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You just emailed me as well. Catherine Siva. Catherine Seba. We've been I've been trying to ask the girls. Been trying to fucking do advice for her and her partner for the past near twelve months, and she's just not responded. And she's like, hi. Can you send me the information? I need to take 5% of my fever. I'm like, we were meant to do advice to you, and we just couldn't get in contact with either of you. And she's like, I just wanna do it, like, monthly now. And I'm like, I you haven't done anything. Far out. Hang on two secs. I was trying to pull up the document. Yeah. I've got it here. It's open. Thank you so much. Send us through whenever you're ready. Thank you. Hi. Hi, Brenda. It's Jane. How are you? I'm very well. Thank you. Can you hear me okay? Yep. Fantastic. So it was a little bit patchy on on my end. I thought maybe it was the both of us. It's all good. How's your fantastic. How's your day been so far? Yeah. No. That's okay. I did have you booked in to go through and update your advice document to go through the updated one. Is now still a good time to run through that? I can try to do it as quickly as possible for you. Mhmm. Yeah. Yeah. Perfect. Did did it seem to make much sense to you? Do you have any questions that have come out of it so far? I'll go through and go through again the parts that I need to. But is there any questions that sort of came to mind as you were going through it? You're right. Just a statement of advice. So can you see that document in the email there? Yeah. Beautiful. When you pull it up, I'll take you through the pages that we need to sort of focus on, and I'll see if I can answer any questions that you might have as well as I'm going through the things I need to. But if anything pops up, just let me know. Okay? Yep. And the statement of advice, it might be the one it probably won't be one of the attachments unless I that number is attached or not. Sorry. No. You want the actual statement of advice. The appendix is just the research conducted. If you the SOA should be the one that has the sign buttons attached to it. So when you open the email, it should say it should have the document at the front there. It might even say view to sign or view to open. Yeah. That's the one. Yeah. So if you press the button and continue through, it'll let you look at the SOA without actually signing it. You don't have to sign it yet. Yep. And once you're in that document, if you go down to page number 25, I'll take you through the important parts of it, explain the bits and pieces, and then you'll be able to go back and reread it again later on if you want to. Okay. Perfect. On the very front page, it will say statement of advice prepared for yourself. It's also got my registration and license number registered with ASIC, which is 1304394. And this is page 25. Yeah. It'll have the investments noted on the heading. Perfect. Yep. Perfect. No. That's okay. You're absolutely fine. You're absolutely fine. Okay. So in this one here, when you've got that investment table, just let me know, and I'll start sort of explaining the recommendations there to you. Beautiful. Now with the investment table there, you'll see, essentially, we are looking to do a bit of an investment switch. So at the moment, you do have your three super funds. You've got your plum super, your Australian super, and your 100 twenty four. What I am gonna recommend with the insurances, because you've got about a 150,000 of life and TBD in Australian super, and you wanted to keep that amount, I'm gonna transfer that insurance from Australian super into hub twenty four. So the insurances will stay intact exactly as they are, but transferred into hub twenty four, and then we can close off Australian Super, and we can also close off and consolidate the plum super for you. Okay? Yeah. So we'll give you your employer contributions form so that they can pay those contributions in the hub twenty four. So we don't need to keep those two accounts open. We'll be able to close Plum Super, Australian Super, move everything into Hub twenty four so it's all in one place. And with the insurances within AustralianSuper, we'll transfer those into Hub twenty four as well. Okay? No. We'll give you the form to do the transfer. Yeah. Yeah. Yeah. Yeah. This will be this document is the statement of advice. So it's basically our recommendation for what we wanna do to help you meet your goals and move forward. And if you're comfortable proceeding, we'll get you to sign this one, return it back, and then we'll start the process and get the forms required to help you along. Okay? Yes. There's a lot. Yeah. No. No. Of course. Understandable. Well, the benefit to that is that Hub twenty four, the same as every other super fund out there, is legislated by the government. So, essentially, hub twenty four, the super fund itself is just the investment vehicle. Your money is actually invested into those investments you see underlined there. So if, say, hub twenty four had an issue and it went bad, you wouldn't lose your money because it's still invested in these sorts of areas here. So those investments could be moved to another platform. We could sell out of them. There'd be a whole bunch of things that can be done. But, essentially, if hub twenty four as a super fund was to go, you know, completely broke because, you know, the investments were basically zero, then it would essentially mean that every other super fund has done the exact same thing. That would have to be a pretty drastic problem to have where super funds everywhere would go broke. So it's not something that we expect to happen, obviously, but, look, keeping the free funds open is quite expensive, and I'll show you the cost there at the moment. Consolidating to one place is really the best idea, and we monitor and look after this for you. So we can check what's happening with Hub twenty four. If there's any risk that you're gonna lose a lot of money, then we'll try to move everything out quickly and buy and change the investments that way. Everything is continuously working for you. So, you know, it's only a very small risk that super funds anywhere are gonna go broke and that you'll lose any of your money. And if it's something that happens, it's gonna happen to an industry fund before it happens to a retail fund. Okay? All good. I've honestly never seen a super fund go broke in Australia before, so it's it's actually not too not not something you need to really worry too much about. Yeah. All good. So, yeah, with the sorry. You're right? That's okay. I'm still just looking at page number 25 there. So with the investment, as I mentioned, we're recommending that we roll you out of Plum Super and Australian Super and consolidate everything into Hub twenty four. Within Hub twenty four, I'm also gonna switch the investments a little bit because some of them have been underperforming, and we wanna obviously make sure we're diversifying and lowering your risk level as much as possible and minimizing fees. So I'm gonna be selling off all the Benelon Australian equities. I'll sell off all the Vanguard diversified index fund, all the global health care fund, and all of the Asia fund there. We're also gonna be selling off the battery and lithium tech and the agriculture fund, and we're gonna be buying more into the cybersecurity. We'll buy more into the Europe and The US exposure. We'll buy more into Japan. We're buying into the all world index fund, which is the one on page number 26 for you. Okay? We're gonna also buy the Australian 200, which is the top 200 companies on the Australian ASX, and then we're also gonna buy physical gold. And the last investment is the core composite bonds, So having some lower risk defensive investments as well there for you. So, essentially, that's what you're gonna see. All the green ones are what we're gonna buy into, and all the red ones are what we're gonna sell off. Does that make sense? Yeah. That's okay. That's alright. I won't go too far into them, but, essentially, this is just removing some of the investments that have been underperforming and not performing as well. The newer investments are lower cost. They're well diversified. It's about making sure you're lowering your risk level in your portfolio, but also investing in areas where we see great potential growth. And I know there's a lot going on with The US and Iran out there at the moment, but The US market is still not bad and has seen some really good growth over the past month even with what's happening out there at the at the time. So it is still a really good place to be invested. By removing the Benelon Australian Equities, which is at 35% on the bottom there of the 20 page 25. Bennelong only has about 20 to 30 different investment options in it. So I'm replacing that with the BetaShares a 200, which is gonna see 25% invested in there, and that's the third one down on page 26. Okay. Yeah. So that investment there essentially is giving you access to the top 200 companies on the Australian stock market. So, realistically, when we're replacing an investment with 25 or 30 different investments in it with something with 200 investments in it, you're essentially creating greater diversification and lowering your risk level. So it is helping to spread your risk out much further. Does that make sense? Yeah. It's all good. I will look after you. I promise, Brenda. Don't worry. It is yeah. Oh, yeah. That's okay. That's okay. As I said, I'll go through this now with you, then you can go back and have a bit of a read through it page by page, take it minute by minute, and let me know if you do happen to have any additional questions there. This is just giving you an outline of what we're gonna make the changes to in the investment wise. I won't go into too much detail and make it too confusing. But when you have time to go through it properly, let me know if there's any questions there. Okay? Now with regard to the fees, to show you why I'm making the changes, if you go to page 28, you'll see there's a fee table there. Beautiful. So the current side of that fee table shows you have 24, your plum super, and your Australian super, and you've got the administration fees and investment fees, your adviser fee coming out here, contributions going in, and the insurance premiums that you're paying for AustralianSuper there as well. Okay? With making the changes, your insurance premiums will still continue. We can transfer the insurances to come out of hub twenty four so everything can be consolidated. But you can see by putting the money into hub twenty four, you end up with more money at the beginning in one place. And then you're also saving. Your investment fees go down. So you actually save $481 on investment fees, and you save $67 on administration fees. Okay? Beautiful. Now the downside is that Hub twenty four will charge more for the insurances, but when we weigh up the amount you'll be paying for the insurances plus the decrease in administration fees and investment fees, plus the higher performance of the fund, when you project that forward, you're actually gonna be in a greater position over the next five to ten years than you would be if you stayed where you are. So if you look at table underneath that, you've actually got the projection outcome of if we stayed where you are with everything as it is currently in the three funds or the recommended if we consolidate everything into one place and alter the portfolio as on page twenty five and twenty six. Can you see that there? Yeah. Yeah. So it essentially shows that if you stayed where you are over the next sort of five to ten years, you could end up with about a 199,000 or 285,000. Whereas by taking the recommendation consolidating paying less fees, you can end the greater performance from the portfolio over the next five to ten years could actually see you increase to, in five years, see at around about 247,000 or in ten years over 443,000. Yeah. So there is there is a, you know, a base for making the recommendations, putting everything in one place. I can keep your insurances in AustralianSuper exactly as they are and just move them to hub twenty four, and we can consolidate everything. That way, you still have that one fifty of life cover, of TBD cover there as well, and then we can move everything into hub twenty four and have it all invested into one place. We can give you the contributions form to give to your employer so that your contributions are moved to hub twenty four as well. Okay? Yeah. Yeah. And if you decide to it doesn't look like there's anything going in there now. But if you decide to salary sacrifice down the track, let me know because you can sell back into Hub twenty four as well, and we can always help you to do that. Yep. Yep. Perfect. Perfect. Now, Brenda, if you scroll down a little bit to the next page, the other thing you wanted me to look up was the insurances as well. So as I mentioned, we are transferring your life and TBD into hub twenty four, but you also wanted me to look at getting some income protection. So if in the event you were unable to go to work in the short term, you could claim a monthly benefit under income protection because you don't seem to have any at the moment. Okay? Yeah. So I am recommending that we do apply, and this is on page number 30 for you. But this is essentially that we do apply for income protection through Neos with a monthly benefit amount of $6,416. It's it'll have a thirty day waiting period and a two year benefit period. So that means that you if you are unable to go to work, you just have to be off work for thirty days prior to you making a claim, and you can be on a claim for up to two years. Okay? Beautiful. This the cost of this for the year would come out of super, the same as your life in TBD, and it would be approximately $2,120.91. So in that table above there where we talked about the insurance premium, that $2.06 $8.03, that is the cost of the transfer of the life and TBD and the cost of this income protection policy. Okay? What page are you on? We can post the hard copy too if you like. Yeah. Definitely. Yeah. The email. Yeah. That's fine. No. That's okay. Yeah. That's fine. I can get someone to post that to you next week, and it might take about a week or two to come through. No. That's okay. Keeping in mind, you don't have to sign anything. So you can escape out of that. It's not asking you to sign that document today by no means. It's just kinda going through the sections there. But if you wanna put this up, I can rebook it for in two weeks if you like, and we can get the document posted to you next week. Yep. Perfect. No problem at all. So if I rebook it for two weeks for you, that'll be Thursday, June 4. Did you want in the afternoon about the same time? Or Yep. Beautiful. Lovely. That's two weeks. Beautiful. I'll pop it in there for you. It'll be 03:30 my time, which is 03:00 your time, the same as we have today, and I'll get someone to post those to you early next week. Okay? Beautiful. No. That's okay. Not a problem at all. I've rebooked that one for you. I'll get someone to post it. In the meantime, if you are able to get into your emails and whatever, have a bit of a look at it, absolutely fine. And, again, if you do have any questions, just let me know. Okay? Yep. Yep. No worries at all. Thanks so much. I'll talk to you soon, Brenda. You have a good afternoon. Thanks. See you later. 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I'm good. How are you? Oh, amazing. Oh, for fuck's sake.\n\nI'm so freaking lonely, honestly. I've tried so many times to do this. Oh, and you won't even believe you. You just emailed me as well. Catherine Siva.\n\nCatherine Seba. We've been I've been trying to ask the girls. Been trying to fucking do advice for her and her partner for the past near twelve months, and she's just not responded. And she's like, hi. Can you send me the information?\n\nI need to take 5% of my fever. I'm like, we were meant to do advice to you, and we just couldn't get in contact with either of you. And she's like, I just wanna do it, like, monthly now. And I'm like, I you haven't done anything. Far out.\n\nHang on two secs. I was trying to pull up the document. Yeah. I've got it here. It's open.\n\nThank you so much. Send us through whenever you're ready. Thank you. Hi. Hi, Brenda.\n\nIt's Jane. How are you? I'm very well. Thank you. Can you hear me okay?\n\nYep. Fantastic. So it was a little bit patchy on on my end. I thought maybe it was the both of us. It's all good.\n\nHow's your fantastic. How's your day been so far? Yeah. No. That's okay.\n\nI did have you booked in to go through and update your advice document to go through the updated one. Is now still a good time to run through that? I can try to do it as quickly as possible for you. Mhmm. Yeah.\n\nYeah. Perfect. Did did it seem to make much sense to you? Do you have any questions that have come out of it so far? I'll go through and go through again the parts that I need to.\n\nBut is there any questions that sort of came to mind as you were going through it? You're right. Just a statement of advice. So can you see that document in the email there? Yeah.\n\nBeautiful. When you pull it up, I'll take you through the pages that we need to sort of focus on, and I'll see if I can answer any questions that you might have as well as I'm going through the things I need to. But if anything pops up, just let me know. Okay? Yep.\n\nAnd the statement of advice, it might be the one it probably won't be one of the attachments unless I that number is attached or not. Sorry. No. You want the actual statement of advice. The appendix is just the research conducted.\n\nIf you the SOA should be the one that has the sign buttons attached to it. So when you open the email, it should say it should have the document at the front there. It might even say view to sign or view to open. Yeah. That's the one.\n\nYeah. So if you press the button and continue through, it'll let you look at the SOA without actually signing it. You don't have to sign it yet. Yep. And once you're in that document, if you go down to page number 25, I'll take you through the important parts of it, explain the bits and pieces, and then you'll be able to go back and reread it again later on if you want to.\n\nOkay. Perfect. On the very front page, it will say statement of advice prepared for yourself. It's also got my registration and license number registered with ASIC, which is 1304394. And this is page 25.\n\nYeah. It'll have the investments noted on the heading. Perfect. Yep. Perfect.\n\nNo. That's okay. You're absolutely fine. You're absolutely fine. Okay.\n\nSo in this one here, when you've got that investment table, just let me know, and I'll start sort of explaining the recommendations there to you. Beautiful. Now with the investment table there, you'll see, essentially, we are looking to do a bit of an investment switch. So at the moment, you do have your three super funds. You've got your plum super, your Australian super, and your 100 twenty four.\n\nWhat I am gonna recommend with the insurances, because you've got about a 150,000 of life and TBD in Australian super, and you wanted to keep that amount, I'm gonna transfer that insurance from Australian super into hub twenty four. So the insurances will stay intact exactly as they are, but transferred into hub twenty four, and then we can close off Australian Super, and we can also close off and consolidate the plum super for you. Okay? Yeah. So we'll give you your employer contributions form so that they can pay those contributions in the hub twenty four.\n\nSo we don't need to keep those two accounts open. We'll be able to close Plum Super, Australian Super, move everything into Hub twenty four so it's all in one place. And with the insurances within AustralianSuper, we'll transfer those into Hub twenty four as well. Okay? No.\n\nWe'll give you the form to do the transfer. Yeah. Yeah. Yeah. Yeah.\n\nThis will be this document is the statement of advice. So it's basically our recommendation for what we wanna do to help you meet your goals and move forward. And if you're comfortable proceeding, we'll get you to sign this one, return it back, and then we'll start the process and get the forms required to help you along. Okay? Yes.\n\nThere's a lot. Yeah. No. No. Of course.\n\nUnderstandable. Well, the benefit to that is that Hub twenty four, the same as every other super fund out there, is legislated by the government. So, essentially, hub twenty four, the super fund itself is just the investment vehicle. Your money is actually invested into those investments you see underlined there. So if, say, hub twenty four had an issue and it went bad, you wouldn't lose your money because it's still invested in these sorts of areas here.\n\nSo those investments could be moved to another platform. We could sell out of them. There'd be a whole bunch of things that can be done. But, essentially, if hub twenty four as a super fund was to go, you know, completely broke because, you know, the investments were basically zero, then it would essentially mean that every other super fund has done the exact same thing. That would have to be a pretty drastic problem to have where super funds everywhere would go broke.\n\nSo it's not something that we expect to happen, obviously, but, look, keeping the free funds open is quite expensive, and I'll show you the cost there at the moment. Consolidating to one place is really the best idea, and we monitor and look after this for you. So we can check what's happening with Hub twenty four. If there's any risk that you're gonna lose a lot of money, then we'll try to move everything out quickly and buy and change the investments that way. Everything is continuously working for you.\n\nSo, you know, it's only a very small risk that super funds anywhere are gonna go broke and that you'll lose any of your money. And if it's something that happens, it's gonna happen to an industry fund before it happens to a retail fund. Okay? All good. I've honestly never seen a super fund go broke in Australia before, so it's it's actually not too not not something you need to really worry too much about.\n\nYeah. All good. So, yeah, with the sorry. You're right? That's okay.\n\nI'm still just looking at page number 25 there. So with the investment, as I mentioned, we're recommending that we roll you out of Plum Super and Australian Super and consolidate everything into Hub twenty four. Within Hub twenty four, I'm also gonna switch the investments a little bit because some of them have been underperforming, and we wanna obviously make sure we're diversifying and lowering your risk level as much as possible and minimizing fees. So I'm gonna be selling off all the Benelon Australian equities. I'll sell off all the Vanguard diversified index fund, all the global health care fund, and all of the Asia fund there.\n\nWe're also gonna be selling off the battery and lithium tech and the agriculture fund, and we're gonna be buying more into the cybersecurity. We'll buy more into the Europe and The US exposure. We'll buy more into Japan. We're buying into the all world index fund, which is the one on page number 26 for you. Okay?\n\nWe're gonna also buy the Australian 200, which is the top 200 companies on the Australian ASX, and then we're also gonna buy physical gold. And the last investment is the core composite bonds, So having some lower risk defensive investments as well there for you. So, essentially, that's what you're gonna see. All the green ones are what we're gonna buy into, and all the red ones are what we're gonna sell off. Does that make sense?\n\nYeah. That's okay. That's alright. I won't go too far into them, but, essentially, this is just removing some of the investments that have been underperforming and not performing as well. The newer investments are lower cost.\n\nThey're well diversified. It's about making sure you're lowering your risk level in your portfolio, but also investing in areas where we see great potential growth. And I know there's a lot going on with The US and Iran out there at the moment, but The US market is still not bad and has seen some really good growth over the past month even with what's happening out there at the at the time. So it is still a really good place to be invested. By removing the Benelon Australian Equities, which is at 35% on the bottom there of the 20 page 25.\n\nBennelong only has about 20 to 30 different investment options in it. So I'm replacing that with the BetaShares a 200, which is gonna see 25% invested in there, and that's the third one down on page 26. Okay. Yeah. So that investment there essentially is giving you access to the top 200 companies on the Australian stock market.\n\nSo, realistically, when we're replacing an investment with 25 or 30 different investments in it with something with 200 investments in it, you're essentially creating greater diversification and lowering your risk level. So it is helping to spread your risk out much further. Does that make sense? Yeah. It's all good.\n\nI will look after you. I promise, Brenda. Don't worry. It is yeah. Oh, yeah.\n\nThat's okay. That's okay. As I said, I'll go through this now with you, then you can go back and have a bit of a read through it page by page, take it minute by minute, and let me know if you do happen to have any additional questions there. This is just giving you an outline of what we're gonna make the changes to in the investment wise. I won't go into too much detail and make it too confusing.\n\nBut when you have time to go through it properly, let me know if there's any questions there. Okay? Now with regard to the fees, to show you why I'm making the changes, if you go to page 28, you'll see there's a fee table there. Beautiful. So the current side of that fee table shows you have 24, your plum super, and your Australian super, and you've got the administration fees and investment fees, your adviser fee coming out here, contributions going in, and the insurance premiums that you're paying for AustralianSuper there as well.\n\nOkay? With making the changes, your insurance premiums will still continue. We can transfer the insurances to come out of hub twenty four so everything can be consolidated. But you can see by putting the money into hub twenty four, you end up with more money at the beginning in one place. And then you're also saving.\n\nYour investment fees go down. So you actually save $481 on investment fees, and you save $67 on administration fees. Okay? Beautiful. Now the downside is that Hub twenty four will charge more for the insurances, but when we weigh up the amount you'll be paying for the insurances plus the decrease in administration fees and investment fees, plus the higher performance of the fund, when you project that forward, you're actually gonna be in a greater position over the next five to ten years than you would be if you stayed where you are.\n\nSo if you look at table underneath that, you've actually got the projection outcome of if we stayed where you are with everything as it is currently in the three funds or the recommended if we consolidate everything into one place and alter the portfolio as on page twenty five and twenty six. Can you see that there? Yeah. Yeah. So it essentially shows that if you stayed where you are over the next sort of five to ten years, you could end up with about a 199,000 or 285,000.\n\nWhereas by taking the recommendation consolidating paying less fees, you can end the greater performance from the portfolio over the next five to ten years could actually see you increase to, in five years, see at around about 247,000 or in ten years over 443,000. Yeah. So there is there is a, you know, a base for making the recommendations, putting everything in one place. I can keep your insurances in AustralianSuper exactly as they are and just move them to hub twenty four, and we can consolidate everything. That way, you still have that one fifty of life cover, of TBD cover there as well, and then we can move everything into hub twenty four and have it all invested into one place.\n\nWe can give you the contributions form to give to your employer so that your contributions are moved to hub twenty four as well. Okay? Yeah. Yeah. And if you decide to it doesn't look like there's anything going in there now.\n\nBut if you decide to salary sacrifice down the track, let me know because you can sell back into Hub twenty four as well, and we can always help you to do that. Yep. Yep. Perfect. Perfect.\n\nNow, Brenda, if you scroll down a little bit to the next page, the other thing you wanted me to look up was the insurances as well. So as I mentioned, we are transferring your life and TBD into hub twenty four, but you also wanted me to look at getting some income protection. So if in the event you were unable to go to work in the short term, you could claim a monthly benefit under income protection because you don't seem to have any at the moment. Okay? Yeah.\n\nSo I am recommending that we do apply, and this is on page number 30 for you. But this is essentially that we do apply for income protection through Neos with a monthly benefit amount of $6,416. It's it'll have a thirty day waiting period and a two year benefit period. So that means that you if you are unable to go to work, you just have to be off work for thirty days prior to you making a claim, and you can be on a claim for up to two years. Okay?\n\nBeautiful. This the cost of this for the year would come out of super, the same as your life in TBD, and it would be approximately $2,120.91. So in that table above there where we talked about the insurance premium, that $2.06 $8.03, that is the cost of the transfer of the life and TBD and the cost of this income protection policy. Okay? What page are you on?\n\nWe can post the hard copy too if you like. Yeah. Definitely. Yeah. The email.\n\nYeah. That's fine. No. That's okay. Yeah.\n\nThat's fine. I can get someone to post that to you next week, and it might take about a week or two to come through. No. That's okay. Keeping in mind, you don't have to sign anything.\n\nSo you can escape out of that. It's not asking you to sign that document today by no means. It's just kinda going through the sections there. But if you wanna put this up, I can rebook it for in two weeks if you like, and we can get the document posted to you next week. Yep.\n\nPerfect. No problem at all. So if I rebook it for two weeks for you, that'll be Thursday, June 4. Did you want in the afternoon about the same time? Or Yep.\n\nBeautiful. Lovely. That's two weeks. Beautiful. I'll pop it in there for you.\n\nIt'll be 03:30 my time, which is 03:00 your time, the same as we have today, and I'll get someone to post those to you early next week. Okay? Beautiful. No. That's okay.\n\nNot a problem at all. I've rebooked that one for you. I'll get someone to post it. In the meantime, if you are able to get into your emails and whatever, have a bit of a look at it, absolutely fine. And, again, if you do have any questions, just let me know.\n\nOkay? Yep. Yep. No worries at all. Thanks so much.\n\nI'll talk to you soon, Brenda. You have a good afternoon. Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.018252301961183548},{"text":"I'm good.","start":5.44,"end":6.0,"sentiment":"neutral","sentiment_score":0.30468228459358215},{"text":"How are you?","start":6.0,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.22485120594501495},{"text":"Oh, amazing.","start":10.24,"end":10.9,"sentiment":"positive","sentiment_score":0.47727739810943604},{"text":"Oh, for fuck's sake.","start":14.175,"end":15.135,"sentiment":"negative","sentiment_score":-0.44754962623119354}],"sentiment":"neutral","sentiment_score":0.03887723168979088,"num_words":12,"start":1.92,"end":15.135},{"sentences":[{"text":"I'm so freaking lonely, honestly.","start":15.135,"end":16.915,"sentiment":"negative","sentiment_score":-0.5204972088336944},{"text":"I've tried so many times to do this.","start":17.855,"end":19.695,"sentiment":"negative","sentiment_score":-0.3559906333684921},{"text":"Oh, and you won't even believe you.","start":19.695,"end":21.135,"sentiment":"neutral","sentiment_score":-0.2636899266924177},{"text":"You just emailed me as well.","start":21.135,"end":22.735,"sentiment":"neutral","sentiment_score":-0.12209714824954669},{"text":"Catherine Siva.","start":22.735,"end":23.715,"sentiment":"neutral","sentiment_score":-0.01428020279854536}],"sentiment":"neutral","sentiment_score":-0.2877637104663466,"num_words":28,"start":15.135,"end":23.715},{"sentences":[{"text":"Catherine Seba.","start":26.25,"end":27.37,"sentiment":"neutral","sentiment_score":-0.029812809079885483},{"text":"We've been I've been trying to ask the girls.","start":27.37,"end":29.77,"sentiment":"neutral","sentiment_score":-0.10199444409873751},{"text":"Been trying to fucking do advice for her and her partner for the past near twelve months, and she's just not responded.","start":29.77,"end":35.69,"sentiment":"neutral","sentiment_score":-0.20653500069271435},{"text":"And she's like, hi.","start":35.69,"end":36.41,"sentiment":"neutral","sentiment_score":-0.09251082502305508},{"text":"Can you send me the information?","start":36.41,"end":37.77,"sentiment":"neutral","sentiment_score":-0.038423651829361916}],"sentiment":"neutral","sentiment_score":-0.14237048468270966,"num_words":43,"start":26.25,"end":37.77},{"sentences":[{"text":"I need to take 5% of my fever.","start":37.77,"end":39.71,"sentiment":"neutral","sentiment_score":-0.14656707644462585},{"text":"I'm like, we were meant to do advice to you, and we just couldn't get in contact with either of you.","start":40.035,"end":44.454998,"sentiment":"neutral","sentiment_score":-0.18306950018519447},{"text":"And she's like, I just wanna do it, like, monthly now.","start":45.875,"end":49.555,"sentiment":"neutral","sentiment_score":-0.0736124874515967},{"text":"And I'm like, I you haven't done anything.","start":49.555,"end":51.335,"sentiment":"neutral","sentiment_score":-0.1463699070736766},{"text":"Far out.","start":57.989998,"end":58.809998,"sentiment":"neutral","sentiment_score":0.008452811511233449}],"sentiment":"neutral","sentiment_score":-0.139615742219612,"num_words":50,"start":37.77,"end":58.809998},{"sentences":[{"text":"Hang on two secs.","start":59.03,"end":59.829998,"sentiment":"neutral","sentiment_score":-0.0030566352361347526},{"text":"I was trying to pull up the document.","start":59.829998,"end":61.769997,"sentiment":"neutral","sentiment_score":0.003595384245272726},{"text":"Yeah.","start":61.829998,"end":62.07,"sentiment":"neutral","sentiment_score":0.03118084743618965},{"text":"I've got it here.","start":62.07,"end":62.87,"sentiment":"neutral","sentiment_score":0.06260992214083672},{"text":"It's open.","start":62.87,"end":63.43,"sentiment":"neutral","sentiment_score":0.05273955129086971}],"sentiment":"neutral","sentiment_score":0.02124400903152204,"num_words":19,"start":59.03,"end":63.43},{"sentences":[{"text":"Thank you so much.","start":63.43,"end":64.31,"sentiment":"neutral","sentiment_score":0.21217763423919678},{"text":"Send us through whenever you're ready.","start":64.31,"end":66.009995,"sentiment":"neutral","sentiment_score":0.1071869432926178},{"text":"Thank you.","start":68.665,"end":69.405,"sentiment":"neutral","sentiment_score":0.2458718717098236},{"text":"Hi.","start":70.905,"end":71.405,"sentiment":"neutral","sentiment_score":0.08571293950080872},{"text":"Hi, Brenda.","start":71.705,"end":72.505005,"sentiment":"neutral","sentiment_score":0.09530941024422646}],"sentiment":"neutral","sentiment_score":0.15066051334142685,"num_words":15,"start":63.43,"end":72.505005},{"sentences":[{"text":"It's Jane.","start":72.505005,"end":72.905,"sentiment":"neutral","sentiment_score":0.08854803442955017},{"text":"How are you?","start":72.905,"end":73.725,"sentiment":"neutral","sentiment_score":0.10381124416987102},{"text":"I'm very well.","start":76.345,"end":77.305,"sentiment":"neutral","sentiment_score":0.23324139416217804},{"text":"Thank you.","start":77.305,"end":78.045,"sentiment":"neutral","sentiment_score":0.19930198043584824},{"text":"Can you hear me okay?","start":78.105,"end":79.325005,"sentiment":"neutral","sentiment_score":0.04497904404997825}],"sentiment":"neutral","sentiment_score":0.12078354433178902,"num_words":15,"start":72.505005,"end":79.325005},{"sentences":[{"text":"Yep.","start":81.27,"end":81.67,"sentiment":"neutral","sentiment_score":0.08455361425876617},{"text":"Fantastic.","start":81.67,"end":82.17,"sentiment":"neutral","sentiment_score":0.31109142303466797},{"text":"So it was a little bit patchy on on my end.","start":82.229996,"end":84.39,"sentiment":"neutral","sentiment_score":-0.03952750800685449},{"text":"I thought maybe it was the both of us.","start":84.39,"end":86.31,"sentiment":"neutral","sentiment_score":-0.03221141298611959},{"text":"It's all good.","start":86.31,"end":87.13,"sentiment":"neutral","sentiment_score":0.198808083931605}],"sentiment":"neutral","sentiment_score":0.01069455936551094,"num_words":25,"start":81.27,"end":87.13},{"sentences":[{"text":"How's your fantastic.","start":88.869995,"end":91.13,"sentiment":"neutral","sentiment_score":0.2809692273537318},{"text":"How's your day been so far?","start":91.43,"end":93.049995,"sentiment":"neutral","sentiment_score":0.1982767457763354},{"text":"Yeah.","start":96.575,"end":97.075,"sentiment":"neutral","sentiment_score":0.016254138201475143},{"text":"No.","start":97.854996,"end":98.174995,"sentiment":"neutral","sentiment_score":-0.024305596947669983},{"text":"That's okay.","start":98.174995,"end":98.655,"sentiment":"neutral","sentiment_score":0.011974544941722341}],"sentiment":"neutral","sentiment_score":0.15757429137357365,"num_words":13,"start":88.869995,"end":98.655},{"sentences":[{"text":"I did have you booked in to go through and update your advice document to go through the updated one.","start":98.655,"end":104.015,"sentiment":"positive","sentiment_score":0.40634758919477465},{"text":"Is now still a good time to run through that?","start":104.015,"end":105.935,"sentiment":"positive","sentiment_score":0.5491192638874054},{"text":"I can try to do it as quickly as possible for you.","start":105.935,"end":108.435,"sentiment":"positive","sentiment_score":0.41270149250825244},{"text":"Mhmm.","start":119.68,"end":120.16,"sentiment":"neutral","sentiment_score":0.05577115714550018},{"text":"Yeah.","start":120.16,"end":120.4,"sentiment":"neutral","sentiment_score":0.10951916873455048}],"sentiment":"positive","sentiment_score":0.42581483315337787,"num_words":44,"start":98.655,"end":120.4},{"sentences":[{"text":"Yeah.","start":120.4,"end":120.8,"sentiment":"neutral","sentiment_score":0.1585797220468521},{"text":"Perfect.","start":120.8,"end":121.28,"sentiment":"positive","sentiment_score":0.6585788726806641},{"text":"Did did it seem to make much sense to you?","start":121.28,"end":123.735,"sentiment":"positive","sentiment_score":0.5026703625917435},{"text":"Do you have any questions that have come out of it so far?","start":123.735,"end":126.475,"sentiment":"neutral","sentiment_score":0.26594686393554395},{"text":"I'll go through and go through again the parts that I need to.","start":126.615,"end":129.815,"sentiment":"neutral","sentiment_score":0.23255454003810883}],"sentiment":"neutral","sentiment_score":0.3243258019026957,"num_words":38,"start":120.4,"end":129.815},{"sentences":[{"text":"But is there any questions that sort of came to mind as you were going through it?","start":129.815,"end":134.235,"sentiment":"neutral","sentiment_score":0.14608683437108994},{"text":"You're right.","start":141.06,"end":141.87999,"sentiment":"neutral","sentiment_score":0.09380799531936646},{"text":"Just a statement of advice.","start":150.155,"end":151.675,"sentiment":"neutral","sentiment_score":0.044693630933761594},{"text":"So can you see that document in the email there?","start":151.675,"end":154.015,"sentiment":"neutral","sentiment_score":0.03474435228854418},{"text":"Yeah.","start":156.55501,"end":157.05501,"sentiment":"neutral","sentiment_score":0.020568635314702988}],"sentiment":"neutral","sentiment_score":0.09321635679474899,"num_words":35,"start":129.815,"end":157.05501},{"sentences":[{"text":"Beautiful.","start":157.435,"end":157.935,"sentiment":"positive","sentiment_score":0.5010079741477966},{"text":"When you pull it up, I'll take you through the pages that we need to sort of focus on, and I'll see if I can answer any questions that you might have as well as I'm going through the things I need to.","start":159.755,"end":169.77,"sentiment":"neutral","sentiment_score":0.2410813323980154},{"text":"But if anything pops up, just let me know.","start":170.15,"end":172.23,"sentiment":"neutral","sentiment_score":0.07959871366620064},{"text":"Okay?","start":172.23,"end":172.73,"sentiment":"neutral","sentiment_score":0.05456206947565079},{"text":"Yep.","start":187.395,"end":187.895,"sentiment":"neutral","sentiment_score":0.020906521007418633}],"sentiment":"neutral","sentiment_score":0.21198840510438788,"num_words":55,"start":157.435,"end":187.895},{"sentences":[{"text":"And the statement of advice, it might be the one it probably won't be one of the attachments unless I that number is attached or not.","start":187.955,"end":199.66,"sentiment":"neutral","sentiment_score":-0.06413400703324722},{"text":"Sorry.","start":199.66,"end":200.16,"sentiment":"neutral","sentiment_score":-0.04208659008145332},{"text":"No.","start":202.94,"end":203.1,"sentiment":"neutral","sentiment_score":-0.08705532550811768},{"text":"You want the actual statement of advice.","start":203.1,"end":205.1,"sentiment":"neutral","sentiment_score":-0.04006294347345829},{"text":"The appendix is just the research conducted.","start":205.1,"end":207.435,"sentiment":"neutral","sentiment_score":0.008880865094917161}],"sentiment":"neutral","sentiment_score":-0.04797382493104253,"num_words":42,"start":187.955,"end":207.435},{"sentences":[{"text":"If you the SOA should be the one that has the sign buttons attached to it.","start":208.875,"end":220.235,"sentiment":"neutral","sentiment_score":0.04892548802308738},{"text":"So when you open the email, it should say it should have the document at the front there.","start":220.235,"end":225.16,"sentiment":"neutral","sentiment_score":0.09636696966158019},{"text":"It might even say view to sign or view to open.","start":225.16,"end":228.54001,"sentiment":"neutral","sentiment_score":0.03324022855270992},{"text":"Yeah.","start":233.05501,"end":233.375,"sentiment":"neutral","sentiment_score":0.16276812553405762},{"text":"That's the one.","start":233.375,"end":234.095,"sentiment":"neutral","sentiment_score":0.20265895128250122}],"sentiment":"neutral","sentiment_score":0.07456736236202474,"num_words":49,"start":208.875,"end":234.095},{"sentences":[{"text":"Yeah.","start":234.095,"end":234.575,"sentiment":"neutral","sentiment_score":0.17911100387573242},{"text":"So if you press the button and continue through, it'll let you look at the SOA without actually signing it.","start":234.575,"end":239.77501,"sentiment":"neutral","sentiment_score":0.14095570240169764},{"text":"You don't have to sign it yet.","start":239.77501,"end":241.315,"sentiment":"neutral","sentiment_score":0.06648797328983035},{"text":"Yep.","start":245.535,"end":246.035,"sentiment":"neutral","sentiment_score":0.1571553498506546},{"text":"And once you're in that document, if you go down to page number 25, I'll take you through the important parts of it, explain the bits and pieces, and then you'll be able to go back and reread it again later on if you want to.","start":246.72,"end":258.82,"sentiment":"neutral","sentiment_score":0.14917370498828267}],"sentiment":"neutral","sentiment_score":0.13977048859000207,"num_words":75,"start":234.095,"end":258.82},{"sentences":[{"text":"Okay.","start":261.165,"end":261.665,"sentiment":"neutral","sentiment_score":0.1602243185043335},{"text":"Perfect.","start":264.525,"end":265.025,"sentiment":"positive","sentiment_score":0.6779859662055969},{"text":"On the very front page, it will say statement of advice prepared for yourself.","start":265.325,"end":269.025,"sentiment":"neutral","sentiment_score":0.28176536730357576},{"text":"It's also got my registration and license number registered with ASIC, which is 1304394.","start":269.565,"end":275.745,"sentiment":"neutral","sentiment_score":0.14471874545727456},{"text":"And this is page 25.","start":278.88,"end":282.58002,"sentiment":"neutral","sentiment_score":0.03300052285194397}],"sentiment":"neutral","sentiment_score":0.1992568707891873,"num_words":35,"start":261.165,"end":282.58002},{"sentences":[{"text":"Yeah.","start":284.88,"end":285.36002,"sentiment":"neutral","sentiment_score":0.07667095959186554},{"text":"It'll have the investments noted on the heading.","start":285.36002,"end":288.66,"sentiment":"neutral","sentiment_score":0.09212536085397005},{"text":"Perfect.","start":291.255,"end":291.755,"sentiment":"positive","sentiment_score":0.5170913338661194},{"text":"Yep.","start":296.215,"end":296.715,"sentiment":"neutral","sentiment_score":0.231427401304245},{"text":"Perfect.","start":296.775,"end":297.275,"sentiment":"positive","sentiment_score":0.4515159130096435}],"sentiment":"neutral","sentiment_score":0.1678090412169695,"num_words":12,"start":284.88,"end":297.275},{"sentences":[{"text":"No.","start":302.13498,"end":302.455,"sentiment":"neutral","sentiment_score":-0.23180854320526123},{"text":"That's okay.","start":302.455,"end":303.255,"sentiment":"neutral","sentiment_score":-0.08141685277223587},{"text":"You're absolutely fine.","start":303.255,"end":304.955,"sentiment":"neutral","sentiment_score":0.2887072265148163},{"text":"You're absolutely fine.","start":305.33,"end":306.71,"sentiment":"neutral","sentiment_score":0.301729088028272},{"text":"Okay.","start":308.37,"end":308.87,"sentiment":"neutral","sentiment_score":0.14214439690113068}],"sentiment":"neutral","sentiment_score":0.15188110917806624,"num_words":10,"start":302.13498,"end":308.87},{"sentences":[{"text":"So in this one here, when you've got that investment table, just let me know, and I'll start sort of explaining the recommendations there to you.","start":309.01,"end":315.91,"sentiment":"neutral","sentiment_score":0.14775763652645624},{"text":"Beautiful.","start":318.195,"end":318.695,"sentiment":"positive","sentiment_score":0.6093045473098755},{"text":"Now with the investment table there, you'll see, essentially, we are looking to do a bit of an investment switch.","start":319.635,"end":324.355,"sentiment":"neutral","sentiment_score":0.16656013950705528},{"text":"So at the moment, you do have your three super funds.","start":324.355,"end":327.175,"sentiment":"neutral","sentiment_score":0.10313401303508064},{"text":"You've got your plum super, your Australian super, and your 100 twenty four.","start":327.475,"end":331.175,"sentiment":"neutral","sentiment_score":0.13179367379500315}],"sentiment":"neutral","sentiment_score":0.14971827873041932,"num_words":71,"start":309.01,"end":331.175},{"sentences":[{"text":"What I am gonna recommend with the insurances, because you've got about a 150,000 of life and TBD in Australian super, and you wanted to keep that amount, I'm gonna transfer that insurance from Australian super into hub twenty four.","start":331.35,"end":346.81,"sentiment":"neutral","sentiment_score":0.1302513331640512},{"text":"So the insurances will stay intact exactly as they are, but transferred into hub twenty four, and then we can close off Australian Super, and we can also close off and consolidate the plum super for you.","start":347.125,"end":358.885,"sentiment":"neutral","sentiment_score":0.2722036343168568},{"text":"Okay?","start":358.885,"end":359.385,"sentiment":"neutral","sentiment_score":0.1598859429359436},{"text":"Yeah.","start":364.6,"end":364.92,"sentiment":"neutral","sentiment_score":0.2874704897403717},{"text":"So we'll give you your employer contributions form so that they can pay those contributions in the hub twenty four.","start":364.92,"end":370.76,"sentiment":"neutral","sentiment_score":0.32686216160655024}],"sentiment":"neutral","sentiment_score":0.22491098445548555,"num_words":99,"start":331.35,"end":370.76},{"sentences":[{"text":"So we don't need to keep those two accounts open.","start":370.76,"end":372.92,"sentiment":"neutral","sentiment_score":0.2160329908132553},{"text":"We'll be able to close Plum Super, Australian Super, move everything into Hub twenty four so it's all in one place.","start":372.92,"end":378.94498,"sentiment":"positive","sentiment_score":0.40965187265759423},{"text":"And with the insurances within AustralianSuper, we'll transfer those into Hub twenty four as well.","start":379.245,"end":385.345,"sentiment":"neutral","sentiment_score":0.21762769023577372},{"text":"Okay?","start":385.485,"end":385.985,"sentiment":"neutral","sentiment_score":0.08951906859874725},{"text":"No.","start":390.38998,"end":390.63,"sentiment":"neutral","sentiment_score":-0.1716518998146057}],"sentiment":"neutral","sentiment_score":0.29052711992214125,"num_words":48,"start":370.76,"end":390.63},{"sentences":[{"text":"We'll give you the form to do the transfer.","start":390.63,"end":392.57,"sentiment":"neutral","sentiment_score":-0.10790684695045154},{"text":"Yeah.","start":392.79,"end":393.29,"sentiment":"neutral","sentiment_score":0.03896703198552132},{"text":"Yeah.","start":398.07,"end":398.55,"sentiment":"neutral","sentiment_score":0.07039639353752136},{"text":"Yeah.","start":398.55,"end":398.87,"sentiment":"neutral","sentiment_score":0.0996677428483963},{"text":"Yeah.","start":398.87,"end":399.19,"sentiment":"neutral","sentiment_score":0.16192835569381714}],"sentiment":"neutral","sentiment_score":-0.046169392191446744,"num_words":13,"start":390.63,"end":399.19},{"sentences":[{"text":"This will be this document is the statement of advice.","start":399.19,"end":401.99,"sentiment":"neutral","sentiment_score":0.24403861910104752},{"text":"So it's basically our recommendation for what we wanna do to help you meet your goals and move forward.","start":401.99,"end":407.05502,"sentiment":"positive","sentiment_score":0.4854641933190195},{"text":"And if you're comfortable proceeding, we'll get you to sign this one, return it back, and then we'll start the process and get the forms required to help you along.","start":407.43503,"end":415.375,"sentiment":"neutral","sentiment_score":0.2517274330059687},{"text":"Okay?","start":415.435,"end":415.935,"sentiment":"neutral","sentiment_score":0.10292180627584456},{"text":"Yes.","start":419.95,"end":420.45,"sentiment":"neutral","sentiment_score":0.031218668445944783}],"sentiment":"neutral","sentiment_score":0.31721589063889666,"num_words":61,"start":399.19,"end":420.45},{"sentences":[{"text":"There's a lot.","start":428.43,"end":429.49,"sentiment":"neutral","sentiment_score":-0.24461742242177328},{"text":"Yeah.","start":430.03,"end":430.53,"sentiment":"neutral","sentiment_score":-0.04324183613061905},{"text":"No.","start":441.915,"end":442.07498,"sentiment":"neutral","sentiment_score":-0.25227367877960205},{"text":"No.","start":442.07498,"end":442.235,"sentiment":"neutral","sentiment_score":-0.2460225373506546},{"text":"Of course.","start":442.235,"end":442.715,"sentiment":"neutral","sentiment_score":-0.1644778922200203}],"sentiment":"neutral","sentiment_score":-0.20054326299577951,"num_words":8,"start":428.43,"end":442.715},{"sentences":[{"text":"Understandable.","start":442.715,"end":443.215,"sentiment":"neutral","sentiment_score":-0.07317283004522324},{"text":"Well, the benefit to that is that Hub twenty four, the same as every other super fund out there, is legislated by the government.","start":443.51498,"end":449.775,"sentiment":"neutral","sentiment_score":0.19315867715825638},{"text":"So, essentially, hub twenty four, the super fund itself is just the investment vehicle.","start":451.17,"end":455.59,"sentiment":"neutral","sentiment_score":0.053455602776791365},{"text":"Your money is actually invested into those investments you see underlined there.","start":455.89,"end":460.37,"sentiment":"neutral","sentiment_score":0.08518015810598929},{"text":"So if, say, hub twenty four had an issue and it went bad, you wouldn't lose your money because it's still invested in these sorts of areas here.","start":460.37,"end":468.635,"sentiment":"neutral","sentiment_score":-0.006879814143758267}],"sentiment":"neutral","sentiment_score":0.07772836660600821,"num_words":79,"start":442.715,"end":468.635},{"sentences":[{"text":"So those investments could be moved to another platform.","start":468.695,"end":471.335,"sentiment":"neutral","sentiment_score":-0.006104879081249237},{"text":"We could sell out of them.","start":471.335,"end":472.695,"sentiment":"neutral","sentiment_score":-0.004696992536385855},{"text":"There'd be a whole bunch of things that can be done.","start":472.695,"end":474.955,"sentiment":"neutral","sentiment_score":0.037375401366840706},{"text":"But, essentially, if hub twenty four as a super fund was to go, you know, completely broke because, you know, the investments were basically zero, then it would essentially mean that every other super fund has done the exact same thing.","start":475.44,"end":487.68,"sentiment":"neutral","sentiment_score":-0.2624636454189696},{"text":"That would have to be a pretty drastic problem to have where super funds everywhere would go broke.","start":487.68,"end":494.015,"sentiment":"negative","sentiment_score":-0.3765163868665695}],"sentiment":"neutral","sentiment_score":-0.20247412797282724,"num_words":85,"start":468.695,"end":494.015},{"sentences":[{"text":"So it's not something that we expect to happen, obviously, but, look, keeping the free funds open is quite expensive, and I'll show you the cost there at the moment.","start":494.015,"end":505.315,"sentiment":"neutral","sentiment_score":-0.20664839297533036},{"text":"Consolidating to one place is really the best idea, and we monitor and look after this for you.","start":505.62,"end":511.86002,"sentiment":"neutral","sentiment_score":0.2963339338699977},{"text":"So we can check what's happening with Hub twenty four.","start":511.86002,"end":514.5,"sentiment":"neutral","sentiment_score":0.10293681696057319},{"text":"If there's any risk that you're gonna lose a lot of money, then we'll try to move everything out quickly and buy and change the investments that way.","start":514.5,"end":521.055,"sentiment":"neutral","sentiment_score":-0.02875874763620751},{"text":"Everything is continuously working for you.","start":521.055,"end":523.215,"sentiment":"positive","sentiment_score":0.5072488039731979}],"sentiment":"neutral","sentiment_score":0.026110598695990833,"num_words":92,"start":494.015,"end":523.215},{"sentences":[{"text":"So, you know, it's only a very small risk that super funds anywhere are gonna go broke and that you'll lose any of your money.","start":523.215,"end":530.175,"sentiment":"neutral","sentiment_score":-0.07995485961437225},{"text":"And if it's something that happens, it's gonna happen to an industry fund before it happens to a retail fund.","start":530.175,"end":535.11,"sentiment":"neutral","sentiment_score":-0.12947992384433746},{"text":"Okay?","start":537.51,"end":538.01,"sentiment":"neutral","sentiment_score":0.13556213676929474},{"text":"All good.","start":538.14996,"end":538.97,"sentiment":"positive","sentiment_score":0.4502384215593338},{"text":"I've honestly never seen a super fund go broke in Australia before, so it's it's actually not too not not something you need to really worry too much about.","start":539.11,"end":547.13,"sentiment":"neutral","sentiment_score":0.2621796190224845}],"sentiment":"neutral","sentiment_score":0.05260750602979165,"num_words":77,"start":523.215,"end":547.13},{"sentences":[{"text":"Yeah.","start":549.405,"end":549.905,"sentiment":"neutral","sentiment_score":0.19248220324516296},{"text":"All good.","start":550.365,"end":551.025,"sentiment":"neutral","sentiment_score":0.32564616203308105},{"text":"So, yeah, with the sorry.","start":551.805,"end":553.565,"sentiment":"neutral","sentiment_score":0.020360159501433373},{"text":"You're right?","start":553.565,"end":554.22504,"sentiment":"neutral","sentiment_score":0.0008000973612070084},{"text":"That's okay.","start":561.25,"end":561.89,"sentiment":"neutral","sentiment_score":-0.008811499923467638}],"sentiment":"neutral","sentiment_score":0.07746270997449756,"num_words":12,"start":549.405,"end":561.89},{"sentences":[{"text":"I'm still just looking at page number 25 there.","start":561.89,"end":564.85,"sentiment":"neutral","sentiment_score":0.009096374476535453},{"text":"So with the investment, as I mentioned, we're recommending that we roll you out of Plum Super and Australian Super and consolidate everything into Hub twenty four.","start":564.85,"end":573.43,"sentiment":"neutral","sentiment_score":0.07522524838094358},{"text":"Within Hub twenty four, I'm also gonna switch the investments a little bit because some of them have been underperforming, and we wanna obviously make sure we're diversifying and lowering your risk level as much as possible and minimizing fees.","start":573.625,"end":585.085,"sentiment":"neutral","sentiment_score":0.1095315594226122},{"text":"So I'm gonna be selling off all the Benelon Australian equities.","start":585.63995,"end":588.94,"sentiment":"neutral","sentiment_score":0.025164025751027195},{"text":"I'll sell off all the Vanguard diversified index fund, all the global health care fund, and all of the Asia fund there.","start":589.16,"end":595.89996,"sentiment":"neutral","sentiment_score":0.08434376035901633}],"sentiment":"neutral","sentiment_score":0.07914292169393065,"num_words":109,"start":561.89,"end":595.89996},{"sentences":[{"text":"We're also gonna be selling off the battery and lithium tech and the agriculture fund, and we're gonna be buying more into the cybersecurity.","start":595.95996,"end":603.14496,"sentiment":"neutral","sentiment_score":0.12404263609399398},{"text":"We'll buy more into the Europe and The US exposure.","start":603.925,"end":606.745,"sentiment":"neutral","sentiment_score":0.11071096882224082},{"text":"We'll buy more into Japan.","start":607.045,"end":608.58496,"sentiment":"neutral","sentiment_score":0.13710640370845795},{"text":"We're buying into the all world index fund, which is the one on page number 26 for you.","start":608.96497,"end":615.225,"sentiment":"neutral","sentiment_score":0.211398190094365},{"text":"Okay?","start":615.66,"end":616.16,"sentiment":"neutral","sentiment_score":0.1276012361049652}],"sentiment":"neutral","sentiment_score":0.15004195915213947,"num_words":58,"start":595.95996,"end":616.16},{"sentences":[{"text":"We're gonna also buy the Australian 200, which is the top 200 companies on the Australian ASX, and then we're also gonna buy physical gold.","start":616.94,"end":626.16,"sentiment":"neutral","sentiment_score":0.24175744771957397},{"text":"And the last investment is the core composite bonds, So having some lower risk defensive investments as well there for you.","start":626.45996,"end":633.39496,"sentiment":"neutral","sentiment_score":0.3086813415090243},{"text":"So, essentially, that's what you're gonna see.","start":633.615,"end":635.45496,"sentiment":"neutral","sentiment_score":0.28729786404541563},{"text":"All the green ones are what we're gonna buy into, and all the red ones are what we're gonna sell off.","start":635.45496,"end":640.755,"sentiment":"neutral","sentiment_score":0.13795596769168264},{"text":"Does that make sense?","start":640.89496,"end":641.95496,"sentiment":"neutral","sentiment_score":0.11479112505912781}],"sentiment":"neutral","sentiment_score":0.22940473377895662,"num_words":78,"start":616.94,"end":641.95496},{"sentences":[{"text":"Yeah.","start":644.97003,"end":645.45,"sentiment":"neutral","sentiment_score":0.15150821208953855},{"text":"That's okay.","start":645.45,"end":646.27,"sentiment":"neutral","sentiment_score":0.25416092574596405},{"text":"That's alright.","start":646.33,"end":647.13,"sentiment":"neutral","sentiment_score":0.26310165226459503},{"text":"I won't go too far into them, but, essentially, this is just removing some of the investments that have been underperforming and not performing as well.","start":647.13,"end":654.43,"sentiment":"neutral","sentiment_score":-0.11325118117607556},{"text":"The newer investments are lower cost.","start":655.21,"end":657.21,"sentiment":"positive","sentiment_score":0.4090416630109151}],"sentiment":"neutral","sentiment_score":0.01880412528643737,"num_words":37,"start":644.97003,"end":657.21},{"sentences":[{"text":"They're well diversified.","start":657.21,"end":658.19,"sentiment":"positive","sentiment_score":0.6165950099627177},{"text":"It's about making sure you're lowering your risk level in your portfolio, but also investing in areas where we see great potential growth.","start":658.41003,"end":665.405,"sentiment":"positive","sentiment_score":0.40787877624287555},{"text":"And I know there's a lot going on with The US and Iran out there at the moment, but The US market is still not bad and has seen some really good growth over the past month even with what's happening out there at the at the time.","start":665.405,"end":677.82,"sentiment":"neutral","sentiment_score":0.23844931515244147},{"text":"So it is still a really good place to be invested.","start":677.82,"end":681.84,"sentiment":"positive","sentiment_score":0.7157086350701072},{"text":"By removing the Benelon Australian Equities, which is at 35% on the bottom there of the 20 page 25.","start":682.62,"end":689.315,"sentiment":"neutral","sentiment_score":0.11470715525118928}],"sentiment":"neutral","sentiment_score":0.31469995140706974,"num_words":104,"start":657.21,"end":689.315},{"sentences":[{"text":"Bennelong only has about 20 to 30 different investment options in it.","start":689.85504,"end":694.675,"sentiment":"neutral","sentiment_score":0.06699507683515549},{"text":"So I'm replacing that with the BetaShares a 200, which is gonna see 25% invested in there, and that's the third one down on page 26.","start":694.97504,"end":704.32,"sentiment":"neutral","sentiment_score":0.12370755666723618},{"text":"Okay.","start":705.1,"end":705.6,"sentiment":"neutral","sentiment_score":0.166030615568161},{"text":"Yeah.","start":706.3,"end":706.7,"sentiment":"neutral","sentiment_score":0.22711598873138428},{"text":"So that investment there essentially is giving you access to the top 200 companies on the Australian stock market.","start":706.7,"end":715.27997,"sentiment":"neutral","sentiment_score":0.3137327056182058}],"sentiment":"neutral","sentiment_score":0.1758373797697536,"num_words":59,"start":689.85504,"end":715.27997},{"sentences":[{"text":"So, realistically, when we're replacing an investment with 25 or 30 different investments in it with something with 200 investments in it, you're essentially creating greater diversification and lowering your risk level.","start":715.33997,"end":727.805,"sentiment":"neutral","sentiment_score":0.32808400550857186},{"text":"So it is helping to spread your risk out much further.","start":727.805,"end":730.76996,"sentiment":"positive","sentiment_score":0.4107702238993211},{"text":"Does that make sense?","start":730.76996,"end":731.99,"sentiment":"neutral","sentiment_score":0.160719845443964},{"text":"Yeah.","start":734.44995,"end":734.94995,"sentiment":"neutral","sentiment_score":0.14915001392364502},{"text":"It's all good.","start":735.41,"end":736.31,"sentiment":"neutral","sentiment_score":0.2460929900407791}],"sentiment":"neutral","sentiment_score":0.3244601765684053,"num_words":51,"start":715.33997,"end":736.31},{"sentences":[{"text":"I will look after you.","start":737.17,"end":738.37,"sentiment":"neutral","sentiment_score":0.13016684204339982},{"text":"I promise, Brenda.","start":738.37,"end":739.32996,"sentiment":"neutral","sentiment_score":0.11459108193715413},{"text":"Don't worry.","start":739.32996,"end":740.23,"sentiment":"neutral","sentiment_score":0.0627277959138155},{"text":"It is yeah.","start":741.25,"end":752.525,"sentiment":"neutral","sentiment_score":-0.016217658296227455},{"text":"Oh, yeah.","start":752.525,"end":753.265,"sentiment":"neutral","sentiment_score":-0.01192739512771368}],"sentiment":"neutral","sentiment_score":0.06983701884746552,"num_words":15,"start":737.17,"end":753.265},{"sentences":[{"text":"That's okay.","start":753.405,"end":754.22504,"sentiment":"neutral","sentiment_score":0.01798005821183324},{"text":"That's okay.","start":755.89996,"end":756.8,"sentiment":"neutral","sentiment_score":-0.042601950466632836},{"text":"As I said, I'll go through this now with you, then you can go back and have a bit of a read through it page by page, take it minute by minute, and let me know if you do happen to have any additional questions there.","start":757.01996,"end":767.44,"sentiment":"neutral","sentiment_score":0.13146456298620804},{"text":"This is just giving you an outline of what we're gonna make the changes to in the investment wise.","start":767.95496,"end":773.555,"sentiment":"neutral","sentiment_score":0.1723377333071671},{"text":"I won't go into too much detail and make it too confusing.","start":773.555,"end":776.535,"sentiment":"neutral","sentiment_score":-0.07329614522556464}],"sentiment":"neutral","sentiment_score":0.10361715188870828,"num_words":81,"start":753.405,"end":776.535},{"sentences":[{"text":"But when you have time to go through it properly, let me know if there's any questions there.","start":777.475,"end":782.19495,"sentiment":"neutral","sentiment_score":0.11538921379380757},{"text":"Okay?","start":782.19495,"end":782.69495,"sentiment":"neutral","sentiment_score":0.0814623236656189},{"text":"Now with regard to the fees, to show you why I'm making the changes, if you go to page 28, you'll see there's a fee table there.","start":784.49,"end":791.71,"sentiment":"neutral","sentiment_score":0.05671382819612821},{"text":"Beautiful.","start":795.05,"end":795.55,"sentiment":"positive","sentiment_score":0.6412118077278137},{"text":"So the current side of that fee table shows you have 24, your plum super, and your Australian super, and you've got the administration fees and investment fees, your adviser fee coming out here, contributions going in, and the insurance premiums that you're paying for AustralianSuper there as well.","start":796.125,"end":812.91,"sentiment":"positive","sentiment_score":0.35932618257950766}],"sentiment":"neutral","sentiment_score":0.22852016966013858,"num_words":96,"start":777.475,"end":812.91},{"sentences":[{"text":"Okay?","start":812.91,"end":813.41,"sentiment":"neutral","sentiment_score":0.22818642854690552},{"text":"With making the changes, your insurance premiums will still continue.","start":815.70996,"end":819.57,"sentiment":"positive","sentiment_score":0.4060401290655136},{"text":"We can transfer the insurances to come out of hub twenty four so everything can be consolidated.","start":819.87,"end":824.69,"sentiment":"positive","sentiment_score":0.36905762465561137},{"text":"But you can see by putting the money into hub twenty four, you end up with more money at the beginning in one place.","start":825.70496,"end":831.545,"sentiment":"positive","sentiment_score":0.5657800709207853},{"text":"And then you're also saving.","start":831.545,"end":832.985,"sentiment":"positive","sentiment_score":0.5433567643165589}],"sentiment":"positive","sentiment_score":0.4711942607373522,"num_words":57,"start":812.91,"end":832.985},{"sentences":[{"text":"Your investment fees go down.","start":832.985,"end":834.745,"sentiment":"positive","sentiment_score":0.5631070673465729},{"text":"So you actually save $481 on investment fees, and you save $67 on administration fees.","start":834.745,"end":843.25,"sentiment":"positive","sentiment_score":0.570706170797348},{"text":"Okay?","start":843.31,"end":843.81,"sentiment":"neutral","sentiment_score":0.23050051927566528},{"text":"Beautiful.","start":845.15,"end":845.65,"sentiment":"positive","sentiment_score":0.4853749275207519},{"text":"Now the downside is that Hub twenty four will charge more for the insurances, but when we weigh up the amount you'll be paying for the insurances plus the decrease in administration fees and investment fees, plus the higher performance of the fund, when you project that forward, you're actually gonna be in a greater position over the next five to ten years than you would be if you stayed where you are.","start":845.87,"end":869.065,"sentiment":"neutral","sentiment_score":0.09137766522495713}],"sentiment":"neutral","sentiment_score":0.19750076744117234,"num_words":95,"start":832.985,"end":869.065},{"sentences":[{"text":"So if you look at table underneath that, you've actually got the projection outcome of if we stayed where you are with everything as it is currently in the three funds or the recommended if we consolidate everything into one place and alter the portfolio as on page twenty five and twenty six.","start":869.065,"end":887.985,"sentiment":"neutral","sentiment_score":0.10732431428612403},{"text":"Can you see that there?","start":888.125,"end":889.425,"sentiment":"neutral","sentiment_score":0.05332233682274819},{"text":"Yeah.","start":891.725,"end":892.225,"sentiment":"neutral","sentiment_score":0.024106677621603012},{"text":"Yeah.","start":893.005,"end":893.505,"sentiment":"neutral","sentiment_score":0.12905386090278623},{"text":"So it essentially shows that if you stayed where you are over the next sort of five to ten years, you could end up with about a 199,000 or 285,000.","start":893.565,"end":902.89,"sentiment":"neutral","sentiment_score":0.15749968054393929}],"sentiment":"neutral","sentiment_score":0.12036612551245425,"num_words":90,"start":869.065,"end":902.89},{"sentences":[{"text":"Whereas by taking the recommendation consolidating paying less fees, you can end the greater performance from the portfolio over the next five to ten years could actually see you increase to, in five years, see at around about 247,000 or in ten years over 443,000.","start":903.19,"end":921.10504,"sentiment":"positive","sentiment_score":0.48501643935839334},{"text":"Yeah.","start":923.565,"end":924.065,"sentiment":"positive","sentiment_score":0.452830582857132},{"text":"So there is there is a, you know, a base for making the recommendations, putting everything in one place.","start":924.205,"end":929.49,"sentiment":"neutral","sentiment_score":0.31967440090681376},{"text":"I can keep your insurances in AustralianSuper exactly as they are and just move them to hub twenty four, and we can consolidate everything.","start":929.49,"end":936.93,"sentiment":"positive","sentiment_score":0.345912375797828},{"text":"That way, you still have that one fifty of life cover, of TBD cover there as well, and then we can move everything into hub twenty four and have it all invested into one place.","start":936.93,"end":946.145,"sentiment":"neutral","sentiment_score":0.30458219775131773}],"sentiment":"positive","sentiment_score":0.381569821868212,"num_words":124,"start":903.19,"end":946.145},{"sentences":[{"text":"We can give you the contributions form to give to your employer so that your contributions are moved to hub twenty four as well.","start":946.525,"end":953.485,"sentiment":"neutral","sentiment_score":0.19510697945952415},{"text":"Okay?","start":953.485,"end":953.985,"sentiment":"neutral","sentiment_score":0.07015424966812134},{"text":"Yeah.","start":961.69,"end":962.19,"sentiment":"neutral","sentiment_score":0.0008237473666667938},{"text":"Yeah.","start":963.13,"end":963.63,"sentiment":"neutral","sentiment_score":-0.016601713374257088},{"text":"And if you decide to it doesn't look like there's anything going in there now.","start":963.69,"end":967.95,"sentiment":"neutral","sentiment_score":-0.004199983924627304}],"sentiment":"neutral","sentiment_score":0.11128438170999289,"num_words":42,"start":946.525,"end":967.95},{"sentences":[{"text":"But if you decide to salary sacrifice down the track, let me know because you can sell back into Hub twenty four as well, and we can always help you to do that.","start":968.475,"end":976.175,"sentiment":"neutral","sentiment_score":0.09058012655287077},{"text":"Yep.","start":983.70996,"end":984.20996,"sentiment":"neutral","sentiment_score":0.021633919328451157},{"text":"Yep.","start":985.79,"end":986.26996,"sentiment":"neutral","sentiment_score":0.14281025528907776},{"text":"Perfect.","start":986.26996,"end":986.76996,"sentiment":"positive","sentiment_score":0.4702502489089966},{"text":"Perfect.","start":987.70996,"end":988.20996,"sentiment":"positive","sentiment_score":0.44508039951324463}],"sentiment":"neutral","sentiment_score":0.1099707837644461,"num_words":37,"start":968.475,"end":988.20996},{"sentences":[{"text":"Now, Brenda, if you scroll down a little bit to the next page, the other thing you wanted me to look up was the insurances as well.","start":989.55,"end":996.26996,"sentiment":"neutral","sentiment_score":0.10149002930632343},{"text":"So as I mentioned, we are transferring your life and TBD into hub twenty four, but you also wanted me to look at getting some income protection.","start":996.26996,"end":1006.335,"sentiment":"neutral","sentiment_score":0.10471813049581316},{"text":"So if in the event you were unable to go to work in the short term, you could claim a monthly benefit under income protection because you don't seem to have any at the moment.","start":1006.555,"end":1014.99,"sentiment":"neutral","sentiment_score":0.06921003865344184},{"text":"Okay?","start":1014.99,"end":1015.49,"sentiment":"neutral","sentiment_score":0.08753864467144012},{"text":"Yeah.","start":1016.91003,"end":1017.39,"sentiment":"neutral","sentiment_score":0.0009983292547985911}],"sentiment":"neutral","sentiment_score":0.08877482023576254,"num_words":91,"start":989.55,"end":1017.39},{"sentences":[{"text":"So I am recommending that we do apply, and this is on page number 30 for you.","start":1017.39,"end":1021.97003,"sentiment":"neutral","sentiment_score":0.2628295553081176},{"text":"But this is essentially that we do apply for income protection through Neos with a monthly benefit amount of $6,416.","start":1022.19,"end":1031.465,"sentiment":"neutral","sentiment_score":0.23665651232004165},{"text":"It's it'll have a thirty day waiting period and a two year benefit period.","start":1032.005,"end":1036.3251,"sentiment":"neutral","sentiment_score":0.19942655840090343},{"text":"So that means that you if you are unable to go to work, you just have to be off work for thirty days prior to you making a claim, and you can be on a claim for up to two years.","start":1036.3251,"end":1045.65,"sentiment":"neutral","sentiment_score":0.13707594037419413},{"text":"Okay?","start":1045.87,"end":1046.37,"sentiment":"neutral","sentiment_score":0.13275618851184845}],"sentiment":"neutral","sentiment_score":0.1908180026677988,"num_words":93,"start":1017.39,"end":1046.37},{"sentences":[{"text":"Beautiful.","start":1048.19,"end":1048.69,"sentiment":"positive","sentiment_score":0.7365270256996155},{"text":"This the cost of this for the year would come out of super, the same as your life in TBD, and it would be approximately $2,120.91.","start":1049.71,"end":1060.085,"sentiment":"neutral","sentiment_score":0.26117346665033925},{"text":"So in that table above there where we talked about the insurance premium, that $2.06 $8.03, that is the cost of the transfer of the life and TBD and the cost of this income protection policy.","start":1060.085,"end":1071.4,"sentiment":"neutral","sentiment_score":0.07636861761824952},{"text":"Okay?","start":1071.7001,"end":1072.2001,"sentiment":"neutral","sentiment_score":0.018151499330997467},{"text":"What page are you on?","start":1077.4601,"end":1078.84,"sentiment":"neutral","sentiment_score":-0.03934381864964962}],"sentiment":"neutral","sentiment_score":0.14634405505721984,"num_words":69,"start":1048.19,"end":1078.84},{"sentences":[{"text":"We can post the hard copy too if you like.","start":1083.275,"end":1085.275,"sentiment":"neutral","sentiment_score":0.0002729533240199089},{"text":"Yeah.","start":1085.275,"end":1085.515,"sentiment":"neutral","sentiment_score":0.0661366879940033},{"text":"Definitely.","start":1085.515,"end":1086.015,"sentiment":"neutral","sentiment_score":0.11400970071554184},{"text":"Yeah.","start":1094.235,"end":1094.735,"sentiment":"neutral","sentiment_score":-0.06715553998947144},{"text":"The email.","start":1099.01,"end":1099.67,"sentiment":"neutral","sentiment_score":-0.12178949639201164}],"sentiment":"neutral","sentiment_score":-0.008523907388250034,"num_words":15,"start":1083.275,"end":1099.67},{"sentences":[{"text":"Yeah.","start":1104.93,"end":1105.3301,"sentiment":"neutral","sentiment_score":-0.029082821682095528},{"text":"That's fine.","start":1105.3301,"end":1106.23,"sentiment":"neutral","sentiment_score":0.09502351051196456},{"text":"No.","start":1107.17,"end":1107.3301,"sentiment":"neutral","sentiment_score":-0.1812763512134552},{"text":"That's okay.","start":1107.3301,"end":1108.15,"sentiment":"neutral","sentiment_score":-0.13807162269949913},{"text":"Yeah.","start":1118.925,"end":1119.245,"sentiment":"neutral","sentiment_score":0.055825620889663696}],"sentiment":"neutral","sentiment_score":-0.0343756823401366,"num_words":7,"start":1104.93,"end":1119.245},{"sentences":[{"text":"That's fine.","start":1119.245,"end":1119.965,"sentiment":"neutral","sentiment_score":0.032973749563097954},{"text":"I can get someone to post that to you next week, and it might take about a week or two to come through.","start":1119.965,"end":1125.345,"sentiment":"neutral","sentiment_score":0.09671051346737405},{"text":"No.","start":1133.25,"end":1133.49,"sentiment":"neutral","sentiment_score":-0.03169671446084976},{"text":"That's okay.","start":1133.49,"end":1134.05,"sentiment":"neutral","sentiment_score":0.02815916482359171},{"text":"Keeping in mind, you don't have to sign anything.","start":1134.05,"end":1136.4501,"sentiment":"neutral","sentiment_score":0.047310510029395424}],"sentiment":"neutral","sentiment_score":0.0740731220088295,"num_words":37,"start":1119.245,"end":1136.4501},{"sentences":[{"text":"So you can escape out of that.","start":1136.4501,"end":1138.05,"sentiment":"neutral","sentiment_score":0.04965702710407121},{"text":"It's not asking you to sign that document today by no means.","start":1138.05,"end":1141.59,"sentiment":"neutral","sentiment_score":-0.00998398195952177},{"text":"It's just kinda going through the sections there.","start":1141.995,"end":1144.795,"sentiment":"neutral","sentiment_score":0.023182466626167297},{"text":"But if you wanna put this up, I can rebook it for in two weeks if you like, and we can get the document posted to you next week.","start":1144.795,"end":1151.375,"sentiment":"neutral","sentiment_score":0.10141658025055096},{"text":"Yep.","start":1155.88,"end":1156.28,"sentiment":"neutral","sentiment_score":0.16537021100521088}],"sentiment":"neutral","sentiment_score":0.061749161008680074,"num_words":57,"start":1136.4501,"end":1156.28},{"sentences":[{"text":"Perfect.","start":1156.28,"end":1156.76,"sentiment":"positive","sentiment_score":0.4030057489871979},{"text":"No problem at all.","start":1156.76,"end":1157.64,"sentiment":"neutral","sentiment_score":0.2664831653237343},{"text":"So if I rebook it for two weeks for you, that'll be Thursday, June 4.","start":1157.64,"end":1163.6399,"sentiment":"neutral","sentiment_score":0.09405150090654692},{"text":"Did you want in the afternoon about the same time?","start":1163.64,"end":1166.2001,"sentiment":"neutral","sentiment_score":0.03471395131200552},{"text":"Or Yep.","start":1166.2001,"end":1169.135,"sentiment":"neutral","sentiment_score":0.14295564219355583}],"sentiment":"neutral","sentiment_score":0.10977380379335955,"num_words":32,"start":1156.28,"end":1169.135},{"sentences":[{"text":"Beautiful.","start":1169.1951,"end":1169.6951,"sentiment":"positive","sentiment_score":0.44583141803741455},{"text":"Lovely.","start":1172.3151,"end":1172.8151,"sentiment":"positive","sentiment_score":0.4116916954517365},{"text":"That's two weeks.","start":1173.995,"end":1175.135,"sentiment":"neutral","sentiment_score":0.08521876980861028},{"text":"Beautiful.","start":1194.45,"end":1194.95,"sentiment":"positive","sentiment_score":0.5338208079338074},{"text":"I'll pop it in there for you.","start":1195.0099,"end":1196.37,"sentiment":"neutral","sentiment_score":0.2892425166709082}],"sentiment":"neutral","sentiment_score":0.2824382959650113,"num_words":13,"start":1169.1951,"end":1196.37},{"sentences":[{"text":"It'll be 03:30 my time, which is 03:00 your time, the same as we have today, and I'll get someone to post those to you early next week.","start":1196.37,"end":1205.525,"sentiment":"neutral","sentiment_score":0.1557591658617769},{"text":"Okay?","start":1205.525,"end":1206.025,"sentiment":"neutral","sentiment_score":0.10916897654533386},{"text":"Beautiful.","start":1208.565,"end":1209.065,"sentiment":"positive","sentiment_score":0.4260873198509216},{"text":"No.","start":1213.86,"end":1214.02,"sentiment":"neutral","sentiment_score":-0.024461494758725166},{"text":"That's okay.","start":1214.02,"end":1214.58,"sentiment":"neutral","sentiment_score":0.05885108094662428}],"sentiment":"neutral","sentiment_score":0.15120465477759187,"num_words":33,"start":1196.37,"end":1214.58},{"sentences":[{"text":"Not a problem at all.","start":1214.58,"end":1215.86,"sentiment":"neutral","sentiment_score":0.29402272701263427},{"text":"I've rebooked that one for you.","start":1215.86,"end":1217.22,"sentiment":"positive","sentiment_score":0.35907435913880664},{"text":"I'll get someone to post it.","start":1217.22,"end":1218.26,"sentiment":"neutral","sentiment_score":0.3098268856604894},{"text":"In the meantime, if you are able to get into your emails and whatever, have a bit of a look at it, absolutely fine.","start":1218.26,"end":1223.16,"sentiment":"positive","sentiment_score":0.42277638365825015},{"text":"And, again, if you do have any questions, just let me know.","start":1223.46,"end":1225.86,"sentiment":"neutral","sentiment_score":0.1984078325331211}],"sentiment":"positive","sentiment_score":0.3398311000387624,"num_words":53,"start":1214.58,"end":1225.86},{"sentences":[{"text":"Okay?","start":1225.86,"end":1226.36,"sentiment":"neutral","sentiment_score":0.08941426873207092},{"text":"Yep.","start":1235.495,"end":1235.995,"sentiment":"neutral","sentiment_score":0.057443827390670776},{"text":"Yep.","start":1243.18,"end":1243.68,"sentiment":"neutral","sentiment_score":0.0970974713563919},{"text":"No worries at all.","start":1247.26,"end":1248.46,"sentiment":"positive","sentiment_score":0.441430889070034},{"text":"Thanks so much.","start":1248.46,"end":1249.26,"sentiment":"positive","sentiment_score":0.8526971538861593}],"sentiment":"positive","sentiment_score":0.45677705854177475,"num_words":10,"start":1225.86,"end":1249.26},{"sentences":[{"text":"I'll talk to you soon, Brenda.","start":1249.26,"end":1250.46,"sentiment":"positive","sentiment_score":0.6325723628203074},{"text":"You have a good afternoon.","start":1250.46,"end":1251.52,"sentiment":"positive","sentiment_score":0.7404898166656494},{"text":"Thanks.","start":1253.74,"end":1254.14,"sentiment":"positive","sentiment_score":0.6935168504714966},{"text":"See you later.","start":1254.14,"end":1254.78,"sentiment":"positive","sentiment_score":0.5806194345156351},{"text":"Bye.","start":1254.78,"end":1255.28,"sentiment":"neutral","sentiment_score":-0.11342448741197586}],"sentiment":"positive","sentiment_score":0.6137396204285324,"num_words":16,"start":1249.26,"end":1255.28}]}}]},{"alternatives":[{"transcript":"Hi, Dana. How are you? Yeah. Good. I've got Brenda for you. Get it done and out of the way. Who am I? Catherine who? Oh my goodness. Oh my goodness. Yeah. Oh my goodness. Oh my goodness. Well, have fun. I'll transfer you through now. Alright. Now you're done. You got it? All good. Alrighty. Have fun. I'm doing okay. How are you? Better? Yes. Yes. I I can hear you. Yeah. Long. Yeah. Long. Yeah. Because I because I, you know, I don't have my emails access to my emails on the laptop, so I'll just read briefly through the text that you sent. Yeah. Yeah. Yep. I thought I was gonna just check the email now. Where is it now? So which one did you wanna start with, or do you wanna yep. I'm just pulling it up. Where is this email or two? Okay. So it's got all the forms. So, yep, financial services guide, the IT guide, tab 24 product statements, insurance line, appendix statement. Yep. All of those. Yeah. Appendix to the SOA? Yeah. No. I'm trying to book that one or sign document that one. Okay. So I click to start. Okay. So yep. So that one What page was that? 50 six six eight or Page 25. Yep. I think that's the one. Alright. I don't have one of those big flash phones. I'm just a little tiny fan. Yep. Got it. Yes. I think I'm in yeah. Somerset is my new employee, I think. And is this that this is the form that will transfer it over? Oh, so this is just signing, just me acknowledge that we've discussed all this. Is that right, this form? Yeah. Because I know I've got those three super funds. Yeah. Because I wasn't sure, you know, like, with having three of them open, you know, the fees and administration cost that goes with it. I didn't know you know, me, I was just to those super funds just for safekeeping because I didn't know how if anything was to happen, then I'd you know, I don't want to lose all this money. Just got it rolling it all into Hub twenty two. Yep. Yep. Yes. Yep. Oh, okay. Yeah. No. I hear it's got stuff on page 58 for some reason. I don't know why. Yep. Yep. Yeah. I'm just looking at all that now. Yep. I can see that. Sounds okay. It sounds okay. Because I'm just looking at service. Yeah. Yeah. That's why I'm just I've been putting this off for a while because I just didn't like, I wish I had my all this on my laptop because I'm still trying to get that bloody fixed up and so I can see what they're doing it on my phone. So I don't know. I don't know. Yep. Yep. Yep. Yep. Yeah. Very small. But yeah. That's good. Yeah. Because I think I'm I think I was with the Australian Soup. Oh, no. That was before because I was doing salary sacrifice with the Australian Soup out of my way, but I think I have stopped. Yeah. Because I think but that's just if I wanted to contribute more because I'm going salary sacrifice with my car in another company soon. Yes. Yep. Yep. Yeah. I'm just trying to see where that is. I just can't find it. Do you happen to do hard copy? Yeah. I'm just thinking maybe that might be a better plan than what we're doing now because I can't see on the pages. That's why I'm just thinking if we can do the hard copy because I can't, like, I don't have access to like, I've got access to a laptop in there, but I don't wanna go through that way. I'll just rather see what I'm seeing, like, what I can't see exactly what you're doing. So I'm thinking, can we do this when I receive all those documents? And then that way, we can actually and I can understand a bit more. Because at the moment, I'm just squeezing in what I can on my phone. That's okay. Because I've just I'm just afraid that I'm saying yes. Yes. Yes. And I'm not even looking at the documents properly, you know. Yep. Yep. That sounds good. I I actually think that's better for me. Yeah. June 4. Yep. Yeah. Afternoon would be good. Thanks. Because June 4, how far is it? Oh, yep. Wait. I'm just checking my calendar. June 4. Yep. Not all good. June 4 is good. Yep. Sounds like a good plan because I just thought about it. I'm just I'm not in a right mindset right now either. Yep. Perfect. Because I might even actually, yeah, I can actually download them on my phone so I can call them and I can go and print them out somewhere, actually. But do the post do the post and I'll figure out that in the interim, I might be just go and put them on my phone then I can go print them out somewhere over there and yeah. I'll figure that part out. And if I do actually print them out sooner, I'll let you know. Yep. Thanks for your time, Dana. 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Dana. How are you? Yeah. Good. I've got Brenda for you.\n\nGet it done and out of the way. Who am I? Catherine who? Oh my goodness. Oh my goodness.\n\nYeah. Oh my goodness. Oh my goodness. Well, have fun. I'll transfer you through now.\n\nAlright. Now you're done. You got it? All good. Alrighty.\n\nHave fun. I'm doing okay. How are you? Better? Yes.\n\nYes. I I can hear you. Yeah. Long. Yeah.\n\nLong. Yeah. Because I because I, you know, I don't have my emails access to my emails on the laptop, so I'll just read briefly through the text that you sent. Yeah. Yeah.\n\nYep. I thought I was gonna just check the email now. Where is it now? So which one did you wanna start with, or do you wanna yep. I'm just pulling it up.\n\nWhere is this email or two? Okay. So it's got all the forms. So, yep, financial services guide, the IT guide, tab 24 product statements, insurance line, appendix statement. Yep.\n\nAll of those. Yeah. Appendix to the SOA? Yeah. No.\n\nI'm trying to book that one or sign document that one. Okay. So I click to start. Okay. So yep.\n\nSo that one What page was that? 50 six six eight or Page 25. Yep. I think that's the one. Alright.\n\nI don't have one of those big flash phones. I'm just a little tiny fan. Yep. Got it. Yes.\n\nI think I'm in yeah. Somerset is my new employee, I think. And is this that this is the form that will transfer it over? Oh, so this is just signing, just me acknowledge that we've discussed all this. Is that right, this form?\n\nYeah. Because I know I've got those three super funds. Yeah. Because I wasn't sure, you know, like, with having three of them open, you know, the fees and administration cost that goes with it. I didn't know you know, me, I was just to those super funds just for safekeeping because I didn't know how if anything was to happen, then I'd you know, I don't want to lose all this money.\n\nJust got it rolling it all into Hub twenty two. Yep. Yep. Yes. Yep.\n\nOh, okay. Yeah. No. I hear it's got stuff on page 58 for some reason. I don't know why.\n\nYep. Yep. Yeah. I'm just looking at all that now. Yep.\n\nI can see that. Sounds okay. It sounds okay. Because I'm just looking at service. Yeah.\n\nYeah. That's why I'm just I've been putting this off for a while because I just didn't like, I wish I had my all this on my laptop because I'm still trying to get that bloody fixed up and so I can see what they're doing it on my phone. So I don't know. I don't know. Yep.\n\nYep. Yep. Yep. Yeah. Very small.\n\nBut yeah. That's good. Yeah. Because I think I'm I think I was with the Australian Soup. Oh, no.\n\nThat was before because I was doing salary sacrifice with the Australian Soup out of my way, but I think I have stopped. Yeah. Because I think but that's just if I wanted to contribute more because I'm going salary sacrifice with my car in another company soon. Yes. Yep.\n\nYep. Yeah. I'm just trying to see where that is. I just can't find it. Do you happen to do hard copy?\n\nYeah. I'm just thinking maybe that might be a better plan than what we're doing now because I can't see on the pages. That's why I'm just thinking if we can do the hard copy because I can't, like, I don't have access to like, I've got access to a laptop in there, but I don't wanna go through that way. I'll just rather see what I'm seeing, like, what I can't see exactly what you're doing. So I'm thinking, can we do this when I receive all those documents?\n\nAnd then that way, we can actually and I can understand a bit more. Because at the moment, I'm just squeezing in what I can on my phone. That's okay. Because I've just I'm just afraid that I'm saying yes. Yes.\n\nYes. And I'm not even looking at the documents properly, you know. Yep. Yep. That sounds good.\n\nI I actually think that's better for me. Yeah. June 4. Yep. Yeah.\n\nAfternoon would be good. Thanks. Because June 4, how far is it? Oh, yep. Wait.\n\nI'm just checking my calendar. June 4. Yep. Not all good. June 4 is good.\n\nYep. Sounds like a good plan because I just thought about it. I'm just I'm not in a right mindset right now either. Yep. Perfect.\n\nBecause I might even actually, yeah, I can actually download them on my phone so I can call them and I can go and print them out somewhere, actually. But do the post do the post and I'll figure out that in the interim, I might be just go and put them on my phone then I can go print them out somewhere over there and yeah. I'll figure that part out. And if I do actually print them out sooner, I'll let you know. Yep.\n\nThanks for your time, Dana. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Dana.","start":3.36,"end":4.16,"sentiment":"neutral","sentiment_score":0.10064608603715897},{"text":"How are you?","start":4.16,"end":4.98,"sentiment":"neutral","sentiment_score":0.15806650122006735},{"text":"Yeah.","start":7.2,"end":7.7,"sentiment":"neutral","sentiment_score":0.1961769461631775},{"text":"Good.","start":7.7599998,"end":8.24,"sentiment":"neutral","sentiment_score":0.31446346640586853},{"text":"I've got Brenda for you.","start":8.24,"end":9.78,"sentiment":"neutral","sentiment_score":0.2686793327331543}],"sentiment":"neutral","sentiment_score":0.21079406266411146,"num_words":12,"start":3.36,"end":9.78},{"sentences":[{"text":"Get it done and out of the way.","start":12.4,"end":13.94,"sentiment":"neutral","sentiment_score":0.06828537071123719},{"text":"Who am I?","start":22.885,"end":23.865,"sentiment":"neutral","sentiment_score":-0.009215334119896093},{"text":"Catherine 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good.","start":1167.0751,"end":1168.1151,"sentiment":"neutral","sentiment_score":0.18539379723370075},{"text":"Thanks.","start":1168.1151,"end":1168.5,"sentiment":"positive","sentiment_score":0.3394133150577545},{"text":"Because June 4, how far is it?","start":1171.54,"end":1173.64,"sentiment":"neutral","sentiment_score":0.18690008989402226},{"text":"Oh, yep.","start":1179.62,"end":1180.18,"sentiment":"neutral","sentiment_score":0.0878683514893055},{"text":"Wait.","start":1180.18,"end":1180.34,"sentiment":"neutral","sentiment_score":0.05124314874410629}],"sentiment":"neutral","sentiment_score":0.17441793233156205,"num_words":15,"start":1167.0751,"end":1180.34},{"sentences":[{"text":"I'm just checking my calendar.","start":1180.34,"end":1181.64,"sentiment":"neutral","sentiment_score":0.04338890835642815},{"text":"June 4.","start":1182.195,"end":1184.9349,"sentiment":"neutral","sentiment_score":0.024846434593200684},{"text":"Yep.","start":1191.475,"end":1191.7949,"sentiment":"neutral","sentiment_score":0.04133414477109909},{"text":"Not all good.","start":1191.7949,"end":1192.5149,"sentiment":"neutral","sentiment_score":-0.022957125057776768},{"text":"June 4 is good.","start":1192.5149,"end":1193.6549,"sentiment":"neutral","sentiment_score":0.17315491288900375}],"sentiment":"neutral","sentiment_score":0.06211465547482173,"num_words":15,"start":1180.34,"end":1193.6549},{"sentences":[{"text":"Yep.","start":1206.37,"end":1206.69,"sentiment":"neutral","sentiment_score":0.19208261370658877},{"text":"Sounds like a good plan because I just thought about it.","start":1206.69,"end":1208.85,"sentiment":"positive","sentiment_score":0.4803569587794217},{"text":"I'm just I'm not in a right mindset right now either.","start":1208.85,"end":1213.025,"sentiment":"neutral","sentiment_score":-0.14835002679716458},{"text":"Yep.","start":1226.61,"end":1226.93,"sentiment":"neutral","sentiment_score":0.3256584405899048},{"text":"Perfect.","start":1226.93,"end":1227.17,"sentiment":"positive","sentiment_score":0.7524935007095337}],"sentiment":"neutral","sentiment_score":0.19689243227243425,"num_words":25,"start":1206.37,"end":1227.17},{"sentences":[{"text":"Because I might even actually, yeah, I can actually download them on my phone so I can call them and I can go and print them out somewhere, actually.","start":1227.17,"end":1233.81,"sentiment":"neutral","sentiment_score":0.3004619453487725},{"text":"But do the post do the post and I'll figure out that in the interim, I might be just go and put them on my phone then I can go print them out somewhere over there and yeah.","start":1233.81,"end":1242.8451,"sentiment":"neutral","sentiment_score":0.10895412478988108},{"text":"I'll figure that part out.","start":1242.8451,"end":1243.7251,"sentiment":"neutral","sentiment_score":0.14819125682115555},{"text":"And if I do actually print them out sooner, I'll let you know.","start":1243.7251,"end":1246.7051,"sentiment":"neutral","sentiment_score":0.15843915136960837},{"text":"Yep.","start":1251.867,"end":1252.1869,"sentiment":"positive","sentiment_score":0.41975510120391846}],"sentiment":"neutral","sentiment_score":0.1869078315144708,"num_words":86,"start":1227.17,"end":1252.1869},{"sentences":[{"text":"Thanks for your time, Dana.","start":1252.1869,"end":1253.3868,"sentiment":"positive","sentiment_score":0.7793469429016113},{"text":"Bye.","start":1253.3868,"end":1253.8868,"sentiment":"positive","sentiment_score":0.5121110081672668}],"sentiment":"positive","sentiment_score":0.7348076204458872,"num_words":6,"start":1252.1869,"end":1253.8868}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hello?\n\nChannel 1: Hi, Dana. How are you?\n\nChannel 0: I'm good. How are you?\n\nChannel 1: Yeah. Good. I've got Brenda for you.\n\nChannel 0: Oh, amazing.\n\nChannel 1: Get it done and out of the way.\n\nChannel 0: Oh, for fuck's sake. I'm so freaking lonely, honestly. I've tried so many times to do this. Oh, and you won't even believe you. You just emailed me as well.\n\nCatherine\n\nChannel 1: Who am\n\nChannel 0: Siva.\n\nChannel 1: I? Catherine who?\n\nChannel 0: Catherine Seba. We've been I've been trying to\n\nChannel 1: Oh\n\nChannel 0: ask the girls. Been trying to fucking do advice for her and her partner for the past near twelve months, and\n\nChannel 1: my\n\nChannel 0: she's\n\nChannel 1: goodness.\n\nChannel 0: just not responded. And she's like, hi. Can you send me the information? I need to take 5% of my fever. I'm\n\nChannel 1: Oh\n\nChannel 0: like,\n\nChannel 1: my\n\nChannel 0: we were\n\nChannel 1: goodness.\n\nChannel 0: meant to do advice to you, and we just couldn't get in contact with either of you.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Oh\n\nChannel 0: she's\n\nChannel 1: my\n\nChannel 0: like,\n\nChannel 1: goodness.\n\nChannel 0: I just wanna do it, like, monthly now. And I'm like, I you haven't done anything.\n\nChannel 1: Oh my goodness. Well, have fun. I'll transfer you\n\nChannel 0: Far\n\nChannel 1: through now.\n\nChannel 0: out. Hang on two secs. I was trying\n\nChannel 1: Alright.\n\nChannel 0: to pull up the document.\n\nChannel 1: Now you're\n\nChannel 0: Yeah.\n\nChannel 1: done.\n\nChannel 0: I've got it here. It's open.\n\nChannel 1: You\n\nChannel 0: Thank\n\nChannel 1: got\n\nChannel 0: you\n\nChannel 1: it?\n\nChannel 0: so much. Send us through whenever you're ready.\n\nChannel 1: All good. Alrighty. Have fun.\n\nChannel 0: Thank you. Hi. Hi, Brenda. It's Jane. How are you?\n\nChannel 1: I'm doing okay. How are you? Better?\n\nChannel 0: I'm very well. Thank you. Can you hear me okay? Yep. Fantastic.\n\nSo it was a little bit patchy on on my end. I thought maybe it was the both of us. It's all good.\n\nChannel 1: Yes. Yes. I I can\n\nChannel 0: How's\n\nChannel 1: hear you.\n\nChannel 0: your fantastic. How's your day been so far?\n\nChannel 1: Yeah. Long. Yeah. Long.\n\nChannel 0: Yeah. No. That's okay. I did have you booked in to go through and update your advice document to go through the updated one. Is now still a good time to run through that?\n\nI can try to do it as quickly as possible for you.\n\nChannel 1: Yeah. Because I because I, you know, I don't have my emails access to my emails on the laptop, so I'll just read briefly through the text that you sent.\n\nChannel 0: Mhmm. Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Did did it seem to make much sense to you? Do you have any questions that have come out of it so far? I'll go through and go through again the parts that I need to. But is there any questions that sort of came to mind as you were going through it?\n\nChannel 1: Yeah. Yep. I thought I was gonna just check the email now.\n\nChannel 0: You're right.\n\nChannel 1: Where is it now? So which one did you wanna start with, or do you wanna\n\nChannel 0: Just a statement of advice. So can you see that document in the email there?\n\nChannel 1: yep. I'm just pulling it up. Where is this\n\nChannel 0: Yeah.\n\nChannel 1: email or two?\n\nChannel 0: Beautiful. When you pull it up, I'll take you through the pages that we need to sort of focus on, and I'll see if I can answer any questions that you might have as well as I'm going through the things I need to. But if anything pops up, just let me know. Okay?\n\nChannel 1: Okay. So it's got all the forms. So, yep, financial services guide, the IT guide, tab 24 product statements, insurance line, appendix statement. Yep. All of those.\n\nChannel 0: Yep. And the statement of advice, it might be the one it probably won't be one of the attachments unless I that number is attached or not. Sorry.\n\nChannel 1: Yeah. Appendix to the SOA?\n\nChannel 0: No. You want the actual statement of advice. The appendix is just the research conducted. If you the SOA should be the one that has the sign buttons attached to it. So when you open the email, it should say it should have the document at the front there.\n\nIt might even say view to sign or view to open.\n\nChannel 1: Yeah. No. I'm trying to book that one or sign document that one.\n\nChannel 0: Yeah. That's the one. Yeah. So if you press the button and continue through, it'll let you look at the SOA without actually signing it. You don't have to sign it yet.\n\nChannel 1: Okay. So I click to start.\n\nChannel 0: Yep. And once you're in that document, if you go down to page number 25, I'll take you through the important parts of it, explain the bits and pieces, and then you'll be able to go back and reread it again later on if you want to.\n\nChannel 1: Okay. So\n\nChannel 0: Okay.\n\nChannel 1: yep. So that one\n\nChannel 0: Perfect. On the very front page, it will say statement of advice prepared for yourself. It's also got my registration and license number registered with ASIC, which is 1304394.\n\nChannel 1: What page was that?\n\nChannel 0: And\n\nChannel 1: 50\n\nChannel 0: this\n\nChannel 1: six\n\nChannel 0: is\n\nChannel 1: six eight or\n\nChannel 0: page 25.\n\nChannel 1: Page 25.\n\nChannel 0: Yeah. It'll have the investments noted on the heading.\n\nChannel 1: Yep. I\n\nChannel 0: Perfect.\n\nChannel 1: think that's the one.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Alright. I don't have one of those big flash phones. I'm just a little tiny fan.\n\nChannel 0: No. That's okay. You're absolutely fine. You're absolutely fine. Okay.\n\nSo in this one here, when you've got that investment table, just let me know, and I'll start sort of explaining the recommendations there to you.\n\nChannel 1: Yep. Got it.\n\nChannel 0: Beautiful. Now with the investment table there, you'll see, essentially, we are looking to do a bit of an investment switch. So at the moment, you do have your three super funds. You've got your plum super, your Australian super, and your 100 twenty four. What I am gonna recommend with the insurances, because you've got about a 150,000 of life and TBD in Australian super, and you wanted to keep that amount, I'm gonna transfer that insurance from Australian super into hub twenty four.\n\nSo the insurances will stay intact exactly as they are, but transferred into hub twenty four, and then we can close off Australian Super, and we can also close off and consolidate the plum super for you. Okay?\n\nChannel 1: Yes. I think I'm in yeah. Somerset is my new employee, I think.\n\nChannel 0: Yeah. So we'll give you your employer contributions form so that they can pay those contributions in the hub twenty four. So we don't need to keep those two accounts open. We'll be able to close Plum Super, Australian Super, move everything into Hub twenty four so it's all in one place. And with the insurances within AustralianSuper, we'll transfer those into Hub twenty four as well.\n\nOkay?\n\nChannel 1: And is this that this is the form that will transfer it over?\n\nChannel 0: No. We'll give you the form to do the transfer. Yeah.\n\nChannel 1: Oh, so this is just signing, just me acknowledge that we've discussed all this. Is that right, this form?\n\nChannel 0: Yeah. Yeah. Yeah. This will be this document is the statement of advice. So it's basically our recommendation for what we wanna do to help you meet your goals and move forward.\n\nAnd if you're comfortable proceeding, we'll get you to sign this one, return it back, and then we'll start the process and get the forms required to help you along. Okay?\n\nChannel 1: Yeah. Because I know I've got those three super funds. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Because I wasn't sure, you know, like, with having three of them open, you know, the fees and administration cost that goes with it. I didn't know\n\nChannel 0: There's a lot.\n\nChannel 1: you know, me, I\n\nChannel 0: Yeah.\n\nChannel 1: was just to those super funds just for safekeeping because I didn't know how if anything was to happen, then I'd you know, I don't want to lose all this money. Just got it rolling it all into Hub twenty two.\n\nChannel 0: No. No. Of course. Understandable. Well, the benefit to that is that Hub twenty four, the same as every other super fund out there, is legislated by the government.\n\nSo, essentially, hub twenty four, the super fund itself is just the investment vehicle. Your money is actually invested into those investments you see underlined there. So if, say, hub twenty four had an issue and it went bad, you wouldn't lose your money because it's still invested in these sorts of areas here. So those\n\nChannel 1: Yep.\n\nChannel 0: investments could be moved to another platform. We could sell out of them. There'd be a whole bunch of things that can be done.\n\nChannel 1: Yep.\n\nChannel 0: But, essentially, if hub twenty four as a super fund was to go, you know, completely broke because, you know, the investments were basically zero, then it would essentially mean that every other super fund has done the exact same thing. That would have to be a pretty drastic problem to have where super\n\nChannel 1: Yes.\n\nChannel 0: funds everywhere would go broke. So it's not something that we expect to happen, obviously, but, look, keeping the free funds open is quite expensive, and I'll show you the cost there at the moment. Consolidating to one place is really the best idea, and we monitor and look after this for you. So we can check what's happening with Hub twenty four. If there's any risk that you're gonna lose a lot of money, then we'll try to move everything out quickly and buy and change the investments that way.\n\nEverything is continuously working for you. So, you know, it's only a very small risk that super funds anywhere are gonna go broke and that you'll lose any of your money. And if it's something that happens, it's gonna happen to an industry fund before it happens to a retail fund.\n\nChannel 1: Yep.\n\nChannel 0: Okay? All good. I've honestly never seen a super fund go broke in Australia before, so it's it's actually not too not not something you need to really worry too much about.\n\nChannel 1: Oh, okay.\n\nChannel 0: Yeah. All good. So, yeah, with the sorry. You're right?\n\nChannel 1: Yeah. No. I hear it's got stuff on page 58 for some reason. I don't know why.\n\nChannel 0: That's okay. I'm still just looking at page number 25 there. So with the investment, as I mentioned, we're recommending that we roll you out of Plum Super and Australian Super and consolidate everything into Hub twenty four. Within Hub twenty four, I'm also gonna switch the investments a little bit because some of them have been underperforming, and we wanna obviously make sure we're diversifying and lowering your risk level as much as possible and minimizing fees. So\n\nChannel 1: Yep.\n\nChannel 0: I'm gonna be selling off all the Benelon Australian equities. I'll sell off all the Vanguard diversified index fund, all the global health care fund, and all of the Asia fund there. We're also gonna be selling off the battery and lithium tech and the agriculture fund, and we're gonna be buying more into the cybersecurity. We'll buy more into the Europe and The US exposure. We'll buy more into Japan.\n\nWe're buying into the all world index fund, which is the one on page number 26 for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: We're gonna also buy the Australian 200, which is the top 200 companies on the Australian ASX, and then we're also gonna buy physical gold. And the last investment is the core composite bonds, So having some lower risk defensive investments as well there for you. So, essentially, that's what you're gonna see. All the green ones are what we're gonna buy into, and all the red ones are what we're gonna sell off. Does that make sense?\n\nChannel 1: Yeah. I'm just looking at all that now.\n\nChannel 0: Yeah. That's okay. That's alright. I won't go too far into them, but, essentially, this is just removing some of the investments that have been underperforming and not performing as well. The newer investments are lower cost.\n\nThey're well diversified. It's about making sure you're lowering your risk level in your portfolio, but also investing in areas where we see great potential growth. And I know there's a lot going on with The US and Iran out there at the moment, but The US market is still not bad and has seen some really good growth over the past month even with what's happening out there at the at the time. So it is still a really good place to be invested. By removing the Benelon Australian Equities, which is at 35% on the bottom there of the 20 page 25.\n\nBennelong only has about 20 to 30 different investment options in it. So I'm replacing that with the BetaShares a 200, which is gonna see 25% invested in there, and that's the third one down on page 26.\n\nChannel 1: Yep. I can\n\nChannel 0: Okay.\n\nChannel 1: see that.\n\nChannel 0: Yeah. So that investment there essentially is giving you access to the top 200 companies on the Australian stock market. So, realistically, when we're replacing an investment with 25 or 30 different investments in it with something with 200 investments in it, you're essentially creating greater diversification and lowering your risk level. So it is helping to spread your risk out much further. Does that make sense?\n\nChannel 1: Sounds okay. It sounds okay.\n\nChannel 0: Yeah.\n\nChannel 1: Because I'm just looking\n\nChannel 0: It's\n\nChannel 1: at\n\nChannel 0: all\n\nChannel 1: service.\n\nChannel 0: good.\n\nChannel 1: Yeah.\n\nChannel 0: I will look after you. I promise, Brenda. Don't worry.\n\nChannel 1: Yeah. That's\n\nChannel 0: It\n\nChannel 1: why\n\nChannel 0: is\n\nChannel 1: I'm just I've been putting this off for a while because I just didn't like, I wish I had my all this on my laptop because I'm still trying to get that bloody fixed up and so I can see what they're doing it on my phone.\n\nChannel 0: yeah. Oh, yeah. That's okay.\n\nChannel 1: So I don't know. I\n\nChannel 0: That's\n\nChannel 1: don't know.\n\nChannel 0: okay. As I said, I'll go through this now with you, then you can go back and have a bit of a read through it page by page, take it minute by minute, and let me know if you do happen to have any additional questions there. This is just giving you an outline of what we're gonna make the changes to in the investment wise. I won't go into too much detail and make it too confusing. But when you have time to go through it properly, let me know if there's any questions there.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Now with regard to the fees, to show you why I'm making the changes, if you go to page 28, you'll see there's a fee table there.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So the current side of that fee table shows you have 24, your plum super, and your Australian super, and you've got the administration fees and investment fees, your adviser fee coming out here, contributions going in, and the insurance premiums that you're paying for AustralianSuper there as well. Okay? With making the changes, your insurance premiums will still continue. We can transfer the insurances to come out of hub twenty four so everything can be consolidated.\n\nBut you can see by putting the money into hub twenty four, you end up with more money at the beginning in one place. And then you're also saving. Your investment fees go down. So you actually save $481 on investment fees, and you save $67 on administration fees. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. Now the downside is that Hub twenty four will charge more for the insurances, but when we weigh up the amount you'll be paying for the insurances plus the decrease in administration fees and investment fees, plus the higher performance of the fund, when you project that forward, you're actually gonna be in a greater position over the next five to ten years than you would be if you stayed where you are. So if you look at table underneath that, you've actually got the projection outcome of if we stayed where you are with everything as it is currently in the three funds or the recommended if we consolidate everything into one place and alter the portfolio as on page twenty five and twenty six. Can you see that there?\n\nChannel 1: Yeah. Very small. But\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. So it essentially shows that if you stayed where you are over the next sort of five to ten years, you could end up with about a 199,000 or 285,000. Whereas by taking the recommendation consolidating paying less fees, you can end the greater performance from the portfolio over the next five to ten years could actually see you increase to, in five years, see at around about 247,000 or in ten years over 443,000.\n\nChannel 1: That's good.\n\nChannel 0: Yeah. So there is there is a, you know, a base for making the recommendations, putting everything in one place. I can keep your insurances in AustralianSuper exactly as they are and just move them to hub twenty four, and we can consolidate everything. That way, you still have that one fifty of life cover, of TBD cover there as well, and then we can move everything into hub twenty four and have it all invested into one place. We can give you the contributions form to give to your employer so that your contributions are moved to hub twenty four as well.\n\nOkay?\n\nChannel 1: Yeah. Because I think I'm I think I was with the Australian Soup. Oh, no. That was before because I was doing salary sacrifice with the Australian Soup out\n\nChannel 0: Yeah.\n\nChannel 1: of my way, but I think I\n\nChannel 0: Yeah.\n\nChannel 1: have stopped.\n\nChannel 0: And if you decide to it doesn't look like there's anything going in there now. But if you decide to salary sacrifice down the track, let me know because you can sell back into Hub twenty four as well, and we can always help you to do that.\n\nChannel 1: Yeah. Because I think but that's just if I wanted to contribute more because I'm going salary sacrifice with my car in\n\nChannel 0: Yep.\n\nChannel 1: another company soon.\n\nChannel 0: Yep. Perfect. Perfect. Now, Brenda, if you scroll down a little bit to the next page, the other thing you wanted me to look up was the insurances as well. So as I mentioned, we are transferring your life and TBD into hub twenty four, but you also wanted me to look at getting some income protection.\n\nSo if in the event you were unable to go to work in the short term, you could claim a monthly benefit under income protection because you don't seem to have any at the moment. Okay?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yeah. So I am recommending that we do apply, and this is on page number 30 for you. But this is essentially that we do apply for income protection through Neos with a monthly benefit amount of $6,416. It's it'll have a thirty day waiting period and a two year benefit period. So that means that you if you are unable to go to work, you just have to be off work for thirty days prior to you making a claim, and you can be on a claim for up to two years.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. This the cost of this for the year would come out of super, the same as your life in TBD, and it would be approximately $2,120.91. So in that table above there where we talked about the insurance premium, that $2.06 $8.03, that is the cost of the transfer of the life and TBD and the cost of this income protection policy. Okay?\n\nChannel 1: Yeah. I'm just trying to see where that is. I just can't find it.\n\nChannel 0: What page are you on?\n\nChannel 1: Do you happen to do hard copy?\n\nChannel 0: We can post the hard copy too if you like. Yeah. Definitely.\n\nChannel 1: Yeah. I'm just thinking maybe that might be a better plan than what we're doing now because I can't see on the pages. That's why I'm just thinking if we can do the\n\nChannel 0: Yeah.\n\nChannel 1: hard copy because I can't, like, I don't have access to like, I've got access\n\nChannel 0: The email.\n\nChannel 1: to a laptop in there, but I don't wanna go through that way. I'll just rather see what I'm seeing, like, what I can't\n\nChannel 0: Yeah.\n\nChannel 1: see\n\nChannel 0: That's\n\nChannel 1: exactly what\n\nChannel 0: fine.\n\nChannel 1: you're doing. So I'm thinking,\n\nChannel 0: No. That's okay.\n\nChannel 1: can we do this when I receive all those documents? And then that way, we can actually and I can understand a bit more. Because at the moment, I'm just squeezing in what I can on my phone.\n\nChannel 0: Yeah. That's fine. I can get someone to post that to you next week, and it might take about a week or two to come through.\n\nChannel 1: That's okay. Because I've just I'm just afraid that I'm saying yes. Yes. Yes. And I'm not even looking at the documents properly, you know.\n\nChannel 0: No. That's okay. Keeping in mind, you don't have to sign anything. So you can escape out of that. It's not asking you to sign that document today by no means.\n\nIt's just kinda going through the sections there. But if you wanna put this up, I can rebook it for in two weeks if you like, and we can get the document posted to you next week.\n\nChannel 1: Yep. Yep. That sounds good. I I actually think that's better for me.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. No problem at all. So if I rebook it for two\n\nChannel 1: June\n\nChannel 0: weeks\n\nChannel 1: 4.\n\nChannel 0: for you,\n\nChannel 1: Yep.\n\nChannel 0: that'll be Thursday, June 4. Did you want in the afternoon about the same time? Or\n\nChannel 1: Yeah. Afternoon would be good. Thanks.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Because June 4,\n\nChannel 0: Lovely.\n\nChannel 1: how far is it?\n\nChannel 0: That's two weeks.\n\nChannel 1: Oh, yep. Wait. I'm just checking my calendar. June 4. Yep.\n\nNot all good. June 4 is good.\n\nChannel 0: Beautiful. I'll pop it in there for you. It'll be 03:30 my time, which is 03:00 your time, the same as we have today, and I'll get someone to post those to you early next week. Okay?\n\nChannel 1: Yep. Sounds like a good plan because I just thought about\n\nChannel 0: Beautiful.\n\nChannel 1: it. I'm just I'm not in a right mindset right now either.\n\nChannel 0: No. That's okay. Not a problem at all. I've rebooked that one for you. I'll get someone to post it.\n\nIn the meantime, if you are able to get into your emails and whatever, have a bit of a look at it, absolutely fine. And, again, if you do have any questions, just let me know. Okay?\n\nChannel 1: Yep. Perfect. Because I might even actually, yeah, I can actually download them on my phone so I can call them and I can go and print them out somewhere, actually. But do the post do the post\n\nChannel 0: Yep.\n\nChannel 1: and I'll figure out that in the interim, I might be just go and put them on my phone then I can go print them out somewhere over there and yeah. I'll figure\n\nChannel 0: Yep.\n\nChannel 1: that part out. And if I do actually print them out sooner, I'll let you know.\n\nChannel 0: No worries at all. Thanks so much. I'll talk to you soon, Brenda. You have a good afternoon.\n\nChannel 1: Yep. Thanks for your time, Dana. Bye.\n\nChannel 0: Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.018252301961183548}],"sentiment":"neutral","sentiment_score":0.018252301961183548,"channel":0,"num_words":1,"start":1.92,"end":2.42},{"sentences":[{"text":"Hi, Dana.","start":3.36,"end":4.16,"sentiment":"neutral","sentiment_score":0.10064608603715897},{"text":"How are you?","start":4.16,"end":4.98,"sentiment":"neutral","sentiment_score":0.15806650122006735}],"sentiment":"neutral","sentiment_score":0.135098335146904,"channel":1,"num_words":5,"start":3.36,"end":4.98},{"sentences":[{"text":"I'm good.","start":5.44,"end":6.0,"sentiment":"neutral","sentiment_score":0.30468228459358215},{"text":"How are 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did it seem to make much sense to you?","start":121.28,"end":123.735,"sentiment":"positive","sentiment_score":0.5026703625917435},{"text":"Do you have any questions that have come out of it so far?","start":123.735,"end":126.475,"sentiment":"neutral","sentiment_score":0.26594686393554395},{"text":"I'll go through and go through again the parts that I need to.","start":126.615,"end":129.815,"sentiment":"neutral","sentiment_score":0.23255454003810883},{"text":"But is there any questions that sort of came to mind as you were going through it?","start":129.815,"end":134.235,"sentiment":"neutral","sentiment_score":0.14608683437108994}],"sentiment":"neutral","sentiment_score":0.2712829061956317,"channel":0,"num_words":54,"start":120.8,"end":134.235},{"sentences":[{"text":"Yeah.","start":135.82,"end":136.32,"sentiment":"neutral","sentiment_score":0.09794564545154572},{"text":"Yep.","start":136.78,"end":137.1,"sentiment":"neutral","sentiment_score":0.11001922190189362},{"text":"I thought I was 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form?","start":397.02002,"end":398.115,"sentiment":"neutral","sentiment_score":0.07024059370160103}],"sentiment":"neutral","sentiment_score":0.10113604582454029,"channel":1,"num_words":19,"start":393.18,"end":398.115},{"sentences":[{"text":"Yeah.","start":398.07,"end":398.55,"sentiment":"neutral","sentiment_score":0.07039639353752136},{"text":"Yeah.","start":398.55,"end":398.87,"sentiment":"neutral","sentiment_score":0.0996677428483963},{"text":"Yeah.","start":398.87,"end":399.19,"sentiment":"neutral","sentiment_score":0.16192835569381714},{"text":"This will be this document is the statement of advice.","start":399.19,"end":401.99,"sentiment":"neutral","sentiment_score":0.24403861910104752},{"text":"So it's basically our recommendation for what we wanna do to help you meet your goals and move forward.","start":401.99,"end":407.05502,"sentiment":"positive","sentiment_score":0.4854641933190195}],"sentiment":"positive","sentiment_score":0.3748811986297369,"channel":0,"num_words":32,"start":398.07,"end":407.05502},{"sentences":[{"text":"And if you're comfortable proceeding, we'll get you to sign this one, return it back, and then we'll start the process and get the forms required to help you along.","start":407.43503,"end":415.375,"sentiment":"neutral","sentiment_score":0.2517274330059687},{"text":"Okay?","start":415.435,"end":415.935,"sentiment":"neutral","sentiment_score":0.10292180627584456}],"sentiment":"neutral","sentiment_score":0.24692725149854536,"channel":0,"num_words":31,"start":407.43503,"end":415.935},{"sentences":[{"text":"Yeah.","start":416.22,"end":416.62,"sentiment":"neutral","sentiment_score":0.06605622172355652},{"text":"Because I know I've got those three super funds.","start":416.62,"end":419.12,"sentiment":"neutral","sentiment_score":0.03765399754047394},{"text":"Yeah.","start":419.9,"end":420.13998,"sentiment":"neutral","sentiment_score":0.0435214526951313}],"sentiment":"neutral","sentiment_score":0.040769422934813934,"channel":1,"num_words":11,"start":416.22,"end":420.13998},{"sentences":[{"text":"Yes.","start":419.95,"end":420.45,"sentiment":"neutral","sentiment_score":0.031218668445944783}],"sentiment":"neutral","sentiment_score":0.031218668445944783,"channel":0,"num_words":1,"start":419.95,"end":420.45},{"sentences":[{"text":"Because I wasn't sure, you know, like, with having three of them open, you know, the fees and administration cost that goes with it.","start":420.13998,"end":427.695,"sentiment":"neutral","sentiment_score":-0.09963299271961053},{"text":"I didn't know","start":428.095,"end":428.915,"sentiment":"neutral","sentiment_score":-0.20391574005285898}],"sentiment":"neutral","sentiment_score":-0.11121996464552703,"channel":1,"num_words":27,"start":420.13998,"end":428.915},{"sentences":[{"text":"There's a lot.","start":428.43,"end":429.49,"sentiment":"neutral","sentiment_score":-0.24461742242177328}],"sentiment":"neutral","sentiment_score":-0.24461742242177328,"channel":0,"num_words":3,"start":428.43,"end":429.49},{"sentences":[{"text":"you know, me, I","start":429.535,"end":430.095,"sentiment":"neutral","sentiment_score":-0.10708918422460556}],"sentiment":"neutral","sentiment_score":-0.10708918422460556,"channel":1,"num_words":4,"start":429.535,"end":430.095},{"sentences":[{"text":"Yeah.","start":430.03,"end":430.53,"sentiment":"neutral","sentiment_score":-0.04324183613061905}],"sentiment":"neutral","sentiment_score":-0.04324183613061905,"channel":0,"num_words":1,"start":430.03,"end":430.53},{"sentences":[{"text":"was just to those super funds just for safekeeping because I didn't know how if anything was to happen, then I'd you know, I don't want to lose all this money.","start":430.095,"end":438.975,"sentiment":"neutral","sentiment_score":-0.1448665890962847},{"text":"Just got it rolling it all into Hub twenty two.","start":438.975,"end":441.315,"sentiment":"neutral","sentiment_score":-0.002725512906908989}],"sentiment":"neutral","sentiment_score":-0.11019803392814427,"channel":1,"num_words":41,"start":430.095,"end":441.315},{"sentences":[{"text":"No.","start":441.915,"end":442.07498,"sentiment":"neutral","sentiment_score":-0.25227367877960205},{"text":"No.","start":442.07498,"end":442.235,"sentiment":"neutral","sentiment_score":-0.2460225373506546},{"text":"Of course.","start":442.235,"end":442.715,"sentiment":"neutral","sentiment_score":-0.1644778922200203},{"text":"Understandable.","start":442.715,"end":443.215,"sentiment":"neutral","sentiment_score":-0.07317283004522324},{"text":"Well, the benefit to that is that Hub twenty four, the same as every other super fund out there, is legislated by the government.","start":443.51498,"end":449.775,"sentiment":"neutral","sentiment_score":0.19315867715825638}],"sentiment":"neutral","sentiment_score":0.12880632486836663,"channel":0,"num_words":29,"start":441.915,"end":449.775},{"sentences":[{"text":"So, essentially, hub twenty four, the super fund itself is just the investment vehicle.","start":451.17,"end":455.59,"sentiment":"neutral","sentiment_score":0.053455602776791365},{"text":"Your money is actually invested into those investments you see underlined there.","start":455.89,"end":460.37,"sentiment":"neutral","sentiment_score":0.08518015810598929},{"text":"So if, say, hub twenty four had an issue and it went bad, you wouldn't lose your money because it's still invested in these sorts of areas here.","start":460.37,"end":468.635,"sentiment":"neutral","sentiment_score":-0.006879814143758267},{"text":"So those","start":468.695,"end":469.175,"sentiment":"neutral","sentiment_score":0.021945927292108536}],"sentiment":"neutral","sentiment_score":0.028960667762606005,"channel":0,"num_words":56,"start":451.17,"end":469.175},{"sentences":[{"text":"Yep.","start":469.105,"end":469.56,"sentiment":"neutral","sentiment_score":0.012849743478000164}],"sentiment":"neutral","sentiment_score":0.012849743478000164,"channel":1,"num_words":1,"start":469.105,"end":469.56},{"sentences":[{"text":"investments could be moved to another platform.","start":469.175,"end":471.335,"sentiment":"neutral","sentiment_score":-0.014119395187922887},{"text":"We could sell out of them.","start":471.335,"end":472.695,"sentiment":"neutral","sentiment_score":-0.004696992536385855},{"text":"There'd be a whole bunch of things that can be done.","start":472.695,"end":474.955,"sentiment":"neutral","sentiment_score":0.037375401366840706}],"sentiment":"neutral","sentiment_score":0.01183798722922802,"channel":0,"num_words":24,"start":469.175,"end":474.955},{"sentences":[{"text":"Yep.","start":475.4,"end":475.9,"sentiment":"neutral","sentiment_score":0.0023804507218301296}],"sentiment":"neutral","sentiment_score":0.0023804507218301296,"channel":1,"num_words":1,"start":475.4,"end":475.9},{"sentences":[{"text":"But, essentially, if hub twenty four as a super fund was to go, you know, completely broke because, you know, the investments were basically zero, then it would essentially mean that every other super fund has done the exact same thing.","start":475.44,"end":487.68,"sentiment":"neutral","sentiment_score":-0.2624636454189696},{"text":"That would have to be a pretty drastic problem to have where super","start":487.68,"end":492.255,"sentiment":"negative","sentiment_score":-0.37540853252777684}],"sentiment":"neutral","sentiment_score":-0.2896540812044232,"channel":0,"num_words":54,"start":475.44,"end":492.255},{"sentences":[{"text":"Yes.","start":492.085,"end":492.585,"sentiment":"neutral","sentiment_score":-0.26603642106056213}],"sentiment":"neutral","sentiment_score":-0.26603642106056213,"channel":1,"num_words":1,"start":492.085,"end":492.585},{"sentences":[{"text":"funds everywhere would go broke.","start":492.255,"end":494.015,"sentiment":"negative","sentiment_score":-0.37939680814743043},{"text":"So it's not something that we expect to happen, obviously, but, look, keeping the free funds open is quite expensive, and I'll show you the cost there at the moment.","start":494.015,"end":505.315,"sentiment":"neutral","sentiment_score":-0.20664839297533036},{"text":"Consolidating to one place is really the best idea, and we monitor and look after this for you.","start":505.62,"end":511.86002,"sentiment":"neutral","sentiment_score":0.2963339338699977},{"text":"So we can check what's happening with Hub twenty four.","start":511.86002,"end":514.5,"sentiment":"neutral","sentiment_score":0.10293681696057319},{"text":"If there's any risk that you're gonna lose a lot of money, then we'll try to move everything out quickly and buy and change the investments that way.","start":514.5,"end":521.055,"sentiment":"neutral","sentiment_score":-0.02875874763620751}],"sentiment":"neutral","sentiment_score":-0.02789342620379322,"channel":0,"num_words":91,"start":492.255,"end":521.055},{"sentences":[{"text":"Everything is continuously working for you.","start":521.055,"end":523.215,"sentiment":"positive","sentiment_score":0.5072488039731979},{"text":"So, you know, it's only a very small risk that super funds anywhere are gonna go broke and that you'll lose any of your money.","start":523.215,"end":530.175,"sentiment":"neutral","sentiment_score":-0.07995485961437225},{"text":"And if it's something that happens, it's gonna happen to an industry fund before it happens to a retail fund.","start":530.175,"end":535.11,"sentiment":"neutral","sentiment_score":-0.12947992384433746}],"sentiment":"neutral","sentiment_score":-0.03029366947856604,"channel":0,"num_words":51,"start":521.055,"end":535.11},{"sentences":[{"text":"Yep.","start":536.22003,"end":536.72003,"sentiment":"neutral","sentiment_score":0.11258979886770248}],"sentiment":"neutral","sentiment_score":0.11258979886770248,"channel":1,"num_words":1,"start":536.22003,"end":536.72003},{"sentences":[{"text":"Okay?","start":537.51,"end":538.01,"sentiment":"neutral","sentiment_score":0.13556213676929474},{"text":"All good.","start":538.14996,"end":538.97,"sentiment":"positive","sentiment_score":0.4502384215593338},{"text":"I've honestly never seen a super fund go broke in Australia before, so it's it's actually not too not not something you need to really worry too much about.","start":539.11,"end":547.13,"sentiment":"neutral","sentiment_score":0.2621796190224845}],"sentiment":"neutral","sentiment_score":0.2699764978606254,"channel":0,"num_words":32,"start":537.51,"end":547.13},{"sentences":[{"text":"Oh, okay.","start":547.745,"end":548.405,"sentiment":"neutral","sentiment_score":0.132121279835701}],"sentiment":"neutral","sentiment_score":0.132121279835701,"channel":1,"num_words":2,"start":547.745,"end":548.405},{"sentences":[{"text":"Yeah.","start":549.405,"end":549.905,"sentiment":"neutral","sentiment_score":0.19248220324516296},{"text":"All good.","start":550.365,"end":551.025,"sentiment":"neutral","sentiment_score":0.32564616203308105},{"text":"So, yeah, with the sorry.","start":551.805,"end":553.565,"sentiment":"neutral","sentiment_score":0.020360159501433373},{"text":"You're right?","start":553.565,"end":554.22504,"sentiment":"neutral","sentiment_score":0.0008000973612070084}],"sentiment":"neutral","sentiment_score":0.0947175519540906,"channel":0,"num_words":10,"start":549.405,"end":554.22504},{"sentences":[{"text":"Yeah.","start":554.83997,"end":555.16,"sentiment":"neutral","sentiment_score":-0.010332676582038404},{"text":"No.","start":555.16,"end":555.48,"sentiment":"neutral","sentiment_score":-0.0786377340555191},{"text":"I hear it's got stuff on page 58 for some reason.","start":555.48,"end":558.68,"sentiment":"neutral","sentiment_score":-0.08394538170912048},{"text":"I don't know why.","start":558.68,"end":559.66,"sentiment":"neutral","sentiment_score":-0.14816859364509583}],"sentiment":"neutral","sentiment_score":-0.09441435200107448,"channel":1,"num_words":17,"start":554.83997,"end":559.66},{"sentences":[{"text":"That's okay.","start":561.25,"end":561.89,"sentiment":"neutral","sentiment_score":-0.008811499923467638},{"text":"I'm still just looking at page number 25 there.","start":561.89,"end":564.85,"sentiment":"neutral","sentiment_score":0.009096374476535453},{"text":"So with the investment, as I mentioned, we're recommending that we roll you out of Plum Super and Australian Super and consolidate everything into Hub twenty four.","start":564.85,"end":573.43,"sentiment":"neutral","sentiment_score":0.07522524838094358},{"text":"Within Hub twenty four, I'm also gonna switch the investments a little bit because some of them have been underperforming, and we wanna obviously make sure we're diversifying and lowering your risk level as much as possible and minimizing fees.","start":573.625,"end":585.085,"sentiment":"neutral","sentiment_score":0.1095315594226122},{"text":"So","start":585.63995,"end":585.88,"sentiment":"neutral","sentiment_score":0.09706249833106996}],"sentiment":"neutral","sentiment_score":0.08321077154383441,"channel":0,"num_words":79,"start":561.25,"end":585.88},{"sentences":[{"text":"Yep.","start":585.74,"end":586.24,"sentiment":"neutral","sentiment_score":0.1609984040260315}],"sentiment":"neutral","sentiment_score":0.1609984040260315,"channel":1,"num_words":1,"start":585.74,"end":586.24},{"sentences":[{"text":"I'm gonna be selling off all the Benelon Australian equities.","start":585.88,"end":588.94,"sentiment":"neutral","sentiment_score":0.017974178493022918},{"text":"I'll sell off all the Vanguard diversified index fund, all the global health care fund, and all of the Asia fund there.","start":589.16,"end":595.89996,"sentiment":"neutral","sentiment_score":0.08434376035901633},{"text":"We're also gonna be selling off the battery and lithium tech and the agriculture fund, and we're gonna be buying more into the cybersecurity.","start":595.95996,"end":603.14496,"sentiment":"neutral","sentiment_score":0.12404263609399398},{"text":"We'll buy more into the Europe and The US exposure.","start":603.925,"end":606.745,"sentiment":"neutral","sentiment_score":0.11071096882224082},{"text":"We'll buy more into Japan.","start":607.045,"end":608.58496,"sentiment":"neutral","sentiment_score":0.13710640370845795}],"sentiment":"neutral","sentiment_score":0.09584464064576256,"channel":0,"num_words":71,"start":585.88,"end":608.58496},{"sentences":[{"text":"We're buying into the all world index fund, which is the one on page number 26 for you.","start":608.96497,"end":615.225,"sentiment":"neutral","sentiment_score":0.211398190094365},{"text":"Okay?","start":615.66,"end":616.16,"sentiment":"neutral","sentiment_score":0.1276012361049652}],"sentiment":"neutral","sentiment_score":0.20698782409492292,"channel":0,"num_words":19,"start":608.96497,"end":616.16},{"sentences":[{"text":"Yep.","start":615.67,"end":616.17,"sentiment":"neutral","sentiment_score":0.21220672130584717}],"sentiment":"neutral","sentiment_score":0.21220672130584717,"channel":1,"num_words":1,"start":615.67,"end":616.17},{"sentences":[{"text":"We're gonna also buy the Australian 200, which is the top 200 companies on the Australian ASX, and then we're also gonna buy physical gold.","start":616.94,"end":626.16,"sentiment":"neutral","sentiment_score":0.24175744771957397},{"text":"And the last investment is the core composite bonds, So having some lower risk defensive investments as well there for you.","start":626.45996,"end":633.39496,"sentiment":"neutral","sentiment_score":0.3086813415090243},{"text":"So, essentially, that's what you're gonna see.","start":633.615,"end":635.45496,"sentiment":"neutral","sentiment_score":0.28729786404541563},{"text":"All the green ones are what we're gonna buy into, and all the red ones are what we're gonna sell off.","start":635.45496,"end":640.755,"sentiment":"neutral","sentiment_score":0.13795596769168264},{"text":"Does that make sense?","start":640.89496,"end":641.95496,"sentiment":"neutral","sentiment_score":0.11479112505912781}],"sentiment":"neutral","sentiment_score":0.22940473377895662,"channel":0,"num_words":78,"start":616.94,"end":641.95496},{"sentences":[{"text":"Yeah.","start":642.62,"end":642.86,"sentiment":"neutral","sentiment_score":0.07543043792247772},{"text":"I'm just looking at all that now.","start":642.86,"end":644.32,"sentiment":"neutral","sentiment_score":0.013696134356515748}],"sentiment":"neutral","sentiment_score":0.021412922302260995,"channel":1,"num_words":8,"start":642.62,"end":644.32},{"sentences":[{"text":"Yeah.","start":644.97003,"end":645.45,"sentiment":"neutral","sentiment_score":0.15150821208953855},{"text":"That's okay.","start":645.45,"end":646.27,"sentiment":"neutral","sentiment_score":0.25416092574596405},{"text":"That's alright.","start":646.33,"end":647.13,"sentiment":"neutral","sentiment_score":0.26310165226459503},{"text":"I won't go too far into them, but, essentially, this is just removing some of the investments that have been underperforming and not performing as well.","start":647.13,"end":654.43,"sentiment":"neutral","sentiment_score":-0.11325118117607556},{"text":"The newer investments are lower cost.","start":655.21,"end":657.21,"sentiment":"positive","sentiment_score":0.4090416630109151}],"sentiment":"neutral","sentiment_score":0.01880412528643737,"channel":0,"num_words":37,"start":644.97003,"end":657.21},{"sentences":[{"text":"They're well diversified.","start":657.21,"end":658.19,"sentiment":"positive","sentiment_score":0.6165950099627177},{"text":"It's about making sure you're lowering your risk level in your portfolio, but also investing in areas where we see great potential growth.","start":658.41003,"end":665.405,"sentiment":"positive","sentiment_score":0.40787877624287555},{"text":"And I know there's a lot going on with The US and Iran out there at the moment, but The US market is still not bad and has seen some really good growth over the past month even with what's happening out there at the at the time.","start":665.405,"end":677.82,"sentiment":"neutral","sentiment_score":0.23844931515244147},{"text":"So it is still a really good place to be invested.","start":677.82,"end":681.84,"sentiment":"positive","sentiment_score":0.7157086350701072},{"text":"By removing the Benelon Australian Equities, which is at 35% on the bottom there of the 20 page 25.","start":682.62,"end":689.315,"sentiment":"neutral","sentiment_score":0.11470715525118928}],"sentiment":"neutral","sentiment_score":0.31469995140706974,"channel":0,"num_words":104,"start":657.21,"end":689.315},{"sentences":[{"text":"Bennelong only has about 20 to 30 different investment options in it.","start":689.85504,"end":694.675,"sentiment":"neutral","sentiment_score":0.06699507683515549},{"text":"So I'm replacing that with the BetaShares a 200, which is gonna see 25% invested in there, and that's the third one down on page 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further.","start":727.805,"end":730.76996,"sentiment":"positive","sentiment_score":0.4107702238993211},{"text":"Does that make sense?","start":730.76996,"end":731.99,"sentiment":"neutral","sentiment_score":0.160719845443964}],"sentiment":"neutral","sentiment_score":0.32609070770776094,"channel":0,"num_words":67,"start":706.3,"end":731.99},{"sentences":[{"text":"Sounds okay.","start":732.69,"end":733.51,"sentiment":"neutral","sentiment_score":0.26693230867385864},{"text":"It sounds okay.","start":733.57,"end":734.63,"sentiment":"neutral","sentiment_score":0.21569607655207315}],"sentiment":"neutral","sentiment_score":0.23619056940078736,"channel":1,"num_words":5,"start":732.69,"end":734.63},{"sentences":[{"text":"Yeah.","start":734.44995,"end":734.94995,"sentiment":"neutral","sentiment_score":0.14915001392364502}],"sentiment":"neutral","sentiment_score":0.14915001392364502,"channel":0,"num_words":1,"start":734.44995,"end":734.94995},{"sentences":[{"text":"Because I'm just 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will look after you.","start":737.17,"end":738.37,"sentiment":"neutral","sentiment_score":0.13016684204339982},{"text":"I promise, Brenda.","start":738.37,"end":739.32996,"sentiment":"neutral","sentiment_score":0.11459108193715413},{"text":"Don't worry.","start":739.32996,"end":740.23,"sentiment":"neutral","sentiment_score":0.0627277959138155}],"sentiment":"neutral","sentiment_score":0.11200630478560925,"channel":0,"num_words":10,"start":737.17,"end":740.23},{"sentences":[{"text":"Yeah.","start":740.775,"end":741.015,"sentiment":"neutral","sentiment_score":0.03348999843001366},{"text":"That's","start":741.015,"end":741.335,"sentiment":"neutral","sentiment_score":0.007507195230573416}],"sentiment":"neutral","sentiment_score":0.020498596830293536,"channel":1,"num_words":2,"start":740.775,"end":741.335},{"sentences":[{"text":"It","start":741.25,"end":741.49,"sentiment":"neutral","sentiment_score":0.00026175007224082947}],"sentiment":"neutral","sentiment_score":0.00026175007224082947,"channel":0,"num_words":1,"start":741.25,"end":741.49},{"sentences":[{"text":"why","start":741.335,"end":741.575,"sentiment":"neutral","sentiment_score":-0.014547165483236313}],"sentiment":"neutral","sentiment_score":-0.014547165483236313,"channel":1,"num_words":1,"start":741.335,"end":741.575},{"sentences":[{"text":"is","start":741.49,"end":741.64996,"sentiment":"neutral","sentiment_score":-0.02394864708185196}],"sentiment":"neutral","sentiment_score":-0.02394864708185196,"channel":0,"num_words":1,"start":741.49,"end":741.64996},{"sentences":[{"text":"I'm just I've been putting this off for a while because I just didn't like, I wish I had my all this on my laptop because I'm still trying to get that bloody fixed up and so I can see what they're doing it on my phone.","start":741.575,"end":751.995,"sentiment":"neutral","sentiment_score":-0.16334006570755166}],"sentiment":"neutral","sentiment_score":-0.16334006570755166,"channel":1,"num_words":47,"start":741.575,"end":751.995},{"sentences":[{"text":"yeah.","start":752.445,"end":752.525,"sentiment":"neutral","sentiment_score":-0.024966077879071236},{"text":"Oh, yeah.","start":752.525,"end":753.265,"sentiment":"neutral","sentiment_score":-0.01192739512771368},{"text":"That's okay.","start":753.405,"end":754.22504,"sentiment":"neutral","sentiment_score":0.01798005821183324}],"sentiment":"neutral","sentiment_score":-0.0025721503421664237,"channel":0,"num_words":5,"start":752.445,"end":754.22504},{"sentences":[{"text":"So I don't know.","start":753.99,"end":755.67,"sentiment":"neutral","sentiment_score":-0.0656466968357563},{"text":"I","start":755.67,"end":755.91003,"sentiment":"neutral","sentiment_score":-0.10608047246932983}],"sentiment":"neutral","sentiment_score":-0.07373345196247101,"channel":1,"num_words":5,"start":753.99,"end":755.91003},{"sentences":[{"text":"That's","start":755.89996,"end":756.3,"sentiment":"neutral","sentiment_score":-0.11964690685272215}],"sentiment":"neutral","sentiment_score":-0.11964690685272215,"channel":0,"num_words":1,"start":755.89996,"end":756.3},{"sentences":[{"text":"don't know.","start":755.91003,"end":756.57,"sentiment":"neutral","sentiment_score":-0.10480168834328651}],"sentiment":"neutral","sentiment_score":-0.10480168834328651,"channel":1,"num_words":2,"start":755.91003,"end":756.57},{"sentences":[{"text":"okay.","start":756.3,"end":756.8,"sentiment":"neutral","sentiment_score":0.03444300591945648},{"text":"As I said, I'll go through this now with you, then you can go back and have a bit of a read through it page by page, take it minute by minute, and let me know if you do happen to have any additional questions there.","start":757.01996,"end":767.44,"sentiment":"neutral","sentiment_score":0.13146456298620804},{"text":"This is just giving you an outline of what we're gonna make the changes to in the investment wise.","start":767.95496,"end":773.555,"sentiment":"neutral","sentiment_score":0.1723377333071671},{"text":"I won't go into too much detail and make it too confusing.","start":773.555,"end":776.535,"sentiment":"neutral","sentiment_score":-0.07329614522556464},{"text":"But when you have time to go through it properly, let me know if there's any questions there.","start":777.475,"end":782.19495,"sentiment":"neutral","sentiment_score":0.11538921379380757}],"sentiment":"neutral","sentiment_score":0.10993418689273919,"channel":0,"num_words":96,"start":756.3,"end":782.19495},{"sentences":[{"text":"Okay?","start":782.19495,"end":782.69495,"sentiment":"neutral","sentiment_score":0.0814623236656189}],"sentiment":"neutral","sentiment_score":0.0814623236656189,"channel":0,"num_words":1,"start":782.19495,"end":782.69495},{"sentences":[{"text":"Yep.","start":783.32996,"end":783.82996,"sentiment":"neutral","sentiment_score":0.10607880353927612}],"sentiment":"neutral","sentiment_score":0.10607880353927612,"channel":1,"num_words":1,"start":783.32996,"end":783.82996},{"sentences":[{"text":"Now with regard to the fees, to show you why I'm making the changes, if you go to page 28, you'll see there's a fee table there.","start":784.49,"end":791.71,"sentiment":"neutral","sentiment_score":0.05671382819612821}],"sentiment":"neutral","sentiment_score":0.05671382819612821,"channel":0,"num_words":27,"start":784.49,"end":791.71},{"sentences":[{"text":"Yep.","start":793.56995,"end":794.06995,"sentiment":"positive","sentiment_score":0.3396124541759491}],"sentiment":"positive","sentiment_score":0.3396124541759491,"channel":1,"num_words":1,"start":793.56995,"end":794.06995},{"sentences":[{"text":"Beautiful.","start":795.05,"end":795.55,"sentiment":"positive","sentiment_score":0.6412118077278137},{"text":"So the current side of that fee table shows you have 24, your plum super, and your Australian super, and you've got the administration fees and investment fees, your adviser fee coming out here, contributions going in, and the insurance premiums that you're paying for AustralianSuper there as well.","start":796.125,"end":812.91,"sentiment":"positive","sentiment_score":0.35932618257950766},{"text":"Okay?","start":812.91,"end":813.41,"sentiment":"neutral","sentiment_score":0.22818642854690552},{"text":"With making the changes, your insurance premiums will still continue.","start":815.70996,"end":819.57,"sentiment":"positive","sentiment_score":0.4060401290655136},{"text":"We can transfer the insurances to come out of hub twenty four so everything can be consolidated.","start":819.87,"end":824.69,"sentiment":"positive","sentiment_score":0.36905762465561137}],"sentiment":"positive","sentiment_score":0.3693687447752708,"channel":0,"num_words":78,"start":795.05,"end":824.69},{"sentences":[{"text":"But you can see by putting the money into hub twenty four, you end up with more money at the beginning in one place.","start":825.70496,"end":831.545,"sentiment":"positive","sentiment_score":0.5657800709207853},{"text":"And then you're also saving.","start":831.545,"end":832.985,"sentiment":"positive","sentiment_score":0.5433567643165589},{"text":"Your investment fees go down.","start":832.985,"end":834.745,"sentiment":"positive","sentiment_score":0.5631070673465729},{"text":"So you actually save $481 on investment fees, and you save $67 on administration fees.","start":834.745,"end":843.25,"sentiment":"positive","sentiment_score":0.570706170797348},{"text":"Okay?","start":843.31,"end":843.81,"sentiment":"neutral","sentiment_score":0.23050051927566528}],"sentiment":"positive","sentiment_score":0.5580426788330078,"channel":0,"num_words":50,"start":825.70496,"end":843.81},{"sentences":[{"text":"Yep.","start":843.67,"end":844.17,"sentiment":"neutral","sentiment_score":0.17508506774902344},{"text":"Yep.","start":844.23,"end":844.73,"sentiment":"neutral","sentiment_score":0.2469908446073532}],"sentiment":"neutral","sentiment_score":0.21103795617818832,"channel":1,"num_words":2,"start":843.67,"end":844.73},{"sentences":[{"text":"Beautiful.","start":845.15,"end":845.65,"sentiment":"positive","sentiment_score":0.4853749275207519},{"text":"Now the downside is that Hub twenty four will charge more for the insurances, but when we weigh up the amount you'll be paying for the insurances plus the decrease in administration fees and investment fees, plus the higher performance of the fund, when you project that forward, you're actually gonna be in a greater position over the next five to ten years than you would be if you stayed where you are.","start":845.87,"end":869.065,"sentiment":"neutral","sentiment_score":0.09137766522495713},{"text":"So if you look at table underneath that, you've actually got the projection outcome of if we stayed where you are with everything as it is currently in the three funds or the recommended if we consolidate everything into one place and alter the portfolio as on page twenty five and twenty six.","start":869.065,"end":887.985,"sentiment":"neutral","sentiment_score":0.10732431428612403},{"text":"Can you see that there?","start":888.125,"end":889.425,"sentiment":"neutral","sentiment_score":0.05332233682274819}],"sentiment":"neutral","sentiment_score":0.09932382447137074,"channel":0,"num_words":132,"start":845.15,"end":889.425},{"sentences":[{"text":"Yeah.","start":889.98,"end":890.22,"sentiment":"neutral","sentiment_score":-0.03448529914021492},{"text":"Very small.","start":890.22,"end":891.42,"sentiment":"neutral","sentiment_score":-0.13053592666983604},{"text":"But","start":891.42,"end":891.66,"sentiment":"neutral","sentiment_score":-0.05244220793247223}],"sentiment":"neutral","sentiment_score":-0.08699984010308981,"channel":1,"num_words":4,"start":889.98,"end":891.66},{"sentences":[{"text":"Yeah.","start":891.725,"end":892.225,"sentiment":"neutral","sentiment_score":0.024106677621603012}],"sentiment":"neutral","sentiment_score":0.024106677621603012,"channel":0,"num_words":1,"start":891.725,"end":892.225},{"sentences":[{"text":"yeah.","start":891.74,"end":892.24,"sentiment":"neutral","sentiment_score":0.06056007370352745}],"sentiment":"neutral","sentiment_score":0.06056007370352745,"channel":1,"num_words":1,"start":891.74,"end":892.24},{"sentences":[{"text":"Yeah.","start":893.005,"end":893.505,"sentiment":"neutral","sentiment_score":0.12905386090278623},{"text":"So it essentially shows that if you stayed where you are over the next sort of five to ten years, you could end up with about a 199,000 or 285,000.","start":893.565,"end":902.89,"sentiment":"neutral","sentiment_score":0.15749968054393929},{"text":"Whereas by taking the recommendation consolidating paying less fees, you can end the greater performance from the portfolio over the next five to ten years could actually see you increase to, in five years, see at around about 247,000 or in ten years over 443,000.","start":903.19,"end":921.10504,"sentiment":"positive","sentiment_score":0.48501643935839334}],"sentiment":"positive","sentiment_score":0.3510497901098509,"channel":0,"num_words":76,"start":893.005,"end":921.10504},{"sentences":[{"text":"That's good.","start":921.86,"end":922.75995,"sentiment":"positive","sentiment_score":0.7801908850669861}],"sentiment":"positive","sentiment_score":0.7801908850669861,"channel":1,"num_words":2,"start":921.86,"end":922.75995},{"sentences":[{"text":"Yeah.","start":923.565,"end":924.065,"sentiment":"positive","sentiment_score":0.452830582857132},{"text":"So there is there is a, you know, a base for making the recommendations, putting everything in one place.","start":924.205,"end":929.49,"sentiment":"neutral","sentiment_score":0.31967440090681376},{"text":"I can keep your insurances in AustralianSuper exactly as they are and just move them to hub twenty four, and we can consolidate everything.","start":929.49,"end":936.93,"sentiment":"positive","sentiment_score":0.345912375797828},{"text":"That way, you still have that one fifty of life cover, of TBD cover there as well, and then we can move everything into hub twenty four and have it all invested into one place.","start":936.93,"end":946.145,"sentiment":"neutral","sentiment_score":0.30458219775131773},{"text":"We can give you the contributions form to give to your employer so that your contributions are moved to hub twenty four as well.","start":946.525,"end":953.485,"sentiment":"neutral","sentiment_score":0.19510697945952415}],"sentiment":"neutral","sentiment_score":0.2929270451219336,"channel":0,"num_words":103,"start":923.565,"end":953.485},{"sentences":[{"text":"Okay?","start":953.485,"end":953.985,"sentiment":"neutral","sentiment_score":0.07015424966812134}],"sentiment":"neutral","sentiment_score":0.07015424966812134,"channel":0,"num_words":1,"start":953.485,"end":953.985},{"sentences":[{"text":"Yeah.","start":954.44,"end":954.68,"sentiment":"neutral","sentiment_score":0.04926799237728119},{"text":"Because I think I'm I think I was with the Australian Soup.","start":954.68,"end":958.405,"sentiment":"neutral","sentiment_score":0.012179398909211159},{"text":"Oh, no.","start":958.405,"end":958.72504,"sentiment":"neutral","sentiment_score":-0.02154165180400014},{"text":"That was before because I was doing salary sacrifice with the Australian Soup out","start":958.72504,"end":961.84503,"sentiment":"neutral","sentiment_score":-0.059619879483112266}],"sentiment":"neutral","sentiment_score":-0.023528994382198513,"channel":1,"num_words":29,"start":954.44,"end":961.84503},{"sentences":[{"text":"Yeah.","start":961.69,"end":962.19,"sentiment":"neutral","sentiment_score":0.0008237473666667938}],"sentiment":"neutral","sentiment_score":0.0008237473666667938,"channel":0,"num_words":1,"start":961.69,"end":962.19},{"sentences":[{"text":"of my way, but I think I","start":961.84503,"end":963.28503,"sentiment":"neutral","sentiment_score":-0.012067838705011777}],"sentiment":"neutral","sentiment_score":-0.012067838705011777,"channel":1,"num_words":7,"start":961.84503,"end":963.28503},{"sentences":[{"text":"Yeah.","start":963.13,"end":963.63,"sentiment":"neutral","sentiment_score":-0.016601713374257088}],"sentiment":"neutral","sentiment_score":-0.016601713374257088,"channel":0,"num_words":1,"start":963.13,"end":963.63},{"sentences":[{"text":"have stopped.","start":963.28503,"end":963.945,"sentiment":"neutral","sentiment_score":-0.04705662652850151}],"sentiment":"neutral","sentiment_score":-0.04705662652850151,"channel":1,"num_words":2,"start":963.28503,"end":963.945},{"sentences":[{"text":"And if you decide to it doesn't look like there's anything going in there now.","start":963.69,"end":967.95,"sentiment":"neutral","sentiment_score":-0.004199983924627304},{"text":"But if you decide to salary sacrifice down the track, let me know because you can sell back into Hub twenty four as well, and we can always help you to do that.","start":968.475,"end":976.175,"sentiment":"neutral","sentiment_score":0.09058012655287077}],"sentiment":"neutral","sentiment_score":0.06096134202865263,"channel":0,"num_words":48,"start":963.69,"end":976.175},{"sentences":[{"text":"Yeah.","start":977.01996,"end":977.26,"sentiment":"neutral","sentiment_score":0.033255890011787415},{"text":"Because I think but that's just if I wanted to contribute more because I'm going salary sacrifice with my car in","start":977.26,"end":983.76,"sentiment":"neutral","sentiment_score":0.007061401836662775}],"sentiment":"neutral","sentiment_score":0.008252060390077531,"channel":1,"num_words":22,"start":977.01996,"end":983.76},{"sentences":[{"text":"Yep.","start":983.70996,"end":984.20996,"sentiment":"neutral","sentiment_score":0.021633919328451157}],"sentiment":"neutral","sentiment_score":0.021633919328451157,"channel":0,"num_words":1,"start":983.70996,"end":984.20996},{"sentences":[{"text":"another company soon.","start":983.82,"end":985.12,"sentiment":"neutral","sentiment_score":0.02463766684134801}],"sentiment":"neutral","sentiment_score":0.02463766684134801,"channel":1,"num_words":3,"start":983.82,"end":985.12},{"sentences":[{"text":"Yep.","start":985.79,"end":986.26996,"sentiment":"neutral","sentiment_score":0.14281025528907776},{"text":"Perfect.","start":986.26996,"end":986.76996,"sentiment":"positive","sentiment_score":0.4702502489089966},{"text":"Perfect.","start":987.70996,"end":988.20996,"sentiment":"positive","sentiment_score":0.44508039951324463},{"text":"Now, Brenda, if you scroll down a little bit to the next page, the other thing you wanted me to look up was the insurances as well.","start":989.55,"end":996.26996,"sentiment":"neutral","sentiment_score":0.10149002930632343},{"text":"So as I mentioned, we are transferring your life and TBD into hub twenty four, but you also wanted me to look at getting some income protection.","start":996.26996,"end":1006.335,"sentiment":"neutral","sentiment_score":0.10471813049581316}],"sentiment":"neutral","sentiment_score":0.11624142488366679,"channel":0,"num_words":57,"start":985.79,"end":1006.335},{"sentences":[{"text":"So if in the event you were unable to go to work in the short term, you could claim a monthly benefit under income protection because you don't seem to have any at the moment.","start":1006.555,"end":1014.99,"sentiment":"neutral","sentiment_score":0.06921003865344184},{"text":"Okay?","start":1014.99,"end":1015.49,"sentiment":"neutral","sentiment_score":0.08753864467144012}],"sentiment":"neutral","sentiment_score":0.06971916659838623,"channel":0,"num_words":36,"start":1006.555,"end":1015.49},{"sentences":[{"text":"Yes.","start":1015.46497,"end":1015.96497,"sentiment":"neutral","sentiment_score":0.1140897274017334},{"text":"Yep.","start":1016.02496,"end":1016.52496,"sentiment":"neutral","sentiment_score":0.08263038098812103}],"sentiment":"neutral","sentiment_score":0.09836005419492722,"channel":1,"num_words":2,"start":1015.46497,"end":1016.52496},{"sentences":[{"text":"Yeah.","start":1016.91003,"end":1017.39,"sentiment":"neutral","sentiment_score":0.0009983292547985911},{"text":"So I am recommending that we do apply, and this is on page number 30 for you.","start":1017.39,"end":1021.97003,"sentiment":"neutral","sentiment_score":0.2628295553081176},{"text":"But this is essentially that we do apply for income protection through Neos with a monthly benefit amount of $6,416.","start":1022.19,"end":1031.465,"sentiment":"neutral","sentiment_score":0.23665651232004165},{"text":"It's it'll have a thirty day waiting period and a two year benefit period.","start":1032.005,"end":1036.3251,"sentiment":"neutral","sentiment_score":0.19942655840090343},{"text":"So that means that you if you are unable to go to work, you just have to be off work for thirty days prior to you making a claim, and you can be on a claim for up to two years.","start":1036.3251,"end":1045.65,"sentiment":"neutral","sentiment_score":0.13707594037419413}],"sentiment":"neutral","sentiment_score":0.1894012514929918,"channel":0,"num_words":93,"start":1016.91003,"end":1045.65},{"sentences":[{"text":"Okay?","start":1045.87,"end":1046.37,"sentiment":"neutral","sentiment_score":0.13275618851184845}],"sentiment":"neutral","sentiment_score":0.13275618851184845,"channel":0,"num_words":1,"start":1045.87,"end":1046.37},{"sentences":[{"text":"Yep.","start":1046.8451,"end":1047.3451,"sentiment":"positive","sentiment_score":0.4007844924926758}],"sentiment":"positive","sentiment_score":0.4007844924926758,"channel":1,"num_words":1,"start":1046.8451,"end":1047.3451},{"sentences":[{"text":"Beautiful.","start":1048.19,"end":1048.69,"sentiment":"positive","sentiment_score":0.7365270256996155},{"text":"This the cost of this for the year would come out of super, the same as your life in TBD, and it would be approximately $2,120.91.","start":1049.71,"end":1060.085,"sentiment":"neutral","sentiment_score":0.26117346665033925},{"text":"So in that table above there where we talked about the insurance premium, that $2.06 $8.03, that is the cost of the transfer of the life and TBD and the cost of this income protection policy.","start":1060.085,"end":1071.4,"sentiment":"neutral","sentiment_score":0.07636861761824952},{"text":"Okay?","start":1071.7001,"end":1072.2001,"sentiment":"neutral","sentiment_score":0.018151499330997467}],"sentiment":"neutral","sentiment_score":0.160850920190569,"channel":0,"num_words":64,"start":1048.19,"end":1072.2001},{"sentences":[{"text":"Yeah.","start":1073.925,"end":1074.165,"sentiment":"neutral","sentiment_score":-0.016650941222906113},{"text":"I'm just trying to see where that is.","start":1074.165,"end":1075.4451,"sentiment":"neutral","sentiment_score":-0.07999364007264376},{"text":"I just can't find it.","start":1075.4451,"end":1076.8251,"sentiment":"neutral","sentiment_score":-0.1530805855989456}],"sentiment":"neutral","sentiment_score":-0.10157164212848459,"channel":1,"num_words":14,"start":1073.925,"end":1076.8251},{"sentences":[{"text":"What page are you on?","start":1077.4601,"end":1078.84,"sentiment":"neutral","sentiment_score":-0.03934381864964962}],"sentiment":"neutral","sentiment_score":-0.03934381864964962,"channel":0,"num_words":5,"start":1077.4601,"end":1078.84},{"sentences":[{"text":"Do you happen to do hard copy?","start":1079.685,"end":1081.7051,"sentiment":"neutral","sentiment_score":-0.03242652943091733}],"sentiment":"neutral","sentiment_score":-0.03242652943091733,"channel":1,"num_words":7,"start":1079.685,"end":1081.7051},{"sentences":[{"text":"We can post the hard copy too if you like.","start":1083.275,"end":1085.275,"sentiment":"neutral","sentiment_score":0.0002729533240199089},{"text":"Yeah.","start":1085.275,"end":1085.515,"sentiment":"neutral","sentiment_score":0.0661366879940033},{"text":"Definitely.","start":1085.515,"end":1086.015,"sentiment":"neutral","sentiment_score":0.11400970071554184}],"sentiment":"neutral","sentiment_score":0.015239660162478685,"channel":0,"num_words":12,"start":1083.275,"end":1086.015},{"sentences":[{"text":"Yeah.","start":1086.66,"end":1086.9,"sentiment":"neutral","sentiment_score":0.039093535393476486},{"text":"I'm just thinking maybe that might be a better plan than what we're doing now because I can't see on the pages.","start":1086.9,"end":1092.1001,"sentiment":"neutral","sentiment_score":-0.16747909818183293},{"text":"That's why I'm just thinking if we can do the","start":1092.1001,"end":1094.26,"sentiment":"neutral","sentiment_score":-0.07443250082433224}],"sentiment":"neutral","sentiment_score":-0.1330233828136415,"channel":1,"num_words":33,"start":1086.66,"end":1094.26},{"sentences":[{"text":"Yeah.","start":1094.235,"end":1094.735,"sentiment":"neutral","sentiment_score":-0.06715553998947144}],"sentiment":"neutral","sentiment_score":-0.06715553998947144,"channel":0,"num_words":1,"start":1094.235,"end":1094.735},{"sentences":[{"text":"hard copy because I can't, like, I don't have access to like, I've got access","start":1094.26,"end":1099.1951,"sentiment":"neutral","sentiment_score":-0.21557556490103405}],"sentiment":"neutral","sentiment_score":-0.21557556490103405,"channel":1,"num_words":15,"start":1094.26,"end":1099.1951},{"sentences":[{"text":"The email.","start":1099.01,"end":1099.67,"sentiment":"neutral","sentiment_score":-0.12178949639201164}],"sentiment":"neutral","sentiment_score":-0.12178949639201164,"channel":0,"num_words":2,"start":1099.01,"end":1099.67},{"sentences":[{"text":"to a laptop in there, but I don't wanna go through that way.","start":1099.1951,"end":1101.675,"sentiment":"neutral","sentiment_score":-0.2336025948707874},{"text":"I'll just rather see what I'm seeing, like, what I 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Dana.","start":1252.1869,"end":1253.3868,"sentiment":"positive","sentiment_score":0.7793469429016113},{"text":"Bye.","start":1253.3868,"end":1253.8868,"sentiment":"positive","sentiment_score":0.5121110081672668}],"sentiment":"positive","sentiment_score":0.6898001176970345,"channel":1,"num_words":7,"start":1251.867,"end":1253.8868},{"sentences":[{"text":"Thanks.","start":1253.74,"end":1254.14,"sentiment":"positive","sentiment_score":0.6935168504714966},{"text":"See you later.","start":1254.14,"end":1254.78,"sentiment":"positive","sentiment_score":0.5806194345156351},{"text":"Bye.","start":1254.78,"end":1255.28,"sentiment":"neutral","sentiment_score":-0.11342448741197586}],"sentiment":"positive","sentiment_score":0.46439013332128526,"channel":0,"num_words":5,"start":1253.74,"end":1255.28}]},"summary":{"result":"success","short":"The speakers discuss updating customer advice documents and transferring insurance from old employer to new employer. They recommend filling out necessary forms and signing and returning necessary forms, emphasizing the importance of keeping the free funds open. The speaker also discusses transferring investment funds and selling off investments in various sectors. They emphasize the benefits of consolidating everything into one place and creating a larger portfolio for increased performance over the next five to ten years, recommending transferring life and TBD into hub twenty four, and transferring health insurance coverage. They suggest transferring a hard copy of insurance policy and reordering it if necessary, and offer to provide income protection through Neos."},"intents":{"segments":[{"text":"I need to take 5% of my fever.","start_word":111,"end_word":118,"intents":[{"intent":"Request information on counseling and medication","confidence_score":2.295198e-7}]},{"text":"I did have you booked in to go through and update your advice document to go through the updated one.","start_word":297,"end_word":316,"intents":[{"intent":"Update advice document","confidence_score":0.7641147}]},{"text":"Because I because I, you know, I don't have my emails access to my emails on the laptop, so I'll just read briefly through the text that you sent. Mhmm. Yeah.","start_word":339,"end_word":369,"intents":[{"intent":"Read text","confidence_score":0.068952665}]},{"text":"Did did it seem to make much sense to you? Do you have any questions that have come out of it so far?","start_word":373,"end_word":395,"intents":[{"intent":"Answer questions","confidence_score":0.14951374},{"intent":"Provide information","confidence_score":0.0058622123},{"intent":"Answer questions","confidence_score":0.0008610869}]},{"text":"I thought I was gonna just check the email now. You're right.","start_word":428,"end_word":439,"intents":[{"intent":"Check email","confidence_score":0.42069578}]},{"text":"So can you see that document in the email there?","start_word":461,"end_word":470,"intents":[{"intent":"See document","confidence_score":0.060006697}]},{"text":"So it's got all the forms. So, yep, financial services guide, the IT guide, tab 24 product statements, insurance line, appendix statement. Yep.","start_word":539,"end_word":561,"intents":[{"intent":"Review forms","confidence_score":0.0025758648}]},{"text":"And the statement of advice, it might be the one it probably won't be one of the attachments unless I that number is attached or not. Sorry. Yeah.","start_word":566,"end_word":593,"intents":[{"intent":"Provide statement of advice","confidence_score":0.24919617}]},{"text":"No.","start_word":598,"end_word":598,"intents":[{"intent":"Specify appendix","confidence_score":0.00040862788}]},{"text":"I'm trying to book that one or sign document that one.","start_word":660,"end_word":670,"intents":[{"intent":"Book item","confidence_score":0.0020681561}]},{"text":"I'm trying to book that one or sign document that one. Yeah.","start_word":660,"end_word":671,"intents":[{"intent":"Sign document","confidence_score":0.0026190456}]},{"text":"What I am gonna recommend with the insurances, because you've got about a 150,000 of life and TBD in Australian super, and you wanted to keep that amount, I'm gonna transfer that insurance from Australian super into hub twenty four.","start_word":926,"end_word":965,"intents":[{"intent":"Transfer insurance","confidence_score":0.0024305067}]},{"text":"So the insurances will stay intact exactly as they are, but transferred into hub twenty four, and then we can close off Australian Super, and we can also close off and consolidate the plum super for you. Okay? Yes.","start_word":967,"end_word":1005,"intents":[{"intent":"Consolidate super super funds","confidence_score":0.0047114994},{"intent":"Close off and consolidate","confidence_score":0.00013714674}]},{"text":"So we'll give you your employer contributions form so that they can pay those contributions in the hub twenty four. So we don't need to keep those two accounts open. We'll be able to close Plum Super, Australian Super, move everything into Hub twenty four so it's all in one place. And with the insurances within AustralianSuper, we'll transfer those into Hub twenty four as well. Okay?","start_word":1018,"end_word":1084,"intents":[{"intent":"Transfer contributions","confidence_score":0.34071082}]},{"text":"And is this that this is the form that will transfer it over?","start_word":1085,"end_word":1097,"intents":[{"intent":"Confirm form","confidence_score":0.2544623},{"intent":"Confirm form","confidence_score":0.11939918},{"intent":"Confirm form","confidence_score":0.05097421}]},{"text":"Oh, so this is just signing, just me acknowledge that we've discussed all this. Is that right, this form? Yeah.","start_word":1109,"end_word":1128,"intents":[{"intent":"Sign form","confidence_score":0.31974113}]},{"text":"This will be this document is the statement of advice. So it's basically our recommendation for what we wanna do to help you meet your goals and move forward. And if you're comfortable proceeding, we'll get you to sign this one, return it back, and then we'll start the process and get the forms required to help you along. Okay?","start_word":1131,"end_word":1190,"intents":[{"intent":"Confirm intents","confidence_score":0.031266}]},{"text":"This will be this document is the statement of advice. So it's basically our recommendation for what we wanna do to help you meet your goals and move forward. And if you're comfortable proceeding, we'll get you to sign this one, return it back, and then we'll start the process and get the forms required to help you along. Okay? Yeah.","start_word":1131,"end_word":1191,"intents":[{"intent":"Recommend document","confidence_score":0.0025441959},{"intent":"Obtain forms","confidence_score":0.01046929}]},{"text":"Well, the benefit to that is that Hub twenty four, the same as every other super fund out there, is legislated by the government.","start_word":1284,"end_word":1307,"intents":[{"intent":"Understand benefit","confidence_score":0.1345827}]},{"text":"So we can check what's happening with Hub twenty four.","start_word":1498,"end_word":1507,"intents":[{"intent":"Analyze funds","confidence_score":0.033458192}]},{"text":"I'm gonna be selling off all the Benelon Australian equities. I'll sell off all the Vanguard diversified index fund, all the global health care fund, and all of the Asia fund there.","start_word":1729,"end_word":1760,"intents":[{"intent":"Sell assets","confidence_score":0.20389006}]},{"text":"This is just giving you an outline of what we're gonna make the changes to in the investment wise.","start_word":2296,"end_word":2314,"intents":[{"intent":"Update investment recommendations","confidence_score":0.009559584}]},{"text":"So it essentially shows that if you stayed where you are over the next sort of five to ten years, you could end up with about a 199,000 or 285,000.","start_word":2644,"end_word":2673,"intents":[{"intent":"Calculate future earnings","confidence_score":0.0033628582}]},{"text":"Whereas by taking the recommendation consolidating paying less fees, you can end the greater performance from the portfolio over the next five to ten years could actually see you increase to, in five years, see at around about 247,000 or in ten years over 443,000.","start_word":2675,"end_word":2719,"intents":[{"intent":"Recommend consolidating fees","confidence_score":0.061509565}]},{"text":"Whereas by taking the recommendation consolidating paying less fees, you can end the greater performance from the portfolio over the next five to ten years could actually see you increase to, in five years, see at around about 247,000 or in ten years over 443,000. That's good.","start_word":2675,"end_word":2721,"intents":[{"intent":"Consolidate insurances","confidence_score":0.111634456}]},{"text":"I can keep your insurances in AustralianSuper exactly as they are and just move them to hub twenty four, and we can consolidate everything. That way, you still have that one fifty of life cover, of TBD cover there as well, and then we can move everything into hub twenty four and have it all invested into one place. We can give you the contributions form to give to your employer so that your contributions are moved to hub twenty four as well. Okay? Yeah.","start_word":2741,"end_word":2825,"intents":[{"intent":"Consider moving insurances","confidence_score":0.0046076914}]},{"text":"We can give you the contributions form to give to your employer so that your contributions are moved to hub twenty four as well. Okay?","start_word":2800,"end_word":2824,"intents":[{"intent":"Provide contribution form","confidence_score":0.012192189}]},{"text":"So as I mentioned, we are transferring your life and TBD into hub twenty four, but you also wanted me to look at getting some income protection. So if in the event you were unable to go to work in the short term, you could claim a monthly benefit under income protection because you don't seem to have any at the moment. Okay? Yes. Yep.","start_word":2969,"end_word":3033,"intents":[{"intent":"Discuss income protection benefits","confidence_score":0.034127973}]},{"text":"So I am recommending that we do apply, and this is on page number 30 for you. But this is essentially that we do apply for income protection through Neos with a monthly benefit amount of $6,416.","start_word":3036,"end_word":3072,"intents":[{"intent":"Apply for income protection","confidence_score":0.6194092}]},{"text":"But this is essentially that we do apply for income protection through Neos with a monthly benefit amount of $6,416. It's it'll have a thirty day waiting period and a two year benefit period. So that means that you if you are unable to go to work, you just have to be off work for thirty days prior to you making a claim, and you can be on a claim for up to two years. Okay?","start_word":3052,"end_word":3127,"intents":[{"intent":"Request information on benefits","confidence_score":0.00023952714}]},{"text":"can we do this when I receive all those documents? And then that way, we can actually and I can understand a bit more.","start_word":3320,"end_word":3343,"intents":[{"intent":"Understand the process","confidence_score":0.0017436518}]},{"text":"I can get someone to post that to you next week, and it might take about a week or two to come through.","start_word":3362,"end_word":3384,"intents":[{"intent":"Post document","confidence_score":0.024194783}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Dana. How are you? I'm good. How are you? Yeah. Good. I've got Brenda for you.","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.21116724610328672},{"text":"Oh, amazing.","start_word":18,"end_word":19,"sentiment":"positive","sentiment_score":0.477277398109436},{"text":"Get it done and out of the way.","start_word":20,"end_word":27,"sentiment":"neutral","sentiment_score":0.0652051791548729},{"text":"Oh, for fuck's sake. I'm so freaking lonely, honestly. I've tried so many times to do this.","start_word":28,"end_word":44,"sentiment":"negative","sentiment_score":-0.44520360231399536},{"text":"Oh, and you won't even believe you. You just emailed me as well. Catherine Who am Siva. I? Catherine who? Catherine Seba. We've been I've been trying to Oh ask the girls. Been trying to fucking do advice for her and her partner for the past near twelve months, and my she's goodness. just not responded. And she's like, hi. Can you send me the information? I need to take 5% of my fever. I'm Oh like, my we were goodness. meant to do advice to you, and we just couldn't get in contact with either of you. Yeah. And Oh she's my like, goodness. I just wanna do it, like, monthly now. And I'm like, I you haven't done anything. Oh my goodness. Well, have fun. I'll transfer you Far through now. out. Hang on two secs. I was trying Alright. to pull up the document. Now you're Yeah. done. I've got it here. It's open. You Thank got you it? so much. Send us through whenever you're ready. All good. Alrighty. Have fun. Thank you. Hi. Hi, Brenda. It's Jane. How are you? I'm doing okay. How are you? Better? I'm very well. Thank you. Can you hear me okay? Yep. Fantastic. So it was a little bit patchy on on my end. I thought maybe it was the both of us. It's all good. Yes. Yes. I I can How's hear you.","start_word":45,"end_word":279,"sentiment":"neutral","sentiment_score":-0.02951553463935852},{"text":"your fantastic.","start_word":280,"end_word":281,"sentiment":"positive","sentiment_score":0.3784043192863464},{"text":"How's your day been so far? Yeah. Long. Yeah. Long. Yeah. No. That's okay.","start_word":282,"end_word":295,"sentiment":"neutral","sentiment_score":0.08352446556091309},{"text":"I did have you booked in to go through and update your advice document to go through the updated one. Is now still a good time to run through that? I can try to do it as quickly as possible for you.","start_word":296,"end_word":337,"sentiment":"positive","sentiment_score":0.4451083540916443},{"text":"Yeah. Because I because I, you know, I don't have my emails access to my emails on the laptop, so I'll just read briefly through the text that you sent. Mhmm. Yeah. Yeah. Yeah.","start_word":338,"end_word":371,"sentiment":"neutral","sentiment_score":0.03381824493408203},{"text":"Perfect. Did did it seem to make much sense to you?","start_word":372,"end_word":382,"sentiment":"positive","sentiment_score":0.5259200930595398},{"text":"Do you have any questions that have come out of it so far? I'll go through and go through again the parts that I need to. But is there any questions that sort of came to mind as you were going through it? Yeah. Yep. I thought I was gonna just check the email now. You're right. Where is it now? So which one did you wanna start with, or do you wanna Just a statement of advice. So can you see that document in the email there? yep. I'm just pulling it up. Where is this Yeah. email or two?","start_word":383,"end_word":483,"sentiment":"neutral","sentiment_score":0.10359719395637512},{"text":"Beautiful.","start_word":484,"end_word":484,"sentiment":"positive","sentiment_score":0.5010079741477966},{"text":"When you pull it up, I'll take you through the pages that we need to sort of focus on, and I'll see if I can answer any questions that you might have as well as I'm going through the things I need to. But if anything pops up, just let me know. Okay? Okay. So it's got all the forms. So, yep, financial services guide, the IT guide, tab 24 product statements, insurance line, appendix statement. Yep. All of those. Yep. And the statement of advice, it might be the one it probably won't be one of the attachments unless I that number is attached or not. Sorry. Yeah. Appendix to the SOA? No. You want the actual statement of advice. The appendix is just the research conducted. If you the SOA should be the one that has the sign buttons attached to it. So when you open the email, it should say it should have the document at the front there. It might even say view to sign or view to open. Yeah. No. I'm trying to book that one or sign document that one. Yeah. That's the one. Yeah. So if you press the button and continue through, it'll let you look at the SOA without actually signing it. You don't have to sign it yet. Okay. So I click to start. Yep. And once you're in that document, if you go down to page number 25, I'll take you through the important parts of it, explain the bits and pieces, and then you'll be able to go back and reread it again later on if you want to. Okay. So Okay. yep.","start_word":485,"end_word":759,"sentiment":"neutral","sentiment_score":0.08706395146521655},{"text":"So that one Perfect.","start_word":760,"end_word":763,"sentiment":"positive","sentiment_score":0.622039258480072},{"text":"On the very front page, it will say statement of advice prepared for yourself. It's also got my registration and license number registered with ASIC, which is 1304394. What page was that? And 50 this six is six eight or page 25. Page 25. Yeah. It'll have the investments noted on the heading. Yep.","start_word":764,"end_word":817,"sentiment":"neutral","sentiment_score":0.13831226527690887},{"text":"I Perfect. think that's the one.","start_word":818,"end_word":823,"sentiment":"positive","sentiment_score":0.41644152998924255},{"text":"Yep.","start_word":824,"end_word":824,"sentiment":"neutral","sentiment_score":0.231427401304245},{"text":"Perfect.","start_word":825,"end_word":825,"sentiment":"positive","sentiment_score":0.4515159130096435},{"text":"Alright. I don't have one of those big flash phones. I'm just a little tiny fan. No. That's okay. You're absolutely fine. You're absolutely fine. Okay. So in this one here, when you've got that investment table, just let me know, and I'll start sort of explaining the recommendations there to you. Yep.","start_word":826,"end_word":878,"sentiment":"neutral","sentiment_score":0.0395832322537899},{"text":"Got it. Beautiful.","start_word":879,"end_word":881,"sentiment":"positive","sentiment_score":0.4941027760505676},{"text":"Now with the investment table there, you'll see, essentially, we are looking to do a bit of an investment switch. So at the moment, you do have your three super funds. You've got your plum super, your Australian super, and your 100 twenty four. What I am gonna recommend with the insurances, because you've got about a 150,000 of life and TBD in Australian super, and you wanted to keep that amount, I'm gonna transfer that insurance from Australian super into hub twenty four. So the insurances will stay intact exactly as they are, but transferred into hub twenty four, and then we can close off Australian Super, and we can also close off and consolidate the plum super for you. Okay? Yes. I think I'm in yeah. Somerset is my new employee, I think. Yeah. So we'll give you your employer contributions form so that they can pay those contributions in the hub twenty four. So we don't need to keep those two accounts open.","start_word":882,"end_word":1047,"sentiment":"neutral","sentiment_score":0.2025574542671801},{"text":"We'll be able to close Plum Super, Australian Super, move everything into Hub twenty four so it's all in one place.","start_word":1048,"end_word":1068,"sentiment":"positive","sentiment_score":0.4159424602985382},{"text":"And with the insurances within AustralianSuper, we'll transfer those into Hub twenty four as well. Okay? And is this that this is the form that will transfer it over? No. We'll give you the form to do the transfer. Yeah. Oh, so this is just signing, just me acknowledge that we've discussed all this. Is that right, this form? Yeah. Yeah. Yeah. This will be this document is the statement of advice.","start_word":1069,"end_word":1140,"sentiment":"neutral","sentiment_score":0.1019693985581398},{"text":"So it's basically our recommendation for what we wanna do to help you meet your goals and move forward.","start_word":1141,"end_word":1159,"sentiment":"positive","sentiment_score":0.4771993160247803},{"text":"And if you're comfortable proceeding, we'll get you to sign this one, return it back, and then we'll start the process and get the forms required to help you along. Okay? Yeah. Because I know I've got those three super funds. Yeah. Yes. Because I wasn't sure, you know, like, with having three of them open, you know, the fees and administration cost that goes with it. I didn't know There's a lot. you know, me, I Yeah. was just to those super funds just for safekeeping because I didn't know how if anything was to happen, then I'd you know, I don't want to lose all this money. Just got it rolling it all into Hub twenty two. No. No. Of course. Understandable. Well, the benefit to that is that Hub twenty four, the same as every other super fund out there, is legislated by the government. So, essentially, hub twenty four, the super fund itself is just the investment vehicle. Your money is actually invested into those investments you see underlined there. So if, say, hub twenty four had an issue and it went bad, you wouldn't lose your money because it's still invested in these sorts of areas here. So those Yep. investments could be moved to another platform. We could sell out of them. There'd be a whole bunch of things that can be done. Yep. But, essentially, if hub twenty four as a super fund was to go, you know, completely broke because, you know, the investments were basically zero, then it would essentially mean that every other super fund has done the exact same thing.","start_word":1160,"end_word":1430,"sentiment":"neutral","sentiment_score":-0.022658012972326735},{"text":"That would have to be a pretty drastic problem to have where super Yes. funds everywhere would go broke.","start_word":1431,"end_word":1449,"sentiment":"negative","sentiment_score":-0.36477556824684143},{"text":"So it's not something that we expect to happen, obviously, but, look, keeping the free funds open is quite expensive, and I'll show you the cost there at the moment. Consolidating to one place is really the best idea, and we monitor and look after this for you. So we can check what's happening with Hub twenty four. If there's any risk that you're gonna lose a lot of money, then we'll try to move everything out quickly and buy and change the investments that way.","start_word":1450,"end_word":1535,"sentiment":"neutral","sentiment_score":-0.018068617209792137},{"text":"Everything is continuously working for you.","start_word":1536,"end_word":1541,"sentiment":"positive","sentiment_score":0.502048909664154},{"text":"So, you know, it's only a very small risk that super funds anywhere are gonna go broke and that you'll lose any of your money. And if it's something that happens, it's gonna happen to an industry fund before it happens to a retail fund. Yep. Okay?","start_word":1542,"end_word":1588,"sentiment":"neutral","sentiment_score":-0.07452435046434402},{"text":"All good.","start_word":1589,"end_word":1590,"sentiment":"positive","sentiment_score":0.4538956880569458},{"text":"I've honestly never seen a super fund go broke in Australia before, so it's it's actually not too not not something you need to really worry too much about. Oh, okay. Yeah. All good. So, yeah, with the sorry. You're right? Yeah. No. I hear it's got stuff on page 58 for some reason. I don't know why. That's okay. I'm still just looking at page number 25 there. So with the investment, as I mentioned, we're recommending that we roll you out of Plum Super and Australian Super and consolidate everything into Hub twenty four. Within Hub twenty four, I'm also gonna switch the investments a little bit because some of them have been underperforming, and we wanna obviously make sure we're diversifying and lowering your risk level as much as possible and minimizing fees. So Yep. I'm gonna be selling off all the Benelon Australian equities. I'll sell off all the Vanguard diversified index fund, all the global health care fund, and all of the Asia fund there. We're also gonna be selling off the battery and lithium tech and the agriculture fund, and we're gonna be buying more into the cybersecurity. We'll buy more into the Europe and The US exposure. We'll buy more into Japan. We're buying into the all world index fund, which is the one on page number 26 for you. Okay? Yep. We're gonna also buy the Australian 200, which is the top 200 companies on the Australian ASX, and then we're also gonna buy physical gold. And the last investment is the core composite bonds, So having some lower risk defensive investments as well there for you. So, essentially, that's what you're gonna see. All the green ones are what we're gonna buy into, and all the red ones are what we're gonna sell off. Does that make sense? Yeah. I'm just looking at all that now. Yeah. That's okay. That's alright. I won't go too far into them, but, essentially, this is just removing some of the investments that have been underperforming and not performing as well.","start_word":1591,"end_word":1936,"sentiment":"neutral","sentiment_score":0.1249221870837184},{"text":"The newer investments are lower cost. They're well diversified. It's about making sure you're lowering your risk level in your portfolio, but also investing in areas where we see great potential growth.","start_word":1937,"end_word":1968,"sentiment":"positive","sentiment_score":0.4589639902114868},{"text":"And I know there's a lot going on with The US and Iran out there at the moment, but The US market is still not bad and has seen some really good growth over the past month even with what's happening out there at the at the time.","start_word":1969,"end_word":2016,"sentiment":"neutral","sentiment_score":0.2273312211036682},{"text":"So it is still a really good place to be invested.","start_word":2017,"end_word":2027,"sentiment":"positive","sentiment_score":0.7161991000175476},{"text":"By removing the Benelon Australian Equities, which is at 35% on the bottom there of the 20 page 25. Bennelong only has about 20 to 30 different investment options in it. So I'm replacing that with the BetaShares a 200, which is gonna see 25% invested in there, and that's the third one down on page 26. Yep. I can Okay. see that. Yeah. So that investment there essentially is giving you access to the top 200 companies on the Australian stock market.","start_word":2028,"end_word":2110,"sentiment":"neutral","sentiment_score":0.15679557621479034},{"text":"So, realistically, when we're replacing an investment with 25 or 30 different investments in it with something with 200 investments in it, you're essentially creating greater diversification and lowering your risk level. So it is helping to spread your risk out much further.","start_word":2111,"end_word":2153,"sentiment":"positive","sentiment_score":0.35197463631629944},{"text":"Does that make sense? Sounds okay. It sounds okay. Yeah. Because I'm just looking It's at all good. service. Yeah. I will look after you. I promise, Brenda. Don't worry. Yeah. That's It why is I'm just I've been putting this off for a while because I just didn't like, I wish I had my all this on my laptop because I'm still trying to get that bloody fixed up and so I can see what they're doing it on my phone. yeah. Oh, yeah. That's okay. So I don't know. I That's don't know. okay. As I said, I'll go through this now with you, then you can go back and have a bit of a read through it page by page, take it minute by minute, and let me know if you do happen to have any additional questions there. This is just giving you an outline of what we're gonna make the changes to in the investment wise. I won't go into too much detail and make it too confusing. But when you have time to go through it properly, let me know if there's any questions there. Okay? Yep. Now with regard to the fees, to show you why I'm making the changes, if you go to page 28, you'll see there's a fee table there.","start_word":2154,"end_word":2373,"sentiment":"neutral","sentiment_score":0.03918589472093365},{"text":"Yep. Beautiful. So the current side of that fee table shows you have 24, your plum super, and your Australian super, and you've got the administration fees and investment fees, your adviser fee coming out here, contributions going in, and the insurance premiums that you're paying for AustralianSuper there as well.","start_word":2374,"end_word":2424,"sentiment":"positive","sentiment_score":0.3674771785736084},{"text":"Okay?","start_word":2425,"end_word":2425,"sentiment":"neutral","sentiment_score":0.22818642854690552},{"text":"With making the changes, your insurance premiums will still continue. We can transfer the insurances to come out of hub twenty four so everything can be consolidated. But you can see by putting the money into hub twenty four, you end up with more money at the beginning in one place. And then you're also saving. Your investment fees go down. So you actually save $481 on investment fees, and you save $67 on administration fees.","start_word":2426,"end_word":2501,"sentiment":"positive","sentiment_score":0.5013991594314575},{"text":"Okay? Yep. Yep.","start_word":2502,"end_word":2504,"sentiment":"neutral","sentiment_score":0.2159035801887512},{"text":"Beautiful.","start_word":2505,"end_word":2505,"sentiment":"positive","sentiment_score":0.4853749275207519},{"text":"Now the downside is that Hub twenty four will charge more for the insurances, but when we weigh up the amount you'll be paying for the insurances plus the decrease in administration fees and investment fees, plus the higher performance of the fund, when you project that forward, you're actually gonna be in a greater position over the next five to ten years than you would be if you stayed where you are. So if you look at table underneath that, you've actually got the projection outcome of if we stayed where you are with everything as it is currently in the three funds or the recommended if we consolidate everything into one place and alter the portfolio as on page twenty five and twenty six. Can you see that there? Yeah. Very small. But Yeah. yeah. Yeah. So it essentially shows that if you stayed where you are over the next sort of five to ten years, you could end up with about a 199,000 or 285,000.","start_word":2506,"end_word":2673,"sentiment":"neutral","sentiment_score":0.10748105496168137},{"text":"Whereas by taking the recommendation consolidating paying less fees, you can end the greater performance from the portfolio over the next five to ten years could actually see you increase to, in five years, see at around about 247,000 or in ten years over 443,000. That's good. Yeah.","start_word":2674,"end_word":2721,"sentiment":"positive","sentiment_score":0.4926762878894806},{"text":"So there is there is a, you know, a base for making the recommendations, putting everything in one place.","start_word":2722,"end_word":2740,"sentiment":"neutral","sentiment_score":0.3163723051548004},{"text":"I can keep your insurances in AustralianSuper exactly as they are and just move them to hub twenty four, and we can consolidate everything.","start_word":2741,"end_word":2764,"sentiment":"positive","sentiment_score":0.3452962040901184},{"text":"That way, you still have that one fifty of life cover, of TBD cover there as well, and then we can move everything into hub twenty four and have it all invested into one place. We can give you the contributions form to give to your employer so that your contributions are moved to hub twenty four as well. Okay? Yeah. Because I think I'm I think I was with the Australian Soup. Oh, no. That was before because I was doing salary sacrifice with the Australian Soup out Yeah. of my way, but I think I Yeah. have stopped. And if you decide to it doesn't look like there's anything going in there now. But if you decide to salary sacrifice down the track, let me know because you can sell back into Hub twenty four as well, and we can always help you to do that. Yeah. Because I think but that's just if I wanted to contribute more because I'm going salary sacrifice with my car in Yep. another company soon. Yep.","start_word":2765,"end_word":2939,"sentiment":"neutral","sentiment_score":0.09378136694431304},{"text":"Perfect. Perfect.","start_word":2940,"end_word":2941,"sentiment":"positive","sentiment_score":0.4576653242111206},{"text":"Now, Brenda, if you scroll down a little bit to the next page, the other thing you wanted me to look up was the insurances as well. So as I mentioned, we are transferring your life and TBD into hub twenty four, but you also wanted me to look at getting some income protection. So if in the event you were unable to go to work in the short term, you could claim a monthly benefit under income protection because you don't seem to have any at the moment. Okay? Yes. Yep. Yeah. So I am recommending that we do apply, and this is on page number 30 for you. But this is essentially that we do apply for income protection through Neos with a monthly benefit amount of $6,416. It's it'll have a thirty day waiting period and a two year benefit period. So that means that you if you are unable to go to work, you just have to be off work for thirty days prior to you making a claim, and you can be on a claim for up to two years. Okay?","start_word":2942,"end_word":3127,"sentiment":"neutral","sentiment_score":0.14349372312426567},{"text":"Yep. Beautiful.","start_word":3128,"end_word":3129,"sentiment":"positive","sentiment_score":0.5350815057754517},{"text":"This the cost of this for the year would come out of super, the same as your life in TBD, and it would be approximately $2,120.91. So in that table above there where we talked about the insurance premium, that $2.06 $8.03, that is the cost of the transfer of the life and TBD and the cost of this income protection policy. Okay? Yeah. I'm just trying to see where that is. I just can't find it. What page are you on? Do you happen to do hard copy? We can post the hard copy too if you like. Yeah. Definitely. Yeah. I'm just thinking maybe that might be a better plan than what we're doing now because I can't see on the pages. That's why I'm just thinking if we can do the Yeah. hard copy because I can't, like, I don't have access to like, I've got access The email. to a laptop in there, but I don't wanna go through that way. I'll just rather see what I'm seeing, like, what I can't Yeah. see That's exactly what fine. you're doing. So I'm thinking, No. That's okay. can we do this when I receive all those documents? And then that way, we can actually and I can understand a bit more. Because at the moment, I'm just squeezing in what I can on my phone. Yeah. That's fine. I can get someone to post that to you next week, and it might take about a week or two to come through. That's okay. Because I've just I'm just afraid that I'm saying yes. Yes. Yes. And I'm not even looking at the documents properly, you know. No. That's okay. Keeping in mind, you don't have to sign anything. So you can escape out of that. It's not asking you to sign that document today by no means. It's just kinda going through the sections there. But if you wanna put this up, I can rebook it for in two weeks if you like, and we can get the document posted to you next week. Yep. Yep.","start_word":3130,"end_word":3478,"sentiment":"neutral","sentiment_score":-0.01153998482534742},{"text":"That sounds good. I I actually think that's better for me.","start_word":3479,"end_word":3489,"sentiment":"positive","sentiment_score":0.5020676255226135},{"text":"Yep. Yeah.","start_word":3490,"end_word":3491,"sentiment":"neutral","sentiment_score":0.21153119206428528},{"text":"Perfect.","start_word":3492,"end_word":3492,"sentiment":"positive","sentiment_score":0.4030057489871979},{"text":"No problem at all. So if I rebook it for two June weeks 4. for you, Yep. that'll be Thursday, June 4. Did you want in the afternoon about the same time? Or Yeah. Afternoon would be good.","start_word":3493,"end_word":3530,"sentiment":"neutral","sentiment_score":0.1065516322851181},{"text":"Thanks.","start_word":3531,"end_word":3531,"sentiment":"positive","sentiment_score":0.3394133150577545},{"text":"Yep.","start_word":3532,"end_word":3532,"sentiment":"neutral","sentiment_score":0.22718779742717743},{"text":"Beautiful.","start_word":3533,"end_word":3533,"sentiment":"positive","sentiment_score":0.44583141803741455},{"text":"Because June 4, Lovely. how far is it? That's two weeks. Oh, yep. Wait. I'm just checking my calendar. June 4. Yep. Not all good. June 4 is good.","start_word":3534,"end_word":3562,"sentiment":"neutral","sentiment_score":0.10479505360126495},{"text":"Beautiful.","start_word":3563,"end_word":3563,"sentiment":"positive","sentiment_score":0.5338208079338074},{"text":"I'll pop it in there for you. It'll be 03:30 my time, which is 03:00 your time, the same as we have today, and I'll get someone to post those to you early next week. Okay? Yep.","start_word":3564,"end_word":3600,"sentiment":"neutral","sentiment_score":0.1800239086151123},{"text":"Sounds like a good plan because I just thought about Beautiful.","start_word":3601,"end_word":3611,"sentiment":"positive","sentiment_score":0.49296990036964417},{"text":"it. I'm just I'm not in a right mindset right now either. No. That's okay. Not a problem at all.","start_word":3612,"end_word":3631,"sentiment":"neutral","sentiment_score":0.012683052569627762},{"text":"I've rebooked that one for you.","start_word":3632,"end_word":3637,"sentiment":"positive","sentiment_score":0.37760788202285767},{"text":"I'll get someone to post it.","start_word":3638,"end_word":3643,"sentiment":"neutral","sentiment_score":0.30423980951309204},{"text":"In the meantime, if you are able to get into your emails and whatever, have a bit of a look at it, absolutely fine.","start_word":3644,"end_word":3667,"sentiment":"positive","sentiment_score":0.4258134067058563},{"text":"And, again, if you do have any questions, just let me know. Okay? Yep.","start_word":3668,"end_word":3681,"sentiment":"neutral","sentiment_score":0.20243986589568003},{"text":"Perfect.","start_word":3682,"end_word":3682,"sentiment":"positive","sentiment_score":0.7524935007095337},{"text":"Because I might even actually, yeah, I can actually download them on my phone so I can call them and I can go and print them out somewhere, actually. But do the post do the post Yep. and I'll figure out that in the interim, I might be just go and put them on my phone then I can go print them out somewhere over there and yeah. I'll figure Yep. that part out. And if I do actually print them out sooner, I'll let you know.","start_word":3683,"end_word":3769,"sentiment":"neutral","sentiment_score":0.17500543594360352},{"text":"No worries at all. Thanks so much. I'll talk to you soon, Brenda. You have a good afternoon. Yep. Thanks for your time, Dana. Bye. Thanks. See you later.","start_word":3770,"end_word":3798,"sentiment":"positive","sentiment_score":0.6478215456008911},{"text":"Bye.","start_word":3799,"end_word":3799,"sentiment":"neutral","sentiment_score":0.3303688168525696}],"average":{"sentiment":"neutral","sentiment_score":0.11814752605414112}}}}