since then, should be all good. If there's anything that pops up that we don't know about, there may be, you know, exclusions and things like that applied. Yeah. There's been no changes, so that shouldn't be a problem.","start_word":2596,"end_word":2709,"sentiment":"neutral","sentiment_score":0.0687825083732605},{"text":"Awesome. Alrighty.","start_word":2710,"end_word":2711,"sentiment":"positive","sentiment_score":0.4178611636161804},{"text":"The rest of that section basically just goes over how we arrived at the figures together, which was Mhmm. just to cover that new income, increase the TPD to be in line with your life cover, and that $100 for the trauma for medical. It Yep. also has a impact table, which basically shows here's what you're currently paying out of super. Here's the new one. If you have no insurances at all, what does that do through the super impact? Now if you look at the bottom of page 23, it shows you, like, a ten year impact. Three bottom of page 23. Yep. Yeah. I Could can have see a that. little small table there. So Yeah. you're currently on track for that three sixteen. This factors in the super advice as well, but seven Mhmm. 18 is for the life and CPD. 249O is all of the policies put together. Get to 05:15 with the super recommendations as well. If you Mhmm. had no insurance, it'd be $5.54. So that just shows you, like, if you pay premiums versus none, what that's actually doing to the super. K?","start_word":2712,"end_word":2902,"sentiment":"neutral","sentiment_score":0.07611984257337623},{"text":"Advantage disadvantages from there, pretty much if you pay for a policy out of pocket, it's gonna impact the cash flow.","start_word":2903,"end_word":2923,"sentiment":"negative","sentiment_score":-0.5057936906814575},{"text":"Yep. Mhmm. There'll be increased premiums in the super, and everything will be in line with your needs analysis, essentially. Yep. Okay. So last one I'll point out is just at the bottom of page 26. There's a bit of Yep. a colored logo table with all the different insurers we compared. So I saw this and looked at the top five and went, okay. There's four that are cheaper than a sender. Mhmm. Only a couple that match it for features. So I just went straight into quoting with you and everybody. But then all of a sudden, the discount supply and the actual Mhmm. cover turned out to be basically the same in front. So I've discounted those guys even though Mhmm. upfront they looked very good. Yeah. Yeah. I understand. Cool. Yep. That's fine. The rest of that document's basically just beneficiary nomination for that extra life policy. For all insurances as well. If you could go down towards the at the bottom of the document, age 36 has a remuneration table. Actually, two remuneration tables. So one's for upfront, one's for ongoing. Yep. So all insurers, whenever we set up a policy, they do pay us the first 66% of the premiums for the applications and everything, Mhmm. and Yep. then 22% ongoing to manage claims advice. So that's just been disclosed here as well. Yeah. Fair enough. There's no, again, differences where we save one insurer over the other and get kickbacks or anything, but Mhmm. that's just to cover the advice for the insurance. Yep. No. Understood. Cool. That's In fine. terms of implementation is the last bit on '38. Yep. It says how to implement our advice. Basically, if you consent on this advice document, we can then hop on the hub and switch the investments around. We'll Mhmm. book you in for a personal statement for the insurance policy, which we need about a week just to make sure that final quote comes through. Yep. Once that's done, usually takes a couple of weeks to go in force unless there's any doctor's reports that I need. And then Mhmm. it's just a matter of sorting out the beneficiary nomination, which will include with the application. Yep. And, again, we can't put in place a will for you. No. No. Of course. I need to get that sorted anyway.","start_word":2924,"end_word":3319,"sentiment":"neutral","sentiment_score":0.06415115162316296},{"text":"Thank you, Dan. But how are you liking the plan so far? Yeah. Look. It looks good. I'm I'm happy with the investments changing changes within the super. I think that's a good plan.","start_word":3320,"end_word":3353,"sentiment":"positive","sentiment_score":0.5970372557640076},{"text":"Yep. In terms of the insurances, yeah, look. I'm keen keen to increase keep life where where it's at, increase TPD, and pick up income protection. Yep. I think in terms of trauma, I'm not sure I'll take that up right now. Okay. So I might Easy not, done. So yeah, I might not pick that one up, but, yeah, the income protection and TPD increase, I'm I'm keen to pick up.","start_word":3354,"end_word":3425,"sentiment":"neutral","sentiment_score":0.02369280718266964},{"text":"Perfect.","start_word":3426,"end_word":3426,"sentiment":"positive","sentiment_score":0.5139366388320923},{"text":"So what I'll do on that one, Daniel, is can you see there on the next page, page 39, where it's got the the two paragraphs there and a little bit of a sign section? Yes. So what I'm gonna do here, the first paragraph is you're okay to proceed with all recommendations. The second Mhmm. one is what you would like to vary. So I'm just gonna add a text box into here and resend it to you. And then if you can just type in there, you know, no trauma insurance Mhmm. or don't go ahead with trauma. Once you sign that one, we can just keep that on file, and we don't have to apply for that one. Yeah.","start_word":3427,"end_word":3548,"sentiment":"neutral","sentiment_score":0.07020844519138336},{"text":"Great.","start_word":3549,"end_word":3549,"sentiment":"positive","sentiment_score":0.4330342710018158},{"text":"No.","start_word":3550,"end_word":3550,"sentiment":"neutral","sentiment_score":0.3285609483718872},{"text":"That sounds good. Cool. Alright. So I'll get that sorted straight away.","start_word":3551,"end_word":3562,"sentiment":"positive","sentiment_score":0.3607456684112549},{"text":"The once you go through this document, there'll be that service agreement to remain advisers on the super. So one thing I wanted to let you know there is same advice fees for managing the super as last year. One Mhmm. 0.65 capital 600,000. Next year though, we are bringing in a tiered fee structure. So anyone above 200,000, they're gonna start getting discounts applied to their percentage. Okay. Right. Okay. So alright. Okay.","start_word":3563,"end_word":3636,"sentiment":"neutral","sentiment_score":0.11537843942642212},{"text":"That's good to know.","start_word":3637,"end_word":3640,"sentiment":"positive","sentiment_score":0.42812246084213257},{"text":"Again, I can't do that now because we have to get, like, a new financial services guide and a few legal things updated. But once all the new structures are in place, you're getting close to that 200 mark, so you'll get that pretty soon as well. Yeah. That's it. It's not not gonna apply just yet, but hopefully soon. Yeah. Absolutely. So outside of that, mate, any other questions for me? No. No. That's that's everything.","start_word":3641,"end_word":3717,"sentiment":"neutral","sentiment_score":0.06518508493900299},{"text":"That was really good. Thank you. Fantastic.","start_word":3718,"end_word":3724,"sentiment":"positive","sentiment_score":0.5918160676956177},{"text":"So don't sign this one. I'll quickly just amend that text box for you and resend it through. When you go through it, just click through. It'll bring you down to each section to sign. And then once you get to the documents that don't require a signature, which is the appendix and all the product documents for the providers, you can basically just click next document and it'll skip through unless you actually wanna scroll through all 2,000 page. Yeah. I think I want I'll take apart from the 2,000 page review, but, yeah, no. I'll skip out those. Yeah. Leave that for us. We already did that, and that's how we come up with a recommendation. So it's just there for your records. Yeah.","start_word":3725,"end_word":3850,"sentiment":"neutral","sentiment_score":0.05693412903282377},{"text":"Great. Awesome, Daniel.","start_word":3851,"end_word":3853,"sentiment":"positive","sentiment_score":0.5440138578414917},{"text":"Any questions for me before I let you go for the week? No. No. I think that's all pretty thorough.","start_word":3854,"end_word":3873,"sentiment":"neutral","sentiment_score":0.1555936634540558},{"text":"Fantastic. Mate, I'm glad to get a few good outcomes there.","start_word":3874,"end_word":3884,"sentiment":"positive","sentiment_score":0.7733571529388428},{"text":"And if you have any questions, I'll basically line you up with Jack to go through the application. Like I said, I just need to leave a week for Ascender to get all the figures updated because we'll remove the trauma from the quote as well. Is there a good day or time from the week of the twentieth Let's see. Twentieth. onwards. Generally, Wednesdays are the best day, but, look, I'm pretty free free and open at the moment. So, yeah, whatever whatever time we can whatever time suits.","start_word":3885,"end_word":3974,"sentiment":"neutral","sentiment_score":0.12165922671556471},{"text":"Perfect. We're pretty well sweet on Wednesday all the way through.","start_word":3975,"end_word":3985,"sentiment":"positive","sentiment_score":0.4436420500278473},{"text":"I'll just quickly check the implementation team to see what they've got. We've got pretty much a a late night available as well. So anything from ten in the morning till about 05:30 in the evening, I can put in for Yeah. Yeah. Look. If you're happy to do it first thing, let's do it ten in the morning. you. Yep. Things are done. I'll put in to ten. We usually leave, like, a full hour just blocked out for it. They don't normally take more than half an hour anyway, but just as a bit of a heads up. I don't think you had that much in the way of, you know, medical conditions to go through No. all the extra questions on, but you know what? Insurers are likely to tick yes to one thing. They open up the next 10 questions for it. So just allow Exactly. a Yep. That's bit fine. Alright. I'll of put, time. yeah, Yeah. I'll put something in my calendar for that. So that's 10:00 on Wednesday, the twenty second. Correct.","start_word":3986,"end_word":4164,"sentiment":"neutral","sentiment_score":0.05333022814889194},{"text":"Cool.","start_word":4165,"end_word":4165,"sentiment":"positive","sentiment_score":0.44462692737579346},{"text":"Personal statement for sender. And it will likely be Jack who's calling you for that. Yeah.","start_word":4166,"end_word":4181,"sentiment":"neutral","sentiment_score":0.19492410123348236},{"text":"No problems. Awesome, Daniel, mate. Thank you so much for your time. Really appreciate it.","start_word":4182,"end_word":4196,"sentiment":"positive","sentiment_score":0.730012834072113},{"text":"I will resend that email to you in a few minutes, and next time we speak to you will be on the twenty second. Yeah.","start_word":4197,"end_word":4221,"sentiment":"neutral","sentiment_score":0.3167896568775177},{"text":"Great. No worries. Thanks very much, Tony. Mate, no worries.","start_word":4222,"end_word":4231,"sentiment":"positive","sentiment_score":0.561691164970398},{"text":"Anytime at all.","start_word":4232,"end_word":4234,"sentiment":"neutral","sentiment_score":0.3257185220718384},{"text":"I'll talk to you, sir.","start_word":4235,"end_word":4239,"sentiment":"positive","sentiment_score":0.35842248797416687},{"text":"Alright.","start_word":4240,"end_word":4240,"sentiment":"neutral","sentiment_score":0.3043416440486908},{"text":"See you.","start_word":4241,"end_word":4242,"sentiment":"positive","sentiment_score":0.40418657660484314},{"text":"Bye.","start_word":4243,"end_word":4243,"sentiment":"neutral","sentiment_score":0.23881369829177856},{"text":"Thank you.","start_word":4244,"end_word":4245,"sentiment":"positive","sentiment_score":0.5994698405265808},{"text":"Bye.","start_word":4246,"end_word":4246,"sentiment":"neutral","sentiment_score":0.30716702342033386}],"average":{"sentiment":"neutral","sentiment_score":0.0972687972679932}}}}