{"metadata":{"transaction_key":"deprecated","request_id":"019eb4ce-4fd1-7e71-987e-5a53bb4b8a12","sha256":"e6a61a341a39bb43a2a8f46e49bae2aec11036a4b220b7538379140b426e11d1","created":"2026-06-11T03:51:23.992Z","duration":1218.0239,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":4826,"output_tokens":146},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5267,"output_tokens":5278},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5267,"output_tokens":684}},"results":{"channels":[{"alternatives":[{"transcript":"Hi. This is Dana from Okie Financial. How are you this afternoon? Very well. Thank you. I have you booked in just to go through an updated statement of of advice this afternoon. Is now still a good time there for you? Fantastic. Just before we jump into the call there, I do need to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Fantastic. And just to do security there with you as well, just because we are discussing your personal information, I just need to confirm your full name, your date of birth, and address I should have on file here for you. Yep. Yep. Lovely. Thank you so much for that. Bethan, do you happen to have access to your emails at the moment? If you don't, that's absolutely fine. You do? Fantastic. I'm just gonna send through this one to you once it comes through. If you could open up the document there. We're just looking at the statement of advice, which should be the first document in the email there, and I'll take you through these updated recommendations. Okay. Fantastic. And how's your day been so far? Yeah. Good. Busy. But that's okay. We like it that way. Is it is it really cold down there at the moment? Oh, yeah. Because that Melbourne weather. Ew. I'm a bit weak up here in Queensland. We have the Gold Coast winters, and that's not as bad as yours. So oh, that is good. That is so good. Has that email popped through there to you at all? Fantastic. So with this one here on the front, you'll see the Ophi Financial statement of advice, and it has been prepared for yourself as of the June 11. We put today's date, which is the presentation date there for you. So you do have sixty days to review the document to decide whether you wanna take on the recommendations or not. At the very bottom of the document there, it does also have my representative number. So I'm licensed through Affic, and my registration number's 1304394. Okay. Fantastic. As you are sort of scrolling through the first few pages there, it does note the scope of the advice. So last time we caught up, you wanted to look at the wanted us to sort of have a look and see if you were on track to meet your goals. You were hoping to sort of retire around about age 67 at the time. Do you still think that's sort of the goal age? Or yeah. Yes. That's okay. And you were hoping to, at the time, living on about $1,000 a week per sorry, per week of income in retirement there, that could definitely change. You still got a lot of time between now to then. That's just the goal we're working on for the moment there for you. Okay? With your income protection, you were happy with the licensed EPDs and bonus that you did have, but your income your income protection was a bit underinsured there. So you did wanna look at increasing that slightly. So we have received an updated quote there for you and are looking to increase that, and I'll show you the effect. Okay? Areas that we've sketched out for the advice is your life with CBD. We're happy not to to keep those as they were and didn't wanna take any additional recommendations around trauma, so they are spread out of the advice. And you were also saving the purchase a new car. Have you managed to do that yet, or are you still saving? Oh, fantastic. It was a Mitsubishi ASX you were after? Yes. Oh, fantastic. Is it everything you thought it was gonna be? Yes. Fantastic. That is so, so good to see. To make this a bit easier on you, I will let you go back and definitely have a review of all the pages and reach you with the advice prior to accepting it. But to make it a bit easier, just so we can go through the recommendations that we've made there for you, if I can get you to scroll down for me, essentially, to page number so sorry. There we go. Page number 19 for me. Perfect. So when you came on board originally, you did have a much of a smaller balance there. So we had put you into the hub 24 discover, and then you and you were sent into the iShares SMA to be able to build your balance up. The goal moving forward for that was once your balance hit a certain target or was high enough to be able to move you into a more elaborate product, so a product that had a lot more options of investments that could provide a greater level of return and help to grow your funds even more. That that was essentially what we wanted to try and do. With the iShares product there, we've kinda gone back and had a really good look at how your super has been performing, the additional growth that you've seen. Hasn't been too bad at all. When I have a look at from inception, because you're in your third year now, over the past couple of years since 2024 in February, your portfolio has made a 30.36 return since coming on board. So it has seen some really great additional growth there. What I am recommending in order to make sure that your super continues to work harder for you is to keep you within Hub twenty four because it is a great product. It is a great super fund, and there's no real need to change the the actual super fund at the moment. But to move you from the Discover to the Choice product, essentially, Discover only has a couple of different options to invest in. It's meant to be a low cost, simple product that is there to kind of build super up. The Choice product essentially allows us to invest in anywhere up to 1,178 different investment options. That's managed funds, exchange traded funds, and individual companies. So we can, like, build those portfolios that are working harder and trying to get greater potential returns down the track. So we've got your balance up to about 60 k now. Now we just wanna keep it working harder and try to get some additional growth. That way, it can compound a bit faster for you and grow towards your goals at the age of 67. Does that make sense? Yeah. So with the change, it is very simple. There is no major rollovers or changes to make. This is the form that we get you to sign, and everything changes in the back end. And then once we complete that change of product, we're gonna move your investment. So move you out of the iShares SMA product and into a new diversified portfolio, which if you have a look at the bottom of that table there, the old the older sort of iShares product over the past five years has averaged about 9.61%, which is great, but the newer investment portfolio has had a greater past performance. So when we utilize what's been happening in the past five years with this sort of a portfolio, we can see and expect that in the future, we should be able to get greater returns moving forward. And that's what we want. We wanna make sure your returns aren't limited. We wanna keep evolving the the product, keep evolving the investment so that you're always making money and growing your super to the best that possibly can. Okay? So with the difference in the fees, because it's really important that we kinda go through that with you, the admin fees there, they do increase a little bit by about a $158, but the newer portfolio is also cheaper. So it saves you about a $106 in investment fees. And moving forward, that compound effect could have a greater effect for you. The ongoing service fee, we do have to turn that on. So I know for the past two years, we haven't charged an ongoing service fee, but we are gonna have to turn that on moving forward because this requires a lot more maintenance. And we wanna keep evolving the advice and working harder towards your goals there. Our ongoing service fee is 1.65% per annum, and it is deducted in smaller monthly increments. So, essentially, our ongoing service fee, it fluctuates with the market. So when the market is doing really well and your performance is much higher, it does mean that our fee does increase there with it as well. However, at times when market sees volatility and downtime, then our fee takes a bit of a dip there with it. So as a percentage, they see it fluctuates and goes up and down with the market. Does that make sense? Yeah. Perfect. I just wanted to make sure I'm clarifying and make sure I'm open and honest with you as well because I sort of weighed up all the options. And this the portfolio has done really well, and not having that ongoing service takes the past two years has definitely been a benefit there. But this moving forward will require a little bit more in the way of maintenance and ongoing service and updating the advice. We wanna make sure that, obviously, there is a point where Affley has to turn on. So I just wanted to make sure I'm open and honest with you about that. Okay? Excellent. If you go just above the two pages, you'll see the investment table. That's on page number eight 17 there for you, and you'll see the difference in the investment. So we'll move you out of the iShares enhanced strategic aggressive portfolio there and move you into what's been noted below here. So once we complete the switch, you'll have some investment in global cybersecurity. We'll have the European investment there, which gives you access to other 16 countries within Europe and a global diversified European portfolio. We'll have some investment in Japan. We've also got the Vanguard all world ex US. This is giving you exposure to the entire globe minus The US or the American market, and that's because we have the S and P 500 under here, which is a US exposure giving you access to the top 500 companies on The US market. So we have that in there as well. You've also got the beta shares a 200, which is giving you exposure to the top 200 companies on the ASX. They're giving you some Australian exposure and then some global physical gold as well. So this is gold bullion, which is held in a bank vault in London, believe it or not. And global that's essentially tracked the physical gold brass, and that has done phenomenal over the last couple of years. So having some physical gold in your portfolio is really great there as well. And then because you are a growth investor, having some defensive investments like fixed interest and bonds and cash and things like that is important. So the iShares core composite bond is giving you access to a global sorry. Well, it gives you access to global, but it's mostly Australian held treasury and government bonds as well as some corporate bonds there as well. So bonds are low risk. They do tend to get a lower rate of return, but they're good for income producing. We wanna generate income from your portfolio as well, which can be re allocated back into this portfolio to help with that compounding effect. Does that make sense? Yeah. Beautiful. So that's essentially what you'll see your portfolio diversified into. I do go a little bit simpler on that one. If you wanted more information or maybe going even deeper, absolutely, because not everyone's that interested in the investment side of things. So did you have any questions at the moment in relation to any of those? Yeah. Beautiful. We'll still keep a bit of cash with Hub twenty four. We do need to keep 1.25% cash in there, so we expect about $753 to be held in cash once the portfolio has been altered. And we do understand there is a CGT effect. So whenever we do make changes to investments or within a portfolio, believe it or not, your Superfund, just like you, does a tax return every year. On that sheet comparison table on page number 19 there, you'll see the difference of $913. So, essentially, that's taking into account the CGT effect or the capital gains effect that Hub twenty four will have to take into account when they complete the investment switch. Does that make sense? Yeah. Beautiful. All in all, it's a much more diversified portfolio. It's definitely giving you access to greater potential returns there. It is reducing a bit of risk there as well, and also reducing the investment fees, which is, you know, really good. When we kinda project the outcome or the the fee table, the outcome there for your fees, your insurance premiums, your contributions going in, and the past rolling average of the portfolio has been able to reduce over the next five to ten years, so we can sort of see and project that it should put you in a much greater position than where you are currently if you stay in the same portfolio. Does that make sense? Yeah. Do you have any questions so far at all? No. Excellent. If you scroll down a little bit further to page number 21 there, this is just the assurances. The other kind of one, so you are happy with the life and CBD cover that you held. Essentially, your life cover has a current sum insured of 661,500 and the same with the TBD cover there. However, you will get underinsured with the income protection side of things. So we are recommending that we just increase your income protection so that you do have that monthly benefit that covers up to 70% of your income if in the event that you're off work due to illness or injury. That essentially means that we just need to increase your income protection, some insured, to $4,510 on a monthly basis. We still keep that waiting period of thirty days, still keep the benefit period of five years, and the insurance premium just goes up. The total premium for the year goes up from $14.47 to $15.39 there. So only a small increase to to bring up that income protection monthly benefit there for you. Okay? Easy. I'm having a look at your pre assessment there. There was no major changes to reflect, so going through the application should be a very, very simple process for you. Essentially, if you decide to take on those recommendations, how we'll kinda go through the process is we'll start just by altering the hub 24. So we're in the choice product there. We'll complete the investment switch, and then we'll book you in with one of our lovely admin team members who'll go through an increased application for your income protection. That then just goes back to the insurer. They'll do a quick underwriting assessment and then come back and offer the cover, and that'll all kinda go through fairly quickly there for you. You know? We did a bit of a pre assessment late late last year with you, and there's really nothing there that flags that would require any loadings or exclusions to be added to the policy unless there's any been any major changes in your health in the last few months there. But it sounds like you're nice and healthy and look after yourself really well, so I don't foresee any major issues. Yeah. All good. Throughout that document there, we do outline the advantages, the disadvantages, the risks involved, any alternatives that I've researched and considered there for you as well. And on page number 22, we do also have a little table that shows you the difference in the projection table above, but also a consideration. If you had no insurances paid out of your super, over the next five to ten years, you could end up with a much greater level of a super so your super could grow even more. It's just sort of showing you that there is an impact on your retirement outcome when you do have insurances paid out of super, but that's kind of a funny one because we all wanna have a little bit of cover to look after and protect us in the event that something happens, and paying it out of that super is, you know, the best way to hold the cover. That way, we're not paying those premiums every year out of our back pocket. But it's about making sure that we review those insurances every year to make sure as, you know, essentially, as you get older, those insurance premiums are gonna get more and more expensive. So being able to review those every year just means that we can keep the insurances in line with your goals and your needs, but also trying to make sure they don't eat away all of your super at the same time. Yeah. All good. Do you have any questions or anything you kinda wanted me to go through? Or Sure. Yeah. Yeah. Yeah. So if you're only planning on going with tender leave for twelve months, the the main kind of impact would just be the the contributions are gonna decrease for a bit of time, but we still wanna make sure the growth is there. So the contributions that have been going in, the dividends that are being paid out of the investments will still get compounded and put back into the into the investment profile and can still provide decent growth. So, realistically, the impact shouldn't be that great. If you do decide to not go back to work or you have a bit longer than that twelve months, then I probably wanna reevaluate the portfolio a little bit just to make sure that it is working harder. But we'll do that as part of the annual review every year as well anyway. But, yeah, just just dropping work for twelve months, it shouldn't while your contributions will stop for that point in time, it shouldn't have too great an impact. You'll still be receiving the growth in the income. We still want that to work within the portfolio for you as well. Yeah. Oh, good. Are you actively trying for a baby or you're oh, that's exciting. Well, good luck. I hope it all goes well. Let us know how you go. We'll make sure we we do regular reviews with you as well. Did you want me to do a catch up in maybe six months just to kind of look at how things are tracking and see where where changes might be updated in your life? Yep. Fantastic. Beautiful. Well, I'll make a little note there for you. One of my team will give you a call in six months. If you wanna take some time to have a bit of a look through the document, run your eyes over the advantages, disadvantages, and risks, and the alternatives there as well. Feel free to let me know if there are any additional questions. More than happy to go through it or answer anything else that you might have there. We do outline the fee structure on the back end, and there's no implementation fee for this. It's all part of our ongoing services. And with your insurance premiums, we do just have to also let you know we do receive commission from the insurers for writing these policies. So it's not paid by you in any way, shape, or form. It's just provided paid to us by the insurer. We do receive 66% of the first year's premium with two 22% ongoing thereafter. That is what just led us across the board. So it has no impact on our recommendations. It's all just about making sure the advice is in your best interest in working towards your goals and making sure we disclose everything so you can make a an informed decision on how you wanna proceed. Excellent. That is basically everything I needed to go through with you. Is there anything you any other questions that might have popped up or any clarifications that you'd wanted additionally from any of this? No. Absolutely. Yeah. No. So that's why we date the document for today's date because the document is valid for sixty days. So you're welcome to run your eyes over. Take your time. There's no pressure whatsoever. The last thing I want you to do is sign without reading. I do like that you take some time to have a look through the document. Let me know if there's any questions, and, yeah, my team will just be in contact over the next few weeks to see if there's anything you need, any questions that you have. And even when you are comfortable with that, we'll just get you to sign and return it all back for us. If you do find there's any part of the advice you don't wish to proceed with, on the very back page, the authority to proceed, there is actually a line and we have a text box there. So you're welcome to write in there if there's something you do choose not to take on board. Okay? Yeah. Aussie, do you have any plans for the afternoon or just the rest of one? I like that. Enjoy the sunshine while you have it. All good. Well, thank you so much for your time. I really appreciate you taking my call today. I'll let you go to review everything, and let me know if there's anything you need in the meantime. My pleasure. Enjoy your afternoon. Thank you. 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This is Dana from Okie Financial. How are you this afternoon? Very well. Thank you.\n\nI have you booked in just to go through an updated statement of of advice this afternoon. Is now still a good time there for you? Fantastic. Just before we jump into the call there, I do need to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that?\n\nFantastic. And just to do security there with you as well, just because we are discussing your personal information, I just need to confirm your full name, your date of birth, and address I should have on file here for you. Yep. Yep. Lovely.\n\nThank you so much for that. Bethan, do you happen to have access to your emails at the moment? If you don't, that's absolutely fine. You do? Fantastic.\n\nI'm just gonna send through this one to you once it comes through. If you could open up the document there. We're just looking at the statement of advice, which should be the first document in the email there, and I'll take you through these updated recommendations. Okay. Fantastic.\n\nAnd how's your day been so far? Yeah. Good. Busy. But that's okay.\n\nWe like it that way. Is it is it really cold down there at the moment? Oh, yeah. Because that Melbourne weather. Ew.\n\nI'm a bit weak up here in Queensland. We have the Gold Coast winters, and that's not as bad as yours. So oh, that is good. That is so good. Has that email popped through there to you at all?\n\nFantastic. So with this one here on the front, you'll see the Ophi Financial statement of advice, and it has been prepared for yourself as of the June 11. We put today's date, which is the presentation date there for you. So you do have sixty days to review the document to decide whether you wanna take on the recommendations or not. At the very bottom of the document there, it does also have my representative number.\n\nSo I'm licensed through Affic, and my registration number's 1304394. Okay. Fantastic. As you are sort of scrolling through the first few pages there, it does note the scope of the advice. So last time we caught up, you wanted to look at the wanted us to sort of have a look and see if you were on track to meet your goals.\n\nYou were hoping to sort of retire around about age 67 at the time. Do you still think that's sort of the goal age? Or yeah. Yes. That's okay.\n\nAnd you were hoping to, at the time, living on about $1,000 a week per sorry, per week of income in retirement there, that could definitely change. You still got a lot of time between now to then. That's just the goal we're working on for the moment there for you. Okay? With your income protection, you were happy with the licensed EPDs and bonus that you did have, but your income your income protection was a bit underinsured there.\n\nSo you did wanna look at increasing that slightly. So we have received an updated quote there for you and are looking to increase that, and I'll show you the effect. Okay? Areas that we've sketched out for the advice is your life with CBD. We're happy not to to keep those as they were and didn't wanna take any additional recommendations around trauma, so they are spread out of the advice.\n\nAnd you were also saving the purchase a new car. Have you managed to do that yet, or are you still saving? Oh, fantastic. It was a Mitsubishi ASX you were after? Yes.\n\nOh, fantastic. Is it everything you thought it was gonna be? Yes. Fantastic. That is so, so good to see.\n\nTo make this a bit easier on you, I will let you go back and definitely have a review of all the pages and reach you with the advice prior to accepting it. But to make it a bit easier, just so we can go through the recommendations that we've made there for you, if I can get you to scroll down for me, essentially, to page number so sorry. There we go. Page number 19 for me. Perfect.\n\nSo when you came on board originally, you did have a much of a smaller balance there. So we had put you into the hub 24 discover, and then you and you were sent into the iShares SMA to be able to build your balance up. The goal moving forward for that was once your balance hit a certain target or was high enough to be able to move you into a more elaborate product, so a product that had a lot more options of investments that could provide a greater level of return and help to grow your funds even more. That that was essentially what we wanted to try and do. With the iShares product there, we've kinda gone back and had a really good look at how your super has been performing, the additional growth that you've seen.\n\nHasn't been too bad at all. When I have a look at from inception, because you're in your third year now, over the past couple of years since 2024 in February, your portfolio has made a 30.36 return since coming on board. So it has seen some really great additional growth there. What I am recommending in order to make sure that your super continues to work harder for you is to keep you within Hub twenty four because it is a great product. It is a great super fund, and there's no real need to change the the actual super fund at the moment.\n\nBut to move you from the Discover to the Choice product, essentially, Discover only has a couple of different options to invest in. It's meant to be a low cost, simple product that is there to kind of build super up. The Choice product essentially allows us to invest in anywhere up to 1,178 different investment options. That's managed funds, exchange traded funds, and individual companies. So we can, like, build those portfolios that are working harder and trying to get greater potential returns down the track.\n\nSo we've got your balance up to about 60 k now. Now we just wanna keep it working harder and try to get some additional growth. That way, it can compound a bit faster for you and grow towards your goals at the age of 67. Does that make sense? Yeah.\n\nSo with the change, it is very simple. There is no major rollovers or changes to make. This is the form that we get you to sign, and everything changes in the back end. And then once we complete that change of product, we're gonna move your investment. So move you out of the iShares SMA product and into a new diversified portfolio, which if you have a look at the bottom of that table there, the old the older sort of iShares product over the past five years has averaged about 9.61%, which is great, but the newer investment portfolio has had a greater past performance.\n\nSo when we utilize what's been happening in the past five years with this sort of a portfolio, we can see and expect that in the future, we should be able to get greater returns moving forward. And that's what we want. We wanna make sure your returns aren't limited. We wanna keep evolving the the product, keep evolving the investment so that you're always making money and growing your super to the best that possibly can. Okay?\n\nSo with the difference in the fees, because it's really important that we kinda go through that with you, the admin fees there, they do increase a little bit by about a $158, but the newer portfolio is also cheaper. So it saves you about a $106 in investment fees. And moving forward, that compound effect could have a greater effect for you. The ongoing service fee, we do have to turn that on. So I know for the past two years, we haven't charged an ongoing service fee, but we are gonna have to turn that on moving forward because this requires a lot more maintenance.\n\nAnd we wanna keep evolving the advice and working harder towards your goals there. Our ongoing service fee is 1.65% per annum, and it is deducted in smaller monthly increments. So, essentially, our ongoing service fee, it fluctuates with the market. So when the market is doing really well and your performance is much higher, it does mean that our fee does increase there with it as well. However, at times when market sees volatility and downtime, then our fee takes a bit of a dip there with it.\n\nSo as a percentage, they see it fluctuates and goes up and down with the market. Does that make sense? Yeah. Perfect. I just wanted to make sure I'm clarifying and make sure I'm open and honest with you as well because I sort of weighed up all the options.\n\nAnd this the portfolio has done really well, and not having that ongoing service takes the past two years has definitely been a benefit there. But this moving forward will require a little bit more in the way of maintenance and ongoing service and updating the advice. We wanna make sure that, obviously, there is a point where Affley has to turn on. So I just wanted to make sure I'm open and honest with you about that. Okay?\n\nExcellent. If you go just above the two pages, you'll see the investment table. That's on page number eight 17 there for you, and you'll see the difference in the investment. So we'll move you out of the iShares enhanced strategic aggressive portfolio there and move you into what's been noted below here. So once we complete the switch, you'll have some investment in global cybersecurity.\n\nWe'll have the European investment there, which gives you access to other 16 countries within Europe and a global diversified European portfolio. We'll have some investment in Japan. We've also got the Vanguard all world ex US. This is giving you exposure to the entire globe minus The US or the American market, and that's because we have the S and P 500 under here, which is a US exposure giving you access to the top 500 companies on The US market. So we have that in there as well.\n\nYou've also got the beta shares a 200, which is giving you exposure to the top 200 companies on the ASX. They're giving you some Australian exposure and then some global physical gold as well. So this is gold bullion, which is held in a bank vault in London, believe it or not. And global that's essentially tracked the physical gold brass, and that has done phenomenal over the last couple of years. So having some physical gold in your portfolio is really great there as well.\n\nAnd then because you are a growth investor, having some defensive investments like fixed interest and bonds and cash and things like that is important. So the iShares core composite bond is giving you access to a global sorry. Well, it gives you access to global, but it's mostly Australian held treasury and government bonds as well as some corporate bonds there as well. So bonds are low risk. They do tend to get a lower rate of return, but they're good for income producing.\n\nWe wanna generate income from your portfolio as well, which can be re allocated back into this portfolio to help with that compounding effect. Does that make sense? Yeah. Beautiful. So that's essentially what you'll see your portfolio diversified into.\n\nI do go a little bit simpler on that one. If you wanted more information or maybe going even deeper, absolutely, because not everyone's that interested in the investment side of things. So did you have any questions at the moment in relation to any of those? Yeah. Beautiful.\n\nWe'll still keep a bit of cash with Hub twenty four. We do need to keep 1.25% cash in there, so we expect about $753 to be held in cash once the portfolio has been altered. And we do understand there is a CGT effect. So whenever we do make changes to investments or within a portfolio, believe it or not, your Superfund, just like you, does a tax return every year. On that sheet comparison table on page number 19 there, you'll see the difference of $913.\n\nSo, essentially, that's taking into account the CGT effect or the capital gains effect that Hub twenty four will have to take into account when they complete the investment switch. Does that make sense? Yeah. Beautiful. All in all, it's a much more diversified portfolio.\n\nIt's definitely giving you access to greater potential returns there. It is reducing a bit of risk there as well, and also reducing the investment fees, which is, you know, really good. When we kinda project the outcome or the the fee table, the outcome there for your fees, your insurance premiums, your contributions going in, and the past rolling average of the portfolio has been able to reduce over the next five to ten years, so we can sort of see and project that it should put you in a much greater position than where you are currently if you stay in the same portfolio. Does that make sense? Yeah.\n\nDo you have any questions so far at all? No. Excellent. If you scroll down a little bit further to page number 21 there, this is just the assurances. The other kind of one, so you are happy with the life and CBD cover that you held.\n\nEssentially, your life cover has a current sum insured of 661,500 and the same with the TBD cover there. However, you will get underinsured with the income protection side of things. So we are recommending that we just increase your income protection so that you do have that monthly benefit that covers up to 70% of your income if in the event that you're off work due to illness or injury. That essentially means that we just need to increase your income protection, some insured, to $4,510 on a monthly basis. We still keep that waiting period of thirty days, still keep the benefit period of five years, and the insurance premium just goes up.\n\nThe total premium for the year goes up from $14.47 to $15.39 there. So only a small increase to to bring up that income protection monthly benefit there for you. Okay? Easy. I'm having a look at your pre assessment there.\n\nThere was no major changes to reflect, so going through the application should be a very, very simple process for you. Essentially, if you decide to take on those recommendations, how we'll kinda go through the process is we'll start just by altering the hub 24. So we're in the choice product there. We'll complete the investment switch, and then we'll book you in with one of our lovely admin team members who'll go through an increased application for your income protection. That then just goes back to the insurer.\n\nThey'll do a quick underwriting assessment and then come back and offer the cover, and that'll all kinda go through fairly quickly there for you. You know? We did a bit of a pre assessment late late last year with you, and there's really nothing there that flags that would require any loadings or exclusions to be added to the policy unless there's any been any major changes in your health in the last few months there. But it sounds like you're nice and healthy and look after yourself really well, so I don't foresee any major issues. Yeah.\n\nAll good. Throughout that document there, we do outline the advantages, the disadvantages, the risks involved, any alternatives that I've researched and considered there for you as well. And on page number 22, we do also have a little table that shows you the difference in the projection table above, but also a consideration. If you had no insurances paid out of your super, over the next five to ten years, you could end up with a much greater level of a super so your super could grow even more. It's just sort of showing you that there is an impact on your retirement outcome when you do have insurances paid out of super, but that's kind of a funny one because we all wanna have a little bit of cover to look after and protect us in the event that something happens, and paying it out of that super is, you know, the best way to hold the cover.\n\nThat way, we're not paying those premiums every year out of our back pocket. But it's about making sure that we review those insurances every year to make sure as, you know, essentially, as you get older, those insurance premiums are gonna get more and more expensive. So being able to review those every year just means that we can keep the insurances in line with your goals and your needs, but also trying to make sure they don't eat away all of your super at the same time. Yeah. All good.\n\nDo you have any questions or anything you kinda wanted me to go through? Or Sure. Yeah. Yeah. Yeah.\n\nSo if you're only planning on going with tender leave for twelve months, the the main kind of impact would just be the the contributions are gonna decrease for a bit of time, but we still wanna make sure the growth is there. So the contributions that have been going in, the dividends that are being paid out of the investments will still get compounded and put back into the into the investment profile and can still provide decent growth. So, realistically, the impact shouldn't be that great. If you do decide to not go back to work or you have a bit longer than that twelve months, then I probably wanna reevaluate the portfolio a little bit just to make sure that it is working harder. But we'll do that as part of the annual review every year as well anyway.\n\nBut, yeah, just just dropping work for twelve months, it shouldn't while your contributions will stop for that point in time, it shouldn't have too great an impact. You'll still be receiving the growth in the income. We still want that to work within the portfolio for you as well. Yeah. Oh, good.\n\nAre you actively trying for a baby or you're oh, that's exciting. Well, good luck. I hope it all goes well. Let us know how you go. We'll make sure we we do regular reviews with you as well.\n\nDid you want me to do a catch up in maybe six months just to kind of look at how things are tracking and see where where changes might be updated in your life? Yep. Fantastic. Beautiful. Well, I'll make a little note there for you.\n\nOne of my team will give you a call in six months. If you wanna take some time to have a bit of a look through the document, run your eyes over the advantages, disadvantages, and risks, and the alternatives there as well. Feel free to let me know if there are any additional questions. More than happy to go through it or answer anything else that you might have there. We do outline the fee structure on the back end, and there's no implementation fee for this.\n\nIt's all part of our ongoing services. And with your insurance premiums, we do just have to also let you know we do receive commission from the insurers for writing these policies. So it's not paid by you in any way, shape, or form. It's just provided paid to us by the insurer. We do receive 66% of the first year's premium with two 22% ongoing thereafter.\n\nThat is what just led us across the board. So it has no impact on our recommendations. It's all just about making sure the advice is in your best interest in working towards your goals and making sure we disclose everything so you can make a an informed decision on how you wanna proceed. Excellent. That is basically everything I needed to go through with you.\n\nIs there anything you any other questions that might have popped up or any clarifications that you'd wanted additionally from any of this? No. Absolutely. Yeah. No.\n\nSo that's why we date the document for today's date because the document is valid for sixty days. So you're welcome to run your eyes over. Take your time. There's no pressure whatsoever. The last thing I want you to do is sign without reading.\n\nI do like that you take some time to have a look through the document. Let me know if there's any questions, and, yeah, my team will just be in contact over the next few weeks to see if there's anything you need, any questions that you have. And even when you are comfortable with that, we'll just get you to sign and return it all back for us. If you do find there's any part of the advice you don't wish to proceed with, on the very back page, the authority to proceed, there is actually a line and we have a text box there. So you're welcome to write in there if there's something you do choose not to take on board.\n\nOkay? Yeah. Aussie, do you have any plans for the afternoon or just the rest of one? I like that. Enjoy the sunshine while you have it.\n\nAll good. Well, thank you so much for your time. I really appreciate you taking my call today. I'll let you go to review everything, and let me know if there's anything you need in the meantime. My pleasure.\n\nEnjoy your afternoon. Thank you. See you later.","paragraphs":[{"sentences":[{"text":"Hi.","start":1.92,"end":2.24,"sentiment":"neutral","sentiment_score":0.09659536182880402},{"text":"This is Dana from Okie Financial.","start":2.24,"end":3.86,"sentiment":"neutral","sentiment_score":0.14487454170982042},{"text":"How are you this afternoon?","start":4.0,"end":5.22,"sentiment":"neutral","sentiment_score":0.21474842429161073},{"text":"Very well.","start":7.2,"end":7.8399997,"sentiment":"positive","sentiment_score":0.49659477174282074},{"text":"Thank you.","start":7.8399997,"end":8.4,"sentiment":"positive","sentiment_score":0.5924363136291504}],"sentiment":"neutral","sentiment_score":0.26360293151810765,"num_words":16,"start":1.92,"end":8.4},{"sentences":[{"text":"I have you booked in just to go through an updated statement of of advice this afternoon.","start":8.4,"end":13.12,"sentiment":"neutral","sentiment_score":0.2865039513391607},{"text":"Is now still a good time there for you?","start":13.12,"end":15.219999,"sentiment":"neutral","sentiment_score":0.2551584111319648},{"text":"Fantastic.","start":17.074999,"end":17.574999,"sentiment":"positive","sentiment_score":0.6441205739974976},{"text":"Just before we jump into the call there, I do need to let you know we do record our calls for quality and training purposes.","start":18.355,"end":23.074999,"sentiment":"neutral","sentiment_score":0.18843988806009293},{"text":"Are you happy for us to proceed with that?","start":23.074999,"end":25.175,"sentiment":"neutral","sentiment_score":0.2246385564406713}],"sentiment":"neutral","sentiment_score":0.2384238960068734,"num_words":61,"start":8.4,"end":25.175},{"sentences":[{"text":"Fantastic.","start":26.515,"end":27.015,"sentiment":"positive","sentiment_score":0.3867487907409668},{"text":"And just to do security there with you as well, just because we are discussing your personal information, I just need to confirm your full name, your date of birth, and address I should have on file here for you.","start":27.074999,"end":35.48,"sentiment":"neutral","sentiment_score":0.1514836171641946},{"text":"Yep.","start":37.54,"end":38.04,"sentiment":"neutral","sentiment_score":0.03598557040095329},{"text":"Yep.","start":40.58,"end":41.08,"sentiment":"neutral","sentiment_score":0.048118706792593},{"text":"Lovely.","start":46.085,"end":46.565,"sentiment":"positive","sentiment_score":0.3626872599124909}],"sentiment":"neutral","sentiment_score":0.15665647760033607,"num_words":44,"start":26.515,"end":46.565},{"sentences":[{"text":"Thank you so much for that.","start":46.565,"end":48.184998,"sentiment":"positive","sentiment_score":0.4649686465660731},{"text":"Bethan, do you happen to have access to your emails at the moment?","start":48.324997,"end":51.445,"sentiment":"neutral","sentiment_score":0.09513745571558292},{"text":"If you don't, that's absolutely fine.","start":51.445,"end":53.385,"sentiment":"neutral","sentiment_score":0.01926302242403229},{"text":"You do?","start":55.125,"end":55.765,"sentiment":"neutral","sentiment_score":0.0362451346591115},{"text":"Fantastic.","start":55.765,"end":56.265,"sentiment":"neutral","sentiment_score":0.3223065733909607}],"sentiment":"neutral","sentiment_score":0.16203477789115692,"num_words":28,"start":46.565,"end":56.265},{"sentences":[{"text":"I'm just gonna send through this one to you once it comes through.","start":56.484997,"end":59.81,"sentiment":"neutral","sentiment_score":0.18309596066291517},{"text":"If you could open up the document there.","start":59.81,"end":61.25,"sentiment":"neutral","sentiment_score":0.09726065210998058},{"text":"We're just looking at the statement of advice, which should be the first document in the email there, and I'll take you through these updated recommendations.","start":61.25,"end":67.91,"sentiment":"neutral","sentiment_score":0.15090790677529115},{"text":"Okay.","start":68.69,"end":69.19,"sentiment":"neutral","sentiment_score":0.17216430604457855},{"text":"Fantastic.","start":70.69,"end":71.19,"sentiment":"neutral","sentiment_score":0.2926882207393646}],"sentiment":"neutral","sentiment_score":0.15401613894773988,"num_words":49,"start":56.484997,"end":71.19},{"sentences":[{"text":"And how's your day been so far?","start":71.41,"end":73.11,"sentiment":"neutral","sentiment_score":0.17515182069369725},{"text":"Yeah.","start":75.935,"end":76.255,"sentiment":"neutral","sentiment_score":0.09856631606817244},{"text":"Good.","start":76.255,"end":76.575,"sentiment":"neutral","sentiment_score":0.1618795096874237},{"text":"Busy.","start":76.575,"end":76.975,"sentiment":"neutral","sentiment_score":0.12678822875022888},{"text":"But that's okay.","start":76.975,"end":77.695,"sentiment":"neutral","sentiment_score":0.11069182554880778}],"sentiment":"neutral","sentiment_score":0.14964402123139456,"num_words":13,"start":71.41,"end":77.695},{"sentences":[{"text":"We like it that way.","start":77.695,"end":78.915,"sentiment":"neutral","sentiment_score":0.26456859409809114},{"text":"Is it is it really cold down there at the moment?","start":80.575,"end":84.435,"sentiment":"neutral","sentiment_score":-0.08181996643543243},{"text":"Oh, yeah.","start":86.575,"end":87.055,"sentiment":"neutral","sentiment_score":-0.01802447997033596},{"text":"Because that Melbourne weather.","start":87.055,"end":88.335,"sentiment":"neutral","sentiment_score":-0.01870534010231495},{"text":"Ew.","start":88.335,"end":88.835,"sentiment":"neutral","sentiment_score":-0.013551085256040096}],"sentiment":"neutral","sentiment_score":0.01297399713455335,"num_words":23,"start":77.695,"end":88.835},{"sentences":[{"text":"I'm a bit weak up here in Queensland.","start":90.61,"end":92.21,"sentiment":"neutral","sentiment_score":-0.09317116532474756},{"text":"We have the Gold Coast winters, and that's not as bad as yours.","start":92.21,"end":95.25,"sentiment":"neutral","sentiment_score":-0.03187317505049018},{"text":"So oh, that is good.","start":95.25,"end":100.369995,"sentiment":"neutral","sentiment_score":0.26357806771993636},{"text":"That is so good.","start":100.369995,"end":101.59,"sentiment":"positive","sentiment_score":0.4695092737674713},{"text":"Has that email popped through there to you at all?","start":102.45,"end":105.03,"sentiment":"neutral","sentiment_score":0.024239617213606835}],"sentiment":"neutral","sentiment_score":0.05696507518878206,"num_words":40,"start":90.61,"end":105.03},{"sentences":[{"text":"Fantastic.","start":107.315,"end":107.815,"sentiment":"positive","sentiment_score":0.7221421003341675},{"text":"So with this one here on the front, you'll see the Ophi Financial statement of advice, and it has been prepared for yourself as of the June 11.","start":108.435005,"end":115.715004,"sentiment":"neutral","sentiment_score":0.3146448103444917},{"text":"We put today's date, which is the presentation date there for you.","start":115.715004,"end":118.995,"sentiment":"neutral","sentiment_score":0.17699620127677917},{"text":"So you do have sixty days to review the document to decide whether you wanna take on the recommendations or not.","start":118.995,"end":124.670006,"sentiment":"neutral","sentiment_score":0.13063833011048182},{"text":"At the very bottom of the document there, it does also have my representative number.","start":125.29,"end":129.21,"sentiment":"neutral","sentiment_score":0.08350315516193708}],"sentiment":"neutral","sentiment_score":0.20327407097468128,"num_words":77,"start":107.315,"end":129.21},{"sentences":[{"text":"So I'm licensed through Affic, and my registration number's 1304394.","start":129.21,"end":134.25,"sentiment":"neutral","sentiment_score":0.06931132785975933},{"text":"Okay.","start":134.25,"end":134.75,"sentiment":"neutral","sentiment_score":0.09529463201761246},{"text":"Fantastic.","start":135.975,"end":136.475,"sentiment":"positive","sentiment_score":0.6149375438690186},{"text":"As you are sort of scrolling through the first few pages there, it does note the scope of the advice.","start":137.575,"end":142.135,"sentiment":"neutral","sentiment_score":0.2282925009727478},{"text":"So last time we caught up, you wanted to look at the wanted us to sort of have a look and see if you were on track to meet your goals.","start":142.135,"end":147.895,"sentiment":"neutral","sentiment_score":0.11838637941306637}],"sentiment":"neutral","sentiment_score":0.15300274977371806,"num_words":63,"start":129.21,"end":147.895},{"sentences":[{"text":"You were hoping to sort of retire around about age 67 at the time.","start":147.895,"end":151.5,"sentiment":"neutral","sentiment_score":0.022545522078871727},{"text":"Do you still think that's sort of the goal age?","start":151.5,"end":153.82,"sentiment":"neutral","sentiment_score":-0.006165458145551384},{"text":"Or yeah.","start":153.82,"end":155.84001,"sentiment":"neutral","sentiment_score":0.03249252215027809},{"text":"Yes.","start":155.90001,"end":156.22,"sentiment":"neutral","sentiment_score":0.09210870414972304},{"text":"That's okay.","start":156.22,"end":157.04001,"sentiment":"neutral","sentiment_score":0.16011583805084229}],"sentiment":"neutral","sentiment_score":0.025217522489677728,"num_words":29,"start":147.895,"end":157.04001},{"sentences":[{"text":"And you were hoping to, at the time, living on about $1,000 a week per sorry, per week of income in retirement there, that could definitely change.","start":157.82,"end":165.565,"sentiment":"neutral","sentiment_score":0.03626318869215471},{"text":"You still got a lot of time between now to then.","start":165.565,"end":167.825,"sentiment":"neutral","sentiment_score":-0.027570348063653164},{"text":"That's just the goal we're working on for the moment there for you.","start":168.045,"end":171.16501,"sentiment":"neutral","sentiment_score":0.017517735393574603},{"text":"Okay?","start":171.16501,"end":171.66501,"sentiment":"neutral","sentiment_score":0.02511526644229889},{"text":"With your income protection, you were happy with the licensed EPDs and bonus that you did have, but your income your income protection was a bit underinsured there.","start":173.16501,"end":181.12001,"sentiment":"neutral","sentiment_score":0.02789375664932387}],"sentiment":"neutral","sentiment_score":0.021371290984097867,"num_words":80,"start":157.82,"end":181.12001},{"sentences":[{"text":"So you did wanna look at increasing that slightly.","start":181.12001,"end":183.28,"sentiment":"neutral","sentiment_score":0.0020665646427207524},{"text":"So we have received an updated quote there for you and are looking to increase that, and I'll show you the effect.","start":183.28,"end":188.96,"sentiment":"neutral","sentiment_score":0.18726857209747488},{"text":"Okay?","start":188.96,"end":189.46,"sentiment":"neutral","sentiment_score":0.05702294409275055},{"text":"Areas that we've sketched out for the advice is your life with CBD.","start":191.355,"end":195.695,"sentiment":"neutral","sentiment_score":0.09871855779336049},{"text":"We're happy not to to keep those as they were and didn't wanna take any additional recommendations around trauma, so they are spread out of the advice.","start":195.915,"end":203.295,"sentiment":"neutral","sentiment_score":0.16459407284855843}],"sentiment":"neutral","sentiment_score":0.13781821986453402,"num_words":72,"start":181.12001,"end":203.295},{"sentences":[{"text":"And you were also saving the purchase a new car.","start":203.94,"end":206.34001,"sentiment":"neutral","sentiment_score":0.19602822214365007},{"text":"Have you managed to do that yet, or are you still saving?","start":206.34001,"end":208.76001,"sentiment":"neutral","sentiment_score":0.08712174153576295},{"text":"Oh, fantastic.","start":211.86,"end":212.92001,"sentiment":"positive","sentiment_score":0.661094456911087},{"text":"It was a Mitsubishi ASX you were after?","start":213.22,"end":215.64,"sentiment":"neutral","sentiment_score":0.23050218261778355},{"text":"Yes.","start":217.27501,"end":217.77501,"sentiment":"neutral","sentiment_score":0.08592081069946289}],"sentiment":"neutral","sentiment_score":0.1896324334948352,"num_words":33,"start":203.94,"end":217.77501},{"sentences":[{"text":"Oh, fantastic.","start":218.63501,"end":219.695,"sentiment":"positive","sentiment_score":0.5362093448638916},{"text":"Is it everything you thought it was gonna be?","start":219.91501,"end":222.015,"sentiment":"neutral","sentiment_score":0.3294610298342175},{"text":"Yes.","start":223.515,"end":224.015,"sentiment":"positive","sentiment_score":0.41860365867614746},{"text":"Fantastic.","start":225.99501,"end":226.49501,"sentiment":"positive","sentiment_score":0.771088719367981},{"text":"That is so, so good to see.","start":226.715,"end":228.655,"sentiment":"positive","sentiment_score":0.7548409530094692}],"sentiment":"positive","sentiment_score":0.5255573503673077,"num_words":20,"start":218.63501,"end":228.655},{"sentences":[{"text":"To make this a bit easier on you, I will let you go back and definitely have a review of all the pages and reach you with the advice prior to accepting it.","start":229.115,"end":236.29,"sentiment":"neutral","sentiment_score":0.2608053783575694},{"text":"But to make it a bit easier, just so we can go through the recommendations that we've made there for you, if I can get you to scroll down for me, essentially, to page number so sorry.","start":236.43,"end":246.61,"sentiment":"neutral","sentiment_score":0.16497508854278037},{"text":"There we go.","start":248.395,"end":248.955,"sentiment":"neutral","sentiment_score":0.012822842225432396},{"text":"Page number 19 for me.","start":248.955,"end":250.735,"sentiment":"neutral","sentiment_score":0.022655425406992436},{"text":"Perfect.","start":256.875,"end":257.375,"sentiment":"positive","sentiment_score":0.4090873301029206}],"sentiment":"neutral","sentiment_score":0.19330998412274483,"num_words":79,"start":229.115,"end":257.375},{"sentences":[{"text":"So when you came on board originally, you did have a much of a smaller balance there.","start":257.915,"end":262.37997,"sentiment":"neutral","sentiment_score":0.09903200408991646},{"text":"So we had put you into the hub 24 discover, and then you and you were sent into the iShares SMA to be able to build your balance up.","start":262.52,"end":270.28,"sentiment":"neutral","sentiment_score":0.17043953979837484},{"text":"The goal moving forward for that was once your balance hit a certain target or was high enough to be able to move you into a more elaborate product, so a product that had a lot more options of investments that could provide a greater level of return and help to grow your funds even more.","start":270.28,"end":285.095,"sentiment":"neutral","sentiment_score":0.3310446704604796},{"text":"That that was essentially what we wanted to try and do.","start":285.095,"end":287.595,"sentiment":"neutral","sentiment_score":0.245181758295406},{"text":"With the iShares product there, we've kinda gone back and had a really good look at how your super has been performing, the additional growth that you've seen.","start":287.895,"end":294.90997,"sentiment":"positive","sentiment_score":0.36281182510512217}],"sentiment":"neutral","sentiment_score":0.26964909726000846,"num_words":141,"start":257.915,"end":294.90997},{"sentences":[{"text":"Hasn't been too bad at all.","start":294.97,"end":296.33,"sentiment":"neutral","sentiment_score":0.2422132467230161},{"text":"When I have a look at from inception, because you're in your third year now, over the past couple of years since 2024 in February, your portfolio has made a 30.36 return since coming on board.","start":296.33,"end":308.295,"sentiment":"neutral","sentiment_score":0.2793671449439393},{"text":"So it has seen some really great additional growth there.","start":308.295,"end":311.595,"sentiment":"positive","sentiment_score":0.5851175606250762},{"text":"What I am recommending in order to make sure that your super continues to work harder for you is to keep you within Hub twenty four because it is a great product.","start":312.215,"end":320.49,"sentiment":"positive","sentiment_score":0.434256122156512},{"text":"It is a great super fund, and there's no real need to change the the actual super fund at the moment.","start":320.49,"end":325.47,"sentiment":"positive","sentiment_score":0.43518430313893725}],"sentiment":"positive","sentiment_score":0.3847308436142547,"num_words":105,"start":294.97,"end":325.47},{"sentences":[{"text":"But to move you from the Discover to the Choice product, essentially, Discover only has a couple of different options to invest in.","start":326.00998,"end":332.695,"sentiment":"neutral","sentiment_score":0.1424891731661299},{"text":"It's meant to be a low cost, simple product that is there to kind of build super up.","start":332.695,"end":337.195,"sentiment":"positive","sentiment_score":0.3670219878355662},{"text":"The Choice product essentially allows us to invest in anywhere up to 1,178 different investment options.","start":337.335,"end":343.915,"sentiment":"neutral","sentiment_score":0.23088054871186614},{"text":"That's managed funds, exchange traded funds, and individual companies.","start":344.14,"end":347.42,"sentiment":"neutral","sentiment_score":0.2043742471271091},{"text":"So we can, like, build those portfolios that are working harder and trying to get greater potential returns down the track.","start":347.42,"end":353.82,"sentiment":"positive","sentiment_score":0.36439087419282823}],"sentiment":"neutral","sentiment_score":0.26516450718901624,"num_words":87,"start":326.00998,"end":353.82},{"sentences":[{"text":"So we've got your balance up to about 60 k now.","start":353.82,"end":356.505,"sentiment":"positive","sentiment_score":0.39115809852426703},{"text":"Now we just wanna keep it working harder and try to get some additional growth.","start":356.585,"end":360.285,"sentiment":"positive","sentiment_score":0.36903365651766457},{"text":"That way, it can compound a bit faster for you and grow towards your goals at the age of 67.","start":360.505,"end":365.70502,"sentiment":"positive","sentiment_score":0.5073375016450882},{"text":"Does that make sense?","start":365.70502,"end":366.685,"sentiment":"neutral","sentiment_score":0.18747571855783463},{"text":"Yeah.","start":368.505,"end":369.005,"sentiment":"neutral","sentiment_score":0.2506839632987976}],"sentiment":"positive","sentiment_score":0.41148197650909424,"num_words":51,"start":353.82,"end":369.005},{"sentences":[{"text":"So with the change, it is very simple.","start":369.37997,"end":371.46,"sentiment":"neutral","sentiment_score":0.32534167543053627},{"text":"There is no major rollovers or changes to make.","start":371.46,"end":373.94,"sentiment":"neutral","sentiment_score":0.13560813085900414},{"text":"This is the form that we get you to sign, and everything changes in the back end.","start":373.94,"end":377.96,"sentiment":"neutral","sentiment_score":0.15645922632778392},{"text":"And then once we complete that change of product, we're gonna move your investment.","start":378.18,"end":381.78,"sentiment":"neutral","sentiment_score":0.11217383135642324},{"text":"So move you out of the iShares SMA product and into a new diversified portfolio, which if you have a look at the bottom of that table there, the old the older sort of iShares product over the past five years has averaged about 9.61%, which is great, but the newer investment portfolio has had a greater past performance.","start":381.78,"end":400.97,"sentiment":"neutral","sentiment_score":0.11131079021399304}],"sentiment":"neutral","sentiment_score":0.13664283822769316,"num_words":107,"start":369.37997,"end":400.97},{"sentences":[{"text":"So when we utilize what's been happening in the past five years with this sort of a portfolio, we can see and expect that in the future, we should be able to get greater returns moving forward.","start":401.43,"end":411.155,"sentiment":"positive","sentiment_score":0.34394908958190196},{"text":"And that's what we want.","start":411.155,"end":411.875,"sentiment":"positive","sentiment_score":0.3397138774394989},{"text":"We wanna make sure your returns aren't limited.","start":411.875,"end":413.95502,"sentiment":"positive","sentiment_score":0.39826732873916626},{"text":"We wanna keep evolving the the product, keep evolving the investment so that you're always making money and growing your super to the best that possibly can.","start":413.95502,"end":422.77502,"sentiment":"positive","sentiment_score":0.5472146515493039},{"text":"Okay?","start":422.83502,"end":423.33502,"sentiment":"neutral","sentiment_score":0.035080380737781525}],"sentiment":"positive","sentiment_score":0.41565000390013057,"num_words":78,"start":401.43,"end":423.33502},{"sentences":[{"text":"So with the difference in the fees, because it's really important that we kinda go through that with you, the admin fees there, they do increase a little bit by about a $158, but the newer portfolio is also cheaper.","start":425.19,"end":435.99,"sentiment":"neutral","sentiment_score":0.12363403174094856},{"text":"So it saves you about a $106 in investment fees.","start":435.99,"end":439.21,"sentiment":"neutral","sentiment_score":0.29307781457901},{"text":"And moving forward, that compound effect could have a greater effect for you.","start":439.35498,"end":443.29498,"sentiment":"positive","sentiment_score":0.43402772454115063},{"text":"The ongoing service fee, we do have to turn that on.","start":443.915,"end":446.63498,"sentiment":"neutral","sentiment_score":0.018252995627170258},{"text":"So I know for the past two years, we haven't charged an ongoing service fee, but we are gonna have to turn that on moving forward because this requires a lot more maintenance.","start":446.63498,"end":455.055,"sentiment":"neutral","sentiment_score":0.0025985680068984175}],"sentiment":"neutral","sentiment_score":0.12901902365036935,"num_words":107,"start":425.19,"end":455.055},{"sentences":[{"text":"And we wanna keep evolving the advice and working harder towards your goals there.","start":455.7,"end":459.88,"sentiment":"neutral","sentiment_score":0.10855773623500552},{"text":"Our ongoing service fee is 1.65% per annum, and it is deducted in smaller monthly increments.","start":460.58,"end":467.08,"sentiment":"neutral","sentiment_score":0.034145643818192184},{"text":"So, essentially, our ongoing service fee, it fluctuates with the market.","start":467.885,"end":471.96503,"sentiment":"neutral","sentiment_score":0.01609714278443293},{"text":"So when the market is doing really well and your performance is much higher, it does mean that our fee does increase there with it as well.","start":471.96503,"end":478.46503,"sentiment":"neutral","sentiment_score":0.0653505808915253},{"text":"However, at times when market sees volatility and downtime, then our fee takes a bit of a dip there with it.","start":478.605,"end":484.78998,"sentiment":"neutral","sentiment_score":-0.07469526891197477}],"sentiment":"neutral","sentiment_score":0.027405305796962105,"num_words":89,"start":455.7,"end":484.78998},{"sentences":[{"text":"So as a percentage, they see it fluctuates and goes up and down with the market.","start":484.78998,"end":488.47,"sentiment":"neutral","sentiment_score":-0.0325301744742319},{"text":"Does that make sense?","start":488.47,"end":489.53,"sentiment":"neutral","sentiment_score":0.0003391876816749573},{"text":"Yeah.","start":491.03,"end":491.50998,"sentiment":"neutral","sentiment_score":0.18399572372436523},{"text":"Perfect.","start":491.50998,"end":491.99,"sentiment":"positive","sentiment_score":0.3892718553543091},{"text":"I just wanted to make sure I'm clarifying and make sure I'm open and honest with you as well because I sort of weighed up all the 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that.","start":516.61,"end":519.41003,"sentiment":"neutral","sentiment_score":0.09559911241134007},{"text":"Okay?","start":519.41003,"end":519.91003,"sentiment":"neutral","sentiment_score":0.07238006591796875}],"sentiment":"neutral","sentiment_score":0.12807242610032046,"num_words":79,"start":499.175,"end":519.91003},{"sentences":[{"text":"Excellent.","start":521.09,"end":521.59,"sentiment":"positive","sentiment_score":0.5342196226119995},{"text":"If you go just above the two pages, you'll see the investment table.","start":523.01,"end":528.035,"sentiment":"neutral","sentiment_score":0.14236511490665948},{"text":"That's on page number eight 17 there for you, and you'll see the difference in the investment.","start":528.415,"end":533.71497,"sentiment":"neutral","sentiment_score":0.053031727342921144},{"text":"So we'll move you out of the iShares enhanced strategic aggressive portfolio there and move you into what's been noted below here.","start":533.935,"end":541.11,"sentiment":"neutral","sentiment_score":0.10139948265119032},{"text":"So once we complete the switch, you'll have some investment in global cybersecurity.","start":541.11,"end":545.44995,"sentiment":"neutral","sentiment_score":0.1177591452231774}],"sentiment":"neutral","sentiment_score":0.10679034829478372,"num_words":66,"start":521.09,"end":545.44995},{"sentences":[{"text":"We'll have the European investment there, which gives you access to other 16 countries within Europe and a global diversified European portfolio.","start":546.23,"end":555.125,"sentiment":"neutral","sentiment_score":0.12897134538401256},{"text":"We'll have some investment in Japan.","start":555.745,"end":557.445,"sentiment":"neutral","sentiment_score":0.07435234822332859},{"text":"We've also got the Vanguard all world ex US.","start":557.665,"end":560.70496,"sentiment":"neutral","sentiment_score":0.0810358685751756},{"text":"This is giving you exposure to the entire globe minus The US or the American market, and that's because we have the S and P 500 under here, which is a US exposure giving you access to the top 500 companies on The US market.","start":560.70496,"end":576.63,"sentiment":"neutral","sentiment_score":0.07447711721890503},{"text":"So we have that in there as well.","start":576.63,"end":578.39,"sentiment":"neutral","sentiment_score":0.09088192135095596}],"sentiment":"neutral","sentiment_score":0.08990369056248003,"num_words":90,"start":546.23,"end":578.39},{"sentences":[{"text":"You've also got the beta shares a 200, which is giving you exposure to the top 200 companies on the ASX.","start":578.39,"end":584.355,"sentiment":"neutral","sentiment_score":0.10353411876019977},{"text":"They're giving you some Australian exposure and then some global physical gold as well.","start":584.415,"end":589.455,"sentiment":"neutral","sentiment_score":0.09529627699937139},{"text":"So this is gold bullion, which is held in a bank vault in London, believe it or not.","start":589.455,"end":595.95,"sentiment":"neutral","sentiment_score":0.12316975411441591},{"text":"And global that's essentially tracked the physical gold brass, and that has done phenomenal over the last couple of years.","start":596.35004,"end":601.95,"sentiment":"neutral","sentiment_score":0.3177249409258366},{"text":"So having some physical gold in your portfolio is really great there as well.","start":601.95,"end":605.73004,"sentiment":"positive","sentiment_score":0.4473861541066851}],"sentiment":"neutral","sentiment_score":0.210842815195692,"num_words":87,"start":578.39,"end":605.73004},{"sentences":[{"text":"And then because you are a growth investor, having some defensive investments like fixed interest and bonds and cash and things like that is important.","start":606.11,"end":613.96497,"sentiment":"neutral","sentiment_score":0.1568518441915512},{"text":"So the iShares core composite bond is giving you access to a global sorry.","start":613.96497,"end":618.765,"sentiment":"neutral","sentiment_score":0.16519623888390406},{"text":"Well, it gives you access to global, but it's mostly Australian held treasury and government bonds as well as some corporate bonds there as well.","start":618.765,"end":626.89,"sentiment":"neutral","sentiment_score":0.13433522015810012},{"text":"So bonds are low risk.","start":626.89,"end":628.33,"sentiment":"neutral","sentiment_score":0.1866457164287567},{"text":"They do tend to get a lower rate of return, but they're good for income producing.","start":628.33,"end":632.19,"sentiment":"neutral","sentiment_score":0.31965620536357164}],"sentiment":"neutral","sentiment_score":0.18400178613031612,"num_words":85,"start":606.11,"end":632.19},{"sentences":[{"text":"We wanna generate income from your portfolio as well, which can be re allocated back into this portfolio to help with that compounding effect.","start":632.25,"end":640.135,"sentiment":"neutral","sentiment_score":0.33271871010462445},{"text":"Does that make sense?","start":640.135,"end":641.195,"sentiment":"neutral","sentiment_score":0.1488080434501171},{"text":"Yeah.","start":642.935,"end":643.335,"sentiment":"positive","sentiment_score":0.43938180804252625},{"text":"Beautiful.","start":643.335,"end":643.835,"sentiment":"positive","sentiment_score":0.637091338634491},{"text":"So that's essentially what you'll see your portfolio diversified into.","start":644.055,"end":647.755,"sentiment":"neutral","sentiment_score":0.2855167105793953}],"sentiment":"neutral","sentiment_score":0.3128030367195606,"num_words":40,"start":632.25,"end":647.755},{"sentences":[{"text":"I do go a little bit simpler on that one.","start":648.135,"end":650.3,"sentiment":"neutral","sentiment_score":0.1735334001481533},{"text":"If you wanted more information or maybe going even deeper, absolutely, because not everyone's that interested in the investment side of things.","start":650.3,"end":657.82,"sentiment":"neutral","sentiment_score":0.030011840164661407},{"text":"So did you have any questions at the moment in relation to any of those?","start":657.82,"end":662.16003,"sentiment":"neutral","sentiment_score":0.01638043454537789},{"text":"Yeah.","start":664.445,"end":664.84503,"sentiment":"positive","sentiment_score":0.34045326709747314},{"text":"Beautiful.","start":664.84503,"end":665.34503,"sentiment":"positive","sentiment_score":0.5856176614761353}],"sentiment":"neutral","sentiment_score":0.07280350881343593,"num_words":49,"start":648.135,"end":665.34503},{"sentences":[{"text":"We'll still keep a bit of cash with Hub twenty four.","start":666.04504,"end":668.28503,"sentiment":"neutral","sentiment_score":0.2613432610576803},{"text":"We do need to keep 1.25% cash in there, so we expect about $753 to be held in cash once the portfolio has been altered.","start":668.28503,"end":676.385,"sentiment":"neutral","sentiment_score":0.15898196786642074},{"text":"And we do understand there is a CGT effect.","start":677.15,"end":679.63,"sentiment":"neutral","sentiment_score":0.04692243846754233},{"text":"So whenever we do make changes to investments or within a portfolio, believe it or not, your Superfund, just like you, does a tax return every year.","start":679.63,"end":687.41003,"sentiment":"neutral","sentiment_score":0.0638681012723181},{"text":"On that sheet comparison table on page number 19 there, you'll see the difference of $913.","start":687.87006,"end":694.635,"sentiment":"neutral","sentiment_score":0.06081028957851231}],"sentiment":"neutral","sentiment_score":0.11328443616035987,"num_words":88,"start":666.04504,"end":694.635},{"sentences":[{"text":"So, essentially, that's taking into account the CGT effect or the capital gains effect that Hub twenty four will have to take into account when they complete the investment switch.","start":694.935,"end":704.695,"sentiment":"neutral","sentiment_score":0.07780085715154807},{"text":"Does that make sense?","start":704.695,"end":705.835,"sentiment":"neutral","sentiment_score":0.06283934880048037},{"text":"Yeah.","start":707.22003,"end":707.54004,"sentiment":"neutral","sentiment_score":0.27499163150787354},{"text":"Beautiful.","start":707.54004,"end":708.04004,"sentiment":"positive","sentiment_score":0.5845218896865845},{"text":"All in all, it's a much more diversified portfolio.","start":708.9,"end":711.48,"sentiment":"positive","sentiment_score":0.5747007727622986}],"sentiment":"neutral","sentiment_score":0.19149341301785575,"num_words":45,"start":694.935,"end":711.48},{"sentences":[{"text":"It's definitely giving you access to greater potential returns there.","start":711.62,"end":715.56,"sentiment":"positive","sentiment_score":0.6812461614608765},{"text":"It is reducing a bit of risk there as well, and also reducing the investment fees, which is, you know, really good.","start":715.7,"end":721.68506,"sentiment":"positive","sentiment_score":0.5962144813754342},{"text":"When we kinda project the outcome or the the fee table, the outcome there for your fees, your insurance premiums, your contributions going in, and the past rolling average of the portfolio has been able to reduce over the next five to ten years, so we can sort of see and project that it should put you in a much greater position than where you are currently if you stay in the same portfolio.","start":721.68506,"end":743.20996,"sentiment":"neutral","sentiment_score":0.2825946500776587},{"text":"Does that make sense?","start":743.67,"end":744.73,"sentiment":"neutral","sentiment_score":0.1138228140771389},{"text":"Yeah.","start":745.91,"end":746.38995,"sentiment":"neutral","sentiment_score":0.05046506226062775}],"sentiment":"positive","sentiment_score":0.3724949606232815,"num_words":111,"start":711.62,"end":746.38995},{"sentences":[{"text":"Do you have any questions so far at all?","start":746.38995,"end":748.97,"sentiment":"neutral","sentiment_score":0.028812430799007416},{"text":"No.","start":753.355,"end":753.435,"sentiment":"neutral","sentiment_score":0.08349321782588959},{"text":"Excellent.","start":753.435,"end":753.935,"sentiment":"neutral","sentiment_score":0.28032201528549194},{"text":"If you scroll down a little bit further to page number 21 there, this is just the assurances.","start":754.875,"end":759.535,"sentiment":"neutral","sentiment_score":0.1745047482351462},{"text":"The other kind of one, so you are happy with the life and CBD cover that you held.","start":759.755,"end":763.8,"sentiment":"neutral","sentiment_score":0.24838275979790422}],"sentiment":"neutral","sentiment_score":0.17521494159356077,"num_words":47,"start":746.38995,"end":763.8},{"sentences":[{"text":"Essentially, your life cover has a current sum insured of 661,500 and the same with the TBD cover there.","start":764.68,"end":772.45996,"sentiment":"neutral","sentiment_score":0.02355372209690119},{"text":"However, you will get underinsured with the income protection side of things.","start":772.76,"end":776.36,"sentiment":"neutral","sentiment_score":-0.0017726302612572908},{"text":"So we are recommending that we just increase your income protection so that you do have that monthly benefit that covers up to 70% of your income if in the event that you're off work due to illness or injury.","start":776.36,"end":788.435,"sentiment":"neutral","sentiment_score":0.1018466661684215},{"text":"That essentially means that we just need to increase your income protection, some insured, to $4,510 on a monthly basis.","start":788.655,"end":796.7,"sentiment":"neutral","sentiment_score":0.0901904221624136},{"text":"We still keep that waiting period of thirty days, still keep the benefit period of five years, and the insurance premium just goes up.","start":797.08,"end":804.92004,"sentiment":"neutral","sentiment_score":0.12380949469904105}],"sentiment":"neutral","sentiment_score":0.0806552358214622,"num_words":115,"start":764.68,"end":804.92004},{"sentences":[{"text":"The total premium for the year goes up from $14.47 to $15.39 there.","start":804.92004,"end":810.175,"sentiment":"neutral","sentiment_score":0.13987770218115586},{"text":"So only a small increase to to bring up that income protection monthly benefit there for you.","start":810.175,"end":815.395,"sentiment":"neutral","sentiment_score":0.13566918495823355},{"text":"Okay?","start":815.455,"end":815.955,"sentiment":"neutral","sentiment_score":0.115307055413723},{"text":"Easy.","start":817.85504,"end":818.335,"sentiment":"neutral","sentiment_score":0.2622891664505005},{"text":"I'm having a look at your pre assessment there.","start":818.335,"end":821.695,"sentiment":"neutral","sentiment_score":0.15932563609547085}],"sentiment":"neutral","sentiment_score":0.1447881273016697,"num_words":41,"start":804.92004,"end":821.695},{"sentences":[{"text":"There was no major changes to reflect, so going through the application should be a very, very simple process for you.","start":821.695,"end":827.3,"sentiment":"neutral","sentiment_score":0.2804016825698671},{"text":"Essentially, if you decide to take on those recommendations, how we'll kinda go through the process is we'll start just by altering the hub 24.","start":827.83997,"end":835.68,"sentiment":"neutral","sentiment_score":0.1071484649181366},{"text":"So we're in the choice product there.","start":835.68,"end":837.235,"sentiment":"neutral","sentiment_score":0.0718642712703773},{"text":"We'll complete the investment switch, and then we'll book you in with one of our lovely admin team members who'll go through an increased application for your income protection.","start":837.235,"end":845.255,"sentiment":"neutral","sentiment_score":0.12773070304558196},{"text":"That then just goes back to the insurer.","start":845.875,"end":847.815,"sentiment":"neutral","sentiment_score":0.07375885918736458}],"sentiment":"neutral","sentiment_score":0.14849397908482287,"num_words":90,"start":821.695,"end":847.815},{"sentences":[{"text":"They'll do a quick underwriting assessment and then come back and offer the cover, and that'll all kinda go through fairly quickly there for you.","start":847.875,"end":855.27,"sentiment":"neutral","sentiment_score":0.12243808135390281},{"text":"You know?","start":855.27,"end":855.83,"sentiment":"neutral","sentiment_score":0.0455697737634182},{"text":"We did a bit of a pre assessment late late last year with you, and there's really nothing there that flags that would require any loadings or exclusions to be added to the policy unless there's any been any major changes in your health in the last few months there.","start":855.83,"end":869.785,"sentiment":"neutral","sentiment_score":-0.0032156896591186523},{"text":"But it sounds like you're nice and healthy and look after yourself really well, so I don't foresee any major issues.","start":869.785,"end":875.165,"sentiment":"positive","sentiment_score":0.34353264953408924},{"text":"Yeah.","start":875.545,"end":876.045,"sentiment":"neutral","sentiment_score":0.18509206175804135}],"sentiment":"neutral","sentiment_score":0.10495540202416555,"num_words":99,"start":847.875,"end":876.045},{"sentences":[{"text":"All good.","start":877.64,"end":878.3,"sentiment":"positive","sentiment_score":0.3658486157655716},{"text":"Throughout that document there, we do outline the advantages, the disadvantages, the risks involved, any alternatives that I've researched and considered there for you as well.","start":878.44,"end":886.46,"sentiment":"neutral","sentiment_score":0.16523956794005173},{"text":"And on page number 22, we do also have a little table that shows you the difference in the projection table above, but also a consideration.","start":886.84,"end":894.435,"sentiment":"neutral","sentiment_score":0.20055607305123255},{"text":"If you had no insurances paid out of your super, over the next five to ten years, you could end up with a much greater level of a super so your super could grow even more.","start":894.655,"end":904.755,"sentiment":"positive","sentiment_score":0.5067550821436776},{"text":"It's just sort of showing you that there is an impact on your retirement outcome when you do have insurances paid out of super, but that's kind of a funny one because we all wanna have a little bit of cover to look after and protect us in the event that something happens, and paying it out of that super is, you know, the best way to hold the cover.","start":904.93,"end":922.245,"sentiment":"neutral","sentiment_score":0.20481117154870715}],"sentiment":"neutral","sentiment_score":0.2676396803930402,"num_words":160,"start":877.64,"end":922.245},{"sentences":[{"text":"That way, we're not paying those premiums every year out of our back pocket.","start":922.245,"end":925.78503,"sentiment":"neutral","sentiment_score":0.1247062012553215},{"text":"But it's about making sure that we review those insurances every year to make sure as, you know, essentially, as you get older, those insurance premiums are gonna get more and more expensive.","start":926.245,"end":935.27,"sentiment":"neutral","sentiment_score":-0.10019143083781908},{"text":"So being able to review those every year just means that we can keep the insurances in line with your goals and your needs, but also trying to make sure they don't eat away all of your super at the same time.","start":935.49,"end":946.95496,"sentiment":"neutral","sentiment_score":0.23284264574093477},{"text":"Yeah.","start":947.33496,"end":947.83496,"sentiment":"neutral","sentiment_score":0.19716691970825195},{"text":"All good.","start":949.575,"end":950.295,"sentiment":"positive","sentiment_score":0.5540967881679535}],"sentiment":"neutral","sentiment_score":0.1035252306205423,"num_words":92,"start":922.245,"end":950.295},{"sentences":[{"text":"Do you have any questions or anything you kinda wanted me to go through?","start":950.295,"end":953.735,"sentiment":"neutral","sentiment_score":0.13464119604655675},{"text":"Or Sure.","start":953.735,"end":958.68,"sentiment":"neutral","sentiment_score":0.10255962610244751},{"text":"Yeah.","start":961.86,"end":962.36,"sentiment":"neutral","sentiment_score":0.03670767322182655},{"text":"Yeah.","start":964.10004,"end":964.60004,"sentiment":"neutral","sentiment_score":-0.0030697155743837357},{"text":"Yeah.","start":973.175,"end":973.57495,"sentiment":"neutral","sentiment_score":-0.1317402869462967}],"sentiment":"neutral","sentiment_score":0.10484177197672818,"num_words":19,"start":950.295,"end":973.57495},{"sentences":[{"text":"So if you're only planning on going with tender leave for twelve months, the the main kind of impact would just be the the contributions are gonna decrease for a bit of time, but we still wanna make sure the growth is there.","start":973.57495,"end":985.3,"sentiment":"neutral","sentiment_score":-0.056024746059678325},{"text":"So the contributions that have been going in, the dividends that are being paid out of the investments will still get compounded and put back into the into the investment profile and can still provide decent growth.","start":985.3,"end":997.63995,"sentiment":"positive","sentiment_score":0.3822220036306897},{"text":"So, realistically, the impact shouldn't be that great.","start":998.70496,"end":1001.685,"sentiment":"neutral","sentiment_score":-0.013100951910018921},{"text":"If you do decide to not go back to work or you have a bit longer than that twelve months, then I probably wanna reevaluate the portfolio a little bit just to make sure that it is working harder.","start":1002.14496,"end":1011.605,"sentiment":"neutral","sentiment_score":-0.08445672079538688},{"text":"But we'll do that as part of the annual review every year as well anyway.","start":1011.99,"end":1016.09,"sentiment":"neutral","sentiment_score":0.07153157939513524}],"sentiment":"neutral","sentiment_score":0.06625002829856436,"num_words":142,"start":973.57495,"end":1016.09},{"sentences":[{"text":"But, yeah, just just dropping work for twelve months, it shouldn't while your contributions will stop for that point in time, it shouldn't have too great an impact.","start":1016.63,"end":1025.45,"sentiment":"neutral","sentiment_score":-0.05870282516947815},{"text":"You'll still be receiving the growth in the income.","start":1025.665,"end":1028.0651,"sentiment":"neutral","sentiment_score":0.22121650146113503},{"text":"We still want that to work within the portfolio for you as well.","start":1028.0651,"end":1031.525,"sentiment":"neutral","sentiment_score":0.28674342884467197},{"text":"Yeah.","start":1031.665,"end":1032.165,"sentiment":"neutral","sentiment_score":0.11576830595731737},{"text":"Oh, good.","start":1033.265,"end":1033.985,"sentiment":"neutral","sentiment_score":0.30069124698638916}],"sentiment":"neutral","sentiment_score":0.09041669402482375,"num_words":53,"start":1016.63,"end":1033.985},{"sentences":[{"text":"Are you actively trying for a baby or you're oh, that's exciting.","start":1033.985,"end":1039.7899,"sentiment":"neutral","sentiment_score":0.17133631370961666},{"text":"Well, good luck.","start":1040.09,"end":1041.0499,"sentiment":"positive","sentiment_score":0.6093442042668661},{"text":"I hope it all goes well.","start":1041.0499,"end":1042.25,"sentiment":"positive","sentiment_score":0.6152351001898447},{"text":"Let us know how you go.","start":1042.25,"end":1043.71,"sentiment":"positive","sentiment_score":0.3506061335404714},{"text":"We'll make sure we we do regular reviews with you as well.","start":1044.49,"end":1047.7899,"sentiment":"neutral","sentiment_score":0.17591704862813154}],"sentiment":"neutral","sentiment_score":0.30231077854449934,"num_words":39,"start":1033.985,"end":1047.7899},{"sentences":[{"text":"Did you want me to do a catch up in maybe six months just to kind of look at how things are tracking and see where where changes might be updated in your life?","start":1048.09,"end":1055.935,"sentiment":"neutral","sentiment_score":0.09910718548823805},{"text":"Yep.","start":1057.8351,"end":1058.235,"sentiment":"neutral","sentiment_score":0.31826335191726685},{"text":"Fantastic.","start":1058.235,"end":1058.735,"sentiment":"positive","sentiment_score":0.6504974365234375},{"text":"Beautiful.","start":1059.515,"end":1060.015,"sentiment":"positive","sentiment_score":0.5917283296585083},{"text":"Well, I'll make a little note there for you.","start":1060.795,"end":1062.9551,"sentiment":"neutral","sentiment_score":0.22166600988970864}],"sentiment":"neutral","sentiment_score":0.1505462502979714,"num_words":46,"start":1048.09,"end":1062.9551},{"sentences":[{"text":"One of my team will give you a call in six months.","start":1062.9551,"end":1064.8899,"sentiment":"neutral","sentiment_score":0.13933330898483595},{"text":"If you wanna take some time to have a bit of a look through the document, run your eyes over the advantages, disadvantages, and risks, and the alternatives there as well.","start":1065.09,"end":1072.61,"sentiment":"neutral","sentiment_score":0.1761804174992346},{"text":"Feel free to let me know if there are any additional questions.","start":1072.61,"end":1075.19,"sentiment":"neutral","sentiment_score":0.2247268222272396},{"text":"More than happy to go through it or answer anything else that you might have there.","start":1075.97,"end":1079.59,"sentiment":"positive","sentiment_score":0.5394966434687376},{"text":"We do outline the fee structure on the back end, and there's no implementation fee for this.","start":1079.6749,"end":1084.635,"sentiment":"neutral","sentiment_score":0.25034280559595895}],"sentiment":"neutral","sentiment_score":0.2581600966778668,"num_words":88,"start":1062.9551,"end":1084.635},{"sentences":[{"text":"It's all part of our ongoing services.","start":1084.635,"end":1086.655,"sentiment":"positive","sentiment_score":0.37516205332108904},{"text":"And with your insurance premiums, we do just have to also let you know we do receive commission from the insurers for writing these policies.","start":1087.355,"end":1095.74,"sentiment":"neutral","sentiment_score":0.05432949900627136},{"text":"So it's not paid by you in any way, shape, or form.","start":1095.8,"end":1098.52,"sentiment":"neutral","sentiment_score":0.029987367956588667},{"text":"It's just provided paid to us by the insurer.","start":1098.52,"end":1101.42,"sentiment":"neutral","sentiment_score":0.11357694119215012},{"text":"We do receive 66% of the first year's premium with two 22% ongoing thereafter.","start":1101.9601,"end":1107.42,"sentiment":"neutral","sentiment_score":0.23413671659571783}],"sentiment":"neutral","sentiment_score":0.12901980249183392,"num_words":67,"start":1084.635,"end":1107.42},{"sentences":[{"text":"That is what just led us across the board.","start":1108.215,"end":1110.135,"sentiment":"neutral","sentiment_score":0.2612980571058061},{"text":"So it has no impact on our recommendations.","start":1110.135,"end":1112.875,"sentiment":"neutral","sentiment_score":0.14253578707575798},{"text":"It's all just about making sure the advice is in your best interest in working towards your goals and making sure we disclose everything so you can make a an informed decision on how you wanna proceed.","start":1113.1749,"end":1124.12,"sentiment":"neutral","sentiment_score":0.309397531925021},{"text":"Excellent.","start":1126.74,"end":1127.24,"sentiment":"positive","sentiment_score":0.6789436340332031},{"text":"That is basically everything I needed to go through with you.","start":1127.86,"end":1130.74,"sentiment":"positive","sentiment_score":0.4446738524870439}],"sentiment":"neutral","sentiment_score":0.31075808338143607,"num_words":66,"start":1108.215,"end":1130.74},{"sentences":[{"text":"Is there anything you any other questions that might have popped up or any clarifications that you'd wanted additionally from any of this?","start":1130.74,"end":1137.595,"sentiment":"neutral","sentiment_score":0.14587286665387775},{"text":"No.","start":1143.255,"end":1143.755,"sentiment":"neutral","sentiment_score":-0.13740713894367218},{"text":"Absolutely.","start":1144.455,"end":1144.955,"sentiment":"neutral","sentiment_score":0.11693211644887924},{"text":"Yeah.","start":1145.415,"end":1145.655,"sentiment":"neutral","sentiment_score":0.05663628131151199},{"text":"No.","start":1145.655,"end":1145.895,"sentiment":"neutral","sentiment_score":-0.0009560361504554749}],"sentiment":"neutral","sentiment_score":0.12556596872983156,"num_words":27,"start":1130.74,"end":1145.895},{"sentences":[{"text":"So that's why we date the document for today's date because the document is valid for sixty days.","start":1145.895,"end":1150.7,"sentiment":"neutral","sentiment_score":0.026265938766300678},{"text":"So you're welcome to run your eyes over.","start":1150.7,"end":1152.46,"sentiment":"neutral","sentiment_score":0.1832939274609089},{"text":"Take your time.","start":1152.46,"end":1153.0199,"sentiment":"neutral","sentiment_score":0.21828608214855194},{"text":"There's no pressure whatsoever.","start":1153.0199,"end":1154.3999,"sentiment":"neutral","sentiment_score":0.11218301579356194},{"text":"The last thing I want you to do is sign without reading.","start":1154.7799,"end":1157.12,"sentiment":"neutral","sentiment_score":0.016366396409769852}],"sentiment":"neutral","sentiment_score":0.071980564089285,"num_words":45,"start":1145.895,"end":1157.12},{"sentences":[{"text":"I do like that you take some time to have a look through the document.","start":1157.1799,"end":1160.0,"sentiment":"neutral","sentiment_score":0.2098916957775752},{"text":"Let me know if there's any questions, and, yeah, my team will just be in contact over the next few weeks to see if there's anything you need, any questions that you have.","start":1160.715,"end":1167.355,"sentiment":"neutral","sentiment_score":0.20555415117379391},{"text":"And even when you are comfortable with that, we'll just get you to sign and return it all back for us.","start":1167.355,"end":1172.015,"sentiment":"neutral","sentiment_score":0.14374348201922008},{"text":"If you do find there's any part of the advice you don't wish to proceed with, on the very back page, the authority to proceed, there is actually a line and we have a text box there.","start":1172.395,"end":1183.24,"sentiment":"neutral","sentiment_score":-0.0815167864029472},{"text":"So you're welcome to write in there if there's something you do choose not to take on board.","start":1183.24,"end":1187.74,"sentiment":"neutral","sentiment_score":-0.03049871325492859}],"sentiment":"neutral","sentiment_score":0.07568691622826361,"num_words":124,"start":1157.1799,"end":1187.74},{"sentences":[{"text":"Okay?","start":1187.8,"end":1188.3,"sentiment":"neutral","sentiment_score":0.040552906692028046},{"text":"Yeah.","start":1189.32,"end":1189.82,"sentiment":"neutral","sentiment_score":0.23696684837341309},{"text":"Aussie, do you have any plans for the afternoon or just the rest of one?","start":1190.4551,"end":1193.755,"sentiment":"neutral","sentiment_score":0.10681849295894305},{"text":"I like that.","start":1196.6151,"end":1197.3351,"sentiment":"positive","sentiment_score":0.7881271243095398},{"text":"Enjoy the sunshine while you have it.","start":1197.3351,"end":1199.3551,"sentiment":"positive","sentiment_score":0.7315760084560939}],"sentiment":"positive","sentiment_score":0.34685965116929124,"num_words":27,"start":1187.8,"end":1199.3551},{"sentences":[{"text":"All good.","start":1202.3099,"end":1202.5499,"sentiment":"positive","sentiment_score":0.6335212886333466},{"text":"Well, thank you so much for your time.","start":1202.5499,"end":1204.3899,"sentiment":"positive","sentiment_score":0.7863224595785141},{"text":"I really appreciate you taking my call today.","start":1204.3899,"end":1206.71,"sentiment":"positive","sentiment_score":0.8559848666191101},{"text":"I'll let you go to review everything, and let me know if there's anything you need in the meantime.","start":1206.71,"end":1210.57,"sentiment":"positive","sentiment_score":0.535636266595439},{"text":"My pleasure.","start":1212.95,"end":1213.59,"sentiment":"positive","sentiment_score":0.8273137807846069}],"sentiment":"positive","sentiment_score":0.6727491747110318,"num_words":39,"start":1202.3099,"end":1213.59},{"sentences":[{"text":"Enjoy your afternoon.","start":1213.59,"end":1214.6499,"sentiment":"positive","sentiment_score":0.7770102818806967},{"text":"Thank you.","start":1214.7899,"end":1215.5299,"sentiment":"positive","sentiment_score":0.7483942806720734},{"text":"See you later.","start":1216.3899,"end":1217.2899,"sentiment":"neutral","sentiment_score":0.1917288973927498}],"sentiment":"positive","sentiment_score":0.5503757623955607,"num_words":8,"start":1213.59,"end":1217.2899}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thank you. How are you? Yeah. That's fine. Yep. Yep. Alright. So it's Bethan Dins. Date of birth, twenty fourth of the fourth ninety eight, and address is 21 Macclesfield Road, Emerald, Victoria 3782. No. I have access. That's fine. Yes. Yeah. Good. Thank you. Yours? It's okay. Oh, that is so odd. So it is. Yeah. Yeah. No. At least we've got a bit of sun today, but it is cold. Yes. It has. Mhmm. Yep. Yep. Yes. Yeah. Mhmm. Okay. Yep. Mhmm. No. I've I've purchased it last year. Yeah. Yeah. I've got I've I've got one, which is good. It is. I love it. It's definitely an upgrade from what I had. Yep. Mhmm. Mhmm. I fixed. Yeah. Sounds good. Mhmm. Okay. Mhmm. Yep. Yep. Mhmm. Okay. Mhmm. Yeah. That's fine. That makes sense. Mhmm. Yeah. Great. Thank you. Mhmm. Yep. Mhmm. Yep. That makes sense. Got it. Yeah. Yeah. That sounds all good. Mhmm. Yep. Mhmm. Yep. That makes sense. No. Not not with everything we've covered so far. I'm happy. Mhmm. Mhmm. Okay. Mhmm. Mhmm. Yep. Yep. Cool. Okay. Okay. Yep. I did just have a question. I'm I'm hoping to start a family in the next twelve months, and, obviously, that involves going on mat leave. Is there any impact there to my my contribution with, obviously, less income for twelve months? Mhmm. Yeah. Of course. Yeah. Yeah. Yeah. Alright. Cool. Yeah. Yeah. We are. Yeah. Thank you. Yeah. That sounds good. Mhmm. Yep. Sounds good. No. That's alright. Do you need this signed, like, within, like, today, or can I have a look over it now? Yeah? Yeah. Alright. Yep. Yeah. Cool. Yep. Sounds good. Yeah. Just just chilling today. Yeah. Okay. Beautiful. Thank you very much. And see you. 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Good. Thank you. How are you? Yeah.\n\nThat's fine. Yep. Yep. Alright. So it's Bethan Dins.\n\nDate of birth, twenty fourth of the fourth ninety eight, and address is 21 Macclesfield Road, Emerald, Victoria 3782. No. I have access. That's fine. Yes.\n\nYeah. Good. Thank you. Yours? It's okay.\n\nOh, that is so odd. So it is. Yeah. Yeah. No.\n\nAt least we've got a bit of sun today, but it is cold. Yes. It has. Mhmm. Yep.\n\nYep. Yes. Yeah. Mhmm. Okay.\n\nYep. Mhmm. No. I've I've purchased it last year. Yeah.\n\nYeah. I've got I've I've got one, which is good. It is. I love it. It's definitely an upgrade from what I had.\n\nYep. Mhmm. Mhmm. I fixed. Yeah.\n\nSounds good. Mhmm. Okay. Mhmm. Yep.\n\nYep. Mhmm. Okay. Mhmm. Yeah.\n\nThat's fine. That makes sense. Mhmm. Yeah. Great.\n\nThank you. Mhmm. Yep. Mhmm. Yep.\n\nThat makes sense. Got it. Yeah. Yeah. That sounds all good.\n\nMhmm. Yep. Mhmm. Yep. That makes sense.\n\nNo. Not not with everything we've covered so far. I'm happy. Mhmm. 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you.","start":1215.1951,"end":1215.755,"sentiment":"positive","sentiment_score":0.5453748106956482},{"text":"Bye.","start":1215.755,"end":1216.255,"sentiment":"neutral","sentiment_score":0.32863956689834595}],"sentiment":"positive","sentiment_score":0.6279453105396695,"num_words":9,"start":1207.115,"end":1216.255}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi. This is Dana from Okie Financial. How are you this afternoon?\n\nChannel 1: Good. Thank you. How are you?\n\nChannel 0: Very well. Thank you. I have you booked in just to go through an updated statement of of advice this afternoon. Is now still a good time there for you?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Fantastic. Just before we jump into the call there, I do need to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. And just to do security there with you as well, just because we are discussing your personal information, I just need to confirm your full name, your date of birth, and address I should have on file here for\n\nChannel 1: Yep.\n\nChannel 0: you.\n\nChannel 1: Alright. So it's Bethan Dins.\n\nChannel 0: Yep.\n\nChannel 1: Date of birth, twenty fourth of the fourth ninety eight, and address\n\nChannel 0: Yep.\n\nChannel 1: is 21 Macclesfield Road, Emerald, Victoria 3782.\n\nChannel 0: Lovely. Thank you so much for that. Bethan, do you happen to have access to your emails at the moment? If you don't, that's absolutely fine.\n\nChannel 1: No. I have access. That's fine.\n\nChannel 0: You do? Fantastic. I'm just gonna send through this one to you once it comes\n\nChannel 1: Yes.\n\nChannel 0: through. If you could open up the document there. We're just looking at the statement of advice, which should be the first document in the email there, and I'll take you through these updated recommendations. Okay. Fantastic.\n\nAnd how's your day been so far?\n\nChannel 1: Yeah. Good. Thank you. Yours?\n\nChannel 0: Yeah. Good. Busy. But that's okay. We like it that way.\n\nChannel 1: It's okay. Oh, that is\n\nChannel 0: Is it\n\nChannel 1: so odd.\n\nChannel 0: is it really cold down there at the moment?\n\nChannel 1: So it is.\n\nChannel 0: Oh, yeah. Because\n\nChannel 1: Yeah.\n\nChannel 0: that Melbourne weather. Ew.\n\nChannel 1: Yeah.\n\nChannel 0: I'm a bit weak up here in Queensland. We have the Gold Coast winters, and that's not as bad as yours. So\n\nChannel 1: No. At least we've got a bit of sun today, but it is cold.\n\nChannel 0: oh, that is good. That is so good. Has that email popped through there to you at all?\n\nChannel 1: Yes. It has.\n\nChannel 0: Fantastic. So with this one here on the front, you'll see the Ophi Financial statement of advice, and it has been prepared for yourself as of the June 11. We put today's date, which is the presentation date there for you. So you do have sixty days to review the document to decide whether you wanna take on the recommendations or not.\n\nChannel 1: Mhmm.\n\nChannel 0: At the very bottom of the document there, it does also have my representative number. So I'm licensed through Affic, and my registration number's 1304394. Okay.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Fantastic. As you are sort of scrolling through the first few pages there, it does note the scope of the advice. So last time we caught up, you wanted to look at the wanted us to sort of have a look and see if you were on track to meet your goals. You were hoping to sort of retire around about age 67 at the time. Do you still think that's sort of the goal age?\n\nOr\n\nChannel 1: Yes. Yeah.\n\nChannel 0: yeah. Yes. That's okay. And you were hoping to, at the time, living on about $1,000 a week per sorry, per week of income in retirement there, that could definitely change. You still got a lot of time between now to then.\n\nThat's\n\nChannel 1: Mhmm.\n\nChannel 0: just the goal we're working on for the moment there for you. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: With your income protection, you were happy with the licensed EPDs and bonus that you did have, but your income your income protection was a bit underinsured there. So you did wanna look at increasing that slightly. So we have received an updated quote there for you and are looking to increase that, and I'll show you the effect. Okay? Areas that we've sketched out for the advice is your life with CBD.\n\nWe're happy not to to keep those as they were and didn't wanna take any additional recommendations around trauma, so they are spread out of the advice. And you were also saving the purchase a new car. Have you managed to do that yet, or are you still saving?\n\nChannel 1: Mhmm. No. I've I've purchased it last year.\n\nChannel 0: Oh, fantastic. It was a Mitsubishi ASX you were after?\n\nChannel 1: Yeah. Yeah. I've got I've I've\n\nChannel 0: Yes.\n\nChannel 1: got one, which is\n\nChannel 0: Oh,\n\nChannel 1: good.\n\nChannel 0: fantastic. Is it everything you thought it was gonna be?\n\nChannel 1: It is. I love it. It's definitely\n\nChannel 0: Yes.\n\nChannel 1: an upgrade from what I had.\n\nChannel 0: Fantastic. That is so, so good to see. To make this a bit easier on you, I will let you go back and definitely have a review of all the pages and reach you with the advice prior to accepting it. But to make it a bit easier, just so we can go through the recommendations that we've made there for you, if I can get you to scroll down for me, essentially, to page number so sorry. There we go.\n\nPage number 19 for me.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So when you came on board originally, you did have a much of a smaller balance there. So we had put you into the hub 24 discover, and then you and you were sent into the iShares SMA to be able to build your balance up. The goal moving forward for that was once your balance hit a certain target or was high enough to be able to move you into a more elaborate product, so a product that had a lot more options of investments that could provide a greater level of return and help to grow your funds even more. That that was essentially what we wanted to try and do.\n\nWith\n\nChannel 1: Mhmm.\n\nChannel 0: the iShares product there, we've kinda gone back and had a really good look at how your super has been performing, the additional growth that you've seen. Hasn't been too bad at all. When I have a look at from inception, because you're in your third year now, over the past couple of years since 2024 in February, your portfolio has made a 30.36 return since coming on board. So it has seen some really great additional growth there.\n\nChannel 1: Mhmm.\n\nChannel 0: What\n\nChannel 1: I fixed.\n\nChannel 0: I am recommending in order to make sure that your super continues to work harder for you is to keep you within Hub twenty four because it is a great product. It is a great super fund, and there's no real need to change the the actual super fund at the moment. But to move you from the Discover to the Choice product, essentially, Discover only has a couple of different options to invest in. It's meant to be a low cost, simple product that is there to kind of build super up. The Choice product essentially allows us to invest in anywhere up to 1,178 different investment options.\n\nThat's managed funds, exchange traded funds, and individual companies. So we can, like, build those portfolios that are working harder and trying to get greater potential returns down the track. So we've got your balance up to about 60 k now. Now we just wanna keep it working harder and try to get some additional growth. That way, it can compound a bit faster for you and grow towards your goals at the age of 67.\n\nDoes that make sense?\n\nChannel 1: Yeah. Sounds good.\n\nChannel 0: Yeah. So with the change, it is very simple. There is no major rollovers or changes to make. This is the form that we get you to sign, and everything changes in the back end. And\n\nChannel 1: Mhmm.\n\nChannel 0: then once we complete that change of product, we're gonna move your investment. So move you out of the iShares SMA product and into a new diversified portfolio, which if you have a look at the bottom of that table there, the old the older sort of iShares product over the past five years has averaged about 9.61%, which is great, but the newer investment portfolio has had a greater past performance. So when we utilize what's been happening in the past five years with this sort of a portfolio, we can see and expect that in the future, we should be able to get greater returns moving forward. And that's what we want. We wanna make sure your returns aren't limited.\n\nWe wanna keep evolving the the product, keep evolving the investment so that you're always making money and growing your super to the best that possibly can. Okay?\n\nChannel 1: Okay.\n\nChannel 0: So with the difference in the fees, because it's really important that we kinda go through that with you, the admin fees there, they do increase a little bit by about a $158, but the newer portfolio is also cheaper. So it saves you about\n\nChannel 1: Mhmm.\n\nChannel 0: a $106 in investment fees. And moving\n\nChannel 1: Yep.\n\nChannel 0: forward, that compound effect could have a greater effect for you.\n\nChannel 1: Yep.\n\nChannel 0: The ongoing service\n\nChannel 1: Mhmm.\n\nChannel 0: fee, we do have to turn that on. So I know for the past two years, we haven't charged an ongoing service fee, but we are gonna have to turn that on moving forward because this requires a lot more maintenance. And we wanna keep evolving the advice and working harder towards your goals there.\n\nChannel 1: Okay.\n\nChannel 0: Our ongoing service fee is 1.65% per annum, and it is deducted in smaller monthly increments. So,\n\nChannel 1: Mhmm.\n\nChannel 0: essentially, our ongoing service fee, it fluctuates with the market. So when the market is doing really well and your performance is much higher, it does mean that our fee does increase there with it as well. However, at times when market sees volatility and downtime, then our fee takes a bit of a dip there with it. So as a percentage, they see it fluctuates and goes up and down with the market. Does that make sense?\n\nChannel 1: Yeah. That's fine. That makes sense.\n\nChannel 0: Yeah. Perfect. I just wanted to make sure I'm clarifying and make sure I'm open and honest with you as well because I sort of weighed up all the options. And this the portfolio has done really well, and not having that ongoing service takes the past two years has definitely been a benefit there. But this\n\nChannel 1: Mhmm.\n\nChannel 0: moving forward will require a little bit more in the way of maintenance and ongoing service and updating the advice. We wanna make sure that, obviously, there is a point where Affley has to turn on. So I just wanted to make sure I'm open and honest with you about that. Okay?\n\nChannel 1: Yeah. Great. Thank you.\n\nChannel 0: Excellent. If you go just above the two pages, you'll see the investment table. That's on page number eight 17 there for you, and you'll see\n\nChannel 1: Mhmm.\n\nChannel 0: the difference in the investment. So we'll move you out of the iShares enhanced strategic aggressive portfolio there and move you into what's been noted below here. So once we complete the switch, you'll have some investment in global cybersecurity. We'll have the European investment there, which gives you access to other 16 countries within Europe and a global diversified European portfolio. We'll have some investment in Japan.\n\nWe've also got the Vanguard all world ex US. This is giving you exposure to the entire globe minus The US or the American market, and that's because we have the S and P 500 under here, which is a US exposure giving you access to the top 500 companies on The US market. So we have that in there as well. You've also got the beta shares a 200, which is giving you exposure to the top 200 companies on the ASX. They're giving you some Australian exposure and then some global physical gold as well.\n\nSo this is gold bullion, which is held in a bank vault in London, believe it or not. And global that's essentially tracked the physical gold brass, and that has done phenomenal over the last couple of years. So having some physical gold in your portfolio is really great there as well.\n\nChannel 1: Yep.\n\nChannel 0: And then because you are a growth investor, having some defensive investments like fixed interest and bonds and cash and things like that is important. So the iShares core composite bond is giving you access to a global sorry. Well, it gives you access to global, but it's mostly Australian held treasury and government bonds as well as\n\nChannel 1: Mhmm.\n\nChannel 0: some corporate bonds there as well. So bonds are low risk. They do tend to get a lower rate of return, but they're good for income producing. We wanna generate income from your portfolio as well, which can be re allocated back into this portfolio to help with that compounding effect. Does that make sense?\n\nChannel 1: Yep. That makes sense.\n\nChannel 0: Yeah. Beautiful. So that's essentially what you'll see your portfolio diversified into. I do go a little bit simpler on that one. If you wanted more information or maybe going even deeper, absolutely, because not everyone's that interested in the investment side of things.\n\nSo\n\nChannel 1: Got\n\nChannel 0: did you\n\nChannel 1: it. Yeah.\n\nChannel 0: have any questions at the moment in relation to any of those?\n\nChannel 1: Yeah. That sounds all good.\n\nChannel 0: Yeah. Beautiful. We'll still keep a bit of cash with Hub twenty four. We do need to keep 1.25% cash in there, so we expect about $753 to be held in cash once the portfolio has been altered.\n\nChannel 1: Mhmm.\n\nChannel 0: And we do understand there is a CGT effect. So whenever we do make changes to investments or within a portfolio, believe it or not, your Superfund, just like you, does a tax return every year. On that sheet comparison table on page number 19 there, you'll see the difference of $913. So, essentially, that's taking into account the CGT effect or the capital gains effect that Hub twenty four will have to take into account when they complete the investment switch. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful. All in all, it's a much more diversified portfolio. It's definitely giving you access to greater potential returns there. It is reducing a bit of risk there as well, and also reducing the investment fees, which is, you know, really good.\n\nWhen we kinda project the outcome or the the fee table, the outcome there for your fees, your insurance premiums, your contributions going in, and the past rolling average of the portfolio has been able to reduce over the next\n\nChannel 1: Mhmm.\n\nChannel 0: five to ten years, so we can sort of see and project that it should put you in a much greater position than where you are currently if you stay in the same portfolio. Does that make sense?\n\nChannel 1: Yep. That makes\n\nChannel 0: Yeah. Do you have any questions so far at all?\n\nChannel 1: sense. No. Not not with everything we've covered so far. I'm happy.\n\nChannel 0: No. Excellent. If you scroll down a little bit further to page number 21 there, this is just the assurances. The other kind of one, so you are happy with the life and CBD cover that you held. Essentially, your life cover has a current sum insured of 661,500 and the same with the\n\nChannel 1: Mhmm.\n\nChannel 0: TBD cover there. However, you will get underinsured with the income protection side of things. So we are recommending that we just increase your income protection so that you do have that monthly benefit that covers up to 70% of your income if in the event that you're off work due to illness or injury. That essentially\n\nChannel 1: Mhmm.\n\nChannel 0: means that we just need to increase your income protection, some insured, to $4,510 on a monthly basis. We still keep that waiting period of thirty days, still keep the benefit period of five years, and the insurance premium just goes up. The total premium for the year goes up from $14.47 to $15.39 there. So only a small increase to to bring up that income protection monthly benefit there for you. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Easy. I'm having a look at your pre assessment there. There was no major changes to reflect, so going through the application should be a very, very simple process for you. Essentially,\n\nChannel 1: Mhmm.\n\nChannel 0: if you decide to take on those recommendations, how we'll kinda go through the process is we'll start just by altering the hub 24. So we're in the choice product there. We'll complete the investment switch, and then we'll book you in with one of our lovely admin team members who'll go through an increased application for your income protection. That then just goes back to the insurer. They'll do a quick underwriting assessment and then come back and offer the cover, and that'll all kinda go through fairly quickly there for you.\n\nYou know? We did a bit of a pre assessment late late last year with you, and there's really nothing there that flags that would require any loadings or exclusions to be added to the policy unless\n\nChannel 1: Mhmm.\n\nChannel 0: there's any been any major changes in your health in the last few months there. But it sounds like you're nice and healthy and look after yourself really well, so I don't foresee any major issues. Yeah.\n\nChannel 1: Yep. Yep. Cool.\n\nChannel 0: All good. Throughout that document there, we do outline the advantages, the disadvantages, the risks involved, any alternatives that I've researched and considered there for you as well. And on page number 22, we do also have a little table that shows you the difference in the projection table above, but also a consideration. If you had no insurances paid out of your super, over the next five to ten years, you could end up with a much greater level of a super so your super could grow even more. It's just sort of showing you that there is an impact on your retirement outcome when you do have insurances paid out of super, but that's kind of a funny one because we all wanna have a little bit of cover to look after and protect us in the event that something happens, and paying it out of that super is, you know, the best way to hold the cover.\n\nThat way, we're not paying those premiums every year out of our back pocket. But it's about making sure that we review those insurances every year to make sure as, you know, essentially, as you get older, those insurance premiums are gonna get more and more expensive. So being\n\nChannel 1: Okay.\n\nChannel 0: able to review those every year just means that we can keep the insurances in line with your goals and your needs, but also trying to make sure they don't eat away all of your super at the same time. Yeah.\n\nChannel 1: Okay. Yep.\n\nChannel 0: All good. Do you have any questions or anything you kinda wanted me to go through? Or\n\nChannel 1: I did just have a question. I'm I'm hoping to\n\nChannel 0: Sure.\n\nChannel 1: start a family in the next twelve months, and, obviously, that involves\n\nChannel 0: Yeah.\n\nChannel 1: going on mat leave.\n\nChannel 0: Yeah.\n\nChannel 1: Is there any impact there to my my contribution with, obviously, less income for twelve months?\n\nChannel 0: Yeah. So if you're only planning on going with tender leave for twelve months, the the main kind of impact would just be the the contributions are gonna decrease for a bit of time, but we still wanna make sure the growth is there. So the contributions that have been going in, the dividends that are being paid out of the investments will still get compounded and put back into the into the investment profile and can still provide decent growth. So, realistically, the impact shouldn't be that great.\n\nChannel 1: Mhmm.\n\nChannel 0: If\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: Of\n\nChannel 0: do\n\nChannel 1: course.\n\nChannel 0: decide to not go back to work or you have a bit longer than that twelve months, then I probably wanna reevaluate the portfolio a little bit just to make sure that it is working harder. But we'll\n\nChannel 1: Yeah.\n\nChannel 0: do that as part of the annual review every year as well anyway. But, yeah, just just dropping work for twelve months, it shouldn't while your contributions will stop for that point in time, it shouldn't have too great an impact. You'll still be receiving\n\nChannel 1: Yeah.\n\nChannel 0: the growth in the income. We still want that to work within the portfolio for you as well.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Alright. Cool.\n\nChannel 0: Oh, good. Are you actively trying for a baby or you're\n\nChannel 1: Yeah. Yeah. We are.\n\nChannel 0: oh, that's exciting. Well, good luck. I hope it all goes well. Let us know how you go.\n\nChannel 1: Yeah. Thank\n\nChannel 0: We'll\n\nChannel 1: you.\n\nChannel 0: make sure we we do regular reviews with you as well. Did you want me to do a catch up in maybe six months just to kind of look at how things are tracking and see where where changes might be updated in your life?\n\nChannel 1: Yeah. That sounds good.\n\nChannel 0: Yep. Fantastic. Beautiful. Well, I'll make a little note there for you. One of my team will give you a call in six months.\n\nIf you wanna take some time to have a bit of a look through the document, run your eyes over the advantages, disadvantages, and risks, and the alternatives there as well. Feel free to let me know if there are any additional questions.\n\nChannel 1: Mhmm.\n\nChannel 0: More than happy to go through it or answer anything else that you might have there. We do outline the fee structure on the back end, and there's no implementation fee for this. It's all part of our ongoing services. And with your insurance premiums, we do just have to also let you know we do receive commission from the insurers for writing these policies. So it's not paid by you in any way, shape, or form.\n\nIt's just provided paid to us by the insurer. We do receive 66% of the first year's premium with two 22% ongoing thereafter. That is what just led us across the board. So it has no impact on our recommendations. It's all just about making sure the advice is in your best interest in working towards your goals and making sure we disclose everything so you can make a an informed decision on how you wanna proceed.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Excellent. That is basically everything I needed to go through with you. Is there anything you any other questions that might have popped up or any clarifications that you'd wanted additionally from any of this?\n\nChannel 1: No. That's alright. Do you need this signed, like, within, like, today, or can I have a look\n\nChannel 0: No.\n\nChannel 1: over it now? Yeah?\n\nChannel 0: Absolutely. Yeah. No. So that's why we date the document for today's date because the document is valid for sixty days. So you're welcome\n\nChannel 1: Yeah. Alright.\n\nChannel 0: to run your eyes over. Take your time. There's no pressure whatsoever. The last\n\nChannel 1: Yep.\n\nChannel 0: thing I want you to do is sign without reading. I do like that you take some time to have a look through the document. Let me know if there's any questions, and, yeah, my team will just be in contact over the next few weeks to see if there's anything you need, any questions that you have. And even when you are comfortable with that, we'll just get you to sign and return it all back for us.\n\nChannel 1: Yeah.\n\nChannel 0: If you do find there's any part of the advice you don't wish to proceed with, on the very back page, the authority to proceed, there is actually a line and we have a text box there. So you're welcome to write in there if there's something you do choose not to take on board. Okay?\n\nChannel 1: Cool. Yep. Sounds\n\nChannel 0: Yeah.\n\nChannel 1: good.\n\nChannel 0: Aussie, do you have any plans for the afternoon or just the rest of one?\n\nChannel 1: Yeah. Just just chilling today.\n\nChannel 0: I like that. Enjoy the sunshine while you have it.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: All good. Well, thank you so much for your time. I really appreciate you taking my call today. I'll let you\n\nChannel 1: Beautiful.\n\nChannel 0: go to review everything, and let me know if there's anything you need in the meantime.\n\nChannel 1: Thank you very much.\n\nChannel 0: My pleasure. Enjoy your afternoon. Thank you.\n\nChannel 1: And see you. Bye.\n\nChannel 0: See you later.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.024797454476356503}],"sentiment":"neutral","sentiment_score":0.024797454476356503,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Hi.","start":1.92,"end":2.24,"sentiment":"neutral","sentiment_score":0.09659536182880402},{"text":"This is Dana from Okie Financial.","start":2.24,"end":3.86,"sentiment":"neutral","sentiment_score":0.14487454170982042},{"text":"How are you this afternoon?","start":4.0,"end":5.22,"sentiment":"neutral","sentiment_score":0.21474842429161073}],"sentiment":"neutral","sentiment_score":0.16996539446214834,"channel":0,"num_words":12,"start":1.92,"end":5.22},{"sentences":[{"text":"Good.","start":5.3599997,"end":5.68,"sentiment":"positive","sentiment_score":0.500286340713501},{"text":"Thank you.","start":5.68,"end":6.08,"sentiment":"positive","sentiment_score":0.5181171745061874},{"text":"How are you?","start":6.08,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.2897753616174062}],"sentiment":"positive","sentiment_score":0.40097446242968243,"channel":1,"num_words":6,"start":5.3599997,"end":6.8199997},{"sentences":[{"text":"Very well.","start":7.2,"end":7.8399997,"sentiment":"positive","sentiment_score":0.49659477174282074},{"text":"Thank you.","start":7.8399997,"end":8.4,"sentiment":"positive","sentiment_score":0.5924363136291504},{"text":"I have you booked in just to go through an updated statement of of advice this afternoon.","start":8.4,"end":13.12,"sentiment":"neutral","sentiment_score":0.2865039513391607},{"text":"Is now still a good time there for you?","start":13.12,"end":15.219999,"sentiment":"neutral","sentiment_score":0.2551584111319648}],"sentiment":"neutral","sentiment_score":0.3115018347899119,"channel":0,"num_words":30,"start":7.2,"end":15.219999},{"sentences":[{"text":"Yeah.","start":15.215,"end":15.375,"sentiment":"neutral","sentiment_score":0.15669023990631104},{"text":"That's fine.","start":15.375,"end":16.275,"sentiment":"neutral","sentiment_score":0.2819838672876358}],"sentiment":"neutral","sentiment_score":0.2402193248271942,"channel":1,"num_words":3,"start":15.215,"end":16.275},{"sentences":[{"text":"Fantastic.","start":17.074999,"end":17.574999,"sentiment":"positive","sentiment_score":0.6441205739974976},{"text":"Just before we jump into the call there, I do need to let you know we do record our calls for quality and training purposes.","start":18.355,"end":23.074999,"sentiment":"neutral","sentiment_score":0.18843988806009293},{"text":"Are you happy for us to proceed with that?","start":23.074999,"end":25.175,"sentiment":"neutral","sentiment_score":0.2246385564406713}],"sentiment":"neutral","sentiment_score":0.21076756524188178,"channel":0,"num_words":35,"start":17.074999,"end":25.175},{"sentences":[{"text":"Yep.","start":25.455,"end":25.955,"sentiment":"neutral","sentiment_score":0.14369213581085205}],"sentiment":"neutral","sentiment_score":0.14369213581085205,"channel":1,"num_words":1,"start":25.455,"end":25.955},{"sentences":[{"text":"Fantastic.","start":26.515,"end":27.015,"sentiment":"positive","sentiment_score":0.3867487907409668},{"text":"And just to do security there with you as well, just because we are discussing your personal information, I just need to confirm your full name, your date of birth, and address I should have on file here for","start":27.074999,"end":34.98,"sentiment":"neutral","sentiment_score":0.15369377514490715}],"sentiment":"neutral","sentiment_score":0.15952015053480864,"channel":0,"num_words":40,"start":26.515,"end":34.98},{"sentences":[{"text":"Yep.","start":34.91,"end":35.41,"sentiment":"neutral","sentiment_score":0.08779102563858032}],"sentiment":"neutral","sentiment_score":0.08779102563858032,"channel":1,"num_words":1,"start":34.91,"end":35.41},{"sentences":[{"text":"you.","start":34.98,"end":35.48,"sentiment":"neutral","sentiment_score":0.06528745591640472}],"sentiment":"neutral","sentiment_score":0.06528745591640472,"channel":0,"num_words":1,"start":34.98,"end":35.48},{"sentences":[{"text":"Alright.","start":35.71,"end":35.95,"sentiment":"neutral","sentiment_score":0.05547385662794113},{"text":"So it's Bethan Dins.","start":35.95,"end":37.09,"sentiment":"neutral","sentiment_score":0.048616751097142696}],"sentiment":"neutral","sentiment_score":0.049988172203302386,"channel":1,"num_words":5,"start":35.71,"end":37.09},{"sentences":[{"text":"Yep.","start":37.54,"end":38.04,"sentiment":"neutral","sentiment_score":0.03598557040095329}],"sentiment":"neutral","sentiment_score":0.03598557040095329,"channel":0,"num_words":1,"start":37.54,"end":38.04},{"sentences":[{"text":"Date of birth, twenty fourth of the fourth ninety eight, and address","start":37.63,"end":40.59,"sentiment":"neutral","sentiment_score":0.04630244942381978}],"sentiment":"neutral","sentiment_score":0.04630244942381978,"channel":1,"num_words":12,"start":37.63,"end":40.59},{"sentences":[{"text":"Yep.","start":40.58,"end":41.08,"sentiment":"neutral","sentiment_score":0.048118706792593}],"sentiment":"neutral","sentiment_score":0.048118706792593,"channel":0,"num_words":1,"start":40.58,"end":41.08},{"sentences":[{"text":"is 21 Macclesfield Road, Emerald, Victoria 3782.","start":40.59,"end":45.815002,"sentiment":"neutral","sentiment_score":0.05423726035015924}],"sentiment":"neutral","sentiment_score":0.05423726035015924,"channel":1,"num_words":7,"start":40.59,"end":45.815002},{"sentences":[{"text":"Lovely.","start":46.085,"end":46.565,"sentiment":"positive","sentiment_score":0.3626872599124909},{"text":"Thank you so much for that.","start":46.565,"end":48.184998,"sentiment":"positive","sentiment_score":0.4649686465660731},{"text":"Bethan, do you happen to have access to your emails at the moment?","start":48.324997,"end":51.445,"sentiment":"neutral","sentiment_score":0.09513745571558292},{"text":"If you don't, that's absolutely fine.","start":51.445,"end":53.385,"sentiment":"neutral","sentiment_score":0.01926302242403229}],"sentiment":"neutral","sentiment_score":0.17326400762137312,"channel":0,"num_words":26,"start":46.085,"end":53.385},{"sentences":[{"text":"No.","start":53.635002,"end":53.875,"sentiment":"neutral","sentiment_score":-0.0327010340988636},{"text":"I have access.","start":53.875,"end":54.595,"sentiment":"neutral","sentiment_score":-0.01741582031051318},{"text":"That's fine.","start":54.595,"end":55.335003,"sentiment":"neutral","sentiment_score":0.009800523053854704}],"sentiment":"neutral","sentiment_score":-0.010891241487115622,"channel":1,"num_words":6,"start":53.635002,"end":55.335003},{"sentences":[{"text":"You do?","start":55.125,"end":55.765,"sentiment":"neutral","sentiment_score":0.0362451346591115},{"text":"Fantastic.","start":55.765,"end":56.265,"sentiment":"neutral","sentiment_score":0.3223065733909607},{"text":"I'm just gonna send through this one to you once it comes","start":56.484997,"end":59.65,"sentiment":"neutral","sentiment_score":0.1915513500571251}],"sentiment":"neutral","sentiment_score":0.17956086955964565,"channel":0,"num_words":15,"start":55.125,"end":59.65},{"sentences":[{"text":"Yes.","start":59.39,"end":59.89,"sentiment":"neutral","sentiment_score":0.10292056202888487}],"sentiment":"neutral","sentiment_score":0.10292056202888487,"channel":1,"num_words":1,"start":59.39,"end":59.89},{"sentences":[{"text":"through.","start":59.65,"end":59.81,"sentiment":"neutral","sentiment_score":0.08163128793239594},{"text":"If you could open up the document there.","start":59.81,"end":61.25,"sentiment":"neutral","sentiment_score":0.09726065210998058},{"text":"We're just looking at the statement of advice, which should be the first document in the email there, and I'll take you through these updated recommendations.","start":61.25,"end":67.91,"sentiment":"neutral","sentiment_score":0.15090790677529115},{"text":"Okay.","start":68.69,"end":69.19,"sentiment":"neutral","sentiment_score":0.17216430604457855},{"text":"Fantastic.","start":70.69,"end":71.19,"sentiment":"neutral","sentiment_score":0.2926882207393646}],"sentiment":"neutral","sentiment_score":0.14184255696631767,"channel":0,"num_words":37,"start":59.65,"end":71.19},{"sentences":[{"text":"And how's your day been so far?","start":71.41,"end":73.11,"sentiment":"neutral","sentiment_score":0.17515182069369725}],"sentiment":"neutral","sentiment_score":0.17515182069369725,"channel":0,"num_words":7,"start":71.41,"end":73.11},{"sentences":[{"text":"Yeah.","start":73.665,"end":74.145,"sentiment":"neutral","sentiment_score":0.13193032145500183},{"text":"Good.","start":74.145,"end":74.385,"sentiment":"neutral","sentiment_score":0.19396178424358368},{"text":"Thank you.","start":74.385,"end":74.945,"sentiment":"neutral","sentiment_score":0.17468435317277908},{"text":"Yours?","start":74.945,"end":75.445,"sentiment":"neutral","sentiment_score":0.12506815791130066}],"sentiment":"neutral","sentiment_score":0.16006579399108886,"channel":1,"num_words":5,"start":73.665,"end":75.445},{"sentences":[{"text":"Yeah.","start":75.935,"end":76.255,"sentiment":"neutral","sentiment_score":0.09856631606817244},{"text":"Good.","start":76.255,"end":76.575,"sentiment":"neutral","sentiment_score":0.1618795096874237},{"text":"Busy.","start":76.575,"end":76.975,"sentiment":"neutral","sentiment_score":0.12678822875022888},{"text":"But that's okay.","start":76.975,"end":77.695,"sentiment":"neutral","sentiment_score":0.11069182554880778},{"text":"We like it that 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sure we we do regular reviews with you as well.","start":1044.8099,"end":1047.7899,"sentiment":"neutral","sentiment_score":0.16922410035675223},{"text":"Did you want me to do a catch up in maybe six months just to kind of look at how things are tracking and see where where changes might be updated in your life?","start":1048.09,"end":1055.935,"sentiment":"neutral","sentiment_score":0.09910718548823805}],"sentiment":"neutral","sentiment_score":0.11624687578943041,"channel":0,"num_words":45,"start":1044.8099,"end":1055.935},{"sentences":[{"text":"Yeah.","start":1056.26,"end":1056.58,"sentiment":"neutral","sentiment_score":0.18465003371238708},{"text":"That sounds 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months.","start":1062.9551,"end":1064.8899,"sentiment":"neutral","sentiment_score":0.13933330898483595}],"sentiment":"neutral","sentiment_score":0.21781178812185922,"channel":0,"num_words":24,"start":1057.8351,"end":1064.8899},{"sentences":[{"text":"If you wanna take some time to have a bit of a look through the document, run your eyes over the advantages, disadvantages, and risks, and the alternatives there as well.","start":1065.09,"end":1072.61,"sentiment":"neutral","sentiment_score":0.1761804174992346},{"text":"Feel free to let me know if there are any additional questions.","start":1072.61,"end":1075.19,"sentiment":"neutral","sentiment_score":0.2247268222272396}],"sentiment":"neutral","sentiment_score":0.1897282513768174,"channel":0,"num_words":43,"start":1065.09,"end":1075.19},{"sentences":[{"text":"Mhmm.","start":1075.9299,"end":1076.4299,"sentiment":"neutral","sentiment_score":0.19244694709777832}],"sentiment":"neutral","sentiment_score":0.19244694709777832,"channel":1,"num_words":1,"start":1075.9299,"end":1076.4299},{"sentences":[{"text":"More than happy to go through it or answer anything else that you might have there.","start":1075.97,"end":1079.59,"sentiment":"positive","sentiment_score":0.5394966434687376},{"text":"We do outline the fee structure on the back end, and there's no implementation fee for this.","start":1079.6749,"end":1084.635,"sentiment":"neutral","sentiment_score":0.25034280559595895},{"text":"It's all part of our ongoing services.","start":1084.635,"end":1086.655,"sentiment":"positive","sentiment_score":0.37516205332108904},{"text":"And with your insurance premiums, we do just have to also let you know we do receive commission from the insurers for writing these policies.","start":1087.355,"end":1095.74,"sentiment":"neutral","sentiment_score":0.05432949900627136},{"text":"So it's not paid by you in any way, shape, or form.","start":1095.8,"end":1098.52,"sentiment":"neutral","sentiment_score":0.029987367956588667}],"sentiment":"neutral","sentiment_score":0.22379213317551397,"channel":0,"num_words":77,"start":1075.97,"end":1098.52},{"sentences":[{"text":"It's just provided paid to us by the insurer.","start":1098.52,"end":1101.42,"sentiment":"neutral","sentiment_score":0.11357694119215012},{"text":"We do receive 66% of the first year's premium with two 22% ongoing thereafter.","start":1101.9601,"end":1107.42,"sentiment":"neutral","sentiment_score":0.23413671659571783},{"text":"That is what just led us across the board.","start":1108.215,"end":1110.135,"sentiment":"neutral","sentiment_score":0.2612980571058061},{"text":"So it has no impact on our recommendations.","start":1110.135,"end":1112.875,"sentiment":"neutral","sentiment_score":0.14253578707575798},{"text":"It's all just about making sure the advice is in your best interest in working towards your goals and making sure we disclose everything so you can make a an informed decision on how you wanna proceed.","start":1113.1749,"end":1124.12,"sentiment":"neutral","sentiment_score":0.309397531925021}],"sentiment":"neutral","sentiment_score":0.24986732460848696,"channel":0,"num_words":77,"start":1098.52,"end":1124.12},{"sentences":[{"text":"Yep.","start":1124.6151,"end":1125.1151,"sentiment":"neutral","sentiment_score":0.2994266748428345},{"text":"Sounds 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look","start":1138.7899,"end":1143.4299,"sentiment":"neutral","sentiment_score":-0.04181944988667965}],"sentiment":"neutral","sentiment_score":-0.03784273489792314,"channel":1,"num_words":18,"start":1138.1499,"end":1143.4299},{"sentences":[{"text":"No.","start":1143.255,"end":1143.755,"sentiment":"neutral","sentiment_score":-0.13740713894367218}],"sentiment":"neutral","sentiment_score":-0.13740713894367218,"channel":0,"num_words":1,"start":1143.255,"end":1143.755},{"sentences":[{"text":"over it now?","start":1143.4299,"end":1144.1499,"sentiment":"neutral","sentiment_score":-0.12201004475355148},{"text":"Yeah?","start":1144.1499,"end":1144.6499,"sentiment":"neutral","sentiment_score":0.008431227877736092}],"sentiment":"neutral","sentiment_score":-0.08939972659572959,"channel":1,"num_words":4,"start":1143.4299,"end":1144.6499},{"sentences":[{"text":"Absolutely.","start":1144.455,"end":1144.955,"sentiment":"neutral","sentiment_score":0.11693211644887924},{"text":"Yeah.","start":1145.415,"end":1145.655,"sentiment":"neutral","sentiment_score":0.05663628131151199},{"text":"No.","start":1145.655,"end":1145.895,"sentiment":"neutral","sentiment_score":-0.0009560361504554749},{"text":"So that's why we date the document for today's date because the document is valid for sixty days.","start":1145.895,"end":1150.7,"sentiment":"neutral","sentiment_score":0.026265938766300678},{"text":"So you're welcome","start":1150.7,"end":1151.4199,"sentiment":"neutral","sentiment_score":0.2035530060529709}],"sentiment":"neutral","sentiment_score":0.052335761565094195,"channel":0,"num_words":24,"start":1144.455,"end":1151.4199},{"sentences":[{"text":"Yeah.","start":1151.205,"end":1151.365,"sentiment":"neutral","sentiment_score":0.1895534098148346},{"text":"Alright.","start":1151.365,"end":1151.865,"sentiment":"neutral","sentiment_score":0.20146362483501432}],"sentiment":"neutral","sentiment_score":0.19550851732492447,"channel":1,"num_words":2,"start":1151.205,"end":1151.865},{"sentences":[{"text":"to run your eyes over.","start":1151.4199,"end":1152.46,"sentiment":"neutral","sentiment_score":0.1711384803056717},{"text":"Take your time.","start":1152.46,"end":1153.0199,"sentiment":"neutral","sentiment_score":0.21828608214855194},{"text":"There's no pressure whatsoever.","start":1153.0199,"end":1154.3999,"sentiment":"neutral","sentiment_score":0.11218301579356194},{"text":"The 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have.","start":1160.715,"end":1167.355,"sentiment":"neutral","sentiment_score":0.20555415117379391},{"text":"And even when you are comfortable with that, we'll just get you to sign and return it all back for us.","start":1167.355,"end":1172.015,"sentiment":"neutral","sentiment_score":0.14374348201922008}],"sentiment":"neutral","sentiment_score":0.16541893846249278,"channel":0,"num_words":79,"start":1155.1,"end":1172.015},{"sentences":[{"text":"Yeah.","start":1172.37,"end":1172.625,"sentiment":"neutral","sentiment_score":0.020312609151005745}],"sentiment":"neutral","sentiment_score":0.020312609151005745,"channel":1,"num_words":1,"start":1172.37,"end":1172.625},{"sentences":[{"text":"If you do find there's any part of the advice you don't wish to proceed with, on the very back page, the authority to proceed, there is actually a line and we have a text box there.","start":1172.395,"end":1183.24,"sentiment":"neutral","sentiment_score":-0.0815167864029472},{"text":"So you're welcome to write in there if there's something you do choose not to take on board.","start":1183.24,"end":1187.74,"sentiment":"neutral","sentiment_score":-0.03049871325492859},{"text":"Okay?","start":1187.8,"end":1188.3,"sentiment":"neutral","sentiment_score":0.040552906692028046}],"sentiment":"neutral","sentiment_score":-0.06293830408581666,"channel":0,"num_words":56,"start":1172.395,"end":1188.3},{"sentences":[{"text":"Cool.","start":1188.18,"end":1188.68,"sentiment":"neutral","sentiment_score":0.22128036618232727},{"text":"Yep.","start":1188.8201,"end":1189.2201,"sentiment":"neutral","sentiment_score":0.14319026470184326},{"text":"Sounds","start":1189.2201,"end":1189.4601,"sentiment":"neutral","sentiment_score":0.18170806765556335}],"sentiment":"neutral","sentiment_score":0.1820595661799113,"channel":1,"num_words":3,"start":1188.18,"end":1189.4601},{"sentences":[{"text":"Yeah.","start":1189.32,"end":1189.82,"sentiment":"neutral","sentiment_score":0.23696684837341309}],"sentiment":"neutral","sentiment_score":0.23696684837341309,"channel":0,"num_words":1,"start":1189.32,"end":1189.82},{"sentences":[{"text":"good.","start":1189.4601,"end":1189.9601,"sentiment":"neutral","sentiment_score":0.031247923150658607}],"sentiment":"neutral","sentiment_score":0.031247923150658607,"channel":1,"num_words":1,"start":1189.4601,"end":1189.9601},{"sentences":[{"text":"Aussie, do you have any plans for the afternoon or just the rest of one?","start":1190.4551,"end":1193.755,"sentiment":"neutral","sentiment_score":0.10681849295894305}],"sentiment":"neutral","sentiment_score":0.10681849295894305,"channel":0,"num_words":15,"start":1190.4551,"end":1193.755},{"sentences":[{"text":"Yeah.","start":1194.18,"end":1194.5801,"sentiment":"neutral","sentiment_score":0.21636389195919037},{"text":"Just just chilling today.","start":1194.5801,"end":1196.1201,"sentiment":"positive","sentiment_score":0.41966356337070465}],"sentiment":"positive","sentiment_score":0.3790036290884018,"channel":1,"num_words":5,"start":1194.18,"end":1196.1201},{"sentences":[{"text":"I like that.","start":1196.6151,"end":1197.3351,"sentiment":"positive","sentiment_score":0.7881271243095398},{"text":"Enjoy the sunshine while you have it.","start":1197.3351,"end":1199.3551,"sentiment":"positive","sentiment_score":0.7315760084560939}],"sentiment":"positive","sentiment_score":0.7485413432121277,"channel":0,"num_words":10,"start":1196.6151,"end":1199.3551},{"sentences":[{"text":"Yeah.","start":1199.54,"end":1200.04,"sentiment":"positive","sentiment_score":0.3798899054527282},{"text":"Okay.","start":1202.0751,"end":1202.5751,"sentiment":"positive","sentiment_score":0.44669169187545776}],"sentiment":"positive","sentiment_score":0.413290798664093,"channel":1,"num_words":2,"start":1199.54,"end":1202.5751},{"sentences":[{"text":"All good.","start":1202.3099,"end":1202.5499,"sentiment":"positive","sentiment_score":0.6335212886333466},{"text":"Well, thank you so much for your time.","start":1202.5499,"end":1204.3899,"sentiment":"positive","sentiment_score":0.7863224595785141},{"text":"I really appreciate you taking my call today.","start":1204.3899,"end":1206.71,"sentiment":"positive","sentiment_score":0.8559848666191101},{"text":"I'll let you","start":1206.71,"end":1207.19,"sentiment":"positive","sentiment_score":0.5844886501630148}],"sentiment":"positive","sentiment_score":0.7694746255874634,"channel":0,"num_words":21,"start":1202.3099,"end":1207.19},{"sentences":[{"text":"Beautiful.","start":1207.115,"end":1207.615,"sentiment":"positive","sentiment_score":0.46092283725738525}],"sentiment":"positive","sentiment_score":0.46092283725738525,"channel":1,"num_words":1,"start":1207.115,"end":1207.615},{"sentences":[{"text":"go to review everything, and let me know if there's anything you need in the meantime.","start":1207.19,"end":1210.57,"sentiment":"positive","sentiment_score":0.5264764446765184}],"sentiment":"positive","sentiment_score":0.5264764446765184,"channel":0,"num_words":16,"start":1207.19,"end":1210.57},{"sentences":[{"text":"Thank you very much.","start":1211.515,"end":1212.655,"sentiment":"positive","sentiment_score":0.8064552396535873}],"sentiment":"positive","sentiment_score":0.8064552396535873,"channel":1,"num_words":4,"start":1211.515,"end":1212.655},{"sentences":[{"text":"My pleasure.","start":1212.95,"end":1213.59,"sentiment":"positive","sentiment_score":0.8273137807846069},{"text":"Enjoy your afternoon.","start":1213.59,"end":1214.6499,"sentiment":"positive","sentiment_score":0.7770102818806967},{"text":"Thank you.","start":1214.7899,"end":1215.5299,"sentiment":"positive","sentiment_score":0.7483942806720734}],"sentiment":"positive","sentiment_score":0.7832067097936358,"channel":0,"num_words":7,"start":1212.95,"end":1215.5299},{"sentences":[{"text":"And see you.","start":1215.1951,"end":1215.755,"sentiment":"positive","sentiment_score":0.5453748106956482},{"text":"Bye.","start":1215.755,"end":1216.255,"sentiment":"neutral","sentiment_score":0.32863956689834595}],"sentiment":"positive","sentiment_score":0.49119099974632263,"channel":1,"num_words":4,"start":1215.1951,"end":1216.255},{"sentences":[{"text":"See you later.","start":1216.3899,"end":1217.2899,"sentiment":"neutral","sentiment_score":0.1917288973927498}],"sentiment":"neutral","sentiment_score":0.1917288973927498,"channel":0,"num_words":3,"start":1216.3899,"end":1217.2899}]},"summary":{"result":"success","short":"Representatives from Okie Financial speak with Bethan Dins about her retirement goals and income protection with the iShares SMA product. The product provides benefits for investment and retirement, including lower risk and more investment options. Bethan is advised to keep her within Hub 24 to allow for more growth and returns. The admin fees increase slightly but the newer portfolio is cheaper. The speaker emphasizes the importance of evolving the investment and making it successful for the customer. The agent provides information on the process for preassurance and offers to review Bethan's portfolio every year to ensure coverage is working for her. The agent reminds Bethan that she will receive commission from insurers for writing policies and provides information on authority to proceed."},"intents":{"segments":[{"text":"Oh, that is Is it so odd. is it really cold down there at the moment? So it is.","start_word":266,"end_word":284,"intents":[{"intent":"Request clarification","confidence_score":0.0006195137}]},{"text":"So with this one here on the front, you'll see the Ophi Financial statement of advice, and it has been prepared for yourself as of the June 11. We put today's date, which is the presentation date there for you. So you do have sixty days to review the document to decide whether you wanna take on the recommendations or not. Mhmm.","start_word":352,"end_word":413,"intents":[{"intent":"Evaluate financial recommendations","confidence_score":0.0018066309}]},{"text":"To make this a bit easier on you, I will let you go back and definitely have a review of all the pages and reach you with the advice prior to accepting it. But to make it a bit easier, just so we can go through the recommendations that we've made there for you, if I can get you to scroll down for me, essentially, to page number so sorry. There we go. Page number 19 for me.","start_word":765,"end_word":842,"intents":[{"intent":"Review pages","confidence_score":0.0044268183}]},{"text":"With Mhmm.","start_word":958,"end_word":959,"intents":[{"intent":"Get recommendations for ishares product","confidence_score":0.000001215823}]},{"text":"I am recommending in order to make sure that your super continues to work harder for you is to keep you within Hub twenty four because it is a great product.","start_word":1044,"end_word":1074,"intents":[{"intent":"Recommend keeping within hub twenty four","confidence_score":0.3413972}]},{"text":"But to move you from the Discover to the Choice product, essentially, Discover only has a couple of different options to invest in. It's meant to be a low cost, simple product that is there to kind of build super up.","start_word":1095,"end_word":1135,"intents":[{"intent":"Promote choice product and its benefits","confidence_score":0.0035174976}]},{"text":"Now we just wanna keep it working harder and try to get some additional growth. That way, it can compound a bit faster for you and grow towards your goals at the age of 67. Does that make sense? Yeah.","start_word":1193,"end_word":1232,"intents":[{"intent":"Support growth and investment in portfolios","confidence_score":0.000027534114},{"intent":"Maintain growth and growth","confidence_score":0.009107315}]},{"text":"So move you out of the iShares SMA product and into a new diversified portfolio, which if you have a look at the bottom of that table there, the old the older sort of iShares product over the past five years has averaged about 9.61%, which is great, but the newer investment portfolio has had a greater past performance.","start_word":1285,"end_word":1343,"intents":[{"intent":"Move away from ishares sma product and into diversified portfolio","confidence_score":0.0027925759}]},{"text":"So when we utilize what's been happening in the past five years with this sort of a portfolio, we can see and expect that in the future, we should be able to get greater returns moving forward.","start_word":1344,"end_word":1380,"intents":[{"intent":"Ensure greater returns and enhance investment","confidence_score":0.000009449405}]},{"text":"So with the difference in the fees, because it's really important that we kinda go through that with you, the admin fees there, they do increase a little bit by about a $158, but the newer portfolio is also cheaper. So it saves you about Mhmm. a $106 in investment fees.","start_word":1423,"end_word":1473,"intents":[{"intent":"Clarify fee amount","confidence_score":0.04025722}]},{"text":"So with the difference in the fees, because it's really important that we kinda go through that with you, the admin fees there, they do increase a little bit by about a $158, but the newer portfolio is also cheaper. So it saves you about Mhmm. a $106 in investment fees. And moving Yep.","start_word":1423,"end_word":1476,"intents":[{"intent":"Clarify fees","confidence_score":0.13457063},{"intent":"Maintain service fee","confidence_score":0.029285485},{"intent":"Clarify application of fees","confidence_score":0.00007998787}]},{"text":"moving forward will require a little bit more in the way of maintenance and ongoing service and updating the advice. We wanna make sure that, obviously, there is a point where Affley has to turn on. So I just wanted to make sure I'm open and honest with you about that. Okay? Yeah.","start_word":1709,"end_word":1761,"intents":[{"intent":"Expedite advice","confidence_score":0.0010268687}]},{"text":"If you go just above the two pages, you'll see the investment table.","start_word":1766,"end_word":1778,"intents":[{"intent":"Clarify investment table","confidence_score":0.020904051}]},{"text":"So we'll move you out of the iShares enhanced strategic aggressive portfolio there and move you into what's been noted below here.","start_word":1797,"end_word":1818,"intents":[{"intent":"Manage portfolio portfolios","confidence_score":0.00053096}]},{"text":"We'll still keep a bit of cash with Hub twenty four. We do need to keep 1.25% cash in there, so we expect about $753 to be held in cash once the portfolio has been altered. Mhmm.","start_word":2197,"end_word":2233,"intents":[{"intent":"Monitor portfolio updates","confidence_score":0.00018770884}]},{"text":"So we are recommending that we just increase your income protection so that you do have that monthly benefit that covers up to 70% of your income if in the event that you're off work due to illness or injury. That essentially Mhmm.","start_word":2538,"end_word":2580,"intents":[{"intent":"Recommend increases in income protection","confidence_score":0.0055028736},{"intent":"State benefits of income protection","confidence_score":0.00020063484},{"intent":"Introduce additional coverage","confidence_score":0.000056437308}]},{"text":"I'm having a look at your pre assessment there. There was no major changes to reflect, so going through the application should be a very, very simple process for you. Essentially, Mhmm.","start_word":2656,"end_word":2687,"intents":[{"intent":"Explain application process","confidence_score":0.2641171}]},{"text":"We did a bit of a pre assessment late late last year with you, and there's really nothing there that flags that would require any loadings or exclusions to be added to the policy unless Mhmm.","start_word":2783,"end_word":2818,"intents":[{"intent":"Explain policy changes","confidence_score":0.028607652}]},{"text":"there's any been any major changes in your health in the last few months there. But it sounds like you're nice and healthy and look after yourself really well, so I don't foresee any major issues. Yeah. Yep.","start_word":2819,"end_word":2856,"intents":[{"intent":"Confirm health status","confidence_score":0.031641982}]},{"text":"But it's about making sure that we review those insurances every year to make sure as, you know, essentially, as you get older, those insurance premiums are gonna get more and more expensive. So being Okay.","start_word":3033,"end_word":3068,"intents":[{"intent":"Review insurances","confidence_score":0.040725864}]},{"text":"able to review those every year just means that we can keep the insurances in line with your goals and your needs, but also trying to make sure they don't eat away all of your super at the same time. Yeah.","start_word":3069,"end_word":3109,"intents":[{"intent":"Review contributions","confidence_score":0.2616443}]},{"text":"I'm I'm hoping to Sure. start a family in the next twelve months, and, obviously, that involves Yeah.","start_word":3135,"end_word":3152,"intents":[{"intent":"Start family","confidence_score":0.2348033}]},{"text":"Is there any impact there to my my contribution with, obviously, less income for twelve months?","start_word":3158,"end_word":3173,"intents":[{"intent":"Monitor impact","confidence_score":0.0003172607}]},{"text":"do that as part of the annual review every year as well anyway. But, yeah, just just dropping work for twelve months, it shouldn't while your contributions will stop for that point in time, it shouldn't have too great an impact. You'll still be receiving Yeah. the growth in the income. We still want that to work within the portfolio for you as well. Yeah.","start_word":3309,"end_word":3373,"intents":[{"intent":"Review portfolio performance","confidence_score":0.003099058}]}]},"sentiments":{"segments":[{"text":"Hello? Hi. This is Dana from Okie Financial. How are you this afternoon?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.1512070894241333},{"text":"Good. Thank you.","start_word":13,"end_word":15,"sentiment":"positive","sentiment_score":0.4953014552593231},{"text":"How are you?","start_word":16,"end_word":18,"sentiment":"neutral","sentiment_score":0.30024033784866333},{"text":"Very well. Thank you.","start_word":19,"end_word":22,"sentiment":"positive","sentiment_score":0.5329341888427734},{"text":"I have you booked in just to go through an updated statement of of advice this afternoon. Is now still a good time there for you? Yeah. That's fine.","start_word":23,"end_word":51,"sentiment":"neutral","sentiment_score":0.2662866413593292},{"text":"Fantastic.","start_word":52,"end_word":52,"sentiment":"positive","sentiment_score":0.6441205739974976},{"text":"Just before we jump into the call there, I do need to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Yep.","start_word":53,"end_word":87,"sentiment":"neutral","sentiment_score":0.19296355545520785},{"text":"Fantastic.","start_word":88,"end_word":88,"sentiment":"positive","sentiment_score":0.3867487907409668},{"text":"And just to do security there with you as well, just because we are discussing your personal information, I just need to confirm your full name, your date of birth, and address I should have on file here for Yep. you. Alright. So it's Bethan Dins. Yep. Date of birth, twenty fourth of the fourth ninety eight, and address Yep. is 21 Macclesfield Road, Emerald, Victoria 3782.","start_word":89,"end_word":155,"sentiment":"neutral","sentiment_score":0.09814967960119247},{"text":"Lovely. Thank you so much for that.","start_word":156,"end_word":162,"sentiment":"positive","sentiment_score":0.44149744510650635},{"text":"Bethan, do you happen to have access to your emails at the moment? If you don't, that's absolutely fine. No. I have access. That's fine. You do? Fantastic. I'm just gonna send through this one to you once it comes Yes. through. If you could open up the document there. We're just looking at the statement of advice, which should be the first document in the email there, and I'll take you through these updated recommendations. Okay. Fantastic. And how's your day been so far? Yeah. Good. Thank you. Yours? Yeah. Good. Busy. But that's okay. We like it that way. It's okay. Oh, that is Is it so odd. is it really cold down there at the moment? So it is. Oh, yeah. Because Yeah. that Melbourne weather. Ew. Yeah. I'm a bit weak up here in Queensland. We have the Gold Coast winters, and that's not as bad as yours. So No. At least we've got a bit of sun today, but it is cold. oh, that is good.","start_word":163,"end_word":333,"sentiment":"neutral","sentiment_score":0.06805615872144699},{"text":"That is so good.","start_word":334,"end_word":337,"sentiment":"positive","sentiment_score":0.49860048294067383},{"text":"Has that email popped through there to you at all? Yes.","start_word":338,"end_word":348,"sentiment":"neutral","sentiment_score":0.06303277611732483},{"text":"It has. Fantastic.","start_word":349,"end_word":351,"sentiment":"positive","sentiment_score":0.5688455700874329},{"text":"So with this one here on the front, you'll see the Ophi Financial statement of advice, and it has been prepared for yourself as of the June 11. We put today's date, which is the presentation date there for you. So you do have sixty days to review the document to decide whether you wanna take on the recommendations or not. Mhmm. At the very bottom of the document there, it does also have my representative number. So I'm licensed through Affic, and my registration number's 1304394. Okay. Yep. Yep.","start_word":352,"end_word":441,"sentiment":"neutral","sentiment_score":0.16609269380569458},{"text":"Fantastic.","start_word":442,"end_word":442,"sentiment":"positive","sentiment_score":0.6149375438690186},{"text":"As you are sort of scrolling through the first few pages there, it does note the scope of the advice. So last time we caught up, you wanted to look at the wanted us to sort of have a look and see if you were on track to meet your goals. You were hoping to sort of retire around about age 67 at the time. Do you still think that's sort of the goal age? Or Yes. Yeah. yeah. Yes. That's okay. And you were hoping to, at the time, living on about $1,000 a week per sorry, per week of income in retirement there, that could definitely change. You still got a lot of time between now to then. That's Mhmm. just the goal we're working on for the moment there for you. Okay? Okay. Yep. With your income protection, you were happy with the licensed EPDs and bonus that you did have, but your income your income protection was a bit underinsured there. So you did wanna look at increasing that slightly. So we have received an updated quote there for you and are looking to increase that, and I'll show you the effect. Okay? Areas that we've sketched out for the advice is your life with CBD. We're happy not to to keep those as they were and didn't wanna take any additional recommendations around trauma, so they are spread out of the advice. And you were also saving the purchase a new car. Have you managed to do that yet, or are you still saving? Mhmm. No. I've I've purchased it last year.","start_word":443,"end_word":709,"sentiment":"neutral","sentiment_score":0.08502720463811682},{"text":"Oh, fantastic.","start_word":710,"end_word":711,"sentiment":"positive","sentiment_score":0.6610944271087646},{"text":"It was a Mitsubishi ASX you were after? Yeah. Yeah. I've got I've I've Yes. got one, which is Oh, good.","start_word":712,"end_word":732,"sentiment":"neutral","sentiment_score":0.1616828441619873},{"text":"fantastic.","start_word":733,"end_word":733,"sentiment":"positive","sentiment_score":0.6736733317375183},{"text":"Is it everything you thought it was gonna be?","start_word":734,"end_word":742,"sentiment":"neutral","sentiment_score":0.3225616216659546},{"text":"It is. I love it. It's definitely Yes. an upgrade from what I had. Fantastic. That is so, so good to see.","start_word":743,"end_word":764,"sentiment":"positive","sentiment_score":0.6014845967292786},{"text":"To make this a bit easier on you, I will let you go back and definitely have a review of all the pages and reach you with the advice prior to accepting it. But to make it a bit easier, just so we can go through the recommendations that we've made there for you, if I can get you to scroll down for me, essentially, to page number so sorry. There we go. Page number 19 for me. Yep.","start_word":765,"end_word":843,"sentiment":"neutral","sentiment_score":0.18800805509090424},{"text":"Perfect.","start_word":844,"end_word":844,"sentiment":"positive","sentiment_score":0.4090873301029206},{"text":"So when you came on board originally, you did have a much of a smaller balance there. So we had put you into the hub 24 discover, and then you and you were sent into the iShares SMA to be able to build your balance up. The goal moving forward for that was once your balance hit a certain target or was high enough to be able to move you into a more elaborate product, so a product that had a lot more options of investments that could provide a greater level of return and help to grow your funds even more. That that was essentially what we wanted to try and do. With Mhmm.","start_word":845,"end_word":959,"sentiment":"neutral","sentiment_score":0.24009746313095093},{"text":"the iShares product there, we've kinda gone back and had a really good look at how your super has been performing, the additional growth that you've seen.","start_word":960,"end_word":986,"sentiment":"positive","sentiment_score":0.3515644967556},{"text":"Hasn't been too bad at all. When I have a look at from inception, because you're in your third year now, over the past couple of years since 2024 in February, your portfolio has made a 30.","start_word":987,"end_word":1023,"sentiment":"neutral","sentiment_score":0.2555616497993469},{"text":"36 return since coming on board. So it has seen some really great additional growth there.","start_word":1023,"end_word":1038,"sentiment":"positive","sentiment_score":0.5095675587654114},{"text":"Mhmm. What I fixed.","start_word":1039,"end_word":1042,"sentiment":"neutral","sentiment_score":0.030460333451628685},{"text":"I am recommending in order to make sure that your super continues to work harder for you is to keep you within Hub twenty four because it is a great product. It is a great super fund, and there's no real need to change the the actual super fund at the moment.","start_word":1043,"end_word":1094,"sentiment":"positive","sentiment_score":0.4639278054237366},{"text":"But to move you from the Discover to the Choice product, essentially, Discover only has a couple of different options to invest in.","start_word":1095,"end_word":1117,"sentiment":"neutral","sentiment_score":0.14313271641731262},{"text":"It's meant to be a low cost, simple product that is there to kind of build super up.","start_word":1118,"end_word":1135,"sentiment":"positive","sentiment_score":0.35743796825408936},{"text":"The Choice product essentially allows us to invest in anywhere up to 1,178 different investment options. That's managed funds, exchange traded funds, and individual companies.","start_word":1136,"end_word":1160,"sentiment":"neutral","sentiment_score":0.21775567531585693},{"text":"So we can, like, build those portfolios that are working harder and trying to get greater potential returns down the track. So we've got your balance up to about 60 k now. Now we just wanna keep it working harder and try to get some additional growth. That way, it can compound a bit faster for you and grow towards your goals at the age of 67.","start_word":1161,"end_word":1227,"sentiment":"positive","sentiment_score":0.4081892967224121},{"text":"Does that make sense? Yeah.","start_word":1228,"end_word":1232,"sentiment":"neutral","sentiment_score":0.2266036719083786},{"text":"Sounds good.","start_word":1233,"end_word":1234,"sentiment":"positive","sentiment_score":0.4721550941467285},{"text":"Yeah. So with the change, it is very simple. There is no major rollovers or changes to make. This is the form that we get you to sign, and everything changes in the back end. And Mhmm. then once we complete that change of product, we're gonna move your investment. So move you out of the iShares SMA product and into a new diversified portfolio, which if you have a look at the bottom of that table there, the old the older sort of iShares product over the past five years has averaged about 9.61%, which is great, but the newer investment portfolio has had a greater past performance.","start_word":1235,"end_word":1343,"sentiment":"neutral","sentiment_score":0.13758642971515656},{"text":"So when we utilize what's been happening in the past five years with this sort of a portfolio, we can see and expect that in the future, we should be able to get greater returns moving forward. And that's what we want. We wanna make sure your returns aren't limited. We wanna keep evolving the the product, keep evolving the investment so that you're always making money and growing your super to the best that possibly can.","start_word":1344,"end_word":1420,"sentiment":"positive","sentiment_score":0.4130413234233856},{"text":"Okay? Okay. So with the difference in the fees, because it's really important that we kinda go through that with you, the admin fees there, they do increase a little bit by about a $158, but the newer portfolio is also cheaper. So it saves you about Mhmm. a $106 in investment fees. And moving Yep.","start_word":1421,"end_word":1476,"sentiment":"neutral","sentiment_score":0.16312910616397858},{"text":"forward, that compound effect could have a greater effect for you.","start_word":1477,"end_word":1487,"sentiment":"positive","sentiment_score":0.45548713207244873},{"text":"Yep. The ongoing service Mhmm. fee, we do have to turn that on. So I know for the past two years, we haven't charged an ongoing service fee, but we are gonna have to turn that on moving forward because this requires a lot more maintenance. And we wanna keep evolving the advice and working harder towards your goals there. Okay. Our ongoing service fee is 1.65% per annum, and it is deducted in smaller monthly increments. So, Mhmm. essentially, our ongoing service fee, it fluctuates with the market. So when the market is doing really well and your performance is much higher, it does mean that our fee does increase there with it as well. However, at times when market sees volatility and downtime, then our fee takes a bit of a dip there with it. So as a percentage, they see it fluctuates and goes up and down with the market. Does that make sense? Yeah. That's fine. That makes sense. Yeah.","start_word":1488,"end_word":1651,"sentiment":"neutral","sentiment_score":0.019525954499840736},{"text":"Perfect.","start_word":1652,"end_word":1652,"sentiment":"positive","sentiment_score":0.3892718553543091},{"text":"I just wanted to make sure I'm clarifying and make sure I'm open and honest with you as well because I sort of weighed up all the options.","start_word":1653,"end_word":1680,"sentiment":"neutral","sentiment_score":0.1914781630039215},{"text":"And this the portfolio has done really well, and not having that ongoing service takes the past two years has definitely been a benefit there.","start_word":1681,"end_word":1705,"sentiment":"positive","sentiment_score":0.3338078260421753},{"text":"But this Mhmm. moving forward will require a little bit more in the way of maintenance and ongoing service and updating the advice. We wanna make sure that, obviously, there is a point where Affley has to turn on. So I just wanted to make sure I'm open and honest with you about that. Okay? Yeah.","start_word":1706,"end_word":1761,"sentiment":"neutral","sentiment_score":0.03835337609052658},{"text":"Great. Thank you. Excellent.","start_word":1762,"end_word":1765,"sentiment":"positive","sentiment_score":0.5855252146720886},{"text":"If you go just above the two pages, you'll see the investment table. That's on page number eight 17 there for you, and you'll see Mhmm. the difference in the investment. So we'll move you out of the iShares enhanced strategic aggressive portfolio there and move you into what's been noted below here. So once we complete the switch, you'll have some investment in global cybersecurity. We'll have the European investment there, which gives you access to other 16 countries within Europe and a global diversified European portfolio. We'll have some investment in Japan. We've also got the Vanguard all world ex US. This is giving you exposure to the entire globe minus The US or the American market, and that's because we have the S and P 500 under here, which is a US exposure giving you access to the top 500 companies on The US market. So we have that in there as well. You've also got the beta shares a 200, which is giving you exposure to the top 200 companies on the ASX. They're giving you some Australian exposure and then some global physical gold as well. So this is gold bullion, which is held in a bank vault in London, believe it or not. And global that's essentially tracked the physical gold brass, and that has done phenomenal over the last couple of years.","start_word":1766,"end_word":1994,"sentiment":"neutral","sentiment_score":0.1151829374929703},{"text":"So having some physical gold in your portfolio is really great there as well.","start_word":1995,"end_word":2008,"sentiment":"positive","sentiment_score":0.4415553510189056},{"text":"Yep. And then because you are a growth investor, having some defensive investments like fixed interest and bonds and cash and things like that is important. So the iShares core composite bond is giving you access to a global sorry. Well, it gives you access to global, but it's mostly Australian held treasury and government bonds as well as Mhmm. some corporate bonds there as well. So bonds are low risk. They do tend to get a lower rate of return, but they're good for income producing.","start_word":2009,"end_word":2095,"sentiment":"neutral","sentiment_score":0.18324874341487885},{"text":"We wanna generate income from your portfolio as well, which can be re allocated back into this portfolio to help with that compounding effect.","start_word":2096,"end_word":2119,"sentiment":"positive","sentiment_score":0.3354475796222687},{"text":"Does that make sense? Yep. That makes sense.","start_word":2120,"end_word":2127,"sentiment":"neutral","sentiment_score":0.20788952708244324},{"text":"Yeah. Beautiful.","start_word":2128,"end_word":2129,"sentiment":"positive","sentiment_score":0.5382365584373474},{"text":"So that's essentially what you'll see your portfolio diversified into. I do go a little bit simpler on that one. If you wanted more information or maybe going even deeper, absolutely, because not everyone's that interested in the investment side of things. So Got did you it. Yeah. have any questions at the moment in relation to any of those? Yeah.","start_word":2130,"end_word":2190,"sentiment":"neutral","sentiment_score":0.09675514649172298},{"text":"That sounds all good. Yeah. Beautiful.","start_word":2191,"end_word":2196,"sentiment":"positive","sentiment_score":0.4561256468296051},{"text":"We'll still keep a bit of cash with Hub twenty four. We do need to keep 1.25% cash in there, so we expect about $753 to be held in cash once the portfolio has been altered. Mhmm. And we do understand there is a CGT effect. So whenever we do make changes to investments or within a portfolio, believe it or not, your Superfund, just like you, does a tax return every year. On that sheet comparison table on page number 19 there, you'll see the difference of $913. So, essentially, that's taking into account the CGT effect or the capital gains effect that Hub twenty four will have to take into account when they complete the investment switch. Does that make sense? Yep. Yeah.","start_word":2197,"end_word":2321,"sentiment":"neutral","sentiment_score":0.1038837879896164},{"text":"Beautiful. All in all, it's a much more diversified portfolio. It's definitely giving you access to greater potential returns there. It is reducing a bit of risk there as well, and also reducing the investment fees, which is, you know, really good.","start_word":2322,"end_word":2363,"sentiment":"positive","sentiment_score":0.6137993335723877},{"text":"When we kinda project the outcome or the the fee table, the outcome there for your fees, your insurance premiums, your contributions going in, and the past rolling average of the portfolio has been able to reduce over the next Mhmm. five to ten years, so we can sort of see and project that it should put you in a much greater position than where you are currently if you stay in the same portfolio. Does that make sense? Yep. That makes Yeah. Do you have any questions so far at all? sense. No. Not not with everything we've covered so far. I'm happy. No. Excellent. If you scroll down a little bit further to page number 21 there, this is just the assurances. The other kind of one, so you are happy with the life and CBD cover that you held. Essentially, your life cover has a current sum insured of 661,500 and the same with the Mhmm. TBD cover there. However, you will get underinsured with the income protection side of things. So we are recommending that we just increase your income protection so that you do have that monthly benefit that covers up to 70% of your income if in the event that you're off work due to illness or injury. That essentially Mhmm. means that we just need to increase your income protection, some insured, to $4,510 on a monthly basis. We still keep that waiting period of thirty days, still keep the benefit period of five years, and the insurance premium just goes up. The total premium for the year goes up from $14.47 to $15.39 there. So only a small increase to to bring up that income protection monthly benefit there for you. Okay? Okay. Easy. I'm having a look at your pre assessment there. There was no major changes to reflect, so going through the application should be a very, very simple process for you. Essentially, Mhmm. if you decide to take on those recommendations, how we'll kinda go through the process is we'll start just by altering the hub 24. So we're in the choice product there. We'll complete the investment switch, and then we'll book you in with one of our lovely admin team members who'll go through an increased application for your income protection. That then just goes back to the insurer. They'll do a quick underwriting assessment and then come back and offer the cover, and that'll all kinda go through fairly quickly there for you. You know? We did a bit of a pre assessment late late last year with you, and there's really nothing there that flags that would require any loadings or exclusions to be added to the policy unless Mhmm. there's any been any major changes in your health in the last few months there. But it sounds like you're nice and healthy and look after yourself really well, so I don't foresee any major issues. Yeah. Yep. Yep.","start_word":2364,"end_word":2857,"sentiment":"neutral","sentiment_score":0.1360083878764257},{"text":"Cool. All good.","start_word":2858,"end_word":2860,"sentiment":"positive","sentiment_score":0.4945487082004547},{"text":"Throughout that document there, we do outline the advantages, the disadvantages, the risks involved, any alternatives that I've researched and considered there for you as well. And on page number 22, we do also have a little table that shows you the difference in the projection table above, but also a consideration.","start_word":2861,"end_word":2912,"sentiment":"neutral","sentiment_score":0.17456720769405365},{"text":"If you had no insurances paid out of your super, over the next five to ten years, you could end up with a much greater level of a super so your super could grow even more.","start_word":2913,"end_word":2948,"sentiment":"positive","sentiment_score":0.497772216796875},{"text":"It's just sort of showing you that there is an impact on your retirement outcome when you do have insurances paid out of super, but that's kind of a funny one because we all wanna have a little bit of cover to look after and protect us in the event that something happens, and paying it out of that super is, you know, the best way to hold the cover. That way, we're not paying those premiums every year out of our back pocket. But it's about making sure that we review those insurances every year to make sure as, you know, essentially, as you get older, those insurance premiums are gonna get more and more expensive. So being Okay. able to review those every year just means that we can keep the insurances in line with your goals and your needs, but also trying to make sure they don't eat away all of your super at the same time. Yeah. Okay. Yep.","start_word":2949,"end_word":3111,"sentiment":"neutral","sentiment_score":0.14084464311599731},{"text":"All good.","start_word":3112,"end_word":3113,"sentiment":"positive","sentiment_score":0.54364013671875},{"text":"Do you have any questions or anything you kinda wanted me to go through? Or I did just have a question. I'm I'm hoping to Sure. start a family in the next twelve months, and, obviously, that involves Yeah. going on mat leave. Yeah. Is there any impact there to my my contribution with, obviously, less income for twelve months? Yeah. So if you're only planning on going with tender leave for twelve months, the the main kind of impact would just be the the contributions are gonna decrease for a bit of time, but we still wanna make sure the growth is there.","start_word":3114,"end_word":3217,"sentiment":"neutral","sentiment_score":-0.008042951114475727},{"text":"So the contributions that have been going in, the dividends that are being paid out of the investments will still get compounded and put back into the into the investment profile and can still provide decent growth.","start_word":3218,"end_word":3254,"sentiment":"positive","sentiment_score":0.38761216402053833},{"text":"So, realistically, the impact shouldn't be that great. Mhmm. If Yeah. you Of do course. decide to not go back to work or you have a bit longer than that twelve months, then I probably wanna reevaluate the portfolio a little bit just to make sure that it is working harder. But we'll Yeah. do that as part of the annual review every year as well anyway. But, yeah, just just dropping work for twelve months, it shouldn't while your contributions will stop for that point in time, it shouldn't have too great an impact. You'll still be receiving Yeah. the growth in the income. We still want that to work within the portfolio for you as well. Yeah. Yeah. Alright.","start_word":3255,"end_word":3375,"sentiment":"neutral","sentiment_score":0.018553253263235092},{"text":"Cool.","start_word":3376,"end_word":3376,"sentiment":"positive","sentiment_score":0.3626525104045868},{"text":"Oh, good. Are you actively trying for a baby or you're Yeah. Yeah. We are.","start_word":3377,"end_word":3391,"sentiment":"neutral","sentiment_score":0.13593478500843048},{"text":"oh, that's exciting. Well, good luck. I hope it all goes well. Let us know how you go.","start_word":3392,"end_word":3409,"sentiment":"positive","sentiment_score":0.5055127143859863},{"text":"Yeah. Thank We'll you. make sure we we do regular reviews with you as well. Did you want me to do a catch up in maybe six months just to kind of look at how things are tracking and see where where changes might be updated in your life? Yeah.","start_word":3410,"end_word":3459,"sentiment":"neutral","sentiment_score":0.13628903031349182},{"text":"That sounds good.","start_word":3460,"end_word":3462,"sentiment":"positive","sentiment_score":0.3410574793815613},{"text":"Yep.","start_word":3463,"end_word":3463,"sentiment":"neutral","sentiment_score":0.31826335191726685},{"text":"Fantastic. Beautiful.","start_word":3464,"end_word":3465,"sentiment":"positive","sentiment_score":0.6211128830909729},{"text":"Well, I'll make a little note there for you. One of my team will give you a call in six months. If you wanna take some time to have a bit of a look through the document, run your eyes over the advantages, disadvantages, and risks, and the alternatives there as well. Feel free to let me know if there are any additional questions. Mhmm.","start_word":3466,"end_word":3530,"sentiment":"neutral","sentiment_score":0.1827896684408188},{"text":"More than happy to go through it or answer anything else that you might have there.","start_word":3531,"end_word":3546,"sentiment":"positive","sentiment_score":0.5338965654373169},{"text":"We do outline the fee structure on the back end, and there's no implementation fee for this.","start_word":3547,"end_word":3563,"sentiment":"neutral","sentiment_score":0.2542993128299713},{"text":"It's all part of our ongoing services.","start_word":3564,"end_word":3570,"sentiment":"positive","sentiment_score":0.39574190974235535},{"text":"And with your insurance premiums, we do just have to also let you know we do receive commission from the insurers for writing these policies. So it's not paid by you in any way, shape, or form. It's just provided paid to us by the insurer. We do receive 66% of the first year's premium with two 22% ongoing thereafter. That is what just led us across the board. So it has no impact on our recommendations. It's all just about making sure the advice is in your best interest in working towards your goals and making sure we disclose everything so you can make a an informed decision on how you wanna proceed. Yep.","start_word":3571,"end_word":3685,"sentiment":"neutral","sentiment_score":0.18044519424438477},{"text":"Sounds good. Excellent. That is basically everything I needed to go through with you.","start_word":3686,"end_word":3699,"sentiment":"positive","sentiment_score":0.5055367946624756},{"text":"Is there anything you any other questions that might have popped up or any clarifications that you'd wanted additionally from any of this? No. That's alright. Do you need this signed, like, within, like, today, or can I have a look No. over it now? Yeah? Absolutely. Yeah. No. So that's why we date the document for today's date because the document is valid for sixty days. So you're welcome Yeah. Alright. to run your eyes over. Take your time. There's no pressure whatsoever. The last Yep. thing I want you to do is sign without reading. I do like that you take some time to have a look through the document. Let me know if there's any questions, and, yeah, my team will just be in contact over the next few weeks to see if there's anything you need, any questions that you have. And even when you are comfortable with that, we'll just get you to sign and return it all back for us. Yeah. If you do find there's any part of the advice you don't wish to proceed with, on the very back page, the authority to proceed, there is actually a line and we have a text box there. So you're welcome to write in there if there's something you do choose not to take on board. Okay? Cool. Yep. Sounds Yeah. good. Aussie, do you have any plans for the afternoon or just the rest of one? Yeah.","start_word":3700,"end_word":3943,"sentiment":"neutral","sentiment_score":0.07575014245803238},{"text":"Just just chilling today. I like that. Enjoy the sunshine while you have it. Yeah. Okay. All good. Well, thank you so much for your time. I really appreciate you taking my call today. I'll let you Beautiful. go to review everything, and let me know if there's anything you need in the meantime. Thank you very much. My pleasure. Enjoy your afternoon. Thank you. And see you.","start_word":3944,"end_word":4011,"sentiment":"positive","sentiment_score":0.6526198387145996},{"text":"Bye.","start_word":4012,"end_word":4012,"sentiment":"neutral","sentiment_score":0.32863956689834595},{"text":"See you later.","start_word":4013,"end_word":4015,"sentiment":"positive","sentiment_score":0.3621872663497925}],"average":{"sentiment":"neutral","sentiment_score":0.17574038258010846}}}}