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Is now still a good time there for you? Yep. Fantastic. Do you happen to have access to your emails there as well? Yep. Beautiful. I'm just gonna send these emails through to you via email. If you wanna pop in there and open that one up for me, then we can kinda go through it. That way you can see the document as I'm going through it to make it easier on yourself there. Ben, before we jump into the call properly as well, just to let you know, we do record our calls for quality and training purposes moving forward. Are you happy for me to proceed with that? Lovely. And I do need to do security day with you as well. I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yeah. Yep. Yep. Perfect. Yep. Perfect. Thank you so much for that. I've just sent those emails sorry. The email through to you there. Hopefully, it pops through fairly quickly. Your email, I've gotparkasolutions@hotmail.com. There's been no changes there at all? No? Perfect. Lovely. Thank you for that. No. That's okay. You're absolutely fine. Perfect. It should come through I think it says my name on there, so Dana Taylor, and it should come through from OdooSign. Yep. Perfect. That's the one. So on the front there, the statement of advice has been prepared for yourself, Benjamin Parker, there as of today yesterday's date, sorry, the 03/04/2026. It's insane. The year is flying by already. Will be at Christmas again in no time. On the bottom there, it has been prepared by myself, Dana Taylor, and my authorized representative number is 13043 94. Okay? If you scroll forward now sorry. You're right. So the first one there is the statement of advice. So when you open the email there, it should have a little button that says sign. If you click on that, it takes you forward so you can move through the document there, but it doesn't ask you to sign anything straight away. So you don't have to sign anything until after you've read it through. Yeah. Yep. That's okay. That's not a problem at all. Yep. Perfect. Okay. So as you are scrolling past the first page there, the next page does basically note down that all the advice is provided under best interest duty, which is part of the corporations. That's just about just making sure that we know what your goals are, what your circumstances are to the fullest extent to make sure any advice provided is in your best interest and there to help you meet your goals. Okay? Beautiful. Scrolling forward to page number three, and this is just running you through the areas that this advice is touching on. So scoping in and scoping out. We've got here superannuation. So we're working towards your goal of being able to hopefully retire at the age of 60 there. You wanted a comfortable lifestyle. You still have a lot of time on your side before we reach that goal, but we are working towards that with this advice document and any thereafter. Okay? We've also scoped in sorry. You're right? Yeah. Okay. It's 01:30 here. So it's 02:30 in New South Wales and Victoria. Okay. No. That's that's okay. I what I'll do is I will just kinda go through things a little bit faster than I would, and then you I'll just have some of the points where I sorta have to to make it easier on you. And then I can let you go back and you can read it through, and then you can always come back and let me know if there's any additional questions or anything. Is that okay? Is it making it a bit easier for you? Yeah. Oh, good. Not a problem at all. This that's okay. It's not a problem at all. If anything comes up, you go, Dana, I have to go. It's not an issue. We can always come back and and have another conversation. Okay. Easy. The rest of the scoping section there, so we have looked at insurances. Obviously, that is part of you do have your insurances employer paid in Plum Super Day. You've also got your employer paid income protection policy. We were able to get some information around those policies, and we were also looking at some TBD cover because it's something that you don't have but wanted to look at getting. So I have made some recommendations around those for you. We're also looking at the estate planning side of things and making sure that beneficiary nominations are up to date. You wanted to make sure if anything happens that your beneficiaries were all covered, that in the event of passing prematurely, touch wood, it never happens, that all the funds are paid to your wife as you continue to look after your family. Okay? Scoping out areas of trauma. So it's an additional insurance policy paid out of your back pocket. You didn't really wanna look at that for the time being, and that's absolutely okay. We can look at that down the track. And you were also focusing on paying down your mortgage as quickly as possible there. So, again, we've scoped out that area for now, but it's down the track. If you track, if you want a cash on budgeting advice, we can absolutely help you as well. Okay? To make it easier on you, if I can get you, sorry, to scroll down for me, just to page number 12. This is essentially running through the the start of the recommendations, and I'll take you through from here. The heading there for you, Ben, should say strategy recommendations. Yep. Perfect. Perfect. So I did go back and do some really good in-depth research around Pumpsilba for you to understand what the product is. It is an employer policy and really understand in-depth about the insurance that you do hold in there. Read the PDF from cover to cover as well for you. We are making a recommendation again that we do remain to keep your plumb super. When I did speak to them, the insurance policies within plumb, they are employ or it's death death only, so life only. It doesn't have a TBD component attached to it. But, essentially, when I was able to do the research with them, it is an employer paid policy. So your employer is making contributions to cover the cost of the insurance premiums on your behalf, and the amount the employer pays for that PlumSafe account towards your well, I consider them concessional contributions. So it does go towards your contributions cap there. But, essentially, your your employer does pay for the insurances. And when I had a really good look at the fee structure, the plum fee structure wasn't too bad at all for that scenario. So I am recommending that we do retain that for the time being. Keep your contributions going into plum and hold the debt cover within that. I'm also recommending that we do retain hub twenty four as well. However, I went back and had a really good look at the portfolio, and I am making a recommendation to alter some of the investments within the portfolio, and I'll show you that very shortly. Okay? I'm also recommending that we do still retain a balance in Plum Super of 30,000. I wanna make sure that our team are contacting you every quarter moving forward. We'll double check the balance within the Plum Super there, and anything over that 30,000 is gonna be rolled into hub twenty four. I wanna do this on a quarterly basis for you because your balance is increasing on a much faster rate. Smaller changes in the market are gonna have a bigger effect in your balance, and we have seen some of ups and downs over the past year there. So having smaller amounts moved from Plum Super into Hub twenty four on a more regular basis means that you're sort of dollar cost averaging a little bit more. So it helps to take advantage of downtimes in the market, and, obviously, it takes advantage of those uptimes as well. So it's about making sure that we're moving smaller amounts in on a regular basis to take advantage of market reactions whilst keeping enough money in your plum super to retain your insurances and also make sure that we're covering in case that we saw a bit of a downturn. The other side of that is I'm also making a recommendation around the insurance side of things with TBD. So I wanna make sure that Plum Super has enough to cover all your insurance premiums. Okay? Perfect. With this one here, if I can get you just to scroll sorry. Scroll down a bit further for me. I'll show you the changes to the portfolio. So on page number 16 then, I went through and had a really good look at your portfolio, how it was working. You are in a high growth portfolio. You are happy to stay in a high growth portfolio, which is absolutely fine. And at the moment, in your super fund in Plum, you have a bit over 51,509. So it has been fine to stay at the moment while we've been going through and doing the research because the funds are currently invested. But to make sure that we do keep just that 30,000 in there for you for the time being, we are gonna move about 21,509 and 32 out of fund and put it into hub twenty four. When we're inside hub twenty four there, I've made some changes. So been along the Australian Equities there, which is the second one down, when I had a really good look at the portfolio, that has been underperforming for the last couple of months there. So we are making a recommendation to remove that solely from your portfolio. From there, to keep your Australian equities component, we're actually gonna move the money into on the bottom of that same page, you'll see the beta shares Aussie 200, so a 200. We're actually gonna buy into that, and that's gonna replace the Ben along Australian equities. Essentially, what's happened that we've noticed coming back this year is that Ben along one of the underlying investments within that managed fund. Corporate Traveler, unfortunately, has been had a bit of an issue late last year. They were kind of being a bit dishonest to the market there. That had been reported to the market with their normal reporting obligations as a public company. And then because Bennelong held them, unfortunately, it meant that Corporate Traveler had to be reevaluated. And then Bennelong, because they still hold them, had to be reevaluated as well. So it meant that Bennelong has now been underperforming. We don't want you to have underperforming funds, so we're gonna remove that out of your portfolio and change the exposure. The BetaShares Australia two hundred is still giving you exposure to, essentially, the top 200 companies in Australia. The difference here is that the BetaShares Aussie two hundred is more of a passively managed portfolio. The idea of having Benelong was that it was more actively managed there, and Van Along as an investment manager, their role was to try and outperform against the market. They haven't done that. And when I sort of looked at what they were doing, they haven't been actively managing their portfolios at all. They haven't been buying and selling or maneuvering anything there. They kind of have been holding steady on what they believe is correct. So because it's underperforming, it's not doing you any favors. It's time to remove that app. The beta shares Aussie 200 still giving you access to Australian shares. It's still giving you access to the top 200 companies on the ASX. And one of the good things about this sort of investment is there's a certain criteria to be in the Aussie 200, the top 200 companies. So when a company falls out of being in that top 200, that means within the beta shares Australia 200, that company is removed as well. So you don't have to have that underlying active management to still get good returns. It's just about making sure you still have the right asset allocation, but that we're not paying too much. And the management fees, the beta shares Aussie 200 is actually cheaper than Bannalung. So we've been able to maneuver the portfolio, remove underperforming investments, put you keep your exposure working the same way for you, and also make sure we kind of reduce the fees a little bit for you as well. Does that make sense? Yeah. Yeah. Yeah. Very similar. They track the top 200 companies on the ASX. The queue up. Yeah. It is it is giving you exposure to the top 200 companies. It's not so much doubling up because we have we've changed the exposure levels in there. Essentially, the a 200 gives you more of an income producing, so they actually pay really good dividends. But between the two, you're not overexposing. You're not doubling up in any way, shape, or form. The beta shares Rafi 200 does track the top 200 companies, but there is some changes. They also track some of the short some of the lower two sorry. Some of the lower 200 as well. So they look at the what's the biggest companies in Australia on the ASX. They're also giving you a little bit more diversification over different areas. When we look at what they're invested in, the two comp the two investments alone is not overexposing you in any way, shape, or form. It's about giving you diversification, but the beta shares a 200 actually gives you higher dividends, which is probably really good as well. So between the two of them, it's giving you good exposure. It's giving you diversification. We're definitely not overexposing in any way, shape, or form or doubling up too much. It's just about making sure you've got a good a good range of assets in there. Yeah. Perfect. You will also see we do still have the China new economy. Still just keeping that in there for you. It hasn't been performing too badly. Physical Gold has been doing extremely well. I don't know if you've been watching that in any way, shape, or form, But physical gold has done very, very well, so we're keeping that in there for you. We are rebalancing the portfolio, so you will see us just selling some of those investments down a little bit. It's just by bringing you back into line so you're not overexposed or, you know, taking on too much risk in any way. We also still keep the BetaShares cybersecurity. The S and P 500 is the top 500 companies within The US there, and we've also got the Fair Neck Australian property keeping that in there for you as well. The other one we are looking to remove is the BetaShares Bank hybrids there. So that's the third one down from the top. That one there is bank hybrids have sort of more of a complex investment. They work very similar to bonds where you're purchasing some investments within the top four banks. Bank hybrids have been quite good because they act like shares where you can trade them and they do get additional growth. However, they are more of an income producing asset. They have been seen as lower risk over the last couple of years, and like bonds, they tend to pay coupon or interest payments, which is really cool. However, the government are choosing to phase those out over the next couple of years there. So we're taking the advantage whilst we are reviewing your portfolio to remove those now before we have to, and then the additional will be distributed between the other investments there. And on the next page, you'll see we're also keeping the iShares core composite bond there. So we're buying a bit more into the core into buying into the core composite bond to give you some bond exposure to keep your defensive side of your allocation. Does that make sense? Yep. Perfect. Yeah. Yeah. Perfect. Yeah. Yep. It's good to have some defensive assets in there, and core composite bonds are really good. It's giving you access to not only government banking bonds. It's giving you access to a good diversification there. Bonds do tend to get a lower rate of return. They are seen as lower risk, but they're good for income producing, like having dividends paid out of your shares. You wanna have income that's coming into your portfolio. It goes into your cash account, gets reinvested into your portfolio, and it helps the, you know, compounding, buying back into those investments whenever you can and compounding over the longer term. Perfect. All good. If you keep scrolling down there for me, you'll see this proposed asset allocation. So at the moment, within a high growth asset allocation, you generally see sort of 90% in growth assets and 10% in defensive assets. Sorry. If I keep pausing on you, I do apologize. I've got the hiccups this afternoon. I'm so sorry. Your existing portfolio shows you have about 93.19% in growth investments and then about six point 81% in defensive investments there. Okay? With the proposed changes that we've made above there, essentially, we would see your growth investments increasing slightly to 9494.85%, and then we're just decreasing your defensive investments a little bit to about 5.15% there. So it's increasing your growth investments a little bit, decreasing the defensive. It's keeping you still in line with what we need to have with regard to your asset allocation, and it's also making sure that you're not paying a lot in fees. If you then move down to the next document, this is essentially showing the pay fee sorry, fee comparison table. Sorry about that. At the moment, within the hub twenty four and the plum, you've got your two balances at the very top there, and you are paying administration fees and investment hub twenty four, and your contributions are going in, and your insurance premiums are just being paid out at the plum super currently with your employer contributions with with the employer's contribution. You are in a growth portfolio between the two as per the previous asset allocation, but when we looked at the last three years and how that portfolio has averaged the return, Normally, it's and, look, it's different to what you can get. This is sort of looking at the asset allocation and what the portfolio has done, but we understand that what you're gonna get might be very different to what the portfolio has done. But between the two funds, it's averaged about 12.97% on a yearly basis over the last three years. With the way we are making the recommendations and altering the portfolio, it's still giving you the high growth allocation, and the portfolio has averaged about 16.6% over the last three years. So it has averaged a higher a higher return, which is great. And if you look at the very top there with your administration fees and investment fees, it's actually saving you a little bit there. So with regard to admin fees, once we've done the rollover, left the 30,000 there in plum, we can see that we can save you on the first year about $18 in administration fees. Doesn't seem like a lot. However, when you consider the compounding effect, it can be quite significant. And with the newer portfolio, it also saves you roughly $971 in administration fees for the first year as well. So the newer portfolio is gonna be cheaper as well. Yep. Do you have any questions so far? Yeah. Perfect. The ongoing service fee is also in the account there on the hub 24 that stays applicable. Just so you are fully aware, it is 1.65% per annum. We do cap it at 909,000 on a yearly basis. So once your balance gets 600,000 within the hub, we cap the fee. We don't charge 1.65% of, say, a million dollars. That will cap at some point, which we hope will be very soon for you. Your contributions, I still want to go into Plum Super to keep that going. And as I said, we will just sort of touch base every quarter with you, have a look at what's in the plum sleeper, and roll funds over when we need to to make sure you retain that $30,000 balance and with dollar cost averaging in the hub 24. Okay? Yep. That's net. Yep. That's net. So after taxes. Mhmm. Yes. Yep. Correct. Yep. And that's net. So it's after the 15% tax is taken out. Yep. Mhmm. Yes. I would be very careful, though, because one thing you did make mention to me is that you do get like, this is basing it off the, your base income. I would just need to double check that you're like, to see if there's any additional contributions going in, and you are due to get, hopefully, a pay rise soon as well, so your pay could increase. What I'd probably wanna have a look at is if you have any catch up contributions to any cap space over the last couple of years that we could maybe utilize to maximize that if you wanted to make additional contributions, and your myGov will give you an idea of what your cap space looks like. So before adding additional, I'd be very careful doing that. This is obviously giving you a conservative projection side of things by utilizing just the base, but I would be very careful adding additional contributions because when we sort of look at everything, you are quite close to the cap. So I would definitely be checking in myGov prior to making anything additional. Yeah. Yeah. Yeah. Yep. Yeah. Correct. It's the con the concessional cap. So the concessional contribution cap for this year is 30,000 per financial year. But if your income's been sort of going up and you have cap space in the last five years, we could utilize your catch up contributions if you wanted to go into your myGov. I can even send you an email and direct you through how to find the catch up contributions. But if you wanted to grab those for me, I could have a look at them, and we could always have chat about making some additional contributions if that's what you wanted to do as well. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. And I've actually got that for you. If you if you wanna scroll down to the next page, you can see what that looks like. Yeah. Sorry. This looks very different to the last sort of advice documents that you would have seen. We've kinda broken everything up a little bit there, and this is why I wanted to have sort of a not sort of over have more of a conservative rate of return for you in this portfolio. Because looking at things like if you if the portfolio works the way it has over the next sort of five to ten years, you can sort of see where you where you're on trajectory to end up. In saying that, that high growth portfolio within this projection table, that is right up in over the next ten years. But anytime in the next ten years, you might ring me and go, hey. I'm not comfortable being in a high growth portfolio. I wanna maybe pull back a little bit and be a bit more conservative. So with that ten years somewhere, we may start reducing it back a little bit. So whilst, you know, I don't you're you're happy? You feel a bit more risky? Yep. Perfect. But, I mean, with your balance at where it is at the moment and with your contributions going in and how everything is looking for you at the moment, you are pretty well on track to hit a pretty decent figure. I would sort of be looking forward. In my eyes, I sort of focus on the next five years because you are still very young. Things can definitely change, and we do know in a high growth portfolio, we do expect a negative year to come about at least once in the next sort of six years depending on how markets go. So I sort of focus mostly on this next sort of five years hoping that's where we're sort of heading. That's where I'd like you to be in the next five years, and we'll talk about, you know, keep reviewing things to make sure you're on track to sort of hit that figure. If we can get you there to the next ten years and have over 2 mil, great. But I don't have a bank on that because I understand markets go up and down. They have different reactions, and I don't expect you to end up getting 16.6% every single year. This is how this portfolio has reacted every year when we do the research, but I'm honest and I'm open to let you know I don't expect you to get that return every single year. I do know some years you might get 25%. Other years, you might only get a 4% return. You'll have a negative return somewhere in there as well, and then maybe, like, a 10 or 15% return. The markets do go up and down, and the return varies every year, but we wanna take advantage of those ups and downs. And when we are seeing a bit of a dip, putting a bit of money in there and making sure we roll some money from Plum Super in the hub to take advantage of those downtime. So I like to be open and honest with you and let you know this is a projection. It's a beautiful projection, but I'm a realistic adviser as well. So Yep. Mhmm. Yep. Yeah. Absolutely. Absolutely. Having a bit of a look at where people are you know, where the analyst is sort of projecting things to go this year with what's happening at the moment, on Monday was probably the the biggest time to see the the expectation of a dip with the military action over the course of the weekend. But when we came in on Monday, there was a slight dip first time in first thing in the market, and then we saw it sort of come back. It was a bit volatile throughout the day, but by the end of the day, it had kinda come back and and recovered nicely. So we do expect with what's happening in Iran and with the military actions that we are gonna see those ups and downs, but that's why we also have a bit of gold in your portfolio. Because when equities aren't gonna do so well, people tend to move money into gold. And gold, I believe, last year, at the end of last year, ended at, like, a thirty year high. So it was a it's pretty massively up there. Yeah. Even when we sort of look at what happened this year in February, gold took a massive dive in one day. It was down between 11 to 18%. But then the next, you know, day or two, it kinda came back and made a nice big recovery, and now it's higher than it was prior to that dip. So gold is definitely a bit of a safe haven. It's def it's a growth asset, but it acts defensively because of the way we utilize it in portfolios. And I had a bit of a look at what the analysts are predicting there, and they don't see gold having a huge downturn this year. They're kind of expecting it to continue to steady up. So, you know, they're sort of projecting really good things for majority of the year, but I do think we're gonna see a bit of volatility in there. So that's why having a bit of gold in your portfolio, having those core composite bonds as a defensive investment as well as that worldwide exposure through those other investments is gonna provide a bit more of a benefit. But I do definitely see some, you know, ups and downs with the equities there, and that's why I wanted to make your rollovers a little bit more regularly, sort of once every three months. Even if we're only rolling over a couple of 100 or a couple of thousand dollars, it doesn't matter. It's about putting regular amounts in so we take advantage of those market cycles. Because I can't tell when the bottom of the dip is gonna happen or when the top of the dip is gonna happen. No one physically can. So it's about making sure we're just putting money in on a regular basis to take advantage of those cycles. Okay? Yeah. Perfect. But that's a really cool projection table there. It is showing you where we're sort of tracking based on what we have with the research there. As I mentioned, I'm kinda focused on that five year side of things at the moment. Let's work on the next five years, and then we get to the five years and we work on the next five years as well. Because, I mean, ten years doesn't feel like a lot of time, but when you look back at what you've achieved over the last ten years, a lot can change in your life, and a lot will change over the next ten years probably as well. Okay? Perfect. Hopefully, more pay rises for you. Underneath that, it does show you kind of the annualized returns that the different portfolios have been able to receive as as per our research for you as well. Okay? Excellent. The next page outlines the insurance recommendation. So if you sort of think back to the original projection table, we have sort of noticed in that the insurance premiums within Plum had gone up, and the recommendation for the total that's death and TBD to be about $1,669 deducted for the insurance premiums. And that kinda goes on to this next recommendation. So we sort of talked about how, when we did your annual review, how you have the death cover inside on Super, which is the employer paid policy there, which is great. It gives you a good level of cover in the event that something was to happen. However, you didn't have any TBD cover. And I went back and I had a look, and there doesn't seem to be any TBD benefit there. So we discussed applying for and looking at TBD to provide you with a level of cover in the event that you are permanently disabled or not able to go to work. One of the things we talked about was looking at income replacement, making sure you're covering the cost of your mortgage, and we talked about tax side of things as well. So how TPD, in the event of a claim, if you're under the eighty sixty, can be taxed up to 22%, and you wanted to make sure that the mortgage could be cleared free and clear, factoring in the tax component there, and then making sure your super could be paid out on top of that for income replacement. Does that kinda ring a bell? And does that still sound fairly accurate? Yep. Perfect. So I did a little bit of research to find out who would provide a decent amount of TBD and what you actually needed. When we had a look and did the calculation, you needed a bit over 900,000 of TBD to cover your mortgage free and clear tax free. We actually get discounts for every sort of 250,000 of TBD. So I've actually recommended that we apply for $1,000,000 of TBD with a sender, which used to be MLC. They've provided the cheapest rate. TBD inside Super just hasn't any occupation definition. So in order for you to claim, you just never be need to never be able to go back to work again for any occupation for which you are trained, educated, or have worked, and we just get two doctors, one to be a specialist to sign off on that. You'll probably see on the page here, I've also recommended life cover. That is because when we looked at the research and we looked at TPD, stand alone by itself, the premiums came out between 4 to $8,000 on a yearly basis. When we added life to the policy, it activated a multi policy discount and actually reduced your premiums to about so we got $1,101 or 936 deducted out of your super fund because you get a 15% rebate on the policy. So adding the same amount of life to the TPD, gave you a cheaper premium, gives you more life on top of what you already have, and basically gives you that extra little bit of cover, and it's cheaper. Does that make sense? Isn't it, though? In the in the appendix, you'll see we've actually screenshotted the different the stand alone options and how much they actually go up in price. Pretty insane, isn't it? Sure. Mhmm. Yep. Yep. Absolutely does. Yep. So you'll get the extra benefit there. And I'll sort of let everyone know let your partner know that you do have us as your advisers and that you do have the life policy through. I sort of make it a point of saying, if they don't know about it, then it's hard to make a claim. So in the event that you were to pass away touch wood, nothing happens, however. But if in the event that you were to pass away, at least having your partner know that we're your advisers, that we look after your insurance policy and your super means that they can contact us and we can assist. We do need to always one if you pass, talk to the executive of your state. So as long as that's your partner, it's not a problem at all. We will help with the claim, get all the paperwork sorted, and can also provide advice on how best to structure the money so that it provides a regular ongoing support and lasts as long as possible for them as well. Okay. Yep. Perfect. But yeah. Yeah. Sorry. Yeah. Yep. Yeah. Absolutely. Not a problem at all. So that is essentially the recommendation on the insurance side of things. So as per the very top, we expected this policy, the yearly premium, the first you deducted out of super to be $9.36. You do get a 15% rebate on the policy. And so the insurer does receive that 1,101 and 10¢. However, you just pay a little bit less. You get a rebate for the tax consequences inside super. And when we add that to the policy that is being paid out of Plumb already, the first year's net premium is expected to be 1,669 as a total. So that's how you get to that recommended figure at the very top there. Okay? It's a send out MLC. Mhmm. Yep. Yep. So the projection that we just went through, that is including these insurance premiums being deducted. Yep. Yep. Perfect. Yeah. Yep. Yep. Definitely. Absolutely. This gives you extra level of cover there. As we kinda went through before, all our recommendations are are made under best interest duty. So on each of these pages, under those recommendations, I have noted the best interest duty as to how and why I've made the recommendations for you. Feel free to have a read through all of that. If you find you have any questions, let me know. We also have the advantages, the disadvantages, and the risks involved so you can run your eyes over all of that, just making sure that you're aware that you're making the decision while being fully informed. When it comes to retaining the two platforms, it does remain really good for you. Obviously, Plum is your employer paid policy. You have the benefit of the death benefit there, and you do have a really good sum insured if anything was to happen. So retaining that is preferable. We have 24. The portfolio within that has been performing greater, and the two funds when we sort of look at everything is lower cost in fees. So it is really good and does work in your best interest to retain everything. The alterations of portfolio stays you in fees, which is a benefit to you. And having a greater past performance can put you in a better position the longer the markets work the way they have in the in as in the past. With the insurances, having the TPD gives that level of cover structuring it so it's inside super is also a benefit. So you're not having to pay those premiums out of your back pocket. However, it is important to know as you kinda went through, the premiums coming out of super do have a effect on your time and figure there. So it is really important that we do review those insurances. These insurances are stepped premiums, so they will get more and more expensive as you get older as the risk of you making a claim increases. So we will review them with you. And as you pay your mortgage down, as your super balance increases, we should be able to decrease the level of cover that you have. Does that all make sense? Yeah. Perfect. Yeah. Mhmm. Yep. Yep. Yep. And I've got that for you here. If you go down to page 26 for me, I'll run you through that now as well. That's where I'm going next. It's all good. Don't worry. It's no. Yeah. You are absolutely fine, Ben. Don't ever hesitate. Just, you know, let me know what it will I'm sort of working this towards what you need because I know we are running a bit low on time. So yeah. No. Honestly, if bring up anything that you possibly have, I love it. It's fantastic. On page 26 there, I did I I was able to get the authority applied. So we do have an authority on that policy with MetLife now. The only downside is they make us email everything. So it takes sometimes about four to five weeks for them to reply back to us, but I was able to get the information there. So we did ask them to provide a quote to increase the policy. They'll increase it up to 75% of the income, which is actually more than most income protection policies cover now. Essentially, they'll assess the income once you go through the application, and they may increase it more than what they've been able to tell us, but they're going on what the income was that has been disclosed to them. Essentially, at the moment with the employer paid MetLife policy, you're not paying anything additional for that. It is paid by your employer. For them to increase it sorry. You'll see on that table here, you've got your current income protection policy. This is a yearly benefit, so they break it down into a monthly amount. You're currently covered for about a 122,150 and 9¢. With the quote, they're able to increase up to a $154,009.66 and 53¢. They're also including 10% employer con SGC, so employer contributions in the super, which at the moment is not on the policy. So we've opted to take the quote that does allow that because it means if you're off working on an income protection claim, they'll be paying something into your super fund as employer contributions, which is really important to keep your super working harder whilst you're off work as well. Essentially, this policy is owned by your employer, but you're the sum insured. They do say they are set premiums. You do have a ninety day waiting period, and it's an age 65 policy. So you can be on a claim up to the age of 65, which is really good. In order to increase this as per the quote, the only amount they expect that you'll pay is a $123.82 per month, and they noted that that is paid by way of salary packaging, so salary sacrifice. So they'll deduct that out of your wages if that's the way you wanna go. I do have the quote in the appendix for you and attached to this doc attached to this email for you so you can have a look at it. It is a very basic quote that they're able to give to us, but increasing this increases it quite significantly. And, essentially, if your wage increases, you can continue to increase it along the lines of this. The only kind of downside is you will have to go through underwriting. So it is an application to fill out. If you wanna go ahead with the increase, we will help you as much as we absolutely can. We'll email them, let know you that you wanna go ahead with it, try and get the paperwork sent through, and help you to fill it out. Essentially, they will go through underwriting to assess any changes to your health. If there is anything that they assess as higher risk, there could be loadings and or exclusions aligned to the policy. But from everything we can see, there's really nothing. You're pretty healthy, so there doesn't seem to be any red flags that I would see at the moment as being an issue. But, essentially, increasing that cover significantly and adding the SDC contributions on there in the event that you're not able to go to work and paying that $123.82 per month out of your income to increase that, doesn't seem like too bad, Nadia. Yeah. No. Sorry. That is a typo. It is actually monthly on the quote. Yeah. Mhmm. Yeah. Absolutely. At the moment, we're only getting the six to 7% of your income, there's no employer contributions going into super if you're off work. The increase in this on a month like, paying the extra on a monthly basis to increase the amount of cover that you're able to get is definitely worth while and including the employer contributions in the super absolutely. Because if anything was to happen, if you were off work, sort of thinking about your circumstances, you know, school fees, everything that you go through, looking at the current income protection amount, it's pretty significantly lower to what you're actually earning. So you might find it a little bit harder to live, might find expenses are a little bit tighter. Increasing that as much as you absolutely can, whilst it doesn't increase to a 100%, there's always gonna be a bit of a shortfall. Minimizing that shortfall is gonna provide a greater benefit for your family. And if you're off work for, say, two years, five years, or even up up to sixty five, without those employer contribution sorry. Without those employer contributions, your super is only working on itself. So having those employer contributions going into your super, even at, say, 10%, instead of the 12% you get now, it's still better than nothing. It's still helping to keep your super working harder, and it's still providing a benefit for the long term. Because with this income protection policy, even if you're off work to age 65, this stops at age 65. So then you've still gotta find a way to live to the next twenty or thirty or forty years of retirement so your super still needs to work for you through those years. Yeah. Yeah. Cool. Yeah. That's basically running through the advantages of this product. The downside is that you are gonna have a little bit less than you pay on a regular basis. The employer paid policy can increase, so it doesn't tell me anywhere. It they tell me it's a set premium. I don't know how much the premium increases by. I was very limited the information I was able to obtain. But every year when we do annual reviews with you, we'll keep reviewing the policy the same as the other insurance policies and keep making alterations as we can and as we need to. But yeah. Look. It's a good benefit. We were stoked that they were able to give us the information. It did take about five or six weeks to come through, unfortunately. But once we got the quote, I think I was jumping in the air. It's pretty exciting. I was like, this is great. They're actually telling us this information we need, which is really cool. So what we'll do is if you decide to go through with it, we'll email them back and let them know you wanna go through. We'll find out what you need to do and try to help you as much as we possibly can with that increase process. Okay? Yep. Absolutely. Mhmm. Absolutely. We did, but it is it's still better to do it within MetLife. So we had a look at other options there. It's way more expensive to get income protection through any other provider. Your the increased your MetLife was gonna be the cheapest option all around. And the fact that it's deducted out of your income instead of you having to make the premiums any other way is a lot cheaper. So it's a it's a pretty good product, and you've got a pretty good deal there for it. Mhmm. Yep. Yep. Yep. Mhmm. Yeah. Mhmm. Yep. Okay. Yeah. Yep. Yeah. The policy. Yeah. If you can. Yeah. Yep. Yep. That's fine. Yep. That's not a problem at all. On the very last page, if there's anything that you wanna hold off on or any part of the advice that you choose you don't wanna proceed with, on the last page, you have a little text box, so on the authority to proceed. In that talks text box, if there's any section that you wanna hold off or not proceed with if you just wanna hold off for a few months, just sort of write down you don't wish to proceed yet. You wanna hold off and maybe review at a certain point in time. But you just need to add that little statement just in on that authority to proceed with the sections that you wanna hold off on, or not proceed with just so we have that as a record because the the advice remains appropriate as it is. It's just letting us know that you don't wish to proceed or certain, wish to hold off on certain aspects there. So if you just write that on the last page there, that's absolutely fine. We'll take a note of that, and then we can proceed with the other sections for you. Okay? Yep. Yeah. Yep. Yeah. Yeah. It's completely up to you. Doing it now means that if anything was to happen in the meantime, you do get that higher level of of cover to sort of back you. The risk of not doing it now means that something could go wrong in saying that. There's obviously a small chance that something could go wrong. You could the next twelve months, next ten years, you could never claim on insurances. Nothing could go wrong. So it just comes down to your comfort level, what you're comfortable proceeding with at the time, and what risks you're willing to take. So, I mean, you haven't had these insurances this high for a while, and you haven't had the claim yet. So just sorta have a think about your comfort level and what what you wanna do. Okay? And if you hold off and say, look. I wanna hold off until for a few months, we can just touch base in, you know, two, three months beginning in June. And if you say, hey. Look. Yeah. Let's do it. Or if you change your mind and you wanna go ahead, we'll just get you to put it in writing, and we can go ahead at any point in time. It's not a problem. Yeah. Perfect. The last thing I do have to let you know is you do have the estate planning side scoped in as well. I am making a recommendation that we make sure all of your beneficiaries are up to date. On the Plum Super, one of the statements we got said you did have a beneficiary nominated. The next one said there wasn't one. So I'm not sure if there is or isn't on the Plum Super account, but we're gonna make sure all your beneficiary nominations on Plum Super Hub twenty four and with your life policy with the sender if you decide to go that way are all updated. Finding, non lapsing, nominating a 100% to your partner. That way, if anything was to happen, it is all paid out nice and easily to her so she can, you know, she can continue to look after your family. It just makes it all, you know, in line and dot so your i's crossed with your t's and make sure you have that level of protection aside. I've also, in here, added the estate planning side with the will and the and the power of attorney. So we aren't lawyers. We can't set up a will for you, but we can refer you to a solicitor. And if you like, I can send, sorry, just an information email to you, which gives you a bit of detail around the solicitor that we can refer you through to with a bit of a costing around what it that what they charge for a will, a bit of information around trust, and things like that just to maybe start the conversation off. Okay? Yeah. Perfect. Perfect. That is everything I needed to go through with you there, Ben. I know it is at 02:21 my time, so 03:21 your time. I know you do have to kinda head off now. The rest of the document just sorta outlines the ongoing service fees, and it's important to note that we do receive remuneration from insurance companies when insurances are written into place. It has no effect on our recommendations in any way, shape, or form. But in the document here on page number 39, it does outline that with a standard, if you do go through with the insurance policy, it's up to you. We do receive 66% of the first year's premium and 22%, they're ongoing. It is legislated that we receive the exact same amount from all insurance companies, so it has not got anything to do with our recommendation. Everything I've recommended to you has to be in best interest, and that's why through this document, you see a best interest statement which outlines the reasoning and how the recommendations are in line your goals and in your best interest. Okay. Perfect. That is basically everything in there. As you are going through, page number 41 outlines how we'll go through and and do the implementation there. And then on page number 42 at the very bottom, you should have a section there for a little text box, and you can just write in there what you do and or do not or wish to hold off on as part of the recommendations. Essentially, we make the recommendations to you outlining everything, and then it's up to you what you're comfortable to take on board. If you do have any additional questions after reading through, let me know. I know sometimes there are additional questions that come through after the conversation, so feel free to email me with anything that you need. And if we have to have another conversation, I'm more than happy to make time to come back and chat to you. Okay? That's okay, Ben. I hope you have a lovely afternoon. I know you're very time, Paul, but I appreciate you taking my call. Yes. Legend. Thank you so much. You have a good afternoon. Thanks. 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Ben. It's Dana from Ophiuch Financial. How are you this afternoon? I'm very well. Thank you.\n\nI had you booked in to go through your updated device document. Is now still a good time there for you? Yep. Fantastic. Do you happen to have access to your emails there as well?\n\nYep. Beautiful. I'm just gonna send these emails through to you via email. If you wanna pop in there and open that one up for me, then we can kinda go through it. That way you can see the document as I'm going through it to make it easier on yourself there.\n\nBen, before we jump into the call properly as well, just to let you know, we do record our calls for quality and training purposes moving forward. Are you happy for me to proceed with that? Lovely. And I do need to do security day with you as well. I'll just get you to confirm your full name, your date of birth, and address I should have on file.\n\nYeah. Yep. Yep. Perfect. Yep.\n\nPerfect. Thank you so much for that. I've just sent those emails sorry. The email through to you there. Hopefully, it pops through fairly quickly.\n\nYour email, I've gotparkasolutions@hotmail.com. There's been no changes there at all? No? Perfect. Lovely.\n\nThank you for that. No. That's okay. You're absolutely fine. Perfect.\n\nIt should come through I think it says my name on there, so Dana Taylor, and it should come through from OdooSign. Yep. Perfect. That's the one. So on the front there, the statement of advice has been prepared for yourself, Benjamin Parker, there as of today yesterday's date, sorry, the 03/04/2026.\n\nIt's insane. The year is flying by already. Will be at Christmas again in no time. On the bottom there, it has been prepared by myself, Dana Taylor, and my authorized representative number is 13043 94. Okay?\n\nIf you scroll forward now sorry. You're right. So the first one there is the statement of advice. So when you open the email there, it should have a little button that says sign. If you click on that, it takes you forward so you can move through the document there, but it doesn't ask you to sign anything straight away.\n\nSo you don't have to sign anything until after you've read it through. Yeah. Yep. That's okay. That's not a problem at all.\n\nYep. Perfect. Okay. So as you are scrolling past the first page there, the next page does basically note down that all the advice is provided under best interest duty, which is part of the corporations. That's just about just making sure that we know what your goals are, what your circumstances are to the fullest extent to make sure any advice provided is in your best interest and there to help you meet your goals.\n\nOkay? Beautiful. Scrolling forward to page number three, and this is just running you through the areas that this advice is touching on. So scoping in and scoping out. We've got here superannuation.\n\nSo we're working towards your goal of being able to hopefully retire at the age of 60 there. You wanted a comfortable lifestyle. You still have a lot of time on your side before we reach that goal, but we are working towards that with this advice document and any thereafter. Okay? We've also scoped in sorry.\n\nYou're right? Yeah. Okay. It's 01:30 here. So it's 02:30 in New South Wales and Victoria.\n\nOkay. No. That's that's okay. I what I'll do is I will just kinda go through things a little bit faster than I would, and then you I'll just have some of the points where I sorta have to to make it easier on you. And then I can let you go back and you can read it through, and then you can always come back and let me know if there's any additional questions or anything.\n\nIs that okay? Is it making it a bit easier for you? Yeah. Oh, good. Not a problem at all.\n\nThis that's okay. It's not a problem at all. If anything comes up, you go, Dana, I have to go. It's not an issue. We can always come back and and have another conversation.\n\nOkay. Easy. The rest of the scoping section there, so we have looked at insurances. Obviously, that is part of you do have your insurances employer paid in Plum Super Day. You've also got your employer paid income protection policy.\n\nWe were able to get some information around those policies, and we were also looking at some TBD cover because it's something that you don't have but wanted to look at getting. So I have made some recommendations around those for you. We're also looking at the estate planning side of things and making sure that beneficiary nominations are up to date. You wanted to make sure if anything happens that your beneficiaries were all covered, that in the event of passing prematurely, touch wood, it never happens, that all the funds are paid to your wife as you continue to look after your family. Okay?\n\nScoping out areas of trauma. So it's an additional insurance policy paid out of your back pocket. You didn't really wanna look at that for the time being, and that's absolutely okay. We can look at that down the track. And you were also focusing on paying down your mortgage as quickly as possible there.\n\nSo, again, we've scoped out that area for now, but it's down the track. If you track, if you want a cash on budgeting advice, we can absolutely help you as well. Okay? To make it easier on you, if I can get you, sorry, to scroll down for me, just to page number 12. This is essentially running through the the start of the recommendations, and I'll take you through from here.\n\nThe heading there for you, Ben, should say strategy recommendations. Yep. Perfect. Perfect. So I did go back and do some really good in-depth research around Pumpsilba for you to understand what the product is.\n\nIt is an employer policy and really understand in-depth about the insurance that you do hold in there. Read the PDF from cover to cover as well for you. We are making a recommendation again that we do remain to keep your plumb super. When I did speak to them, the insurance policies within plumb, they are employ or it's death death only, so life only. It doesn't have a TBD component attached to it.\n\nBut, essentially, when I was able to do the research with them, it is an employer paid policy. So your employer is making contributions to cover the cost of the insurance premiums on your behalf, and the amount the employer pays for that PlumSafe account towards your well, I consider them concessional contributions. So it does go towards your contributions cap there. But, essentially, your your employer does pay for the insurances. And when I had a really good look at the fee structure, the plum fee structure wasn't too bad at all for that scenario.\n\nSo I am recommending that we do retain that for the time being. Keep your contributions going into plum and hold the debt cover within that. I'm also recommending that we do retain hub twenty four as well. However, I went back and had a really good look at the portfolio, and I am making a recommendation to alter some of the investments within the portfolio, and I'll show you that very shortly. Okay?\n\nI'm also recommending that we do still retain a balance in Plum Super of 30,000. I wanna make sure that our team are contacting you every quarter moving forward. We'll double check the balance within the Plum Super there, and anything over that 30,000 is gonna be rolled into hub twenty four. I wanna do this on a quarterly basis for you because your balance is increasing on a much faster rate. Smaller changes in the market are gonna have a bigger effect in your balance, and we have seen some of ups and downs over the past year there.\n\nSo having smaller amounts moved from Plum Super into Hub twenty four on a more regular basis means that you're sort of dollar cost averaging a little bit more. So it helps to take advantage of downtimes in the market, and, obviously, it takes advantage of those uptimes as well. So it's about making sure that we're moving smaller amounts in on a regular basis to take advantage of market reactions whilst keeping enough money in your plum super to retain your insurances and also make sure that we're covering in case that we saw a bit of a downturn. The other side of that is I'm also making a recommendation around the insurance side of things with TBD. So I wanna make sure that Plum Super has enough to cover all your insurance premiums.\n\nOkay? Perfect. With this one here, if I can get you just to scroll sorry. Scroll down a bit further for me. I'll show you the changes to the portfolio.\n\nSo on page number 16 then, I went through and had a really good look at your portfolio, how it was working. You are in a high growth portfolio. You are happy to stay in a high growth portfolio, which is absolutely fine. And at the moment, in your super fund in Plum, you have a bit over 51,509. So it has been fine to stay at the moment while we've been going through and doing the research because the funds are currently invested.\n\nBut to make sure that we do keep just that 30,000 in there for you for the time being, we are gonna move about 21,509 and 32 out of fund and put it into hub twenty four. When we're inside hub twenty four there, I've made some changes. So been along the Australian Equities there, which is the second one down, when I had a really good look at the portfolio, that has been underperforming for the last couple of months there. So we are making a recommendation to remove that solely from your portfolio. From there, to keep your Australian equities component, we're actually gonna move the money into on the bottom of that same page, you'll see the beta shares Aussie 200, so a 200.\n\nWe're actually gonna buy into that, and that's gonna replace the Ben along Australian equities. Essentially, what's happened that we've noticed coming back this year is that Ben along one of the underlying investments within that managed fund. Corporate Traveler, unfortunately, has been had a bit of an issue late last year. They were kind of being a bit dishonest to the market there. That had been reported to the market with their normal reporting obligations as a public company.\n\nAnd then because Bennelong held them, unfortunately, it meant that Corporate Traveler had to be reevaluated. And then Bennelong, because they still hold them, had to be reevaluated as well. So it meant that Bennelong has now been underperforming. We don't want you to have underperforming funds, so we're gonna remove that out of your portfolio and change the exposure. The BetaShares Australia two hundred is still giving you exposure to, essentially, the top 200 companies in Australia.\n\nThe difference here is that the BetaShares Aussie two hundred is more of a passively managed portfolio. The idea of having Benelong was that it was more actively managed there, and Van Along as an investment manager, their role was to try and outperform against the market. They haven't done that. And when I sort of looked at what they were doing, they haven't been actively managing their portfolios at all. They haven't been buying and selling or maneuvering anything there.\n\nThey kind of have been holding steady on what they believe is correct. So because it's underperforming, it's not doing you any favors. It's time to remove that app. The beta shares Aussie 200 still giving you access to Australian shares. It's still giving you access to the top 200 companies on the ASX.\n\nAnd one of the good things about this sort of investment is there's a certain criteria to be in the Aussie 200, the top 200 companies. So when a company falls out of being in that top 200, that means within the beta shares Australia 200, that company is removed as well. So you don't have to have that underlying active management to still get good returns. It's just about making sure you still have the right asset allocation, but that we're not paying too much. And the management fees, the beta shares Aussie 200 is actually cheaper than Bannalung.\n\nSo we've been able to maneuver the portfolio, remove underperforming investments, put you keep your exposure working the same way for you, and also make sure we kind of reduce the fees a little bit for you as well. Does that make sense? Yeah. Yeah. Yeah.\n\nVery similar. They track the top 200 companies on the ASX. The queue up. Yeah. It is it is giving you exposure to the top 200 companies.\n\nIt's not so much doubling up because we have we've changed the exposure levels in there. Essentially, the a 200 gives you more of an income producing, so they actually pay really good dividends. But between the two, you're not overexposing. You're not doubling up in any way, shape, or form. The beta shares Rafi 200 does track the top 200 companies, but there is some changes.\n\nThey also track some of the short some of the lower two sorry. Some of the lower 200 as well. So they look at the what's the biggest companies in Australia on the ASX. They're also giving you a little bit more diversification over different areas. When we look at what they're invested in, the two comp the two investments alone is not overexposing you in any way, shape, or form.\n\nIt's about giving you diversification, but the beta shares a 200 actually gives you higher dividends, which is probably really good as well. So between the two of them, it's giving you good exposure. It's giving you diversification. We're definitely not overexposing in any way, shape, or form or doubling up too much. It's just about making sure you've got a good a good range of assets in there.\n\nYeah. Perfect. You will also see we do still have the China new economy. Still just keeping that in there for you. It hasn't been performing too badly.\n\nPhysical Gold has been doing extremely well. I don't know if you've been watching that in any way, shape, or form, But physical gold has done very, very well, so we're keeping that in there for you. We are rebalancing the portfolio, so you will see us just selling some of those investments down a little bit. It's just by bringing you back into line so you're not overexposed or, you know, taking on too much risk in any way. We also still keep the BetaShares cybersecurity.\n\nThe S and P 500 is the top 500 companies within The US there, and we've also got the Fair Neck Australian property keeping that in there for you as well. The other one we are looking to remove is the BetaShares Bank hybrids there. So that's the third one down from the top. That one there is bank hybrids have sort of more of a complex investment. They work very similar to bonds where you're purchasing some investments within the top four banks.\n\nBank hybrids have been quite good because they act like shares where you can trade them and they do get additional growth. However, they are more of an income producing asset. They have been seen as lower risk over the last couple of years, and like bonds, they tend to pay coupon or interest payments, which is really cool. However, the government are choosing to phase those out over the next couple of years there. So we're taking the advantage whilst we are reviewing your portfolio to remove those now before we have to, and then the additional will be distributed between the other investments there.\n\nAnd on the next page, you'll see we're also keeping the iShares core composite bond there. So we're buying a bit more into the core into buying into the core composite bond to give you some bond exposure to keep your defensive side of your allocation. Does that make sense? Yep. Perfect.\n\nYeah. Yeah. Perfect. Yeah. Yep.\n\nIt's good to have some defensive assets in there, and core composite bonds are really good. It's giving you access to not only government banking bonds. It's giving you access to a good diversification there. Bonds do tend to get a lower rate of return. They are seen as lower risk, but they're good for income producing, like having dividends paid out of your shares.\n\nYou wanna have income that's coming into your portfolio. It goes into your cash account, gets reinvested into your portfolio, and it helps the, you know, compounding, buying back into those investments whenever you can and compounding over the longer term. Perfect. All good. If you keep scrolling down there for me, you'll see this proposed asset allocation.\n\nSo at the moment, within a high growth asset allocation, you generally see sort of 90% in growth assets and 10% in defensive assets. Sorry. If I keep pausing on you, I do apologize. I've got the hiccups this afternoon. I'm so sorry.\n\nYour existing portfolio shows you have about 93.19% in growth investments and then about six point 81% in defensive investments there. Okay? With the proposed changes that we've made above there, essentially, we would see your growth investments increasing slightly to 9494.85%, and then we're just decreasing your defensive investments a little bit to about 5.15% there. So it's increasing your growth investments a little bit, decreasing the defensive. It's keeping you still in line with what we need to have with regard to your asset allocation, and it's also making sure that you're not paying a lot in fees.\n\nIf you then move down to the next document, this is essentially showing the pay fee sorry, fee comparison table. Sorry about that. At the moment, within the hub twenty four and the plum, you've got your two balances at the very top there, and you are paying administration fees and investment hub twenty four, and your contributions are going in, and your insurance premiums are just being paid out at the plum super currently with your employer contributions with with the employer's contribution. You are in a growth portfolio between the two as per the previous asset allocation, but when we looked at the last three years and how that portfolio has averaged the return, Normally, it's and, look, it's different to what you can get. This is sort of looking at the asset allocation and what the portfolio has done, but we understand that what you're gonna get might be very different to what the portfolio has done.\n\nBut between the two funds, it's averaged about 12.97% on a yearly basis over the last three years. With the way we are making the recommendations and altering the portfolio, it's still giving you the high growth allocation, and the portfolio has averaged about 16.6% over the last three years. So it has averaged a higher a higher return, which is great. And if you look at the very top there with your administration fees and investment fees, it's actually saving you a little bit there. So with regard to admin fees, once we've done the rollover, left the 30,000 there in plum, we can see that we can save you on the first year about $18 in administration fees.\n\nDoesn't seem like a lot. However, when you consider the compounding effect, it can be quite significant. And with the newer portfolio, it also saves you roughly $971 in administration fees for the first year as well. So the newer portfolio is gonna be cheaper as well. Yep.\n\nDo you have any questions so far? Yeah. Perfect. The ongoing service fee is also in the account there on the hub 24 that stays applicable. Just so you are fully aware, it is 1.65% per annum.\n\nWe do cap it at 909,000 on a yearly basis. So once your balance gets 600,000 within the hub, we cap the fee. We don't charge 1.65% of, say, a million dollars. That will cap at some point, which we hope will be very soon for you. Your contributions, I still want to go into Plum Super to keep that going.\n\nAnd as I said, we will just sort of touch base every quarter with you, have a look at what's in the plum sleeper, and roll funds over when we need to to make sure you retain that $30,000 balance and with dollar cost averaging in the hub 24. Okay? Yep. That's net. Yep.\n\nThat's net. So after taxes. Mhmm. Yes. Yep.\n\nCorrect. Yep. And that's net. So it's after the 15% tax is taken out. Yep.\n\nMhmm. Yes. I would be very careful, though, because one thing you did make mention to me is that you do get like, this is basing it off the, your base income. I would just need to double check that you're like, to see if there's any additional contributions going in, and you are due to get, hopefully, a pay rise soon as well, so your pay could increase. What I'd probably wanna have a look at is if you have any catch up contributions to any cap space over the last couple of years that we could maybe utilize to maximize that if you wanted to make additional contributions, and your myGov will give you an idea of what your cap space looks like.\n\nSo before adding additional, I'd be very careful doing that. This is obviously giving you a conservative projection side of things by utilizing just the base, but I would be very careful adding additional contributions because when we sort of look at everything, you are quite close to the cap. So I would definitely be checking in myGov prior to making anything additional. Yeah. Yeah.\n\nYeah. Yep. Yeah. Correct. It's the con the concessional cap.\n\nSo the concessional contribution cap for this year is 30,000 per financial year. But if your income's been sort of going up and you have cap space in the last five years, we could utilize your catch up contributions if you wanted to go into your myGov. I can even send you an email and direct you through how to find the catch up contributions. But if you wanted to grab those for me, I could have a look at them, and we could always have chat about making some additional contributions if that's what you wanted to do as well. Yep.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nAnd I've actually got that for you. If you if you wanna scroll down to the next page, you can see what that looks like. Yeah. Sorry. This looks very different to the last sort of advice documents that you would have seen.\n\nWe've kinda broken everything up a little bit there, and this is why I wanted to have sort of a not sort of over have more of a conservative rate of return for you in this portfolio. Because looking at things like if you if the portfolio works the way it has over the next sort of five to ten years, you can sort of see where you where you're on trajectory to end up. In saying that, that high growth portfolio within this projection table, that is right up in over the next ten years. But anytime in the next ten years, you might ring me and go, hey. I'm not comfortable being in a high growth portfolio.\n\nI wanna maybe pull back a little bit and be a bit more conservative. So with that ten years somewhere, we may start reducing it back a little bit. So whilst, you know, I don't you're you're happy? You feel a bit more risky? Yep.\n\nPerfect. But, I mean, with your balance at where it is at the moment and with your contributions going in and how everything is looking for you at the moment, you are pretty well on track to hit a pretty decent figure. I would sort of be looking forward. In my eyes, I sort of focus on the next five years because you are still very young. Things can definitely change, and we do know in a high growth portfolio, we do expect a negative year to come about at least once in the next sort of six years depending on how markets go.\n\nSo I sort of focus mostly on this next sort of five years hoping that's where we're sort of heading. That's where I'd like you to be in the next five years, and we'll talk about, you know, keep reviewing things to make sure you're on track to sort of hit that figure. If we can get you there to the next ten years and have over 2 mil, great. But I don't have a bank on that because I understand markets go up and down. They have different reactions, and I don't expect you to end up getting 16.6% every single year.\n\nThis is how this portfolio has reacted every year when we do the research, but I'm honest and I'm open to let you know I don't expect you to get that return every single year. I do know some years you might get 25%. Other years, you might only get a 4% return. You'll have a negative return somewhere in there as well, and then maybe, like, a 10 or 15% return. The markets do go up and down, and the return varies every year, but we wanna take advantage of those ups and downs.\n\nAnd when we are seeing a bit of a dip, putting a bit of money in there and making sure we roll some money from Plum Super in the hub to take advantage of those downtime. So I like to be open and honest with you and let you know this is a projection. It's a beautiful projection, but I'm a realistic adviser as well. So Yep. Mhmm.\n\nYep. Yeah. Absolutely. Absolutely. Having a bit of a look at where people are you know, where the analyst is sort of projecting things to go this year with what's happening at the moment, on Monday was probably the the biggest time to see the the expectation of a dip with the military action over the course of the weekend.\n\nBut when we came in on Monday, there was a slight dip first time in first thing in the market, and then we saw it sort of come back. It was a bit volatile throughout the day, but by the end of the day, it had kinda come back and and recovered nicely. So we do expect with what's happening in Iran and with the military actions that we are gonna see those ups and downs, but that's why we also have a bit of gold in your portfolio. Because when equities aren't gonna do so well, people tend to move money into gold. And gold, I believe, last year, at the end of last year, ended at, like, a thirty year high.\n\nSo it was a it's pretty massively up there. Yeah. Even when we sort of look at what happened this year in February, gold took a massive dive in one day. It was down between 11 to 18%. But then the next, you know, day or two, it kinda came back and made a nice big recovery, and now it's higher than it was prior to that dip.\n\nSo gold is definitely a bit of a safe haven. It's def it's a growth asset, but it acts defensively because of the way we utilize it in portfolios. And I had a bit of a look at what the analysts are predicting there, and they don't see gold having a huge downturn this year. They're kind of expecting it to continue to steady up. So, you know, they're sort of projecting really good things for majority of the year, but I do think we're gonna see a bit of volatility in there.\n\nSo that's why having a bit of gold in your portfolio, having those core composite bonds as a defensive investment as well as that worldwide exposure through those other investments is gonna provide a bit more of a benefit. But I do definitely see some, you know, ups and downs with the equities there, and that's why I wanted to make your rollovers a little bit more regularly, sort of once every three months. Even if we're only rolling over a couple of 100 or a couple of thousand dollars, it doesn't matter. It's about putting regular amounts in so we take advantage of those market cycles. Because I can't tell when the bottom of the dip is gonna happen or when the top of the dip is gonna happen.\n\nNo one physically can. So it's about making sure we're just putting money in on a regular basis to take advantage of those cycles. Okay? Yeah. Perfect.\n\nBut that's a really cool projection table there. It is showing you where we're sort of tracking based on what we have with the research there. As I mentioned, I'm kinda focused on that five year side of things at the moment. Let's work on the next five years, and then we get to the five years and we work on the next five years as well. Because, I mean, ten years doesn't feel like a lot of time, but when you look back at what you've achieved over the last ten years, a lot can change in your life, and a lot will change over the next ten years probably as well.\n\nOkay? Perfect. Hopefully, more pay rises for you. Underneath that, it does show you kind of the annualized returns that the different portfolios have been able to receive as as per our research for you as well. Okay?\n\nExcellent. The next page outlines the insurance recommendation. So if you sort of think back to the original projection table, we have sort of noticed in that the insurance premiums within Plum had gone up, and the recommendation for the total that's death and TBD to be about $1,669 deducted for the insurance premiums. And that kinda goes on to this next recommendation. So we sort of talked about how, when we did your annual review, how you have the death cover inside on Super, which is the employer paid policy there, which is great.\n\nIt gives you a good level of cover in the event that something was to happen. However, you didn't have any TBD cover. And I went back and I had a look, and there doesn't seem to be any TBD benefit there. So we discussed applying for and looking at TBD to provide you with a level of cover in the event that you are permanently disabled or not able to go to work. One of the things we talked about was looking at income replacement, making sure you're covering the cost of your mortgage, and we talked about tax side of things as well.\n\nSo how TPD, in the event of a claim, if you're under the eighty sixty, can be taxed up to 22%, and you wanted to make sure that the mortgage could be cleared free and clear, factoring in the tax component there, and then making sure your super could be paid out on top of that for income replacement. Does that kinda ring a bell? And does that still sound fairly accurate? Yep. Perfect.\n\nSo I did a little bit of research to find out who would provide a decent amount of TBD and what you actually needed. When we had a look and did the calculation, you needed a bit over 900,000 of TBD to cover your mortgage free and clear tax free. We actually get discounts for every sort of 250,000 of TBD. So I've actually recommended that we apply for $1,000,000 of TBD with a sender, which used to be MLC. They've provided the cheapest rate.\n\nTBD inside Super just hasn't any occupation definition. So in order for you to claim, you just never be need to never be able to go back to work again for any occupation for which you are trained, educated, or have worked, and we just get two doctors, one to be a specialist to sign off on that. You'll probably see on the page here, I've also recommended life cover. That is because when we looked at the research and we looked at TPD, stand alone by itself, the premiums came out between 4 to $8,000 on a yearly basis. When we added life to the policy, it activated a multi policy discount and actually reduced your premiums to about so we got $1,101 or 936 deducted out of your super fund because you get a 15% rebate on the policy.\n\nSo adding the same amount of life to the TPD, gave you a cheaper premium, gives you more life on top of what you already have, and basically gives you that extra little bit of cover, and it's cheaper. Does that make sense? Isn't it, though? In the in the appendix, you'll see we've actually screenshotted the different the stand alone options and how much they actually go up in price. Pretty insane, isn't it?\n\nSure. Mhmm. Yep. Yep. Absolutely does.\n\nYep. So you'll get the extra benefit there. And I'll sort of let everyone know let your partner know that you do have us as your advisers and that you do have the life policy through. I sort of make it a point of saying, if they don't know about it, then it's hard to make a claim. So in the event that you were to pass away touch wood, nothing happens, however.\n\nBut if in the event that you were to pass away, at least having your partner know that we're your advisers, that we look after your insurance policy and your super means that they can contact us and we can assist. We do need to always one if you pass, talk to the executive of your state. So as long as that's your partner, it's not a problem at all. We will help with the claim, get all the paperwork sorted, and can also provide advice on how best to structure the money so that it provides a regular ongoing support and lasts as long as possible for them as well. Okay.\n\nYep. Perfect. But yeah. Yeah. Sorry.\n\nYeah. Yep. Yeah. Absolutely. Not a problem at all.\n\nSo that is essentially the recommendation on the insurance side of things. So as per the very top, we expected this policy, the yearly premium, the first you deducted out of super to be $9.36. You do get a 15% rebate on the policy. And so the insurer does receive that 1,101 and 10¢. However, you just pay a little bit less.\n\nYou get a rebate for the tax consequences inside super. And when we add that to the policy that is being paid out of Plumb already, the first year's net premium is expected to be 1,669 as a total. So that's how you get to that recommended figure at the very top there. Okay? It's a send out MLC.\n\nMhmm. Yep. Yep. So the projection that we just went through, that is including these insurance premiums being deducted. Yep.\n\nYep. Perfect. Yeah. Yep. Yep.\n\nDefinitely. Absolutely. This gives you extra level of cover there. As we kinda went through before, all our recommendations are are made under best interest duty. So on each of these pages, under those recommendations, I have noted the best interest duty as to how and why I've made the recommendations for you.\n\nFeel free to have a read through all of that. If you find you have any questions, let me know. We also have the advantages, the disadvantages, and the risks involved so you can run your eyes over all of that, just making sure that you're aware that you're making the decision while being fully informed. When it comes to retaining the two platforms, it does remain really good for you. Obviously, Plum is your employer paid policy.\n\nYou have the benefit of the death benefit there, and you do have a really good sum insured if anything was to happen. So retaining that is preferable. We have 24. The portfolio within that has been performing greater, and the two funds when we sort of look at everything is lower cost in fees. So it is really good and does work in your best interest to retain everything.\n\nThe alterations of portfolio stays you in fees, which is a benefit to you. And having a greater past performance can put you in a better position the longer the markets work the way they have in the in as in the past. With the insurances, having the TPD gives that level of cover structuring it so it's inside super is also a benefit. So you're not having to pay those premiums out of your back pocket. However, it is important to know as you kinda went through, the premiums coming out of super do have a effect on your time and figure there.\n\nSo it is really important that we do review those insurances. These insurances are stepped premiums, so they will get more and more expensive as you get older as the risk of you making a claim increases. So we will review them with you. And as you pay your mortgage down, as your super balance increases, we should be able to decrease the level of cover that you have. Does that all make sense?\n\nYeah. Perfect. Yeah. Mhmm. Yep.\n\nYep. Yep. And I've got that for you here. If you go down to page 26 for me, I'll run you through that now as well. That's where I'm going next.\n\nIt's all good. Don't worry. It's no. Yeah. You are absolutely fine, Ben.\n\nDon't ever hesitate. Just, you know, let me know what it will I'm sort of working this towards what you need because I know we are running a bit low on time. So yeah. No. Honestly, if bring up anything that you possibly have, I love it.\n\nIt's fantastic. On page 26 there, I did I I was able to get the authority applied. So we do have an authority on that policy with MetLife now. The only downside is they make us email everything. So it takes sometimes about four to five weeks for them to reply back to us, but I was able to get the information there.\n\nSo we did ask them to provide a quote to increase the policy. They'll increase it up to 75% of the income, which is actually more than most income protection policies cover now. Essentially, they'll assess the income once you go through the application, and they may increase it more than what they've been able to tell us, but they're going on what the income was that has been disclosed to them. Essentially, at the moment with the employer paid MetLife policy, you're not paying anything additional for that. It is paid by your employer.\n\nFor them to increase it sorry. You'll see on that table here, you've got your current income protection policy. This is a yearly benefit, so they break it down into a monthly amount. You're currently covered for about a 122,150 and 9¢. With the quote, they're able to increase up to a $154,009.66 and 53¢.\n\nThey're also including 10% employer con SGC, so employer contributions in the super, which at the moment is not on the policy. So we've opted to take the quote that does allow that because it means if you're off working on an income protection claim, they'll be paying something into your super fund as employer contributions, which is really important to keep your super working harder whilst you're off work as well. Essentially, this policy is owned by your employer, but you're the sum insured. They do say they are set premiums. You do have a ninety day waiting period, and it's an age 65 policy.\n\nSo you can be on a claim up to the age of 65, which is really good. In order to increase this as per the quote, the only amount they expect that you'll pay is a $123.82 per month, and they noted that that is paid by way of salary packaging, so salary sacrifice. So they'll deduct that out of your wages if that's the way you wanna go. I do have the quote in the appendix for you and attached to this doc attached to this email for you so you can have a look at it. It is a very basic quote that they're able to give to us, but increasing this increases it quite significantly.\n\nAnd, essentially, if your wage increases, you can continue to increase it along the lines of this. The only kind of downside is you will have to go through underwriting. So it is an application to fill out. If you wanna go ahead with the increase, we will help you as much as we absolutely can. We'll email them, let know you that you wanna go ahead with it, try and get the paperwork sent through, and help you to fill it out.\n\nEssentially, they will go through underwriting to assess any changes to your health. If there is anything that they assess as higher risk, there could be loadings and or exclusions aligned to the policy. But from everything we can see, there's really nothing. You're pretty healthy, so there doesn't seem to be any red flags that I would see at the moment as being an issue. But, essentially, increasing that cover significantly and adding the SDC contributions on there in the event that you're not able to go to work and paying that $123.82 per month out of your income to increase that, doesn't seem like too bad, Nadia.\n\nYeah. No. Sorry. That is a typo. It is actually monthly on the quote.\n\nYeah. Mhmm. Yeah. Absolutely. At the moment, we're only getting the six to 7% of your income, there's no employer contributions going into super if you're off work.\n\nThe increase in this on a month like, paying the extra on a monthly basis to increase the amount of cover that you're able to get is definitely worth while and including the employer contributions in the super absolutely. Because if anything was to happen, if you were off work, sort of thinking about your circumstances, you know, school fees, everything that you go through, looking at the current income protection amount, it's pretty significantly lower to what you're actually earning. So you might find it a little bit harder to live, might find expenses are a little bit tighter. Increasing that as much as you absolutely can, whilst it doesn't increase to a 100%, there's always gonna be a bit of a shortfall. Minimizing that shortfall is gonna provide a greater benefit for your family.\n\nAnd if you're off work for, say, two years, five years, or even up up to sixty five, without those employer contribution sorry. Without those employer contributions, your super is only working on itself. So having those employer contributions going into your super, even at, say, 10%, instead of the 12% you get now, it's still better than nothing. It's still helping to keep your super working harder, and it's still providing a benefit for the long term. Because with this income protection policy, even if you're off work to age 65, this stops at age 65.\n\nSo then you've still gotta find a way to live to the next twenty or thirty or forty years of retirement so your super still needs to work for you through those years. Yeah. Yeah. Cool. Yeah.\n\nThat's basically running through the advantages of this product. The downside is that you are gonna have a little bit less than you pay on a regular basis. The employer paid policy can increase, so it doesn't tell me anywhere. It they tell me it's a set premium. I don't know how much the premium increases by.\n\nI was very limited the information I was able to obtain. But every year when we do annual reviews with you, we'll keep reviewing the policy the same as the other insurance policies and keep making alterations as we can and as we need to. But yeah. Look. It's a good benefit.\n\nWe were stoked that they were able to give us the information. It did take about five or six weeks to come through, unfortunately. But once we got the quote, I think I was jumping in the air. It's pretty exciting. I was like, this is great.\n\nThey're actually telling us this information we need, which is really cool. So what we'll do is if you decide to go through with it, we'll email them back and let them know you wanna go through. We'll find out what you need to do and try to help you as much as we possibly can with that increase process. Okay? Yep.\n\nAbsolutely. Mhmm. Absolutely. We did, but it is it's still better to do it within MetLife. So we had a look at other options there.\n\nIt's way more expensive to get income protection through any other provider. Your the increased your MetLife was gonna be the cheapest option all around. And the fact that it's deducted out of your income instead of you having to make the premiums any other way is a lot cheaper. So it's a it's a pretty good product, and you've got a pretty good deal there for it. Mhmm.\n\nYep. Yep. Yep. Mhmm. Yeah.\n\nMhmm. Yep. Okay. Yeah. Yep.\n\nYeah. The policy. Yeah. If you can. Yeah.\n\nYep. Yep. That's fine. Yep. That's not a problem at all.\n\nOn the very last page, if there's anything that you wanna hold off on or any part of the advice that you choose you don't wanna proceed with, on the last page, you have a little text box, so on the authority to proceed. In that talks text box, if there's any section that you wanna hold off or not proceed with if you just wanna hold off for a few months, just sort of write down you don't wish to proceed yet. You wanna hold off and maybe review at a certain point in time. But you just need to add that little statement just in on that authority to proceed with the sections that you wanna hold off on, or not proceed with just so we have that as a record because the the advice remains appropriate as it is. It's just letting us know that you don't wish to proceed or certain, wish to hold off on certain aspects there.\n\nSo if you just write that on the last page there, that's absolutely fine. We'll take a note of that, and then we can proceed with the other sections for you. Okay? Yep. Yeah.\n\nYep. Yeah. Yeah. It's completely up to you. Doing it now means that if anything was to happen in the meantime, you do get that higher level of of cover to sort of back you.\n\nThe risk of not doing it now means that something could go wrong in saying that. There's obviously a small chance that something could go wrong. You could the next twelve months, next ten years, you could never claim on insurances. Nothing could go wrong. So it just comes down to your comfort level, what you're comfortable proceeding with at the time, and what risks you're willing to take.\n\nSo, I mean, you haven't had these insurances this high for a while, and you haven't had the claim yet. So just sorta have a think about your comfort level and what what you wanna do. Okay? And if you hold off and say, look. I wanna hold off until for a few months, we can just touch base in, you know, two, three months beginning in June.\n\nAnd if you say, hey. Look. Yeah. Let's do it. Or if you change your mind and you wanna go ahead, we'll just get you to put it in writing, and we can go ahead at any point in time.\n\nIt's not a problem. Yeah. Perfect. The last thing I do have to let you know is you do have the estate planning side scoped in as well. I am making a recommendation that we make sure all of your beneficiaries are up to date.\n\nOn the Plum Super, one of the statements we got said you did have a beneficiary nominated. The next one said there wasn't one. So I'm not sure if there is or isn't on the Plum Super account, but we're gonna make sure all your beneficiary nominations on Plum Super Hub twenty four and with your life policy with the sender if you decide to go that way are all updated. Finding, non lapsing, nominating a 100% to your partner. That way, if anything was to happen, it is all paid out nice and easily to her so she can, you know, she can continue to look after your family.\n\nIt just makes it all, you know, in line and dot so your i's crossed with your t's and make sure you have that level of protection aside. I've also, in here, added the estate planning side with the will and the and the power of attorney. So we aren't lawyers. We can't set up a will for you, but we can refer you to a solicitor. And if you like, I can send, sorry, just an information email to you, which gives you a bit of detail around the solicitor that we can refer you through to with a bit of a costing around what it that what they charge for a will, a bit of information around trust, and things like that just to maybe start the conversation off.\n\nOkay? Yeah. Perfect. Perfect. That is everything I needed to go through with you there, Ben.\n\nI know it is at 02:21 my time, so 03:21 your time. I know you do have to kinda head off now. The rest of the document just sorta outlines the ongoing service fees, and it's important to note that we do receive remuneration from insurance companies when insurances are written into place. It has no effect on our recommendations in any way, shape, or form. But in the document here on page number 39, it does outline that with a standard, if you do go through with the insurance policy, it's up to you.\n\nWe do receive 66% of the first year's premium and 22%, they're ongoing. It is legislated that we receive the exact same amount from all insurance companies, so it has not got anything to do with our recommendation. Everything I've recommended to you has to be in best interest, and that's why through this document, you see a best interest statement which outlines the reasoning and how the recommendations are in line your goals and in your best interest. Okay. Perfect.\n\nThat is basically everything in there. As you are going through, page number 41 outlines how we'll go through and and do the implementation there. And then on page number 42 at the very bottom, you should have a section there for a little text box, and you can just write in there what you do and or do not or wish to hold off on as part of the recommendations. Essentially, we make the recommendations to you outlining everything, and then it's up to you what you're comfortable to take on board. If you do have any additional questions after reading through, let me know.\n\nI know sometimes there are additional questions that come through after the conversation, so feel free to email me with anything that you need. And if we have to have another conversation, I'm more than happy to make time to come back and chat to you. Okay? That's okay, Ben. I hope you have a lovely afternoon.\n\nI know you're very time, Paul, but I appreciate you taking my call. Yes. Legend. Thank you so much. You have a good afternoon.\n\nThanks. See you later.","paragraphs":[{"sentences":[{"text":"Hi, Ben.","start":2.8799999,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.1940639168024063},{"text":"It's Dana from Ophiuch Financial.","start":3.4399998,"end":4.96,"sentiment":"neutral","sentiment_score":0.2503277748823166},{"text":"How are you this afternoon?","start":4.96,"end":6.18,"sentiment":"positive","sentiment_score":0.3355855345726013},{"text":"I'm very well.","start":8.32,"end":9.28,"sentiment":"positive","sentiment_score":0.7146026293436686},{"text":"Thank you.","start":9.28,"end":9.84,"sentiment":"positive","sentiment_score":0.7450259327888489}],"sentiment":"positive","sentiment_score":0.4089149490875356,"num_words":17,"start":2.8799999,"end":9.84},{"sentences":[{"text":"I had you booked in to go through your updated device document.","start":9.84,"end":12.559999,"sentiment":"positive","sentiment_score":0.3358119490245978},{"text":"Is now still a good time there for you?","start":12.559999,"end":14.565,"sentiment":"neutral","sentiment_score":0.3062601470284992},{"text":"Yep.","start":16.404999,"end":16.724998,"sentiment":"positive","sentiment_score":0.3789169788360596},{"text":"Fantastic.","start":16.724998,"end":17.205,"sentiment":"positive","sentiment_score":0.6250077486038208},{"text":"Do you happen to have access to your emails there as well?","start":17.205,"end":19.785,"sentiment":"neutral","sentiment_score":0.20259716485937437}],"sentiment":"neutral","sentiment_score":0.29203358335154395,"num_words":35,"start":9.84,"end":19.785},{"sentences":[{"text":"Yep.","start":21.685,"end":22.085,"sentiment":"neutral","sentiment_score":0.2133808732032776},{"text":"Beautiful.","start":22.085,"end":22.484999,"sentiment":"positive","sentiment_score":0.6505881547927856},{"text":"I'm just gonna send these emails through to you via email.","start":22.484999,"end":24.884998,"sentiment":"positive","sentiment_score":0.3527355031533675},{"text":"If you wanna pop in there and open that one up for me, then we can kinda go through it.","start":24.884998,"end":28.244999,"sentiment":"neutral","sentiment_score":0.3109026297926903},{"text":"That way you can see the document as I'm going through it to make it easier on yourself there.","start":28.244999,"end":32.309998,"sentiment":"positive","sentiment_score":0.3814369063628347}],"sentiment":"positive","sentiment_score":0.3501810265275148,"num_words":52,"start":21.685,"end":32.309998},{"sentences":[{"text":"Ben, before we jump into the call properly as well, just to let you know, we do record our calls for quality and training purposes moving forward.","start":32.77,"end":38.29,"sentiment":"neutral","sentiment_score":0.11385530854264896},{"text":"Are you happy for me to proceed with that?","start":38.29,"end":40.23,"sentiment":"neutral","sentiment_score":0.20352485610379112},{"text":"Lovely.","start":42.225,"end":42.465,"sentiment":"positive","sentiment_score":0.5071841478347778},{"text":"And I do need to do security day with you as well.","start":42.465,"end":44.704998,"sentiment":"neutral","sentiment_score":0.21443176517883936},{"text":"I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":44.704998,"end":48.805,"sentiment":"neutral","sentiment_score":0.12563339322805406}],"sentiment":"neutral","sentiment_score":0.15215724971199382,"num_words":69,"start":32.77,"end":48.805},{"sentences":[{"text":"Yeah.","start":51.024998,"end":51.524998,"sentiment":"neutral","sentiment_score":0.03177161142230034},{"text":"Yep.","start":52.305,"end":52.805,"sentiment":"neutral","sentiment_score":0.03418385982513428},{"text":"Yep.","start":55.12,"end":55.62,"sentiment":"neutral","sentiment_score":0.043843142688274384},{"text":"Perfect.","start":58.8,"end":59.3,"sentiment":"neutral","sentiment_score":0.19228479266166687},{"text":"Yep.","start":60.239998,"end":60.64,"sentiment":"neutral","sentiment_score":0.09345623850822447}],"sentiment":"neutral","sentiment_score":0.07910792902112007,"num_words":5,"start":51.024998,"end":60.64},{"sentences":[{"text":"Perfect.","start":60.64,"end":61.12,"sentiment":"neutral","sentiment_score":0.31720876693725586},{"text":"Thank you so much for that.","start":61.12,"end":62.739998,"sentiment":"positive","sentiment_score":0.5182033826907476},{"text":"I've just sent those emails sorry.","start":63.039997,"end":64.96,"sentiment":"neutral","sentiment_score":0.10066087668140729},{"text":"The email through to you there.","start":64.96,"end":66.24,"sentiment":"neutral","sentiment_score":0.059132710099220276},{"text":"Hopefully, it pops through fairly quickly.","start":66.24,"end":68.1,"sentiment":"neutral","sentiment_score":0.26099533090988797}],"sentiment":"neutral","sentiment_score":0.2380465027689934,"num_words":25,"start":60.64,"end":68.1},{"sentences":[{"text":"Your email, I've gotparkasolutions@hotmail.com.","start":68.595,"end":71.075005,"sentiment":"neutral","sentiment_score":0.03263369528576732},{"text":"There's been no changes there at all?","start":71.075005,"end":73.015,"sentiment":"neutral","sentiment_score":-0.04361442103981972},{"text":"No?","start":74.355,"end":74.855,"sentiment":"neutral","sentiment_score":-0.06707876920700073},{"text":"Perfect.","start":75.395004,"end":75.895004,"sentiment":"neutral","sentiment_score":0.194461852312088},{"text":"Lovely.","start":76.195,"end":76.675,"sentiment":"neutral","sentiment_score":0.22691351175308228}],"sentiment":"neutral","sentiment_score":0.0128236020516072,"num_words":14,"start":68.595,"end":76.675},{"sentences":[{"text":"Thank you for that.","start":76.675,"end":77.895004,"sentiment":"positive","sentiment_score":0.33680322021245956},{"text":"No.","start":80.53001,"end":80.770004,"sentiment":"neutral","sentiment_score":-0.12205378711223602},{"text":"That's okay.","start":80.770004,"end":81.41,"sentiment":"neutral","sentiment_score":-0.04314265586435795},{"text":"You're absolutely fine.","start":81.41,"end":82.79,"sentiment":"neutral","sentiment_score":0.1863968422015508},{"text":"Perfect.","start":87.490005,"end":87.990005,"sentiment":"neutral","sentiment_score":0.1235610842704773}],"sentiment":"neutral","sentiment_score":0.16560230844400145,"num_words":11,"start":76.675,"end":87.990005},{"sentences":[{"text":"It should come through I think it says my name on there, so Dana Taylor, and it should come through from OdooSign.","start":88.61,"end":93.350006,"sentiment":"neutral","sentiment_score":0.07675863777033308},{"text":"Yep.","start":97.555,"end":97.955,"sentiment":"neutral","sentiment_score":0.09251247346401216},{"text":"Perfect.","start":97.955,"end":98.455,"sentiment":"neutral","sentiment_score":0.26882433891296387},{"text":"That's the one.","start":100.19501,"end":100.915,"sentiment":"neutral","sentiment_score":0.009029330064853033},{"text":"So on the front there, the statement of advice has been prepared for yourself, Benjamin Parker, there as of today yesterday's date, sorry, the 03/04/2026.","start":100.915,"end":109.86,"sentiment":"neutral","sentiment_score":-0.015482093039900065}],"sentiment":"neutral","sentiment_score":0.03250120206771848,"num_words":52,"start":88.61,"end":109.86},{"sentences":[{"text":"It's insane.","start":109.94,"end":110.58,"sentiment":"negative","sentiment_score":-0.5473061501979828},{"text":"The year is flying by already.","start":110.58,"end":112.2,"sentiment":"negative","sentiment_score":-0.44970737397670746},{"text":"Will be at Christmas again in no time.","start":114.26,"end":116.28,"sentiment":"negative","sentiment_score":-0.340187456458807},{"text":"On the bottom there, it has been prepared by myself, Dana Taylor, and my authorized representative number is 13043 94.","start":117.3,"end":124.1,"sentiment":"neutral","sentiment_score":0.03392963516525924},{"text":"Okay?","start":124.1,"end":124.6,"sentiment":"neutral","sentiment_score":0.012163195759058}],"sentiment":"neutral","sentiment_score":-0.15739460261790333,"num_words":37,"start":109.94,"end":124.6},{"sentences":[{"text":"If you scroll forward now sorry.","start":126.875,"end":130.315,"sentiment":"neutral","sentiment_score":-0.004265246136734883},{"text":"You're right.","start":130.315,"end":130.975,"sentiment":"neutral","sentiment_score":-0.01185387559235096},{"text":"So the first one there is the statement of advice.","start":137.93,"end":140.33,"sentiment":"neutral","sentiment_score":0.04447146058082581},{"text":"So when you open the email there, it should have a little button that says sign.","start":140.33,"end":144.41,"sentiment":"neutral","sentiment_score":0.054183688247576356},{"text":"If you click on that, it takes you forward so you can move through the document there, but it doesn't ask you to sign anything straight away.","start":144.41,"end":150.97,"sentiment":"neutral","sentiment_score":0.05494591538552885}],"sentiment":"neutral","sentiment_score":0.045014657461863075,"num_words":61,"start":126.875,"end":150.97},{"sentences":[{"text":"So you don't have to sign anything until after you've read it through.","start":150.97,"end":154.565,"sentiment":"neutral","sentiment_score":0.031672835493317016},{"text":"Yeah.","start":155.82501,"end":156.32501,"sentiment":"neutral","sentiment_score":0.04678865894675255},{"text":"Yep.","start":159.505,"end":160.005,"sentiment":"neutral","sentiment_score":0.046955253928899765},{"text":"That's okay.","start":160.545,"end":161.265,"sentiment":"neutral","sentiment_score":0.12355414032936096},{"text":"That's not a problem at all.","start":161.265,"end":163.045,"sentiment":"neutral","sentiment_score":0.24169455468654633}],"sentiment":"neutral","sentiment_score":0.0957724514376858,"num_words":23,"start":150.97,"end":163.045},{"sentences":[{"text":"Yep.","start":166.40001,"end":166.88,"sentiment":"neutral","sentiment_score":0.19794276356697085},{"text":"Perfect.","start":166.88,"end":167.38,"sentiment":"positive","sentiment_score":0.3461598753929138},{"text":"Okay.","start":167.92,"end":168.42,"sentiment":"neutral","sentiment_score":0.17544451355934143},{"text":"So as you are scrolling past the first page there, the next page does basically note down that all the advice is provided under best interest duty, which is part of the corporations.","start":168.56,"end":177.78,"sentiment":"neutral","sentiment_score":0.11658165626453632},{"text":"That's just about just making sure that we know what your goals are, what your circumstances are to the fullest extent to make sure any advice provided is in your best interest and there to help you meet your goals.","start":177.84001,"end":187.605,"sentiment":"neutral","sentiment_score":0.19108817894011737}],"sentiment":"neutral","sentiment_score":0.1606614337743897,"num_words":76,"start":166.40001,"end":187.605},{"sentences":[{"text":"Okay?","start":187.605,"end":188.105,"sentiment":"neutral","sentiment_score":0.08010931313037872},{"text":"Beautiful.","start":189.445,"end":189.945,"sentiment":"positive","sentiment_score":0.4524759650230408},{"text":"Scrolling forward to page number three, and this is just running you through the areas that this advice is touching on.","start":190.88501,"end":196.5,"sentiment":"neutral","sentiment_score":0.18280921024935587},{"text":"So scoping in and scoping out.","start":196.5,"end":198.6,"sentiment":"neutral","sentiment_score":0.07345882679025333},{"text":"We've got here superannuation.","start":198.82,"end":199.88,"sentiment":"neutral","sentiment_score":0.13253370113670826}],"sentiment":"neutral","sentiment_score":0.16189292299024988,"num_words":33,"start":187.605,"end":199.88},{"sentences":[{"text":"So we're working towards your goal of being able to hopefully retire at the age of 60 there.","start":200.26001,"end":204.26001,"sentiment":"neutral","sentiment_score":0.23226754201783073},{"text":"You wanted a comfortable lifestyle.","start":204.26001,"end":205.8,"sentiment":"neutral","sentiment_score":0.31054498851299284},{"text":"You still have a lot of time on your side before we reach that goal, but we are working towards that with this advice document and any thereafter.","start":206.1,"end":212.655,"sentiment":"neutral","sentiment_score":0.20073424013597624},{"text":"Okay?","start":213.035,"end":213.535,"sentiment":"neutral","sentiment_score":0.04857129603624344},{"text":"We've also scoped in sorry.","start":215.035,"end":216.795,"sentiment":"neutral","sentiment_score":0.006875808909535408}],"sentiment":"neutral","sentiment_score":0.20064999584696794,"num_words":57,"start":200.26001,"end":216.795},{"sentences":[{"text":"You're right?","start":216.795,"end":217.455,"sentiment":"neutral","sentiment_score":0.007024811580777168},{"text":"Yeah.","start":223.45,"end":223.95,"sentiment":"neutral","sentiment_score":0.02032521739602089},{"text":"Okay.","start":227.45,"end":227.95,"sentiment":"neutral","sentiment_score":0.003161038737744093},{"text":"It's 01:30 here.","start":233.94499,"end":234.985,"sentiment":"neutral","sentiment_score":-0.016095974172155064},{"text":"So it's 02:30 in New South Wales and Victoria.","start":234.985,"end":237.565,"sentiment":"neutral","sentiment_score":-0.0009460463705990049}],"sentiment":"neutral","sentiment_score":-0.001204153784783557,"num_words":16,"start":216.795,"end":237.565},{"sentences":[{"text":"Okay.","start":244.2,"end":244.48,"sentiment":"neutral","sentiment_score":-0.00617138110101223},{"text":"No.","start":244.48,"end":244.76,"sentiment":"neutral","sentiment_score":-0.11235719919204712},{"text":"That's that's okay.","start":244.76,"end":247.16,"sentiment":"neutral","sentiment_score":-0.02595840021967888},{"text":"I what I'll do is I will just kinda go through things a little bit faster than I would, and then you I'll just have some of the points where I sorta have to to make it easier on you.","start":247.16,"end":256.845,"sentiment":"neutral","sentiment_score":0.2324064016342163},{"text":"And then I can let you go back and you can read it through, and then you can always come back and let me know if there's any additional questions or anything.","start":257.325,"end":263.885,"sentiment":"neutral","sentiment_score":0.3079679375514388}],"sentiment":"neutral","sentiment_score":0.2461665751436701,"num_words":77,"start":244.2,"end":263.885},{"sentences":[{"text":"Is that okay?","start":263.885,"end":264.525,"sentiment":"positive","sentiment_score":0.33331333597501117},{"text":"Is it making it a bit easier for you?","start":264.525,"end":266.305,"sentiment":"positive","sentiment_score":0.34427035848299664},{"text":"Yeah.","start":267.725,"end":268.225,"sentiment":"neutral","sentiment_score":0.29555708169937134},{"text":"Oh, good.","start":268.285,"end":269.005,"sentiment":"positive","sentiment_score":0.4986403286457062},{"text":"Not a problem at all.","start":269.005,"end":270.385,"sentiment":"positive","sentiment_score":0.47407676577568053}],"sentiment":"positive","sentiment_score":0.3880797401070595,"num_words":20,"start":263.885,"end":270.385},{"sentences":[{"text":"This that's okay.","start":271.645,"end":273.3,"sentiment":"positive","sentiment_score":0.48868727684020996},{"text":"It's not a problem at all.","start":273.3,"end":274.25998,"sentiment":"positive","sentiment_score":0.41702239215373993},{"text":"If anything comes up, you go, Dana, I have to go.","start":274.25998,"end":276.41998,"sentiment":"neutral","sentiment_score":0.21736743233420633},{"text":"It's not an issue.","start":276.41998,"end":277.22,"sentiment":"neutral","sentiment_score":0.23822208866477013},{"text":"We can always come back and and have another conversation.","start":277.22,"end":279.72,"sentiment":"neutral","sentiment_score":0.2623949185013771}],"sentiment":"neutral","sentiment_score":0.29223751408212323,"num_words":34,"start":271.645,"end":279.72},{"sentences":[{"text":"Okay.","start":280.02,"end":280.52,"sentiment":"neutral","sentiment_score":0.24640201032161713},{"text":"Easy.","start":282.25998,"end":282.75998,"sentiment":"neutral","sentiment_score":0.3315792679786682},{"text":"The rest of the scoping section there, so we have looked at insurances.","start":283.69998,"end":287.24,"sentiment":"neutral","sentiment_score":0.19371476081701425},{"text":"Obviously, that is part of you do have your insurances employer paid in Plum Super Day.","start":287.825,"end":291.665,"sentiment":"neutral","sentiment_score":0.2584163760766387},{"text":"You've also got your employer paid income protection policy.","start":291.665,"end":294.64502,"sentiment":"neutral","sentiment_score":0.21819567845927346}],"sentiment":"neutral","sentiment_score":0.22986740730702876,"num_words":40,"start":280.02,"end":294.64502},{"sentences":[{"text":"We were able to get some information around those policies, and we were also looking at some TBD cover because it's something that you don't have but wanted to look at getting.","start":295.025,"end":303.27,"sentiment":"neutral","sentiment_score":0.197997901821509},{"text":"So I have made some recommendations around those for you.","start":303.27,"end":306.25,"sentiment":"positive","sentiment_score":0.37066906690597534},{"text":"We're also looking at the estate planning side of things and making sure that beneficiary nominations are up to date.","start":307.27,"end":312.22998,"sentiment":"neutral","sentiment_score":0.18911504801362752},{"text":"You wanted to make sure if anything happens that your beneficiaries were all covered, that in the event of passing prematurely, touch wood, it never happens, that all the funds are paid to your wife as you continue to look after your family.","start":312.22998,"end":324.075,"sentiment":"neutral","sentiment_score":0.20906474787828533},{"text":"Okay?","start":324.215,"end":324.715,"sentiment":"neutral","sentiment_score":0.11274105310440063}],"sentiment":"neutral","sentiment_score":0.21629669527821946,"num_words":106,"start":295.025,"end":324.715},{"sentences":[{"text":"Scoping out areas of trauma.","start":326.375,"end":328.215,"sentiment":"neutral","sentiment_score":-0.08546758145093918},{"text":"So it's an additional insurance policy paid out of your back pocket.","start":328.215,"end":331.09998,"sentiment":"neutral","sentiment_score":0.10117259932061036},{"text":"You didn't really wanna look at that for the time being, and that's absolutely okay.","start":331.09998,"end":334.69998,"sentiment":"neutral","sentiment_score":0.12699595938126246},{"text":"We can look at that down the track.","start":334.69998,"end":336.47998,"sentiment":"positive","sentiment_score":0.3584085777401924},{"text":"And you were also focusing on paying down your mortgage as quickly as possible there.","start":336.78,"end":340.86,"sentiment":"neutral","sentiment_score":0.31145639419555665}],"sentiment":"neutral","sentiment_score":0.18601431291211734,"num_words":55,"start":326.375,"end":340.86},{"sentences":[{"text":"So, again, we've scoped out that area for now, but it's down the track.","start":340.86,"end":343.81998,"sentiment":"neutral","sentiment_score":0.16950863706214087},{"text":"If you track, if you want a cash on budgeting advice, we can absolutely help you as well.","start":343.81998,"end":348.265,"sentiment":"positive","sentiment_score":0.4081785985165172},{"text":"Okay?","start":348.265,"end":348.765,"sentiment":"neutral","sentiment_score":0.1937205046415329},{"text":"To make it easier on you, if I can get you, sorry, to scroll down for me, just to page number 12.","start":350.90503,"end":357.14502,"sentiment":"neutral","sentiment_score":0.15810589255257088},{"text":"This is essentially running through the the start of the recommendations, and I'll take you through from here.","start":357.14502,"end":362.58,"sentiment":"neutral","sentiment_score":0.1054373909201887}],"sentiment":"neutral","sentiment_score":0.20945560095244892,"num_words":73,"start":340.86,"end":362.58},{"sentences":[{"text":"The heading there for you, Ben, should say strategy recommendations.","start":364.63998,"end":367.78,"sentiment":"neutral","sentiment_score":0.06947208568453789},{"text":"Yep.","start":370.16,"end":370.56,"sentiment":"neutral","sentiment_score":0.22853659093379977},{"text":"Perfect.","start":370.56,"end":371.06,"sentiment":"positive","sentiment_score":0.5183930993080139},{"text":"Perfect.","start":371.945,"end":372.445,"sentiment":"positive","sentiment_score":0.49838441610336304},{"text":"So I did go back and do some really good in-depth research around Pumpsilba for you to understand what the product is.","start":372.505,"end":377.86502,"sentiment":"neutral","sentiment_score":0.3024682781913064}],"sentiment":"neutral","sentiment_score":0.24555248809712274,"num_words":35,"start":364.63998,"end":377.86502},{"sentences":[{"text":"It is an employer policy and really understand in-depth about the insurance that you do hold in there.","start":377.86502,"end":383.14502,"sentiment":"neutral","sentiment_score":0.17001986958914334},{"text":"Read the PDF from cover to cover as well for you.","start":383.14502,"end":385.98,"sentiment":"neutral","sentiment_score":0.12051034718751907},{"text":"We are making a recommendation again that we do remain to keep your plumb super.","start":386.7,"end":391.04,"sentiment":"neutral","sentiment_score":0.1834084212779999},{"text":"When I did speak to them, the insurance policies within plumb, they are employ or it's death death only, so life only.","start":391.26,"end":398.16,"sentiment":"neutral","sentiment_score":0.026377948847683994},{"text":"It doesn't have a TBD component attached to it.","start":398.535,"end":401.595,"sentiment":"neutral","sentiment_score":0.017434241043196783}],"sentiment":"neutral","sentiment_score":0.10499094446500143,"num_words":75,"start":377.86502,"end":401.595},{"sentences":[{"text":"But, essentially, when I was able to do the research with them, it is an employer paid policy.","start":402.21503,"end":407.095,"sentiment":"neutral","sentiment_score":0.1309755142364237},{"text":"So your employer is making contributions to cover the cost of the insurance premiums on your behalf, and the amount the employer pays for that PlumSafe account towards your well, I consider them concessional contributions.","start":407.095,"end":419.16998,"sentiment":"neutral","sentiment_score":0.17429251096078327},{"text":"So it does go towards your contributions cap there.","start":419.31,"end":421.88998,"sentiment":"neutral","sentiment_score":0.15553140723043019},{"text":"But, essentially, your your employer does pay for the insurances.","start":422.18997,"end":425.715,"sentiment":"neutral","sentiment_score":0.1352074731141329},{"text":"And when I had a really good look at the fee structure, the plum fee structure wasn't too bad at all for that scenario.","start":425.715,"end":432.215,"sentiment":"neutral","sentiment_score":0.2558967579777042}],"sentiment":"neutral","sentiment_score":0.1807414242454494,"num_words":96,"start":402.21503,"end":432.215},{"sentences":[{"text":"So I am recommending that we do retain that for the time being.","start":432.91498,"end":435.79498,"sentiment":"neutral","sentiment_score":0.2390285489650873},{"text":"Keep your contributions going into plum and hold the debt cover within that.","start":435.79498,"end":439.735,"sentiment":"neutral","sentiment_score":0.3111975834919856},{"text":"I'm also recommending that we do retain hub twenty four as well.","start":440.38998,"end":444.22998,"sentiment":"neutral","sentiment_score":0.18112069927155972},{"text":"However, I went back and had a really good look at the portfolio, and I am making a recommendation to alter some of the investments within the portfolio, and I'll show you that very shortly.","start":444.22998,"end":452.96997,"sentiment":"neutral","sentiment_score":0.2221667753798621},{"text":"Okay?","start":453.11,"end":453.61,"sentiment":"neutral","sentiment_score":0.16502505540847778}],"sentiment":"neutral","sentiment_score":0.23334122036357183,"num_words":74,"start":432.91498,"end":453.61},{"sentences":[{"text":"I'm also recommending that we do still retain a balance in Plum Super of 30,000.","start":455.285,"end":460.665,"sentiment":"neutral","sentiment_score":0.22895779808362324},{"text":"I wanna make sure that our team are contacting you every quarter moving forward.","start":460.965,"end":464.965,"sentiment":"neutral","sentiment_score":0.28025858636413303},{"text":"We'll double check the balance within the Plum Super there, and anything over that 30,000 is gonna be rolled into hub twenty four.","start":464.965,"end":471.22998,"sentiment":"neutral","sentiment_score":0.20582567673662436},{"text":"I wanna do this on a quarterly basis for you because your balance is increasing on a much faster rate.","start":471.61,"end":476.97,"sentiment":"neutral","sentiment_score":0.30482602789998053},{"text":"Smaller changes in the market are gonna have a bigger effect in your balance, and we have seen some of ups and downs over the past year there.","start":476.97,"end":483.855,"sentiment":"neutral","sentiment_score":-0.08098161020981413}],"sentiment":"neutral","sentiment_score":0.15921013217419386,"num_words":100,"start":455.285,"end":483.855},{"sentences":[{"text":"So having smaller amounts moved from Plum Super into Hub twenty four on a more regular basis means that you're sort of dollar cost averaging a little bit more.","start":484.17502,"end":492.255,"sentiment":"neutral","sentiment_score":0.18919935822486877},{"text":"So it helps to take advantage of downtimes in the market, and, obviously, it takes advantage of those uptimes as well.","start":492.255,"end":498.495,"sentiment":"neutral","sentiment_score":0.2017886819584029},{"text":"So it's about making sure that we're moving smaller amounts in on a regular basis to take advantage of market reactions whilst keeping enough money in your plum super to retain your insurances and also make sure that we're covering in case that we saw a bit of a downturn.","start":498.495,"end":513.51,"sentiment":"neutral","sentiment_score":0.20903837211430074},{"text":"The other side of that is I'm also making a recommendation around the insurance side of things with TBD.","start":514.755,"end":520.135,"sentiment":"neutral","sentiment_score":0.10471097948519807},{"text":"So I wanna make sure that Plum Super has enough to cover all your insurance premiums.","start":520.27496,"end":524.935,"sentiment":"neutral","sentiment_score":0.19096426805481315}],"sentiment":"neutral","sentiment_score":0.18682369788487752,"num_words":135,"start":484.17502,"end":524.935},{"sentences":[{"text":"Okay?","start":525.075,"end":525.575,"sentiment":"neutral","sentiment_score":0.2148369699716568},{"text":"Perfect.","start":527.41,"end":527.91,"sentiment":"positive","sentiment_score":0.5434212684631348},{"text":"With this one here, if I can get you just to scroll sorry.","start":529.73,"end":533.25,"sentiment":"neutral","sentiment_score":0.16134538329564607},{"text":"Scroll down a bit further for me.","start":533.25,"end":534.85,"sentiment":"neutral","sentiment_score":0.07155297004750796},{"text":"I'll show you the changes to the portfolio.","start":534.85,"end":537.27,"sentiment":"neutral","sentiment_score":0.09063114318996668}],"sentiment":"neutral","sentiment_score":0.13605560523768265,"num_words":30,"start":525.075,"end":537.27},{"sentences":[{"text":"So on page number 16 then, I went through and had a really good look at your portfolio, how it was working.","start":537.57,"end":543.13495,"sentiment":"neutral","sentiment_score":0.2753910598429767},{"text":"You are in a high growth portfolio.","start":543.13495,"end":544.735,"sentiment":"positive","sentiment_score":0.44231943999017986},{"text":"You are happy to stay in a high growth portfolio, which is absolutely fine.","start":544.735,"end":548.435,"sentiment":"positive","sentiment_score":0.5438827254942485},{"text":"And at the moment, in your super fund in Plum, you have a bit over 51,509.","start":548.815,"end":553.615,"sentiment":"neutral","sentiment_score":0.043658961774781346},{"text":"So it has been fine to stay at the moment while we've been going through and doing the research because the funds are currently invested.","start":553.615,"end":560.3338,"sentiment":"neutral","sentiment_score":0.2645616829395294}],"sentiment":"neutral","sentiment_score":0.28668789303905906,"num_words":84,"start":537.57,"end":560.3338},{"sentences":[{"text":"But to make sure that we do keep just that 30,000 in there for you for the time being, we are gonna move about 21,509 and 32 out of fund and put it into hub twenty four.","start":560.3338,"end":572.565,"sentiment":"neutral","sentiment_score":0.09888359582101977},{"text":"When we're inside hub twenty four there, I've made some changes.","start":573.025,"end":576.465,"sentiment":"neutral","sentiment_score":0.007488759403878992},{"text":"So been along the Australian Equities there, which is the second one down, when I had a really good look at the portfolio, that has been underperforming for the last couple of months there.","start":576.465,"end":585.72,"sentiment":"neutral","sentiment_score":-0.23526006915113507},{"text":"So we are making a recommendation to remove that solely from your portfolio.","start":585.72,"end":589.5,"sentiment":"negative","sentiment_score":-0.4314757998173053},{"text":"From there, to keep your Australian equities component, we're actually gonna move the money into on the bottom of that same page, you'll see the beta shares Aussie 200, so a 200.","start":591.0,"end":600.77997,"sentiment":"neutral","sentiment_score":0.011210048833163455}],"sentiment":"neutral","sentiment_score":-0.07486800619907032,"num_words":127,"start":560.3338,"end":600.77997},{"sentences":[{"text":"We're actually gonna buy into that, and that's gonna replace the Ben along Australian equities.","start":601.125,"end":605.865,"sentiment":"neutral","sentiment_score":0.021558170268932978},{"text":"Essentially, what's happened that we've noticed coming back this year is that Ben along one of the underlying investments within that managed fund.","start":606.16504,"end":614.34503,"sentiment":"neutral","sentiment_score":-0.07345322989251303},{"text":"Corporate Traveler, unfortunately, has been had a bit of an issue late last year.","start":614.405,"end":618.56,"sentiment":"negative","sentiment_score":-0.5811467064278466},{"text":"They were kind of being a bit dishonest to the market there.","start":618.56,"end":621.3,"sentiment":"negative","sentiment_score":-0.7156938463449478},{"text":"That had been reported to the market with their normal reporting obligations as a public company.","start":621.44,"end":625.94,"sentiment":"negative","sentiment_score":-0.45207914151251316}],"sentiment":"neutral","sentiment_score":-0.31654622554779055,"num_words":80,"start":601.125,"end":625.94},{"sentences":[{"text":"And then because Bennelong held them, unfortunately, it meant that Corporate Traveler had to be reevaluated.","start":626.16,"end":630.98,"sentiment":"negative","sentiment_score":-0.46843351051211357},{"text":"And then Bennelong, because they still hold them, had to be reevaluated as well.","start":631.685,"end":635.685,"sentiment":"negative","sentiment_score":-0.3442494879875864},{"text":"So it meant that Bennelong has now been underperforming.","start":635.685,"end":638.02496,"sentiment":"negative","sentiment_score":-0.5281478133466508},{"text":"We don't want you to have underperforming funds, so we're gonna remove that out of your portfolio and change the exposure.","start":638.565,"end":643.945,"sentiment":"negative","sentiment_score":-0.43983513542584013},{"text":"The BetaShares Australia two hundred is still giving you exposure to, essentially, the top 200 companies in Australia.","start":644.91,"end":650.93,"sentiment":"neutral","sentiment_score":0.07142544103165467}],"sentiment":"neutral","sentiment_score":-0.3207517849424711,"num_words":78,"start":626.16,"end":650.93},{"sentences":[{"text":"The difference here is that the BetaShares Aussie two hundred is more of a passively managed portfolio.","start":651.07,"end":655.65,"sentiment":"neutral","sentiment_score":-0.005889935309396071},{"text":"The idea of having Benelong was that it was more actively managed there, and Van Along as an investment manager, their role was to try and outperform against the market.","start":656.03,"end":664.635,"sentiment":"neutral","sentiment_score":0.10818037490049998},{"text":"They haven't done that.","start":664.695,"end":665.97504,"sentiment":"negative","sentiment_score":-0.34797848761081696},{"text":"And when I sort of looked at what they were doing, they haven't been actively managing their portfolios at all.","start":665.97504,"end":670.61505,"sentiment":"neutral","sentiment_score":-0.24318494722247125},{"text":"They haven't been buying and selling or maneuvering anything there.","start":670.61505,"end":673.815,"sentiment":"negative","sentiment_score":-0.3467726856470108}],"sentiment":"neutral","sentiment_score":-0.08121058524206833,"num_words":81,"start":651.07,"end":673.815},{"sentences":[{"text":"They kind of have been holding steady on what they believe is correct.","start":673.815,"end":677.73,"sentiment":"neutral","sentiment_score":-0.22402317821979523},{"text":"So because it's underperforming, it's not doing you any favors.","start":678.43,"end":681.47,"sentiment":"negative","sentiment_score":-0.5898156315088272},{"text":"It's time to remove that app.","start":681.47,"end":683.17,"sentiment":"negative","sentiment_score":-0.5603363613287607},{"text":"The beta shares Aussie 200 still giving you access to Australian shares.","start":683.38995,"end":688.015,"sentiment":"neutral","sentiment_score":0.15938408114016056},{"text":"It's still giving you access to the top 200 companies on the ASX.","start":688.015,"end":691.395,"sentiment":"neutral","sentiment_score":0.3213466795591208}],"sentiment":"neutral","sentiment_score":-0.1126362961475496,"num_words":54,"start":673.815,"end":691.395},{"sentences":[{"text":"And one of the good things about this sort of investment is there's a certain criteria to be in the Aussie 200, the top 200 companies.","start":691.775,"end":699.215,"sentiment":"positive","sentiment_score":0.40808327610676104},{"text":"So when a company falls out of being in that top 200, that means within the beta shares Australia 200, that company is removed as well.","start":699.215,"end":706.57996,"sentiment":"neutral","sentiment_score":0.23533690033050683},{"text":"So you don't have to have that underlying active management to still get good returns.","start":706.57996,"end":711.07996,"sentiment":"positive","sentiment_score":0.41409383217493695},{"text":"It's just about making sure you still have the right asset allocation, but that we're not paying too much.","start":711.94,"end":717.365,"sentiment":"positive","sentiment_score":0.4112440159446315},{"text":"And the management fees, the beta shares Aussie 200 is actually cheaper than Bannalung.","start":717.365,"end":722.105,"sentiment":"positive","sentiment_score":0.5545415282249451}],"sentiment":"positive","sentiment_score":0.3851754976809025,"num_words":100,"start":691.775,"end":722.105},{"sentences":[{"text":"So we've been able to maneuver the portfolio, remove underperforming investments, put you keep your exposure working the same way for you, and also make sure we kind of reduce the fees a little bit for you as well.","start":722.245,"end":734.88,"sentiment":"positive","sentiment_score":0.48754891141867024},{"text":"Does that make sense?","start":734.88,"end":735.94,"sentiment":"neutral","sentiment_score":0.19855733960866928},{"text":"Yeah.","start":742.8,"end":743.3,"sentiment":"neutral","sentiment_score":0.05670132488012314},{"text":"Yeah.","start":743.78503,"end":744.025,"sentiment":"neutral","sentiment_score":0.05702114850282669},{"text":"Yeah.","start":744.025,"end":744.34503,"sentiment":"neutral","sentiment_score":0.0920073539018631}],"sentiment":"positive","sentiment_score":0.435094928935818,"num_words":46,"start":722.245,"end":744.34503},{"sentences":[{"text":"Very similar.","start":744.34503,"end":745.065,"sentiment":"neutral","sentiment_score":0.1364278942346573},{"text":"They track the top 200 companies on the ASX.","start":745.065,"end":747.72504,"sentiment":"neutral","sentiment_score":0.12826098915603426},{"text":"The queue up.","start":757.80005,"end":758.7,"sentiment":"neutral","sentiment_score":-0.0022418908774852753},{"text":"Yeah.","start":760.44,"end":760.94,"sentiment":"neutral","sentiment_score":0.02421521209180355},{"text":"It is it is giving you exposure to the top 200 companies.","start":761.32,"end":764.62,"sentiment":"neutral","sentiment_score":0.0623032059520483}],"sentiment":"neutral","sentiment_score":0.08119750747250186,"num_words":27,"start":744.34503,"end":764.62},{"sentences":[{"text":"It's not so much doubling up because we have we've changed the exposure levels in there.","start":764.68005,"end":769.83496,"sentiment":"neutral","sentiment_score":-0.07036257372237742},{"text":"Essentially, the a 200 gives you more of an income producing, so they actually pay really good dividends.","start":770.535,"end":775.595,"sentiment":"positive","sentiment_score":0.5117129799392488},{"text":"But between the two, you're not overexposing.","start":775.735,"end":777.595,"sentiment":"neutral","sentiment_score":0.15507238571132934},{"text":"You're not doubling up in any way, shape, or form.","start":777.89496,"end":780.235,"sentiment":"neutral","sentiment_score":0.12247944697737694},{"text":"The beta shares Rafi 200 does track the top 200 companies, but there is some changes.","start":780.8,"end":785.92,"sentiment":"neutral","sentiment_score":0.17060646694153547}],"sentiment":"neutral","sentiment_score":0.19589607612188184,"num_words":67,"start":764.68005,"end":785.92},{"sentences":[{"text":"They also track some of the short some of the lower two sorry.","start":785.92,"end":789.54,"sentiment":"neutral","sentiment_score":0.08362620209272091},{"text":"Some of the lower 200 as well.","start":789.92,"end":791.92,"sentiment":"neutral","sentiment_score":0.09967628866434097},{"text":"So they look at the what's the biggest companies in Australia on the ASX.","start":791.92,"end":796.415,"sentiment":"neutral","sentiment_score":0.19512593746185303},{"text":"They're also giving you a little bit more diversification over different areas.","start":796.415,"end":799.875,"sentiment":"neutral","sentiment_score":0.3106619057555993},{"text":"When we look at what they're invested in, the two comp the two investments alone is not overexposing you in any way, shape, or form.","start":800.415,"end":808.11005,"sentiment":"neutral","sentiment_score":0.19900408029556274}],"sentiment":"neutral","sentiment_score":0.1861927133630699,"num_words":71,"start":785.92,"end":808.11005},{"sentences":[{"text":"It's about giving you diversification, but the beta shares a 200 actually gives you higher dividends, which is probably really good as well.","start":808.11005,"end":814.83,"sentiment":"positive","sentiment_score":0.5462520977725154},{"text":"So between the two of them, it's giving you good exposure.","start":814.83,"end":818.35004,"sentiment":"positive","sentiment_score":0.3920129185373133},{"text":"It's giving you diversification.","start":818.35004,"end":819.33,"sentiment":"positive","sentiment_score":0.4444612041115761},{"text":"We're definitely not overexposing in any way, shape, or form or doubling up too much.","start":820.27496,"end":824.535,"sentiment":"neutral","sentiment_score":0.16433958187699318},{"text":"It's just about making sure you've got a good a good range of assets in there.","start":824.915,"end":830.45496,"sentiment":"neutral","sentiment_score":0.31311341747641563}],"sentiment":"positive","sentiment_score":0.3786767185058283,"num_words":69,"start":808.11005,"end":830.45496},{"sentences":[{"text":"Yeah.","start":832.29,"end":832.79,"sentiment":"positive","sentiment_score":0.337756872177124},{"text":"Perfect.","start":832.93,"end":833.43,"sentiment":"positive","sentiment_score":0.4515443444252014},{"text":"You will also see we do still have the China new economy.","start":834.05,"end":837.83,"sentiment":"neutral","sentiment_score":0.2192387655377388},{"text":"Still just keeping that in there for you.","start":837.89,"end":840.61,"sentiment":"neutral","sentiment_score":0.2125137336552143},{"text":"It hasn't been performing too badly.","start":840.61,"end":842.31,"sentiment":"neutral","sentiment_score":0.08905122491220634}],"sentiment":"neutral","sentiment_score":0.20194941506321942,"num_words":28,"start":832.29,"end":842.31},{"sentences":[{"text":"Physical Gold has been doing extremely well.","start":842.76996,"end":844.89,"sentiment":"neutral","sentiment_score":0.1850273758172989},{"text":"I don't know if you've been watching that in any way, shape, or form, But physical gold has done very, very well, so we're keeping that in there for you.","start":844.89,"end":851.395,"sentiment":"neutral","sentiment_score":0.23230880567183096},{"text":"We are rebalancing the portfolio, so you will see us just selling some of those investments down a little bit.","start":851.395,"end":856.59503,"sentiment":"neutral","sentiment_score":0.2724603325128555},{"text":"It's just by bringing you back into line so you're not overexposed or, you know, taking on too much risk in any way.","start":856.59503,"end":863.09,"sentiment":"neutral","sentiment_score":0.14849070022287575},{"text":"We also still keep the BetaShares cybersecurity.","start":864.03,"end":866.37,"sentiment":"neutral","sentiment_score":0.1926341631582805}],"sentiment":"neutral","sentiment_score":0.2123837666478993,"num_words":87,"start":842.76996,"end":866.37},{"sentences":[{"text":"The S and P 500 is the top 500 companies within The US there, and we've also got the Fair Neck Australian property keeping that in there for you as well.","start":866.67,"end":875.055,"sentiment":"neutral","sentiment_score":0.23059189800293214},{"text":"The other one we are looking to remove is the BetaShares Bank hybrids there.","start":875.855,"end":880.255,"sentiment":"neutral","sentiment_score":0.07484727991478783},{"text":"So that's the third one down from the top.","start":880.255,"end":882.755,"sentiment":"neutral","sentiment_score":0.0999001016219457},{"text":"That one there is bank hybrids have sort of more of a complex investment.","start":883.695,"end":888.095,"sentiment":"neutral","sentiment_score":0.02675595839640924},{"text":"They work very similar to bonds where you're purchasing some investments within the top four banks.","start":888.095,"end":893.29,"sentiment":"neutral","sentiment_score":0.05651499459054321}],"sentiment":"neutral","sentiment_score":0.12350160717254594,"num_words":84,"start":866.67,"end":893.29},{"sentences":[{"text":"Bank hybrids have been quite good because they act like shares where you can trade them and they do get additional growth.","start":893.75,"end":899.67,"sentiment":"positive","sentiment_score":0.38513339920477435},{"text":"However, they are more of an income producing asset.","start":899.67,"end":902.57,"sentiment":"neutral","sentiment_score":0.2641280988852183},{"text":"They have been seen as lower risk over the last couple of years, and like bonds, they tend to pay coupon or interest payments, which is really cool.","start":902.675,"end":909.735,"sentiment":"neutral","sentiment_score":0.28756037301250864},{"text":"However, the government are choosing to phase those out over the next couple of years there.","start":910.035,"end":914.115,"sentiment":"neutral","sentiment_score":0.0351537826936692},{"text":"So we're taking the advantage whilst we are reviewing your portfolio to remove those now before we have to, and then the additional will be distributed between the other investments there.","start":914.115,"end":925.19,"sentiment":"neutral","sentiment_score":0.2079792825445052}],"sentiment":"neutral","sentiment_score":0.24444902263019444,"num_words":106,"start":893.75,"end":925.19},{"sentences":[{"text":"And on the next page, you'll see we're also keeping the iShares core composite bond there.","start":925.41,"end":930.445,"sentiment":"neutral","sentiment_score":0.1133401608094573},{"text":"So we're buying a bit more into the core into buying into the core composite bond to give you some bond exposure to keep your defensive side of your allocation.","start":930.445,"end":938.705,"sentiment":"neutral","sentiment_score":0.14947626094023386},{"text":"Does that make sense?","start":939.005,"end":940.065,"sentiment":"neutral","sentiment_score":0.09858435206115246},{"text":"Yep.","start":941.04004,"end":941.54004,"sentiment":"neutral","sentiment_score":0.177117258310318},{"text":"Perfect.","start":941.76,"end":942.26,"sentiment":"positive","sentiment_score":0.4881560206413269}],"sentiment":"neutral","sentiment_score":0.14148732862220362,"num_words":52,"start":925.41,"end":942.26},{"sentences":[{"text":"Yeah.","start":945.84,"end":946.32,"sentiment":"neutral","sentiment_score":0.2201356291770935},{"text":"Yeah.","start":946.32,"end":946.82,"sentiment":"neutral","sentiment_score":0.26340731978416443},{"text":"Perfect.","start":946.88,"end":947.38,"sentiment":"positive","sentiment_score":0.355339378118515},{"text":"Yeah.","start":947.60004,"end":948.10004,"sentiment":"neutral","sentiment_score":0.27511078119277954},{"text":"Yep.","start":948.16003,"end":948.66003,"sentiment":"positive","sentiment_score":0.34296929836273193}],"sentiment":"neutral","sentiment_score":0.29139248132705686,"num_words":5,"start":945.84,"end":948.66003},{"sentences":[{"text":"It's good to have some defensive assets in there, and core composite bonds are really good.","start":948.8,"end":952.96,"sentiment":"positive","sentiment_score":0.5646737068891525},{"text":"It's giving you access to not only government banking bonds.","start":952.96,"end":956.02,"sentiment":"positive","sentiment_score":0.46420312821865084},{"text":"It's giving you access to a good diversification there.","start":956.585,"end":959.325,"sentiment":"positive","sentiment_score":0.532887899213367},{"text":"Bonds do tend to get a lower rate of return.","start":959.945,"end":962.185,"sentiment":"positive","sentiment_score":0.4086039811372757},{"text":"They are seen as lower risk, but they're good for income producing, like having dividends paid out of your shares.","start":962.185,"end":967.945,"sentiment":"positive","sentiment_score":0.4594688966870308}],"sentiment":"positive","sentiment_score":0.48843414508379424,"num_words":65,"start":948.8,"end":967.945},{"sentences":[{"text":"You wanna have income that's coming into your portfolio.","start":967.945,"end":970.445,"sentiment":"positive","sentiment_score":0.4154069589243995},{"text":"It goes into your cash account, gets reinvested into your portfolio, and it helps the, you know, compounding, buying back into those investments whenever you can and compounding over the longer term.","start":970.505,"end":981.14,"sentiment":"positive","sentiment_score":0.37598381843417883},{"text":"Perfect.","start":982.96,"end":983.46,"sentiment":"positive","sentiment_score":0.4146994948387146},{"text":"All good.","start":983.75494,"end":984.57495,"sentiment":"positive","sentiment_score":0.4047703146934509},{"text":"If you keep scrolling down there for me, you'll see this proposed asset allocation.","start":985.75494,"end":989.995,"sentiment":"neutral","sentiment_score":0.12403365543910436}],"sentiment":"neutral","sentiment_score":0.32294579518252403,"num_words":58,"start":967.945,"end":989.995},{"sentences":[{"text":"So at the moment, within a high growth asset allocation, you generally see sort of 90% in growth assets and 10% in defensive assets.","start":989.995,"end":997.375,"sentiment":"neutral","sentiment_score":0.2162545546889305},{"text":"Sorry.","start":998.22,"end":998.45996,"sentiment":"neutral","sentiment_score":-0.08254796266555786},{"text":"If I keep pausing on you, I do apologize.","start":998.45996,"end":1000.22,"sentiment":"neutral","sentiment_score":-0.14777167555358675},{"text":"I've got the hiccups this afternoon.","start":1000.22,"end":1002.0,"sentiment":"neutral","sentiment_score":-0.254247506459554},{"text":"I'm so sorry.","start":1002.06,"end":1002.88,"sentiment":"neutral","sentiment_score":-0.15815575420856476}],"sentiment":"neutral","sentiment_score":0.04134102252333663,"num_words":43,"start":989.995,"end":1002.88},{"sentences":[{"text":"Your existing portfolio shows you have about 93.19% in growth investments and then about six point 81% in defensive investments there.","start":1004.54,"end":1013.385,"sentiment":"neutral","sentiment_score":0.13966610353617442},{"text":"Okay?","start":1013.545,"end":1014.045,"sentiment":"neutral","sentiment_score":0.11538396775722504},{"text":"With the proposed changes that we've made above there, essentially, we would see your growth investments increasing slightly to 9494.85%, and then we're just decreasing your defensive investments a little bit to about 5.15% there.","start":1014.66504,"end":1029.59,"sentiment":"neutral","sentiment_score":0.17709228971174784},{"text":"So it's increasing your growth investments a little bit, decreasing the defensive.","start":1029.59,"end":1033.35,"sentiment":"neutral","sentiment_score":0.31453192979097366},{"text":"It's keeping you still in line with what we need to have with regard to your asset allocation, and it's also making sure that you're not paying a lot in fees.","start":1033.35,"end":1042.25,"sentiment":"neutral","sentiment_score":0.30044388122135596}],"sentiment":"neutral","sentiment_score":0.2233474575728178,"num_words":100,"start":1004.54,"end":1042.25},{"sentences":[{"text":"If you then move down to the next document, this is essentially showing the pay fee sorry, fee comparison table.","start":1042.765,"end":1049.505,"sentiment":"neutral","sentiment_score":0.03406897415407002},{"text":"Sorry about that.","start":1050.525,"end":1051.505,"sentiment":"neutral","sentiment_score":-0.03601300219694773},{"text":"At the moment, within the hub twenty four and the plum, you've got your two balances at the very top there, and you are paying administration fees and investment hub twenty four, and your contributions are going in, and your insurance premiums are just being paid out at the plum super currently with your employer contributions with with the employer's contribution.","start":1052.285,"end":1072.865,"sentiment":"neutral","sentiment_score":0.09562165375615729},{"text":"You are in a growth portfolio between the two as per the previous asset allocation, but when we looked at the last three years and how that portfolio has averaged the return, Normally, it's and, look, it's different to what you can get.","start":1074.045,"end":1087.5499,"sentiment":"neutral","sentiment_score":0.04087411551628002},{"text":"This is sort of looking at the asset allocation and what the portfolio has done, but we understand that what you're gonna get might be very different to what the portfolio has done.","start":1087.5499,"end":1096.125,"sentiment":"neutral","sentiment_score":-0.020317022208914612}],"sentiment":"neutral","sentiment_score":0.04683366618701257,"num_words":160,"start":1042.765,"end":1096.125},{"sentences":[{"text":"But between the two funds, it's averaged about 12.97% on a yearly basis over the last three years.","start":1096.365,"end":1102.305,"sentiment":"neutral","sentiment_score":0.06949998748799165},{"text":"With the way we are making the recommendations and altering the portfolio, it's still giving you the high growth allocation, and the portfolio has averaged about 16.6% over the last three years.","start":1102.525,"end":1113.18,"sentiment":"positive","sentiment_score":0.3527845339849591},{"text":"So it has averaged a higher a higher return, which is great.","start":1113.18,"end":1118.16,"sentiment":"positive","sentiment_score":0.5950311397512754},{"text":"And if you look at the very top there with your administration fees and investment fees, it's actually saving you a little bit there.","start":1118.3,"end":1123.965,"sentiment":"positive","sentiment_score":0.47216572364171344},{"text":"So with regard to admin fees, once we've done the rollover, left the 30,000 there in plum, we can see that we can save you on the first year about $18 in administration fees.","start":1123.965,"end":1133.505,"sentiment":"positive","sentiment_score":0.439232224927229}],"sentiment":"positive","sentiment_score":0.38288626295203965,"num_words":120,"start":1096.365,"end":1133.505},{"sentences":[{"text":"Doesn't seem like a lot.","start":1133.725,"end":1135.085,"sentiment":"neutral","sentiment_score":-0.1274643987417221},{"text":"However, when you consider the compounding effect, it can be quite significant.","start":1135.085,"end":1138.785,"sentiment":"positive","sentiment_score":0.4040428896745046},{"text":"And with the newer portfolio, it also saves you roughly $971 in administration fees for the first year as well.","start":1139.6699,"end":1146.6299,"sentiment":"positive","sentiment_score":0.5781421601772309},{"text":"So the newer portfolio is gonna be cheaper as well.","start":1146.6299,"end":1150.33,"sentiment":"positive","sentiment_score":0.6348119080066681},{"text":"Yep.","start":1152.4049,"end":1152.885,"sentiment":"neutral","sentiment_score":0.13891202211380005}],"sentiment":"positive","sentiment_score":0.46377222891896963,"num_words":48,"start":1133.725,"end":1152.885},{"sentences":[{"text":"Do you have any questions so far?","start":1152.885,"end":1154.505,"sentiment":"neutral","sentiment_score":0.07443884653704506},{"text":"Yeah.","start":1157.445,"end":1157.945,"sentiment":"neutral","sentiment_score":0.1742072552442551},{"text":"Perfect.","start":1158.005,"end":1158.505,"sentiment":"positive","sentiment_score":0.4247586131095886},{"text":"The ongoing service fee is also in the account there on the hub 24 that stays applicable.","start":1159.5249,"end":1164.105,"sentiment":"neutral","sentiment_score":0.1846849830711589},{"text":"Just so you are fully aware, it is 1.65% per annum.","start":1164.4049,"end":1168.23,"sentiment":"neutral","sentiment_score":0.10923741012811661}],"sentiment":"neutral","sentiment_score":0.14760254101978765,"num_words":37,"start":1152.885,"end":1168.23},{"sentences":[{"text":"We do cap it at 909,000 on a yearly basis.","start":1168.37,"end":1171.65,"sentiment":"neutral","sentiment_score":0.10481346622109414},{"text":"So once your balance gets 600,000 within the hub, we cap the fee.","start":1171.65,"end":1175.27,"sentiment":"neutral","sentiment_score":0.11764633426299462},{"text":"We don't charge 1.65% of, say, a million dollars.","start":1175.5701,"end":1179.015,"sentiment":"neutral","sentiment_score":0.0902914669778612},{"text":"That will cap at some point, which we hope will be very soon for you.","start":1180.615,"end":1184.855,"sentiment":"neutral","sentiment_score":0.23354454934597016},{"text":"Your contributions, I still want to go into Plum Super to keep that going.","start":1184.855,"end":1188.295,"sentiment":"positive","sentiment_score":0.4990281675543104}],"sentiment":"neutral","sentiment_score":0.22753643928492656,"num_words":61,"start":1168.37,"end":1188.295},{"sentences":[{"text":"And as I said, we will just sort of touch base every quarter with you, have a look at what's in the plum sleeper, and roll funds over when we need to to make sure you retain that $30,000 balance and with dollar cost averaging in the hub 24.","start":1188.295,"end":1199.9,"sentiment":"neutral","sentiment_score":0.20731039208417035},{"text":"Okay?","start":1199.9,"end":1200.4,"sentiment":"neutral","sentiment_score":0.04902070760726929},{"text":"Yep.","start":1203.74,"end":1204.2201,"sentiment":"neutral","sentiment_score":0.018369512632489204},{"text":"That's net.","start":1204.2201,"end":1205.2001,"sentiment":"neutral","sentiment_score":0.01781483832746744},{"text":"Yep.","start":1206.495,"end":1206.995,"sentiment":"neutral","sentiment_score":0.0035949754528701305}],"sentiment":"neutral","sentiment_score":0.190089334897628,"num_words":54,"start":1188.295,"end":1206.995},{"sentences":[{"text":"That's net.","start":1207.6951,"end":1208.415,"sentiment":"neutral","sentiment_score":0.0020925605203956366},{"text":"So after taxes.","start":1208.415,"end":1209.555,"sentiment":"neutral","sentiment_score":0.0015103357533613841},{"text":"Mhmm.","start":1210.895,"end":1211.395,"sentiment":"neutral","sentiment_score":0.015872027724981308},{"text":"Yes.","start":1212.8151,"end":1213.295,"sentiment":"neutral","sentiment_score":0.04805230349302292},{"text":"Yep.","start":1213.295,"end":1213.6951,"sentiment":"neutral","sentiment_score":0.05156794190406799}],"sentiment":"neutral","sentiment_score":0.015526050177868456,"num_words":8,"start":1207.6951,"end":1213.6951},{"sentences":[{"text":"Correct.","start":1213.6951,"end":1214.1951,"sentiment":"neutral","sentiment_score":0.07602111995220184},{"text":"Yep.","start":1214.255,"end":1214.755,"sentiment":"neutral","sentiment_score":0.05406305938959122},{"text":"And that's net.","start":1216.415,"end":1217.295,"sentiment":"neutral","sentiment_score":0.04052453736464182},{"text":"So it's after the 15% tax is taken out.","start":1217.295,"end":1220.1951,"sentiment":"neutral","sentiment_score":0.02244433553682433},{"text":"Yep.","start":1222.1799,"end":1222.6799,"sentiment":"neutral","sentiment_score":0.011730211786925793}],"sentiment":"neutral","sentiment_score":0.031025801536937556,"num_words":15,"start":1213.6951,"end":1222.6799},{"sentences":[{"text":"Mhmm.","start":1228.1799,"end":1228.6799,"sentiment":"neutral","sentiment_score":-0.0005495077930390835},{"text":"Yes.","start":1238.515,"end":1238.995,"sentiment":"neutral","sentiment_score":0.02097445912659168},{"text":"I would be very careful, though, because one thing you did make mention to me is that you do get like, this is basing it off the, your base income.","start":1238.995,"end":1246.88,"sentiment":"neutral","sentiment_score":-0.09186565826336543},{"text":"I would just need to double check that you're like, to see if there's any additional contributions going in, and you are due to get, hopefully, a pay rise soon as well, so your pay could increase.","start":1247.1,"end":1256.8,"sentiment":"neutral","sentiment_score":-0.007658729480730521},{"text":"What I'd probably wanna have a look at is if you have any catch up contributions to any cap space over the last couple of years that we could maybe utilize to maximize that if you wanted to make additional contributions, and your myGov will give you an idea of what your cap space looks like.","start":1257.42,"end":1273.005,"sentiment":"neutral","sentiment_score":0.12141481248129692}],"sentiment":"neutral","sentiment_score":0.0302424936927855,"num_words":125,"start":1228.1799,"end":1273.005},{"sentences":[{"text":"So before adding additional, I'd be very careful doing that.","start":1273.005,"end":1276.78,"sentiment":"neutral","sentiment_score":-0.20561720058321953},{"text":"This is obviously giving you a conservative projection side of things by utilizing just the base, but I would be very careful adding additional contributions because when we sort of look at everything, you are quite close to the cap.","start":1276.78,"end":1289.475,"sentiment":"neutral","sentiment_score":-0.15414259005337955},{"text":"So I would definitely be checking in myGov prior to making anything additional.","start":1290.515,"end":1294.615,"sentiment":"neutral","sentiment_score":-0.06924247684387061},{"text":"Yeah.","start":1296.6749,"end":1297.1749,"sentiment":"neutral","sentiment_score":0.0271790474653244},{"text":"Yeah.","start":1298.6749,"end":1299.1749,"sentiment":"neutral","sentiment_score":0.043637681752443314}],"sentiment":"neutral","sentiment_score":-0.13924940119569118,"num_words":65,"start":1273.005,"end":1299.1749},{"sentences":[{"text":"Yeah.","start":1304.05,"end":1304.55,"sentiment":"neutral","sentiment_score":0.025123417377471924},{"text":"Yep.","start":1313.665,"end":1314.165,"sentiment":"neutral","sentiment_score":-0.03359340503811836},{"text":"Yeah.","start":1315.585,"end":1315.985,"sentiment":"neutral","sentiment_score":0.06689953804016113},{"text":"Correct.","start":1315.985,"end":1316.225,"sentiment":"neutral","sentiment_score":0.11781013011932372},{"text":"It's the con the concessional cap.","start":1316.225,"end":1318.145,"sentiment":"neutral","sentiment_score":0.11167056982715924}],"sentiment":"neutral","sentiment_score":0.0846263099461794,"num_words":10,"start":1304.05,"end":1318.145},{"sentences":[{"text":"So the concessional contribution cap for this year is 30,000 per financial year.","start":1318.145,"end":1323.685,"sentiment":"neutral","sentiment_score":0.1141649172283136},{"text":"But if your income's been sort of going up and you have cap space in the last five years, we could utilize your catch up contributions if you wanted to go into your myGov.","start":1324.465,"end":1332.99,"sentiment":"neutral","sentiment_score":0.20895202852347317},{"text":"I can even send you an email and direct you through how to find the catch up contributions.","start":1333.45,"end":1337.47,"sentiment":"neutral","sentiment_score":0.28058770133389366},{"text":"But if you wanted to grab those for me, I could have a look at them, and we could always have chat about making some additional contributions if that's what you wanted to do as well.","start":1338.33,"end":1346.795,"sentiment":"neutral","sentiment_score":0.24783218445049393},{"text":"Yep.","start":1348.6951,"end":1349.1951,"sentiment":"neutral","sentiment_score":0.1279095709323883}],"sentiment":"neutral","sentiment_score":0.22244078165614137,"num_words":102,"start":1318.145,"end":1349.1951},{"sentences":[{"text":"Yeah.","start":1352.295,"end":1352.795,"sentiment":"neutral","sentiment_score":0.1139378547668457},{"text":"Yeah.","start":1353.0951,"end":1353.5951,"sentiment":"neutral","sentiment_score":0.08640164881944656},{"text":"Yeah.","start":1354.535,"end":1355.035,"sentiment":"neutral","sentiment_score":0.10265788435935974},{"text":"Yeah.","start":1362.72,"end":1362.9601,"sentiment":"neutral","sentiment_score":0.14534857869148254},{"text":"Yeah.","start":1362.9601,"end":1363.4601,"sentiment":"neutral","sentiment_score":0.17243042588233948}],"sentiment":"neutral","sentiment_score":0.12415527850389481,"num_words":5,"start":1352.295,"end":1363.4601},{"sentences":[{"text":"And I've actually got that for you.","start":1364.24,"end":1365.8401,"sentiment":"neutral","sentiment_score":0.2892847316605704},{"text":"If you if you wanna scroll down to the next page, you can see what that looks like.","start":1365.8401,"end":1369.9401,"sentiment":"neutral","sentiment_score":0.19890548123253715},{"text":"Yeah.","start":1373.335,"end":1373.735,"sentiment":"neutral","sentiment_score":0.0029484815895557404},{"text":"Sorry.","start":1373.735,"end":1374.055,"sentiment":"neutral","sentiment_score":-0.08745130151510239},{"text":"This looks very different to the last sort of advice documents that you would have seen.","start":1374.055,"end":1378.075,"sentiment":"neutral","sentiment_score":-0.09542747191153467}],"sentiment":"neutral","sentiment_score":0.09288254449533861,"num_words":43,"start":1364.24,"end":1378.075},{"sentences":[{"text":"We've kinda broken everything up a little bit there, and this is why I wanted to have sort of a not sort of over have more of a conservative rate of return for you in this portfolio.","start":1378.295,"end":1388.15,"sentiment":"neutral","sentiment_score":0.14122924540896672},{"text":"Because looking at things like if you if the portfolio works the way it has over the next sort of five to ten years, you can sort of see where you where you're on trajectory to end up.","start":1388.15,"end":1397.505,"sentiment":"neutral","sentiment_score":0.2277487985005504},{"text":"In saying that, that high growth portfolio within this projection table, that is right up in over the next ten years.","start":1397.825,"end":1405.765,"sentiment":"neutral","sentiment_score":0.16362524139029638},{"text":"But anytime in the next ten years, you might ring me and go, hey.","start":1405.825,"end":1408.625,"sentiment":"neutral","sentiment_score":-0.13358320508684432},{"text":"I'm not comfortable being in a high growth portfolio.","start":1408.625,"end":1410.865,"sentiment":"negative","sentiment_score":-0.5016951825883653}],"sentiment":"neutral","sentiment_score":0.09185415947762858,"num_words":119,"start":1378.295,"end":1410.865},{"sentences":[{"text":"I wanna maybe pull back a little bit and be a bit more conservative.","start":1410.865,"end":1413.75,"sentiment":"neutral","sentiment_score":-0.18235713882105692},{"text":"So with that ten years somewhere, we may start reducing it back a little bit.","start":1413.89,"end":1418.13,"sentiment":"neutral","sentiment_score":-0.14840123156706492},{"text":"So whilst, you know, I don't you're you're happy?","start":1418.13,"end":1424.29,"sentiment":"neutral","sentiment_score":-0.1370088006887171},{"text":"You feel a bit more risky?","start":1424.29,"end":1425.67,"sentiment":"negative","sentiment_score":-0.3864966481924057},{"text":"Yep.","start":1428.505,"end":1428.8251,"sentiment":"neutral","sentiment_score":0.18822890520095825}],"sentiment":"neutral","sentiment_score":-0.18095219127006001,"num_words":45,"start":1410.865,"end":1428.8251},{"sentences":[{"text":"Perfect.","start":1428.8251,"end":1429.2251,"sentiment":"positive","sentiment_score":0.4377042949199677},{"text":"But, I mean, with your balance at where it is at the moment and with your contributions going in and how everything is looking for you at the moment, you are pretty well on track to hit a pretty decent figure.","start":1429.2251,"end":1439.405,"sentiment":"positive","sentiment_score":0.4567972305344372},{"text":"I would sort of be looking forward.","start":1439.865,"end":1441.885,"sentiment":"neutral","sentiment_score":0.32018526111330303},{"text":"In my eyes, I sort of focus on the next five years because you are still very young.","start":1442.3099,"end":1446.3099,"sentiment":"neutral","sentiment_score":-0.029313291940424178},{"text":"Things can definitely change, and we do know in a high growth portfolio, we do expect a negative year to come about at least once in the next sort of six years depending on how markets go.","start":1446.3099,"end":1456.455,"sentiment":"neutral","sentiment_score":-0.2911330834031105}],"sentiment":"neutral","sentiment_score":0.09719350224790665,"num_words":104,"start":1428.8251,"end":1456.455},{"sentences":[{"text":"So I sort of focus mostly on this next sort of five years hoping that's where we're sort of heading.","start":1456.455,"end":1460.9349,"sentiment":"neutral","sentiment_score":-0.004100155457854271},{"text":"That's where I'd like you to be in the next five years, and we'll talk about, you know, keep reviewing things to make sure you're on track to sort of hit that figure.","start":1460.9349,"end":1467.4349,"sentiment":"neutral","sentiment_score":0.30104345579942066},{"text":"If we can get you there to the next ten years and have over 2 mil, great.","start":1467.83,"end":1472.09,"sentiment":"positive","sentiment_score":0.5453722652267007},{"text":"But I don't have a bank on that because I understand markets go up and down.","start":1472.47,"end":1476.0701,"sentiment":"neutral","sentiment_score":-0.25772463344037533},{"text":"They have different reactions, and I don't expect you to end up getting 16.6% every single year.","start":1476.0701,"end":1482.25,"sentiment":"neutral","sentiment_score":-0.23541903320480795}],"sentiment":"neutral","sentiment_score":0.1067771042868929,"num_words":103,"start":1456.455,"end":1482.25},{"sentences":[{"text":"This is how this portfolio has reacted every year when we do the research, but I'm honest and I'm open to let you know I don't expect you to get that return every single year.","start":1482.4249,"end":1492.365,"sentiment":"neutral","sentiment_score":-0.03796233313956431},{"text":"I do know some years you might get 25%.","start":1492.4249,"end":1495.0,"sentiment":"neutral","sentiment_score":-0.06388894013232654},{"text":"Other years, you might only get a 4% return.","start":1495.0,"end":1497.4,"sentiment":"neutral","sentiment_score":-0.12390347570180893},{"text":"You'll have a negative return somewhere in there as well, and then maybe, like, a 10 or 15% return.","start":1497.4,"end":1501.64,"sentiment":"neutral","sentiment_score":-0.2440512686183578},{"text":"The markets do go up and down, and the return varies every year, but we wanna take advantage of those ups and downs.","start":1501.64,"end":1507.9,"sentiment":"neutral","sentiment_score":-0.02962061568446781}],"sentiment":"neutral","sentiment_score":-0.08775854386193188,"num_words":95,"start":1482.4249,"end":1507.9},{"sentences":[{"text":"And when we are seeing a bit of a dip, putting a bit of money in there and making sure we roll some money from Plum Super in the hub to take advantage of those downtime.","start":1507.96,"end":1516.105,"sentiment":"neutral","sentiment_score":0.03396477401838638},{"text":"So I like to be open and honest with you and let you know this is a projection.","start":1516.405,"end":1520.885,"sentiment":"positive","sentiment_score":0.3740567159321573},{"text":"It's a beautiful projection, but I'm a realistic adviser as well.","start":1520.885,"end":1524.325,"sentiment":"positive","sentiment_score":0.509086860851808},{"text":"So Yep.","start":1524.325,"end":1528.0,"sentiment":"neutral","sentiment_score":0.10506466031074524},{"text":"Mhmm.","start":1536.86,"end":1537.36,"sentiment":"neutral","sentiment_score":-0.03222617879509926}],"sentiment":"neutral","sentiment_score":0.2019648729799562,"num_words":68,"start":1507.96,"end":1537.36},{"sentences":[{"text":"Yep.","start":1539.595,"end":1539.915,"sentiment":"neutral","sentiment_score":0.0604117214679718},{"text":"Yeah.","start":1539.915,"end":1540.3151,"sentiment":"neutral","sentiment_score":0.11280179768800735},{"text":"Absolutely.","start":1540.3151,"end":1540.8151,"sentiment":"neutral","sentiment_score":0.19597667455673215},{"text":"Absolutely.","start":1541.355,"end":1541.855,"sentiment":"neutral","sentiment_score":0.2156242877244949},{"text":"Having a bit of a look at where people are you know, where the analyst is sort of projecting things to go this year with what's happening at the moment, on Monday was probably the the biggest time to see the the expectation of a dip with the military action over the course of the weekend.","start":1542.475,"end":1557.71,"sentiment":"neutral","sentiment_score":0.054233379129852564}],"sentiment":"neutral","sentiment_score":0.06036472854514917,"num_words":60,"start":1539.595,"end":1557.71},{"sentences":[{"text":"But when we came in on Monday, there was a slight dip first time in first thing in the market, and then we saw it sort of come back.","start":1557.71,"end":1563.87,"sentiment":"neutral","sentiment_score":0.011568025268357375},{"text":"It was a bit volatile throughout the day, but by the end of the day, it had kinda come back and and recovered nicely.","start":1563.87,"end":1569.495,"sentiment":"neutral","sentiment_score":0.09933884721249342},{"text":"So we do expect with what's happening in Iran and with the military actions that we are gonna see those ups and downs, but that's why we also have a bit of gold in your portfolio.","start":1569.635,"end":1578.215,"sentiment":"neutral","sentiment_score":0.16066010317040813},{"text":"Because when equities aren't gonna do so well, people tend to move money into gold.","start":1578.355,"end":1582.62,"sentiment":"neutral","sentiment_score":0.14607367863257725},{"text":"And gold, I believe, last year, at the end of last year, ended at, like, a thirty year high.","start":1582.62,"end":1586.62,"sentiment":"neutral","sentiment_score":0.10446051233693172}],"sentiment":"neutral","sentiment_score":0.10308311946266066,"num_words":123,"start":1557.71,"end":1586.62},{"sentences":[{"text":"So it was a it's pretty massively up there.","start":1586.62,"end":1590.0599,"sentiment":"neutral","sentiment_score":-0.0015685332732068168},{"text":"Yeah.","start":1590.0599,"end":1590.5599,"sentiment":"neutral","sentiment_score":0.07062280178070068},{"text":"Even when we sort of look at what happened this year in February, gold took a massive dive in one day.","start":1591.0199,"end":1595.5,"sentiment":"neutral","sentiment_score":0.03272222904931931},{"text":"It was down between 11 to 18%.","start":1595.5,"end":1597.7051,"sentiment":"neutral","sentiment_score":-0.08262175853763308},{"text":"But then the next, you know, day or two, it kinda came back and made a nice big recovery, and now it's higher than it was prior to that dip.","start":1598.245,"end":1605.285,"sentiment":"neutral","sentiment_score":0.3145325680573781}],"sentiment":"neutral","sentiment_score":0.14119555212228613,"num_words":68,"start":1586.62,"end":1605.285},{"sentences":[{"text":"So gold is definitely a bit of a safe haven.","start":1605.285,"end":1608.3451,"sentiment":"positive","sentiment_score":0.5472199261188507},{"text":"It's def it's a growth asset, but it acts defensively because of the way we utilize it in portfolios.","start":1608.405,"end":1614.3201,"sentiment":"positive","sentiment_score":0.3457123503873223},{"text":"And I had a bit of a look at what the analysts are predicting there, and they don't see gold having a huge downturn this year.","start":1615.5801,"end":1621.42,"sentiment":"neutral","sentiment_score":-0.08564076837725364},{"text":"They're kind of expecting it to continue to steady up.","start":1621.42,"end":1624.905,"sentiment":"neutral","sentiment_score":-0.06542080119252205},{"text":"So, you know, they're sort of projecting really good things for majority of the year, but I do think we're gonna see a bit of volatility in there.","start":1625.145,"end":1633.225,"sentiment":"neutral","sentiment_score":0.05043117342782872}],"sentiment":"neutral","sentiment_score":0.11367676112680666,"num_words":93,"start":1605.285,"end":1633.225},{"sentences":[{"text":"So that's why having a bit of gold in your portfolio, having those core composite bonds as a defensive investment as well as that worldwide exposure through those other investments is gonna provide a bit more of a benefit.","start":1633.225,"end":1644.4099,"sentiment":"positive","sentiment_score":0.33837337486254865},{"text":"But I do definitely see some, you know, ups and downs with the equities there, and that's why I wanted to make your rollovers a little bit more regularly, sort of once every three months.","start":1645.11,"end":1653.475,"sentiment":"neutral","sentiment_score":0.018040401807853153},{"text":"Even if we're only rolling over a couple of 100 or a couple of thousand dollars, it doesn't matter.","start":1653.9349,"end":1658.355,"sentiment":"neutral","sentiment_score":0.08731578937486599},{"text":"It's about putting regular amounts in so we take advantage of those market cycles.","start":1658.415,"end":1663.55,"sentiment":"neutral","sentiment_score":0.18977336479084833},{"text":"Because I can't tell when the bottom of the dip is gonna happen or when the top of the dip is gonna happen.","start":1663.55,"end":1668.27,"sentiment":"neutral","sentiment_score":0.00006899512980295265}],"sentiment":"neutral","sentiment_score":0.13957992058533888,"num_words":130,"start":1633.225,"end":1668.27},{"sentences":[{"text":"No one physically can.","start":1668.27,"end":1669.8099,"sentiment":"neutral","sentiment_score":-0.08891213592141867},{"text":"So it's about making sure we're just putting money in on a regular basis to take advantage of those cycles.","start":1670.19,"end":1675.17,"sentiment":"neutral","sentiment_score":0.16347253173589707},{"text":"Okay?","start":1675.47,"end":1675.97,"sentiment":"neutral","sentiment_score":0.08765876293182373},{"text":"Yeah.","start":1677.105,"end":1677.605,"sentiment":"neutral","sentiment_score":0.26728007197380066},{"text":"Perfect.","start":1677.665,"end":1678.165,"sentiment":"positive","sentiment_score":0.5956134796142578}],"sentiment":"neutral","sentiment_score":0.14312423724267218,"num_words":27,"start":1668.27,"end":1678.165},{"sentences":[{"text":"But that's a really cool projection table there.","start":1678.865,"end":1680.7051,"sentiment":"positive","sentiment_score":0.576624559238553},{"text":"It is showing you where we're sort of tracking based on what we have with the research there.","start":1680.7051,"end":1684.805,"sentiment":"neutral","sentiment_score":0.1011711706717809},{"text":"As I mentioned, I'm kinda focused on that five year side of things at the moment.","start":1685.105,"end":1688.465,"sentiment":"neutral","sentiment_score":0.10636748862452805},{"text":"Let's work on the next five years, and then we get to the five years and we work on the next five years as well.","start":1688.465,"end":1693.16,"sentiment":"neutral","sentiment_score":0.11064864933490753},{"text":"Because, I mean, ten years doesn't feel like a lot of time, but when you look back at what you've achieved over the last ten years, a lot can change in your life, and a lot will change over the next ten years probably as well.","start":1693.16,"end":1704.28,"sentiment":"neutral","sentiment_score":0.32469934686694457}],"sentiment":"neutral","sentiment_score":0.2286579075508413,"num_words":113,"start":1678.865,"end":1704.28},{"sentences":[{"text":"Okay?","start":1704.28,"end":1704.78,"sentiment":"neutral","sentiment_score":0.20532429218292236},{"text":"Perfect.","start":1705.985,"end":1706.485,"sentiment":"positive","sentiment_score":0.75331711769104},{"text":"Hopefully, more pay rises for you.","start":1706.705,"end":1708.725,"sentiment":"positive","sentiment_score":0.5855497817198435},{"text":"Underneath that, it does show you kind of the annualized returns that the different portfolios have been able to receive as as per our research for you as well.","start":1713.825,"end":1721.9601,"sentiment":"positive","sentiment_score":0.34735544334197865},{"text":"Okay?","start":1721.9601,"end":1722.4601,"sentiment":"neutral","sentiment_score":0.13076873123645782}],"sentiment":"positive","sentiment_score":0.3862109654828122,"num_words":38,"start":1704.28,"end":1722.4601},{"sentences":[{"text":"Excellent.","start":1723.88,"end":1724.38,"sentiment":"positive","sentiment_score":0.6743371486663818},{"text":"The next page outlines the insurance recommendation.","start":1724.92,"end":1727.5,"sentiment":"neutral","sentiment_score":0.2150744849017688},{"text":"So if you sort of think back to the original projection table, we have sort of noticed in that the insurance premiums within Plum had gone up, and the recommendation for the total that's death and TBD to be about $1,669 deducted for the insurance premiums.","start":1727.64,"end":1742.855,"sentiment":"neutral","sentiment_score":0.07170015362941701},{"text":"And that kinda goes on to this next recommendation.","start":1742.855,"end":1745.115,"sentiment":"neutral","sentiment_score":0.10334966662857267},{"text":"So we sort of talked about how, when we did your annual review, how you have the death cover inside on Super, which is the employer paid policy there, which is great.","start":1745.735,"end":1754.19,"sentiment":"neutral","sentiment_score":0.22232473082840443}],"sentiment":"neutral","sentiment_score":0.14234319995892675,"num_words":95,"start":1723.88,"end":1754.19},{"sentences":[{"text":"It gives you a good level of cover in the event that something was to happen.","start":1754.19,"end":1757.73,"sentiment":"positive","sentiment_score":0.3362426497042179},{"text":"However, you didn't have any TBD cover.","start":1757.79,"end":1760.43,"sentiment":"neutral","sentiment_score":-0.18476382323673793},{"text":"And I went back and I had a look, and there doesn't seem to be any TBD benefit there.","start":1760.43,"end":1764.85,"sentiment":"neutral","sentiment_score":-0.14855815666286568},{"text":"So we discussed applying for and looking at TBD to provide you with a level of cover in the event that you are permanently disabled or not able to go to work.","start":1765.065,"end":1773.245,"sentiment":"neutral","sentiment_score":0.024640548857860267},{"text":"One of the things we talked about was looking at income replacement, making sure you're covering the cost of your mortgage, and we talked about tax side of things as well.","start":1773.625,"end":1781.68,"sentiment":"neutral","sentiment_score":0.08572970727278341}],"sentiment":"neutral","sentiment_score":0.04485761090403512,"num_words":105,"start":1754.19,"end":1781.68},{"sentences":[{"text":"So how TPD, in the event of a claim, if you're under the eighty sixty, can be taxed up to 22%, and you wanted to make sure that the mortgage could be cleared free and clear, factoring in the tax component there, and then making sure your super could be paid out on top of that for income replacement.","start":1781.74,"end":1797.795,"sentiment":"neutral","sentiment_score":0.17520288087553898},{"text":"Does that kinda ring a bell?","start":1797.855,"end":1798.895,"sentiment":"neutral","sentiment_score":0.06975951666633289},{"text":"And does that still sound fairly accurate?","start":1798.895,"end":1800.915,"sentiment":"neutral","sentiment_score":0.05660954224211829},{"text":"Yep.","start":1802.895,"end":1803.395,"sentiment":"positive","sentiment_score":0.3951248526573181},{"text":"Perfect.","start":1803.6951,"end":1804.1951,"sentiment":"positive","sentiment_score":0.6334917545318604}],"sentiment":"neutral","sentiment_score":0.16460014154782165,"num_words":74,"start":1781.74,"end":1804.1951},{"sentences":[{"text":"So I did a little bit of research to find out who would provide a decent amount of TBD and what you actually needed.","start":1805.055,"end":1812.06,"sentiment":"neutral","sentiment_score":0.24225586652755737},{"text":"When we had a look and did the calculation, you needed a bit over 900,000 of TBD to cover your mortgage free and clear tax free.","start":1812.4401,"end":1820.265,"sentiment":"neutral","sentiment_score":0.21267418964551046},{"text":"We actually get discounts for every sort of 250,000 of TBD.","start":1820.645,"end":1824.905,"sentiment":"positive","sentiment_score":0.34616238149729645},{"text":"So I've actually recommended that we apply for $1,000,000 of TBD with a sender, which used to be MLC.","start":1825.285,"end":1831.3049,"sentiment":"positive","sentiment_score":0.34679814702586126},{"text":"They've provided the cheapest rate.","start":1832.58,"end":1834.68,"sentiment":"positive","sentiment_score":0.48161831498146057}],"sentiment":"neutral","sentiment_score":0.2841024975566303,"num_words":85,"start":1805.055,"end":1834.68},{"sentences":[{"text":"TBD inside Super just hasn't any occupation definition.","start":1834.82,"end":1838.6,"sentiment":"neutral","sentiment_score":0.23479292541742325},{"text":"So in order for you to claim, you just never be need to never be able to go back to work again for any occupation for which you are trained, educated, or have worked, and we just get two doctors, one to be a specialist to sign off on that.","start":1838.74,"end":1851.015,"sentiment":"neutral","sentiment_score":0.2575363916158676},{"text":"You'll probably see on the page here, I've also recommended life cover.","start":1851.395,"end":1855.335,"sentiment":"neutral","sentiment_score":0.23192300150791803},{"text":"That is because when we looked at the research and we looked at TPD, stand alone by itself, the premiums came out between 4 to $8,000 on a yearly basis.","start":1855.875,"end":1866.98,"sentiment":"neutral","sentiment_score":0.19651215374469758},{"text":"When we added life to the policy, it activated a multi policy discount and actually reduced your premiums to about so we got $1,101 or 936 deducted out of your super fund because you get a 15% rebate on the policy.","start":1867.36,"end":1883.8551,"sentiment":"neutral","sentiment_score":0.2954560063961076}],"sentiment":"neutral","sentiment_score":0.2521085097646037,"num_words":141,"start":1834.82,"end":1883.8551},{"sentences":[{"text":"So adding the same amount of life to the TPD, gave you a cheaper premium, gives you more life on top of what you already have, and basically gives you that extra little bit of cover, and it's cheaper.","start":1884.7151,"end":1897.57,"sentiment":"positive","sentiment_score":0.4280852545530368},{"text":"Does that make sense?","start":1897.95,"end":1898.9299,"sentiment":"neutral","sentiment_score":0.1349897626787424},{"text":"Isn't it, though?","start":1899.95,"end":1900.85,"sentiment":"neutral","sentiment_score":-0.10035290320714314},{"text":"In the in the appendix, you'll see we've actually screenshotted the different the stand alone options and how much they actually go up in price.","start":1901.15,"end":1909.605,"sentiment":"neutral","sentiment_score":0.02889159170910716},{"text":"Pretty insane, isn't it?","start":1909.605,"end":1911.065,"sentiment":"neutral","sentiment_score":-0.17923811078071594}],"sentiment":"neutral","sentiment_score":0.22586083491022388,"num_words":75,"start":1884.7151,"end":1911.065},{"sentences":[{"text":"Sure.","start":1914.245,"end":1914.745,"sentiment":"neutral","sentiment_score":0.09557027369737624},{"text":"Mhmm.","start":1919.9401,"end":1920.4401,"sentiment":"neutral","sentiment_score":0.025944393128156665},{"text":"Yep.","start":1925.06,"end":1925.56,"sentiment":"neutral","sentiment_score":0.08172476291656494},{"text":"Yep.","start":1928.915,"end":1929.3151,"sentiment":"neutral","sentiment_score":0.2918570041656494},{"text":"Absolutely does.","start":1929.3151,"end":1930.355,"sentiment":"positive","sentiment_score":0.5881765186786652}],"sentiment":"neutral","sentiment_score":0.27857491187751293,"num_words":6,"start":1914.245,"end":1930.355},{"sentences":[{"text":"Yep.","start":1930.355,"end":1930.595,"sentiment":"positive","sentiment_score":0.4267887771129608},{"text":"So you'll get the extra benefit there.","start":1930.595,"end":1932.1951,"sentiment":"positive","sentiment_score":0.5682661959103176},{"text":"And I'll sort of let everyone know let your partner know that you do have us as your advisers and that you do have the life policy through.","start":1932.1951,"end":1939.9551,"sentiment":"positive","sentiment_score":0.49830963888338636},{"text":"I sort of make it a point of saying, if they don't know about it, then it's hard to make a claim.","start":1939.9551,"end":1944.81,"sentiment":"neutral","sentiment_score":0.2273808108134703},{"text":"So in the event that you were to pass away touch wood, nothing happens, however.","start":1944.87,"end":1948.49,"sentiment":"neutral","sentiment_score":0.06043833469351133}],"sentiment":"neutral","sentiment_score":0.33241472459615096,"num_words":73,"start":1930.355,"end":1948.49},{"sentences":[{"text":"But if in the event that you were to pass away, at least having your partner know that we're your advisers, that we look after your insurance policy and your super means that they can contact us and we can assist.","start":1948.87,"end":1958.5349,"sentiment":"neutral","sentiment_score":0.24280282464332698},{"text":"We do need to always one if you pass, talk to the executive of your state.","start":1959.1549,"end":1962.995,"sentiment":"neutral","sentiment_score":0.14969229185953736},{"text":"So as long as that's your partner, it's not a problem at all.","start":1962.995,"end":1966.4349,"sentiment":"positive","sentiment_score":0.4510695682122157},{"text":"We will help with the claim, get all the paperwork sorted, and can also provide advice on how best to structure the money so that it provides a regular ongoing support and lasts as long as possible for them as well.","start":1966.4349,"end":1978.1,"sentiment":"positive","sentiment_score":0.5008073761695768},{"text":"Okay.","start":1978.1,"end":1978.6,"sentiment":"neutral","sentiment_score":0.1320600062608719}],"sentiment":"positive","sentiment_score":0.34713445800090476,"num_words":112,"start":1948.87,"end":1978.6},{"sentences":[{"text":"Yep.","start":1980.18,"end":1980.5801,"sentiment":"neutral","sentiment_score":0.1891796588897705},{"text":"Perfect.","start":1980.5801,"end":1981.0801,"sentiment":"positive","sentiment_score":0.36847811937332153},{"text":"But yeah.","start":1981.86,"end":1982.6,"sentiment":"neutral","sentiment_score":0.03962606005370617},{"text":"Yeah.","start":1983.945,"end":1984.265,"sentiment":"neutral","sentiment_score":-0.013149851001799108},{"text":"Sorry.","start":1984.265,"end":1984.765,"sentiment":"neutral","sentiment_score":-0.0749807059764862}],"sentiment":"neutral","sentiment_score":0.09146322356536984,"num_words":6,"start":1980.18,"end":1984.765},{"sentences":[{"text":"Yeah.","start":1990.665,"end":1991.165,"sentiment":"neutral","sentiment_score":-0.02996888756752014},{"text":"Yep.","start":1992.4249,"end":1992.9249,"sentiment":"neutral","sentiment_score":-0.03614211082458496},{"text":"Yeah.","start":1993.625,"end":1994.025,"sentiment":"neutral","sentiment_score":0.12145590782165527},{"text":"Absolutely.","start":1994.025,"end":1994.525,"sentiment":"neutral","sentiment_score":0.2555215358734131},{"text":"Not a problem at all.","start":1995.145,"end":1996.525,"sentiment":"neutral","sentiment_score":0.27979313731193545}],"sentiment":"neutral","sentiment_score":0.18998134798473781,"num_words":9,"start":1990.665,"end":1996.525},{"sentences":[{"text":"So that is essentially the recommendation on the insurance side of things.","start":1997.4299,"end":2001.2899,"sentiment":"neutral","sentiment_score":0.23270580172538757},{"text":"So as per the very top, we expected this policy, the yearly premium, the first you deducted out of super to be $9.36.","start":2001.75,"end":2009.325,"sentiment":"neutral","sentiment_score":0.2725418793118518},{"text":"You do get a 15% rebate on the policy.","start":2009.325,"end":2011.6449,"sentiment":"positive","sentiment_score":0.34796177678638035},{"text":"And so the insurer does receive that 1,101 and 10¢.","start":2011.6449,"end":2016.225,"sentiment":"neutral","sentiment_score":0.27119627926084733},{"text":"However, you just pay a little bit less.","start":2016.365,"end":2017.965,"sentiment":"neutral","sentiment_score":0.12334045674651861}],"sentiment":"neutral","sentiment_score":0.2560668689061384,"num_words":62,"start":1997.4299,"end":2017.965},{"sentences":[{"text":"You get a rebate for the tax consequences inside super.","start":2017.965,"end":2021.0249,"sentiment":"neutral","sentiment_score":0.2252400266006589},{"text":"And when we add that to the policy that is being paid out of Plumb already, the first year's net premium is expected to be 1,669 as a total.","start":2021.61,"end":2031.05,"sentiment":"neutral","sentiment_score":0.11748938750604103},{"text":"So that's how you get to that recommended figure at the very top there.","start":2031.05,"end":2034.25,"sentiment":"neutral","sentiment_score":0.1805135809949466},{"text":"Okay?","start":2034.25,"end":2034.75,"sentiment":"neutral","sentiment_score":0.05280119180679321},{"text":"It's a send out MLC.","start":2042.8351,"end":2044.2151,"sentiment":"neutral","sentiment_score":-0.09119723588228226}],"sentiment":"neutral","sentiment_score":0.1319253838984138,"num_words":59,"start":2017.965,"end":2044.2151},{"sentences":[{"text":"Mhmm.","start":2048.9302,"end":2049.4302,"sentiment":"neutral","sentiment_score":-0.05741322040557861},{"text":"Yep.","start":2052.85,"end":2053.35,"sentiment":"neutral","sentiment_score":-0.05865015834569931},{"text":"Yep.","start":2065.825,"end":2066.145,"sentiment":"neutral","sentiment_score":0.02384893223643303},{"text":"So the projection that we just went through, that is including these insurance premiums being deducted.","start":2066.145,"end":2071.605,"sentiment":"neutral","sentiment_score":0.007067260303301737},{"text":"Yep.","start":2074.22,"end":2074.72,"sentiment":"neutral","sentiment_score":0.085850790143013}],"sentiment":"neutral","sentiment_score":0.0053356254240497945,"num_words":20,"start":2048.9302,"end":2074.72},{"sentences":[{"text":"Yep.","start":2076.54,"end":2077.04,"sentiment":"neutral","sentiment_score":0.2645178437232971},{"text":"Perfect.","start":2077.1,"end":2077.6,"sentiment":"positive","sentiment_score":0.5153417587280273},{"text":"Yeah.","start":2080.7,"end":2081.2,"sentiment":"neutral","sentiment_score":0.01245078071951866},{"text":"Yep.","start":2081.34,"end":2081.74,"sentiment":"neutral","sentiment_score":0.0743514746427536},{"text":"Yep.","start":2081.74,"end":2082.22,"sentiment":"neutral","sentiment_score":0.14903241395950317}],"sentiment":"neutral","sentiment_score":0.20313885435461998,"num_words":5,"start":2076.54,"end":2082.22},{"sentences":[{"text":"Definitely.","start":2082.22,"end":2082.72,"sentiment":"positive","sentiment_score":0.37643012404441833},{"text":"Absolutely.","start":2083.02,"end":2083.52,"sentiment":"positive","sentiment_score":0.5081691145896912},{"text":"This gives you extra level of cover there.","start":2083.66,"end":2085.915,"sentiment":"positive","sentiment_score":0.3774946592748165},{"text":"As we kinda went through before, all our recommendations are are made under best interest duty.","start":2086.235,"end":2090.795,"sentiment":"neutral","sentiment_score":0.2052368950098753},{"text":"So on each of these pages, under those recommendations, I have noted the best interest duty as to how and why I've made the recommendations for you.","start":2090.795,"end":2097.99,"sentiment":"neutral","sentiment_score":0.1544303728474511}],"sentiment":"neutral","sentiment_score":0.21430126226173257,"num_words":53,"start":2082.22,"end":2097.99},{"sentences":[{"text":"Feel free to have a read through all of that.","start":2098.23,"end":2099.91,"sentiment":"neutral","sentiment_score":0.23624335676431657},{"text":"If you find you have any questions, let me know.","start":2099.91,"end":2102.17,"sentiment":"neutral","sentiment_score":0.14892111718654633},{"text":"We also have the advantages, the disadvantages, and the risks involved so you can run your eyes over all of that, just making sure that you're aware that you're making the decision while being fully informed.","start":2102.55,"end":2112.57,"sentiment":"neutral","sentiment_score":0.06582677571309938},{"text":"When it comes to retaining the two platforms, it does remain really good for you.","start":2113.275,"end":2117.275,"sentiment":"positive","sentiment_score":0.4618085384368896},{"text":"Obviously, Plum is your employer paid policy.","start":2117.275,"end":2119.595,"sentiment":"positive","sentiment_score":0.3357743407998766}],"sentiment":"neutral","sentiment_score":0.19870457855554727,"num_words":78,"start":2098.23,"end":2119.595},{"sentences":[{"text":"You have the benefit of the death benefit there, and you do have a really good sum insured if anything was to happen.","start":2119.595,"end":2124.875,"sentiment":"positive","sentiment_score":0.3574035135300263},{"text":"So retaining that is preferable.","start":2124.875,"end":2127.2148,"sentiment":"neutral","sentiment_score":0.3278662025928497},{"text":"We have 24.","start":2128.1099,"end":2129.0698,"sentiment":"neutral","sentiment_score":0.2781502703825633},{"text":"The portfolio within that has been performing greater, and the two funds when we sort of look at everything is lower cost in fees.","start":2129.0698,"end":2136.2698,"sentiment":"positive","sentiment_score":0.39636165897051495},{"text":"So it is really good and does work in your best interest to retain everything.","start":2136.2698,"end":2139.8699,"sentiment":"positive","sentiment_score":0.7013892491658529}],"sentiment":"positive","sentiment_score":0.4389654455440385,"num_words":70,"start":2119.595,"end":2139.8699},{"sentences":[{"text":"The alterations of portfolio stays you in fees, which is a benefit to you.","start":2139.8699,"end":2143.665,"sentiment":"neutral","sentiment_score":0.2703596642240882},{"text":"And having a greater past performance can put you in a better position the longer the markets work the way they have in the in as in the past.","start":2143.665,"end":2150.485,"sentiment":"positive","sentiment_score":0.4756609211707937},{"text":"With the insurances, having the TPD gives that level of cover structuring it so it's inside super is also a benefit.","start":2151.185,"end":2158.0198,"sentiment":"positive","sentiment_score":0.4472823412645431},{"text":"So you're not having to pay those premiums out of your back pocket.","start":2158.0798,"end":2160.8198,"sentiment":"neutral","sentiment_score":0.2977547530944531},{"text":"However, it is important to know as you kinda went through, the premiums coming out of super do have a effect on your time and figure there.","start":2161.2798,"end":2168.5598,"sentiment":"neutral","sentiment_score":0.012033984547963849}],"sentiment":"neutral","sentiment_score":0.2996909668525824,"num_words":104,"start":2139.8699,"end":2168.5598},{"sentences":[{"text":"So it is really important that we do review those insurances.","start":2168.5598,"end":2171.46,"sentiment":"neutral","sentiment_score":0.012675949118354103},{"text":"These insurances are stepped premiums, so they will get more and more expensive as you get older as the risk of you making a claim increases.","start":2172.075,"end":2179.455,"sentiment":"neutral","sentiment_score":-0.05524207121477677},{"text":"So we will review them with you.","start":2179.835,"end":2181.515,"sentiment":"neutral","sentiment_score":0.018083526619843075},{"text":"And as you pay your mortgage down, as your super balance increases, we should be able to decrease the level of cover that you have.","start":2181.515,"end":2188.29,"sentiment":"neutral","sentiment_score":-0.0021307989209890365},{"text":"Does that all make sense?","start":2188.29,"end":2189.51,"sentiment":"neutral","sentiment_score":0.009846333786845208}],"sentiment":"neutral","sentiment_score":-0.015869081473431072,"num_words":74,"start":2168.5598,"end":2189.51},{"sentences":[{"text":"Yeah.","start":2191.4102,"end":2191.81,"sentiment":"neutral","sentiment_score":0.2034814953804016},{"text":"Perfect.","start":2191.81,"end":2192.31,"sentiment":"positive","sentiment_score":0.4627091884613037},{"text":"Yeah.","start":2195.49,"end":2195.99,"sentiment":"neutral","sentiment_score":-0.006479433737695217},{"text":"Mhmm.","start":2201.505,"end":2202.005,"sentiment":"neutral","sentiment_score":-0.005303656682372093},{"text":"Yep.","start":2208.945,"end":2209.445,"sentiment":"neutral","sentiment_score":-0.06783724576234818}],"sentiment":"neutral","sentiment_score":0.11731406953185797,"num_words":5,"start":2191.4102,"end":2209.445},{"sentences":[{"text":"Yep.","start":2212.8801,"end":2213.3801,"sentiment":"neutral","sentiment_score":-0.03780345991253853},{"text":"Yep.","start":2218.8801,"end":2219.36,"sentiment":"neutral","sentiment_score":0.052685998380184174},{"text":"And I've got that for you here.","start":2219.36,"end":2220.8,"sentiment":"neutral","sentiment_score":0.07346934931618827},{"text":"If you go down to page 26 for me, I'll run you through that now as well.","start":2220.8,"end":2224.9001,"sentiment":"neutral","sentiment_score":0.053906974547049576},{"text":"That's where I'm going next.","start":2227.635,"end":2228.8352,"sentiment":"neutral","sentiment_score":0.0908407747745514}],"sentiment":"neutral","sentiment_score":0.06128356209205043,"num_words":31,"start":2212.8801,"end":2228.8352},{"sentences":[{"text":"It's all good.","start":2228.8352,"end":2229.475,"sentiment":"positive","sentiment_score":0.33352182308832806},{"text":"Don't worry.","start":2229.475,"end":2230.135,"sentiment":"neutral","sentiment_score":0.14037708193063736},{"text":"It's no.","start":2232.5151,"end":2233.3352,"sentiment":"neutral","sentiment_score":-0.019241138827055693},{"text":"Yeah.","start":2234.675,"end":2235.175,"sentiment":"neutral","sentiment_score":0.13944418728351593},{"text":"You are absolutely fine, Ben.","start":2235.395,"end":2236.995,"sentiment":"neutral","sentiment_score":0.2956962287425995}],"sentiment":"neutral","sentiment_score":0.220058668189897,"num_words":13,"start":2228.8352,"end":2236.995},{"sentences":[{"text":"Don't ever hesitate.","start":2236.995,"end":2237.975,"sentiment":"neutral","sentiment_score":0.1915292094151179},{"text":"Just, you know, let me know what it will I'm sort of working this towards what you need because I know we are running a bit low on time.","start":2238.3552,"end":2244.87,"sentiment":"neutral","sentiment_score":0.09663595824406065},{"text":"So yeah.","start":2244.87,"end":2246.6301,"sentiment":"neutral","sentiment_score":0.08550184965133667},{"text":"No.","start":2246.6301,"end":2246.87,"sentiment":"neutral","sentiment_score":0.17024630308151245},{"text":"Honestly, if bring up anything that you possibly have, I love it.","start":2246.87,"end":2249.83,"sentiment":"positive","sentiment_score":0.40427789092063904}],"sentiment":"neutral","sentiment_score":0.18233223639904184,"num_words":47,"start":2236.995,"end":2249.83},{"sentences":[{"text":"It's fantastic.","start":2249.83,"end":2250.57,"sentiment":"positive","sentiment_score":0.7255103588104248},{"text":"On page 26 there, I did I I was able to get the authority applied.","start":2252.155,"end":2256.0752,"sentiment":"neutral","sentiment_score":0.1077795322984457},{"text":"So we do have an authority on that policy with MetLife now.","start":2256.0752,"end":2259.695,"sentiment":"neutral","sentiment_score":0.2927262559533119},{"text":"The only downside is they make us email everything.","start":2259.995,"end":2262.8152,"sentiment":"neutral","sentiment_score":-0.27200725426276523},{"text":"So it takes sometimes about four to five weeks for them to reply back to us, but I was able to get the information there.","start":2263.1152,"end":2270.05,"sentiment":"neutral","sentiment_score":-0.032937944084405896}],"sentiment":"neutral","sentiment_score":0.05252245846130545,"num_words":63,"start":2249.83,"end":2270.05},{"sentences":[{"text":"So we did ask them to provide a quote to increase the policy.","start":2270.05,"end":2273.27,"sentiment":"neutral","sentiment_score":0.29983764772231764},{"text":"They'll increase it up to 75% of the income, which is actually more than most income protection policies cover now.","start":2273.81,"end":2280.31,"sentiment":"neutral","sentiment_score":0.3128507025539875},{"text":"Essentially, they'll assess the income once you go through the application, and they may increase it more than what they've been able to tell us, but they're going on what the income was that has been disclosed to them.","start":2281.355,"end":2292.095,"sentiment":"neutral","sentiment_score":0.1660119205331191},{"text":"Essentially, at the moment with the employer paid MetLife policy, you're not paying anything additional for that.","start":2292.8901,"end":2298.25,"sentiment":"neutral","sentiment_score":-0.05106561307740562},{"text":"It is paid by your employer.","start":2298.25,"end":2299.71,"sentiment":"neutral","sentiment_score":-0.024849839508533478}],"sentiment":"neutral","sentiment_score":0.16433846224099397,"num_words":95,"start":2270.05,"end":2299.71},{"sentences":[{"text":"For them to increase it sorry.","start":2299.77,"end":2301.71,"sentiment":"neutral","sentiment_score":-0.08773678292830785},{"text":"You'll see on that table here, you've got your current income protection policy.","start":2302.57,"end":2307.23,"sentiment":"neutral","sentiment_score":0.04970911173866345},{"text":"This is a yearly benefit, so they break it down into a monthly amount.","start":2307.465,"end":2311.3252,"sentiment":"neutral","sentiment_score":0.1343614778348378},{"text":"You're currently covered for about a 122,150 and 9¢.","start":2312.185,"end":2317.0652,"sentiment":"neutral","sentiment_score":0.11054355278611183},{"text":"With the quote, they're able to increase up to a $154,009.66 and 53¢.","start":2317.0652,"end":2323.17,"sentiment":"positive","sentiment_score":0.3361378920574983}],"sentiment":"neutral","sentiment_score":0.1305445579565921,"num_words":55,"start":2299.77,"end":2323.17},{"sentences":[{"text":"They're also including 10% employer con SGC, so employer contributions in the super, which at the moment is not on the policy.","start":2323.65,"end":2332.39,"sentiment":"neutral","sentiment_score":0.04344709539277987},{"text":"So we've opted to take the quote that does allow that because it means if you're off working on an income protection claim, they'll be paying something into your super fund as employer contributions, which is really important to keep your super working harder whilst you're off work as well.","start":2333.41,"end":2349.455,"sentiment":"neutral","sentiment_score":0.17233506369404494},{"text":"Essentially, this policy is owned by your employer, but you're the sum insured.","start":2351.0798,"end":2355.0999,"sentiment":"neutral","sentiment_score":0.14616506260174972},{"text":"They do say they are set premiums.","start":2355.3198,"end":2357.0999,"sentiment":"neutral","sentiment_score":0.2604061705725534},{"text":"You do have a ninety day waiting period, and it's an age 65 policy.","start":2357.16,"end":2361.18,"sentiment":"neutral","sentiment_score":0.2902935179216521}],"sentiment":"neutral","sentiment_score":0.16377063718940713,"num_words":106,"start":2323.65,"end":2361.18},{"sentences":[{"text":"So you can be on a claim up to the age of 65, which is really good.","start":2361.24,"end":2365.695,"sentiment":"positive","sentiment_score":0.5410678290268954},{"text":"In order to increase this as per the quote, the only amount they expect that you'll pay is a $123.82 per month, and they noted that that is paid by way of salary packaging, so salary sacrifice.","start":2366.175,"end":2379.875,"sentiment":"neutral","sentiment_score":0.12397076692935582},{"text":"So they'll deduct that out of your wages if that's the way you wanna go.","start":2379.96,"end":2383.3398,"sentiment":"neutral","sentiment_score":0.057103421290715536},{"text":"I do have the quote in the appendix for you and attached to this doc attached to this email for you so you can have a look at it.","start":2383.96,"end":2392.68,"sentiment":"neutral","sentiment_score":0.25732607009082004},{"text":"It is a very basic quote that they're able to give to us, but increasing this increases it quite significantly.","start":2392.68,"end":2399.315,"sentiment":"positive","sentiment_score":0.35429653972387315}],"sentiment":"neutral","sentiment_score":0.24737296285013022,"num_words":118,"start":2361.24,"end":2399.315},{"sentences":[{"text":"And, essentially, if your wage increases, you can continue to increase it along the lines of this.","start":2399.695,"end":2405.455,"sentiment":"neutral","sentiment_score":0.328199086820378},{"text":"The only kind of downside is you will have to go through underwriting.","start":2405.455,"end":2408.355,"sentiment":"neutral","sentiment_score":-0.31472233396310073},{"text":"So it is an application to fill out.","start":2408.415,"end":2410.5151,"sentiment":"neutral","sentiment_score":-0.08809977350756526},{"text":"If you wanna go ahead with the increase, we will help you as much as we absolutely can.","start":2410.8801,"end":2415.6,"sentiment":"neutral","sentiment_score":0.1573888518744045},{"text":"We'll email them, let know you that you wanna go ahead with it, try and get the paperwork sent through, and help you to fill it out.","start":2415.6,"end":2421.22,"sentiment":"neutral","sentiment_score":0.18356781287325752}],"sentiment":"neutral","sentiment_score":0.10328344852629914,"num_words":83,"start":2399.695,"end":2421.22},{"sentences":[{"text":"Essentially, they will go through underwriting to assess any changes to your health.","start":2422.08,"end":2426.0352,"sentiment":"neutral","sentiment_score":-0.0469383795100909},{"text":"If there is anything that they assess as higher risk, there could be loadings and or exclusions aligned to the policy.","start":2426.0352,"end":2433.495,"sentiment":"neutral","sentiment_score":-0.12901171154919125},{"text":"But from everything we can see, there's really nothing.","start":2434.0352,"end":2436.435,"sentiment":"neutral","sentiment_score":-0.010087768650717206},{"text":"You're pretty healthy, so there doesn't seem to be any red flags that I would see at the moment as being an issue.","start":2436.435,"end":2442.19,"sentiment":"neutral","sentiment_score":-0.004822940282199694},{"text":"But, essentially, increasing that cover significantly and adding the SDC contributions on there in the event that you're not able to go to work and paying that $123.82 per month out of your income to increase that, doesn't seem like too bad, Nadia.","start":2442.8901,"end":2459.7551,"sentiment":"neutral","sentiment_score":0.08944688347536464}],"sentiment":"neutral","sentiment_score":0.0029821428342149893,"num_words":109,"start":2422.08,"end":2459.7551},{"sentences":[{"text":"Yeah.","start":2468.34,"end":2468.66,"sentiment":"neutral","sentiment_score":-0.0025426167994737625},{"text":"No.","start":2468.66,"end":2468.9,"sentiment":"neutral","sentiment_score":-0.05302470177412033},{"text":"Sorry.","start":2468.9,"end":2469.1401,"sentiment":"neutral","sentiment_score":-0.06529712677001953},{"text":"That is a typo.","start":2469.1401,"end":2470.12,"sentiment":"neutral","sentiment_score":-0.08419773168861866},{"text":"It is actually monthly on the quote.","start":2470.26,"end":2472.12,"sentiment":"neutral","sentiment_score":-0.017259515821933746}],"sentiment":"neutral","sentiment_score":-0.041319427346544604,"num_words":14,"start":2468.34,"end":2472.12},{"sentences":[{"text":"Yeah.","start":2474.18,"end":2474.68,"sentiment":"neutral","sentiment_score":0.04608190804719925},{"text":"Mhmm.","start":2484.595,"end":2485.095,"sentiment":"neutral","sentiment_score":0.004740205593407154},{"text":"Yeah.","start":2497.1702,"end":2497.49,"sentiment":"neutral","sentiment_score":0.15039463341236117},{"text":"Absolutely.","start":2497.49,"end":2497.99,"sentiment":"neutral","sentiment_score":0.2507990896701813},{"text":"At the moment, we're only getting the six to 7% of your income, there's no employer contributions going into super if you're off work.","start":2499.1702,"end":2506.685,"sentiment":"neutral","sentiment_score":-0.0006488083551327387}],"sentiment":"neutral","sentiment_score":0.015587301292855824,"num_words":28,"start":2474.18,"end":2506.685},{"sentences":[{"text":"The increase in this on a month like, paying the extra on a monthly basis to increase the amount of cover that you're able to get is definitely worth while and including the employer contributions in the super absolutely.","start":2507.225,"end":2518.39,"sentiment":"positive","sentiment_score":0.5370555749306312},{"text":"Because if anything was to happen, if you were off work, sort of thinking about your circumstances, you know, school fees, everything that you go through, looking at the current income protection amount, it's pretty significantly lower to what you're actually earning.","start":2518.45,"end":2531.905,"sentiment":"neutral","sentiment_score":-0.07266250696210634},{"text":"So you might find it a little bit harder to live, might find expenses are a little bit tighter.","start":2531.905,"end":2537.045,"sentiment":"neutral","sentiment_score":-0.211339491762613},{"text":"Increasing that as much as you absolutely can, whilst it doesn't increase to a 100%, there's always gonna be a bit of a shortfall.","start":2537.345,"end":2544.005,"sentiment":"neutral","sentiment_score":-0.18714912898334055},{"text":"Minimizing that shortfall is gonna provide a greater benefit for your family.","start":2544.66,"end":2548.52,"sentiment":"neutral","sentiment_score":0.11111378110945225}],"sentiment":"neutral","sentiment_score":0.07882116223610115,"num_words":136,"start":2507.225,"end":2548.52},{"sentences":[{"text":"And if you're off work for, say, two years, five years, or even up up to sixty five, without those employer contribution sorry.","start":2548.8198,"end":2556.66,"sentiment":"neutral","sentiment_score":-0.03992036713854126},{"text":"Without those employer contributions, your super is only working on itself.","start":2556.66,"end":2560.975,"sentiment":"neutral","sentiment_score":-0.03918978538025509},{"text":"So having those employer contributions going into your super, even at, say, 10%, instead of the 12% you get now, it's still better than nothing.","start":2561.595,"end":2570.875,"sentiment":"positive","sentiment_score":0.5057542431354523},{"text":"It's still helping to keep your super working harder, and it's still providing a benefit for the long term.","start":2570.875,"end":2576.2551,"sentiment":"positive","sentiment_score":0.6471138063230013},{"text":"Because with this income protection policy, even if you're off work to age 65, this stops at age 65.","start":2576.47,"end":2583.11,"sentiment":"neutral","sentiment_score":0.16621612012386322}],"sentiment":"neutral","sentiment_score":0.27575122265471624,"num_words":97,"start":2548.8198,"end":2583.11},{"sentences":[{"text":"So then you've still gotta find a way to live to the next twenty or thirty or forty years of retirement so your super still needs to work for you through those years.","start":2583.11,"end":2590.97,"sentiment":"neutral","sentiment_score":0.08988585390827873},{"text":"Yeah.","start":2593.0151,"end":2593.5151,"sentiment":"neutral","sentiment_score":0.049902550876140594},{"text":"Yeah.","start":2593.975,"end":2594.475,"sentiment":"neutral","sentiment_score":0.06154485046863556},{"text":"Cool.","start":2595.895,"end":2596.395,"sentiment":"neutral","sentiment_score":0.14088237285614014},{"text":"Yeah.","start":2598.055,"end":2598.375,"sentiment":"neutral","sentiment_score":0.08023582398891449}],"sentiment":"neutral","sentiment_score":0.08915672370710888,"num_words":37,"start":2583.11,"end":2598.375},{"sentences":[{"text":"That's basically running through the advantages of this product.","start":2598.375,"end":2601.915,"sentiment":"neutral","sentiment_score":0.17069636616441938},{"text":"The downside is that you are gonna have a little bit less than you pay on a regular basis.","start":2601.975,"end":2606.395,"sentiment":"neutral","sentiment_score":-0.1725912152936584},{"text":"The employer paid policy can increase, so it doesn't tell me anywhere.","start":2607.49,"end":2612.53,"sentiment":"neutral","sentiment_score":-0.1362553033977747},{"text":"It they tell me it's a set premium.","start":2612.53,"end":2614.29,"sentiment":"neutral","sentiment_score":-0.1992822140455246},{"text":"I don't know how much the premium increases by.","start":2614.29,"end":2616.77,"sentiment":"neutral","sentiment_score":-0.2179200616147783}],"sentiment":"neutral","sentiment_score":-0.1216415386450918,"num_words":57,"start":2598.375,"end":2616.77},{"sentences":[{"text":"I was very limited the information I was able to obtain.","start":2616.77,"end":2619.99,"sentiment":"neutral","sentiment_score":-0.2782037041404031},{"text":"But every year when we do annual reviews with you, we'll keep reviewing the policy the same as the other insurance policies and keep making alterations as we can and as we need to.","start":2620.555,"end":2629.535,"sentiment":"neutral","sentiment_score":-0.02561762695447268},{"text":"But yeah.","start":2630.075,"end":2630.555,"sentiment":"neutral","sentiment_score":-0.017100009135901928},{"text":"Look.","start":2630.555,"end":2630.795,"sentiment":"neutral","sentiment_score":-0.0098474258556962},{"text":"It's a good benefit.","start":2630.795,"end":2631.855,"sentiment":"positive","sentiment_score":0.7850059568881989}],"sentiment":"neutral","sentiment_score":-0.016062763049446333,"num_words":52,"start":2616.77,"end":2631.855},{"sentences":[{"text":"We were stoked that they were able to give us the information.","start":2631.915,"end":2634.23,"sentiment":"positive","sentiment_score":0.5401567543546358},{"text":"It did take about five or six weeks to come through, unfortunately.","start":2634.93,"end":2637.75,"sentiment":"neutral","sentiment_score":-0.052225347297887005},{"text":"But once we got the quote, I think I was jumping in the air.","start":2638.61,"end":2641.33,"sentiment":"neutral","sentiment_score":0.1730832920542785},{"text":"It's pretty exciting.","start":2641.33,"end":2642.1301,"sentiment":"positive","sentiment_score":0.6662886540095011},{"text":"I was like, this is great.","start":2642.1301,"end":2643.09,"sentiment":"positive","sentiment_score":0.7437832156817118}],"sentiment":"neutral","sentiment_score":0.3136150687140353,"num_words":47,"start":2631.915,"end":2643.09},{"sentences":[{"text":"They're actually telling us this information we need, which is really cool.","start":2643.09,"end":2646.6301,"sentiment":"positive","sentiment_score":0.7712467759847641},{"text":"So what we'll do is if you decide to go through with it, we'll email them back and let them know you wanna go through.","start":2647.2651,"end":2652.225,"sentiment":"neutral","sentiment_score":0.19636837542057037},{"text":"We'll find out what you need to do and try to help you as much as we possibly can with that increase process.","start":2652.225,"end":2658.165,"sentiment":"neutral","sentiment_score":0.17517609959063324},{"text":"Okay?","start":2658.385,"end":2658.885,"sentiment":"neutral","sentiment_score":0.0564102791249752},{"text":"Yep.","start":2660.9,"end":2661.4,"sentiment":"neutral","sentiment_score":0.0716029554605484}],"sentiment":"neutral","sentiment_score":0.29550377778228254,"num_words":62,"start":2643.09,"end":2661.4},{"sentences":[{"text":"Absolutely.","start":2663.7798,"end":2664.2798,"sentiment":"neutral","sentiment_score":0.12412633001804352},{"text":"Mhmm.","start":2671.555,"end":2672.055,"sentiment":"neutral","sentiment_score":0.012291902676224709},{"text":"Absolutely.","start":2672.835,"end":2673.335,"sentiment":"neutral","sentiment_score":0.007168004289269447},{"text":"We did, but it is it's still better to do it within MetLife.","start":2674.835,"end":2678.595,"sentiment":"neutral","sentiment_score":0.0029234980734495018},{"text":"So we had a look at other options there.","start":2678.595,"end":2680.5151,"sentiment":"neutral","sentiment_score":0.012076742533180449}],"sentiment":"neutral","sentiment_score":0.01161129578948021,"num_words":25,"start":2663.7798,"end":2680.5151},{"sentences":[{"text":"It's way more expensive to get income protection through any other provider.","start":2680.5151,"end":2684.135,"sentiment":"neutral","sentiment_score":-0.09830636562158664},{"text":"Your the increased your MetLife was gonna be the cheapest option all around.","start":2684.4,"end":2689.1199,"sentiment":"neutral","sentiment_score":0.14922929727114165},{"text":"And the fact that it's deducted out of your income instead of you having to make the premiums any other way is a lot cheaper.","start":2689.1199,"end":2694.98,"sentiment":"neutral","sentiment_score":0.12382943093776703},{"text":"So it's a it's a pretty good product, and you've got a pretty good deal there for it.","start":2695.0398,"end":2700.18,"sentiment":"positive","sentiment_score":0.5415858088268174},{"text":"Mhmm.","start":2707.7249,"end":2708.2249,"sentiment":"neutral","sentiment_score":-0.0017786328680813313}],"sentiment":"neutral","sentiment_score":0.19714211850035665,"num_words":69,"start":2680.5151,"end":2708.2249},{"sentences":[{"text":"Yep.","start":2711.645,"end":2712.145,"sentiment":"neutral","sentiment_score":0.011284036561846731},{"text":"Yep.","start":2714.94,"end":2715.44,"sentiment":"neutral","sentiment_score":0.02182602509856224},{"text":"Yep.","start":2719.74,"end":2720.24,"sentiment":"neutral","sentiment_score":0.014420626685023308},{"text":"Mhmm.","start":2733.515,"end":2733.915,"sentiment":"neutral","sentiment_score":0.00019600498490035537},{"text":"Yeah.","start":2733.915,"end":2734.415,"sentiment":"neutral","sentiment_score":-0.0015927921049296856}],"sentiment":"neutral","sentiment_score":0.00922678024508059,"num_words":5,"start":2711.645,"end":2734.415},{"sentences":[{"text":"Mhmm.","start":2737.77,"end":2738.27,"sentiment":"neutral","sentiment_score":0.0013675580266863108},{"text":"Yep.","start":2739.29,"end":2739.79,"sentiment":"neutral","sentiment_score":-0.018322734162211415},{"text":"Okay.","start":2745.4502,"end":2745.9502,"sentiment":"neutral","sentiment_score":0.01423419639468193},{"text":"Yeah.","start":2759.785,"end":2760.265,"sentiment":"neutral","sentiment_score":0.023864958435297012},{"text":"Yep.","start":2760.265,"end":2760.765,"sentiment":"neutral","sentiment_score":0.03658987954258919}],"sentiment":"neutral","sentiment_score":0.011546771647408605,"num_words":5,"start":2737.77,"end":2760.765},{"sentences":[{"text":"Yeah.","start":2765.92,"end":2766.42,"sentiment":"neutral","sentiment_score":-0.06773162633180618},{"text":"The policy.","start":2772.56,"end":2773.3,"sentiment":"neutral","sentiment_score":-0.12900922447443008},{"text":"Yeah.","start":2773.8398,"end":2774.3398,"sentiment":"neutral","sentiment_score":-0.019353896379470825},{"text":"If you can.","start":2784.345,"end":2785.085,"sentiment":"neutral","sentiment_score":0.002123218650619189},{"text":"Yeah.","start":2785.625,"end":2786.125,"sentiment":"neutral","sentiment_score":0.0387701503932476}],"sentiment":"neutral","sentiment_score":-0.037495520664379,"num_words":8,"start":2765.92,"end":2786.125},{"sentences":[{"text":"Yep.","start":2787.08,"end":2787.58,"sentiment":"neutral","sentiment_score":0.0616367906332016},{"text":"Yep.","start":2798.2,"end":2798.68,"sentiment":"neutral","sentiment_score":0.20427952706813812},{"text":"That's fine.","start":2798.68,"end":2799.4,"sentiment":"neutral","sentiment_score":0.3221953958272934},{"text":"Yep.","start":2799.4,"end":2799.795,"sentiment":"positive","sentiment_score":0.3497166037559509},{"text":"That's not a problem at all.","start":2800.275,"end":2801.7148,"sentiment":"positive","sentiment_score":0.405033141374588}],"sentiment":"positive","sentiment_score":0.3354747783054005,"num_words":11,"start":2787.08,"end":2801.7148},{"sentences":[{"text":"On the very last page, if there's anything that you wanna hold off on or any part of the advice that you choose you don't wanna proceed with, on the last page, you have a little text box, so on the authority to proceed.","start":2801.7148,"end":2813.095,"sentiment":"neutral","sentiment_score":-0.08104775189845399},{"text":"In that talks text box, if there's any section that you wanna hold off or not proceed with if you just wanna hold off for a few months, just sort of write down you don't wish to proceed yet.","start":2813.395,"end":2822.8699,"sentiment":"neutral","sentiment_score":-0.07385076303035021},{"text":"You wanna hold off and maybe review at a certain point in time.","start":2822.8699,"end":2825.93,"sentiment":"neutral","sentiment_score":-0.06940220525631538},{"text":"But you just need to add that little statement just in on that authority to proceed with the sections that you wanna hold off on, or not proceed with just so we have that as a record because the the advice remains appropriate as it is.","start":2826.23,"end":2839.2751,"sentiment":"neutral","sentiment_score":0.014458612498381863},{"text":"It's just letting us know that you don't wish to proceed or certain, wish to hold off on certain aspects there.","start":2839.5151,"end":2845.1,"sentiment":"neutral","sentiment_score":-0.03846687273610206}],"sentiment":"neutral","sentiment_score":-0.04595839056797737,"num_words":163,"start":2801.7148,"end":2845.1},{"sentences":[{"text":"So if you just write that on the last page there, that's absolutely fine.","start":2845.1,"end":2848.54,"sentiment":"neutral","sentiment_score":0.2559989754642759},{"text":"We'll take a note of that, and then we can proceed with the other sections for you.","start":2848.54,"end":2852.4602,"sentiment":"neutral","sentiment_score":0.2444900020080454},{"text":"Okay?","start":2852.4602,"end":2852.9602,"sentiment":"neutral","sentiment_score":0.09837308526039124},{"text":"Yep.","start":2854.3801,"end":2854.8801,"sentiment":"neutral","sentiment_score":0.06805042922496796},{"text":"Yeah.","start":2857.355,"end":2857.855,"sentiment":"neutral","sentiment_score":0.059926364570856094}],"sentiment":"neutral","sentiment_score":0.2343136932262603,"num_words":34,"start":2845.1,"end":2857.855},{"sentences":[{"text":"Yep.","start":2862.635,"end":2863.135,"sentiment":"neutral","sentiment_score":0.09607243537902832},{"text":"Yeah.","start":2874.0898,"end":2874.5898,"sentiment":"neutral","sentiment_score":-0.01052110269665718},{"text":"Yeah.","start":2875.13,"end":2875.63,"sentiment":"neutral","sentiment_score":-0.014537621289491652},{"text":"It's completely up to you.","start":2880.585,"end":2882.365,"sentiment":"neutral","sentiment_score":0.1177719660103321},{"text":"Doing it now means that if anything was to happen in the meantime, you do get that higher level of of cover to sort of back you.","start":2882.5051,"end":2889.325,"sentiment":"neutral","sentiment_score":0.09536030860962691}],"sentiment":"neutral","sentiment_score":0.09241719639727047,"num_words":35,"start":2862.635,"end":2889.325},{"sentences":[{"text":"The risk of not doing it now means that something could go wrong in saying that.","start":2889.785,"end":2893.6401,"sentiment":"negative","sentiment_score":-0.4720353400334716},{"text":"There's obviously a small chance that something could go wrong.","start":2893.6401,"end":2896.12,"sentiment":"negative","sentiment_score":-0.497820845246315},{"text":"You could the next twelve months, next ten years, you could never claim on insurances.","start":2896.12,"end":2900.22,"sentiment":"neutral","sentiment_score":-0.2758218179146449},{"text":"Nothing could go wrong.","start":2900.52,"end":2901.56,"sentiment":"neutral","sentiment_score":-0.21980515494942665},{"text":"So it just comes down to your comfort level, what you're comfortable proceeding with at the time, and what risks you're willing to take.","start":2901.56,"end":2909.265,"sentiment":"neutral","sentiment_score":-0.13312865110735098}],"sentiment":"neutral","sentiment_score":-0.30061462910278985,"num_words":69,"start":2889.785,"end":2909.265},{"sentences":[{"text":"So, I mean, you haven't had these insurances this high for a while, and you haven't had the claim yet.","start":2909.265,"end":2915.585,"sentiment":"neutral","sentiment_score":-0.23666776940226555},{"text":"So just sorta have a think about your comfort level and what what you wanna do.","start":2915.585,"end":2921.365,"sentiment":"neutral","sentiment_score":0.04755237163044512},{"text":"Okay?","start":2921.505,"end":2922.005,"sentiment":"neutral","sentiment_score":0.07227340340614319},{"text":"And if you hold off and say, look.","start":2923.05,"end":2924.57,"sentiment":"neutral","sentiment_score":0.08299496816471219},{"text":"I wanna hold off until for a few months, we can just touch base in, you know, two, three months beginning in June.","start":2924.57,"end":2930.25,"sentiment":"neutral","sentiment_score":0.09557780753011288}],"sentiment":"neutral","sentiment_score":-0.015264628235908115,"num_words":68,"start":2909.265,"end":2930.25},{"sentences":[{"text":"And if you say, hey.","start":2930.25,"end":2931.1301,"sentiment":"neutral","sentiment_score":0.09034487158060074},{"text":"Look.","start":2931.1301,"end":2931.37,"sentiment":"neutral","sentiment_score":0.0854155495762825},{"text":"Yeah.","start":2931.37,"end":2931.61,"sentiment":"neutral","sentiment_score":0.17666521668434143},{"text":"Let's do it.","start":2931.61,"end":2932.1702,"sentiment":"neutral","sentiment_score":0.17976134518782297},{"text":"Or if you change your mind and you wanna go ahead, we'll just get you to put it in writing, and we can go ahead at any point in time.","start":2932.1702,"end":2937.77,"sentiment":"neutral","sentiment_score":0.22004847327868143}],"sentiment":"neutral","sentiment_score":0.1963635839521885,"num_words":40,"start":2930.25,"end":2937.77},{"sentences":[{"text":"It's not a 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nominated.","start":2952.35,"end":2957.01,"sentiment":"neutral","sentiment_score":0.1564262057928478},{"text":"The next one said there wasn't one.","start":2957.07,"end":2959.1702,"sentiment":"neutral","sentiment_score":-0.07309816884143013},{"text":"So I'm not sure if there is or isn't on the Plum Super account, but we're gonna make sure all your beneficiary nominations on Plum Super Hub twenty four and with your life policy with the sender if you decide to go that way are all updated.","start":2959.31,"end":2971.475,"sentiment":"neutral","sentiment_score":0.07662707606845713},{"text":"Finding, non lapsing, nominating a 100% to your partner.","start":2972.095,"end":2975.375,"sentiment":"positive","sentiment_score":0.38135621945063275},{"text":"That way, if anything was to happen, it is all paid out nice and easily to her so she can, you know, she can continue to look after your family.","start":2975.375,"end":2982.53,"sentiment":"positive","sentiment_score":0.6538479258616765}],"sentiment":"neutral","sentiment_score":0.2617879512973807,"num_words":110,"start":2952.35,"end":2982.53},{"sentences":[{"text":"It just makes it all, you know, in line and dot so your i's crossed with your t's and make sure you have that level of protection aside.","start":2982.75,"end":2989.0898,"sentiment":"positive","sentiment_score":0.4583933614194393},{"text":"I've also, in here, added the estate planning side with the will and the and the power of attorney.","start":2989.8699,"end":2995.445,"sentiment":"neutral","sentiment_score":0.09460105982265975},{"text":"So we aren't lawyers.","start":2995.445,"end":2997.605,"sentiment":"neutral","sentiment_score":0.02096146298572421},{"text":"We can't set up a will for you, but we can refer you to a solicitor.","start":2997.605,"end":3001.145,"sentiment":"neutral","sentiment_score":0.05430051771691069},{"text":"And if you like, I can send, sorry, just an information email to you, which gives you a bit of detail around the solicitor that we can refer you through to with a bit of a costing around what it that what they charge for a will, a bit of information around trust, and things like that just to maybe start the conversation off.","start":3001.205,"end":3018.25,"sentiment":"neutral","sentiment_score":0.09093546937219799}],"sentiment":"neutral","sentiment_score":0.16339662924892348,"num_words":131,"start":2982.75,"end":3018.25},{"sentences":[{"text":"Okay?","start":3018.3901,"end":3018.8901,"sentiment":"neutral","sentiment_score":0.07626742869615555},{"text":"Yeah.","start":3020.71,"end":3021.105,"sentiment":"neutral","sentiment_score":0.2807193100452423},{"text":"Perfect.","start":3021.345,"end":3021.845,"sentiment":"positive","sentiment_score":0.6033229827880859},{"text":"Perfect.","start":3022.065,"end":3022.565,"sentiment":"positive","sentiment_score":0.5600424408912659},{"text":"That is everything I needed to go through with you there, Ben.","start":3023.105,"end":3025.905,"sentiment":"neutral","sentiment_score":0.33163276066382724}],"sentiment":"positive","sentiment_score":0.3437465806491673,"num_words":16,"start":3018.3901,"end":3025.905},{"sentences":[{"text":"I know it is at 02:21 my time, so 03:21 your time.","start":3025.905,"end":3029.105,"sentiment":"neutral","sentiment_score":0.010880370779583851},{"text":"I know you do have to kinda head off now.","start":3029.105,"end":3031.365,"sentiment":"neutral","sentiment_score":-0.03695158138871193},{"text":"The rest of the document just sorta outlines the ongoing service fees, and it's important to note that we do receive remuneration from insurance companies when insurances are written into place.","start":3032.785,"end":3042.7002,"sentiment":"neutral","sentiment_score":0.019491665786312472},{"text":"It has no effect on our recommendations in any way, shape, or form.","start":3043.0,"end":3047.02,"sentiment":"neutral","sentiment_score":-0.12827828268592173},{"text":"But in the document here on page number 39, it does outline that with a standard, if you do go through with the insurance policy, it's up to you.","start":3047.32,"end":3055.0352,"sentiment":"neutral","sentiment_score":0.18798592429736566}],"sentiment":"neutral","sentiment_score":0.04367646741631784,"num_words":95,"start":3025.905,"end":3055.0352},{"sentences":[{"text":"We do receive 66% of the first year's premium and 22%, they're ongoing.","start":3055.0352,"end":3059.455,"sentiment":"neutral","sentiment_score":0.21516899535289177},{"text":"It is legislated that we receive the exact same amount from all insurance companies, so it has not got anything to do with our recommendation.","start":3059.7551,"end":3066.91,"sentiment":"neutral","sentiment_score":0.05575038919225335},{"text":"Everything I've recommended to you has to be in best interest, and that's why through this document, you see a best interest statement which outlines the reasoning and how the recommendations are in line your goals and in your best interest.","start":3067.45,"end":3079.2349,"sentiment":"neutral","sentiment_score":0.2632529888211227},{"text":"Okay.","start":3079.295,"end":3079.795,"sentiment":"neutral","sentiment_score":0.28142112493515015},{"text":"Perfect.","start":3081.6948,"end":3082.1948,"sentiment":"positive","sentiment_score":0.6926504969596863}],"sentiment":"neutral","sentiment_score":0.1970172942340098,"num_words":81,"start":3055.0352,"end":3082.1948},{"sentences":[{"text":"That is basically everything in there.","start":3083.135,"end":3085.315,"sentiment":"positive","sentiment_score":0.5441960742076238},{"text":"As you are going through, page number 41 outlines how we'll go through and and do the implementation there.","start":3085.375,"end":3091.635,"sentiment":"neutral","sentiment_score":0.3271315011538957},{"text":"And then on page number 42 at the very bottom, you should have a section there for a little text box, and you can just write in there what you do and or do not or wish to hold off on as part of the recommendations.","start":3091.98,"end":3103.36,"sentiment":"neutral","sentiment_score":0.12401472760931305},{"text":"Essentially, we make the recommendations to you outlining everything, and then it's up to you what you're comfortable to take on board.","start":3104.2349,"end":3110.1748,"sentiment":"positive","sentiment_score":0.3495377979495309},{"text":"If you do have any additional questions after reading through, let me know.","start":3110.4749,"end":3113.515,"sentiment":"neutral","sentiment_score":0.18746698533113187}],"sentiment":"neutral","sentiment_score":0.2387948566169109,"num_words":106,"start":3083.135,"end":3113.515},{"sentences":[{"text":"I know sometimes there are additional questions that come through after the conversation, so feel free to email me with anything that you need.","start":3113.515,"end":3119.54,"sentiment":"neutral","sentiment_score":0.22706282387177149},{"text":"And if we have to have another conversation, I'm more than happy to make time to come back and chat to you.","start":3119.54,"end":3124.4202,"sentiment":"positive","sentiment_score":0.3673723990266973},{"text":"Okay?","start":3124.4202,"end":3124.9202,"sentiment":"neutral","sentiment_score":0.1454487442970276},{"text":"That's okay, Ben.","start":3127.86,"end":3128.9001,"sentiment":"positive","sentiment_score":0.6552471915880839},{"text":"I hope you have a lovely afternoon.","start":3128.9001,"end":3130.6602,"sentiment":"positive","sentiment_score":0.7616804667881557}],"sentiment":"positive","sentiment_score":0.36797638838751273,"num_words":57,"start":3113.515,"end":3130.6602},{"sentences":[{"text":"I know you're very time, Paul, but I appreciate you taking my call.","start":3130.6602,"end":3136.303,"sentiment":"positive","sentiment_score":0.33690639356007945},{"text":"Yes.","start":3140.119,"end":3140.439,"sentiment":"neutral","sentiment_score":0.2842192053794861},{"text":"Legend.","start":3140.439,"end":3140.8389,"sentiment":"positive","sentiment_score":0.48235541582107544},{"text":"Thank you so much.","start":3140.8389,"end":3141.879,"sentiment":"positive","sentiment_score":0.8338896483182907},{"text":"You have a good afternoon.","start":3141.879,"end":3143.2588,"sentiment":"positive","sentiment_score":0.7683299660682679}],"sentiment":"positive","sentiment_score":0.513481923379004,"num_words":24,"start":3130.6602,"end":3143.2588},{"sentences":[{"text":"Thanks.","start":3145.0789,"end":3145.5789,"sentiment":"positive","sentiment_score":0.593782901763916},{"text":"See you later.","start":3145.719,"end":3146.459,"sentiment":"positive","sentiment_score":0.47106098135312396}],"sentiment":"positive","sentiment_score":0.501741461455822,"num_words":4,"start":3145.0789,"end":3146.459}]}}]},{"alternatives":[{"transcript":"Hello? Good day, Andrew. And yourself? Yeah. Yeah. That's fine. Yep. Yep. Yeah. That's fine. Yep. Sure. So Benjamin Heath Parker, the 10/12/1982, and Number 9 Cloud Street, Martha Street, Victoria. Yeah. No. That's still the same one. Sorry. I'm just parking my I've just opened up my emails. Just trying to see. Oh, yeah. Here we go. Yep. Statement of device. Yep. Yep. Alright. So no. No. I'm sure you're about to say what I was gonna ask. Just which document I'm looking to open first. Mhmm. Okay. I've just clicked on that statement and pause, so it's just opening me up. Yep. Oh, yep. That's open. Yep. Yep. Okay. Yeah. I'll just quickly mention I know we've got about an hour, I think. So I'm just I'm currently parked at the front of my kid's school. So at about three at about 03:25. I don't know. Sorry. What time is it there? Yeah. Okay. So, yeah, basically, at about 02:25 your time, I'll I'll need to jump off this call. That's all. If we're still going at that time. Yep. Yeah. Yeah. That's fine. Thanks. Okay. Okay. Yep. Yep. Okay. Yep. That's alright. Okay. Yep. Yep. Okay. Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. Yeah. It does. So is the BetaShares Australia 200, that's similar to Vanguard's. Is it? Alright. Okay. What's the difference between the Australia 201 directly above it that's got the code q o zed? Because they both seem to be Australia 200, so we're doubling up. Yep. Okay. Okay. Alright. Cool. Yes, sir. Yeah. Okay. Yep. So, basically, that's act that's acting as a good security user. Okay. No. It's okay. Yep. Yep. Yep. Yep. Yeah. Okay. No. Not yet. Yeah. Sorry. That contribution per year, is that the sorry? So that's the that alright. That's the employer contribution, is it? So the alright. So if if I wanted to go up to my what is it called? The concessional cap. So what? I've got maybe somewhere around $88 that I could go extra in there, couldn't I? Yeah. Yep. Yep. Alright. Maybe we'll make that another conversation. I know you guys I work with at but they're all extremely conscious of what they've answered the year. Yeah. Because what what's it called? There's something I know there's a a rule or a law or something. If you go over over a certain amount, you get taxed like a maximum tax rate. Yep. Yep. Yeah. Okay. Yeah. I'll have a I'll if you can send that email with the instructions so I can at least get the figures. And then from there, you know, we can also look at whether I'd need to do that with our current, you know, trajectory. So because oh, yeah. Cool. Projected balance. Yeah. Yeah. I can I can guarantee that won't happen? Yeah. Yeah. Yeah. Yep. Yep. Okay. So that what you just mentioned about rolling money over from, obviously, with the current military thing going on in Iran, now is one of those opportune times to to do that. Is that correct? Yeah. It's crazy at the moment. Yep. Yep. Okay. Yep. Yep. Yep. Yeah. Fingers crossed. Okay. Yep. Yeah. Yeah. It does. That's insane. That is. One quick question on it then. If, you know, let's say I did pass the you know, from whatever, Does this does this life insurance policy payout as well as the life insurance in my super? Yep. Yeah. Okay. I think I think that's something quick. We may need to address at some point. I've we have a will, but it's through the Queensland state trustees. So I think we need to address that very shortly. Okay. So if if I go ahead with this who is it through? Sorry. So if I go through with this policy with the sender, how and the fees come out of my super, do we have, like, a projection on how that's gonna affect my my performance in my super going ahead. Oh, okay. Alright. Cool. Alright. Well, I think that would probably make sense for us then, wouldn't it? Yep. Yeah. It does. Probably the only other the only other question I've got at the moment. Remember how I said my employer, I think it might have been through MetLife, offers a 67% pay coverage should anything happen to me, and I'm, you know, unable to to perform my job. How does that sort of factor into all this? Because I think you at the time, you were trying to look into more detail around that. Okay. Was that where you were going next? Yeah. Cool. Alright. Sorry. I yeah. I just while while it's fresh in my head, I wanted to ask. Yep. Yeah. Yep. Yep. Yep. Okay. So that that fee, is that monthly? Because they're slightly further up in the table. It says it's per annum. Yeah. Okay. Alright. So have you sort of assessed that, you a hundred and twenty three months was somewhere around $1,500 a year? How that I'll put this. Like, the the payoff, is it is it worthwhile me doing this? Yeah. Yes. Yep. Yep. Okay. Yep. Alright. I've I've got two more quick things with it then. Did we did we compare this at all to doing this outside of MetLife, increasing that coverage, or is that even a possibility? Yep. Yep. Yep. Alright. Alright. The only other question I or thing of note, in the middle of this year, my you know how this is this is covered under ExxonMobil. So I work I work for Esso Australia who is a subsidiary, I guess you call it, of ExxonMobil. The the facility that I work in and the gas fields and everything that are fed that feed to it are fifty fifty owned between ExxonMobil and Woodside Australia. It's just ExxonMobil is the the operator of of those facilities. Around the middle of this year, that's gonna be changing and Woodside's gonna now become the operator. As far as I'm aware, we're still waiting on lots of information in regards to this change. But as far as I'm aware, I'll still be getting paid through Esso Australia and their, you know, their ABN. But they will they will now be under Woodside, I guess. So I'm not sure how how that's gonna affect things like this, you know, the life insurance and and yeah. So what I'll do, I'm I'm planning I'm going into night shift tonight. I'll read through, you know, as much of this documentation as as that you've sent me as I can, mainly mainly this document. But it might be prudent for us to wait until the middle of the year before we make a call on on going ahead with this insurance. Yeah. Yep. Yeah. Okay. Because just I figure we're in we're in March now. The the changeover as far as we've been told is meant to happen, you know, sort of June. So if we were to make, like, even if I was to say yes and sign up to this policy, I would imagine it's probably gonna take four to six weeks for all the paperwork to get done and for it to come into effect. So it it I don't know. What what what do you think? Should we just wait? Yeah. Yep. Okay. Yep. Alright. Okay. Yep. Yep. Yep. Sure. Yep. Okay. Beautiful. Thank you very much for that. No worries, Dana. 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Good day, Andrew. And yourself? Yeah. Yeah.\n\nThat's fine. Yep. Yep. Yeah. That's fine.\n\nYep. Sure. So Benjamin Heath Parker, the 10/12/1982, and Number 9 Cloud Street, Martha Street, Victoria. Yeah. No.\n\nThat's still the same one. Sorry. I'm just parking my I've just opened up my emails. Just trying to see. Oh, yeah.\n\nHere we go. Yep. Statement of device. Yep. Yep.\n\nAlright. So no. No. I'm sure you're about to say what I was gonna ask. Just which document I'm looking to open first.\n\nMhmm. Okay. I've just clicked on that statement and pause, so it's just opening me up. Yep. Oh, yep.\n\nThat's open. Yep. Yep. Okay. Yeah.\n\nI'll just quickly mention I know we've got about an hour, I think. So I'm just I'm currently parked at the front of my kid's school. So at about three at about 03:25. I don't know. Sorry.\n\nWhat time is it there? Yeah. Okay. So, yeah, basically, at about 02:25 your time, I'll I'll need to jump off this call. That's all.\n\nIf we're still going at that time. Yep. Yeah. Yeah. That's fine.\n\nThanks. Okay. Okay. Yep. Yep.\n\nOkay. Yep. That's alright. Okay. Yep.\n\nYep. Okay. Yep. Yep. Mhmm.\n\nYep. Yep. Yep. Yep. Yeah.\n\nIt does. So is the BetaShares Australia 200, that's similar to Vanguard's. Is it? Alright. Okay.\n\nWhat's the difference between the Australia 201 directly above it that's got the code q o zed? Because they both seem to be Australia 200, so we're doubling up. Yep. Okay. Okay.\n\nAlright. Cool. Yes, sir. Yeah. Okay.\n\nYep. So, basically, that's act that's acting as a good security user. Okay. No. It's okay.\n\nYep. Yep. Yep. Yep. Yeah.\n\nOkay. No. Not yet. Yeah. Sorry.\n\nThat contribution per year, is that the sorry? So that's the that alright. That's the employer contribution, is it? So the alright. So if if I wanted to go up to my what is it called?\n\nThe concessional cap. So what? I've got maybe somewhere around $88 that I could go extra in there, couldn't I? Yeah. Yep.\n\nYep. Alright. Maybe we'll make that another conversation. I know you guys I work with at but they're all extremely conscious of what they've answered the year. Yeah.\n\nBecause what what's it called? There's something I know there's a a rule or a law or something. If you go over over a certain amount, you get taxed like a maximum tax rate. Yep. Yep.\n\nYeah. Okay. Yeah. I'll have a I'll if you can send that email with the instructions so I can at least get the figures. And then from there, you know, we can also look at whether I'd need to do that with our current, you know, trajectory.\n\nSo because oh, yeah. Cool. Projected balance. Yeah. Yeah.\n\nI can I can guarantee that won't happen? Yeah. Yeah. Yeah. Yep.\n\nYep. Okay. So that what you just mentioned about rolling money over from, obviously, with the current military thing going on in Iran, now is one of those opportune times to to do that. Is that correct? Yeah.\n\nIt's crazy at the moment. Yep. Yep. Okay. Yep.\n\nYep. Yep. Yeah. Fingers crossed. Okay.\n\nYep. Yeah. Yeah. It does. That's insane.\n\nThat is. One quick question on it then. If, you know, let's say I did pass the you know, from whatever, Does this does this life insurance policy payout as well as the life insurance in my super? Yep. Yeah.\n\nOkay. I think I think that's something quick. We may need to address at some point. I've we have a will, but it's through the Queensland state trustees. So I think we need to address that very shortly.\n\nOkay. So if if I go ahead with this who is it through? Sorry. So if I go through with this policy with the sender, how and the fees come out of my super, do we have, like, a projection on how that's gonna affect my my performance in my super going ahead. Oh, okay.\n\nAlright. Cool. Alright. Well, I think that would probably make sense for us then, wouldn't it? Yep.\n\nYeah. It does. Probably the only other the only other question I've got at the moment. Remember how I said my employer, I think it might have been through MetLife, offers a 67% pay coverage should anything happen to me, and I'm, you know, unable to to perform my job. How does that sort of factor into all this?\n\nBecause I think you at the time, you were trying to look into more detail around that. Okay. Was that where you were going next? Yeah. Cool.\n\nAlright. Sorry. I yeah. I just while while it's fresh in my head, I wanted to ask. Yep.\n\nYeah. Yep. Yep. Yep. Okay.\n\nSo that that fee, is that monthly? Because they're slightly further up in the table. It says it's per annum. Yeah. Okay.\n\nAlright. So have you sort of assessed that, you a hundred and twenty three months was somewhere around $1,500 a year? How that I'll put this. Like, the the payoff, is it is it worthwhile me doing this? Yeah.\n\nYes. Yep. Yep. Okay. Yep.\n\nAlright. I've I've got two more quick things with it then. Did we did we compare this at all to doing this outside of MetLife, increasing that coverage, or is that even a possibility? Yep. Yep.\n\nYep. Alright. Alright. The only other question I or thing of note, in the middle of this year, my you know how this is this is covered under ExxonMobil. So I work I work for Esso Australia who is a subsidiary, I guess you call it, of ExxonMobil.\n\nThe the facility that I work in and the gas fields and everything that are fed that feed to it are fifty fifty owned between ExxonMobil and Woodside Australia. It's just ExxonMobil is the the operator of of those facilities. Around the middle of this year, that's gonna be changing and Woodside's gonna now become the operator. As far as I'm aware, we're still waiting on lots of information in regards to this change. But as far as I'm aware, I'll still be getting paid through Esso Australia and their, you know, their ABN.\n\nBut they will they will now be under Woodside, I guess. So I'm not sure how how that's gonna affect things like this, you know, the life insurance and and yeah. So what I'll do, I'm I'm planning I'm going into night shift tonight. I'll read through, you know, as much of this documentation as as that you've sent me as I can, mainly mainly this document. But it might be prudent for us to wait until the middle of the year before we make a call on on going ahead with this insurance.\n\nYeah. Yep. Yeah. Okay. Because just I figure we're in we're in March now.\n\nThe the changeover as far as we've been told is meant to happen, you know, sort of June. So if we were to make, like, even if I was to say yes and sign up to this policy, I would imagine it's probably gonna take four to six weeks for all the paperwork to get done and for it to come into effect. So it it I don't know. What what what do you think? Should we just wait?\n\nYeah. Yep. Okay. Yep. Alright.\n\nOkay. Yep. Yep. Yep. Sure.\n\nYep. Okay. Beautiful. Thank you very much for that. No worries, Dana.\n\nAlright. I'll read through all that tonight and, yeah, actually get back to you in the next couple of days. You too. Alright. Bye.\n\nYep.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.76,"end":2.26,"sentiment":"neutral","sentiment_score":0.04241166636347771},{"text":"Good day, Andrew.","start":6.72,"end":7.44,"sentiment":"positive","sentiment_score":0.5184725026289622},{"text":"And yourself?","start":7.44,"end":8.02,"sentiment":"positive","sentiment_score":0.3687589466571808},{"text":"Yeah.","start":14.885,"end":15.205,"sentiment":"neutral","sentiment_score":0.1414158046245575},{"text":"Yeah.","start":15.205,"end":15.445,"sentiment":"neutral","sentiment_score":0.17188753187656405}],"sentiment":"neutral","sentiment_score":0.3310813005082309,"num_words":8,"start":1.76,"end":15.445},{"sentences":[{"text":"That's fine.","start":15.445,"end":16.265,"sentiment":"neutral","sentiment_score":0.2842205613851547},{"text":"Yep.","start":21.045,"end":21.545,"sentiment":"neutral","sentiment_score":0.1031310185790062},{"text":"Yep.","start":33.15,"end":33.65,"sentiment":"neutral","sentiment_score":0.0943833440542221},{"text":"Yeah.","start":40.855,"end":41.015,"sentiment":"neutral","sentiment_score":0.13533838093280792},{"text":"That's fine.","start":41.015,"end":41.755,"sentiment":"neutral","sentiment_score":0.2661239504814148}],"sentiment":"neutral","sentiment_score":0.20479168104273932,"num_words":7,"start":15.445,"end":41.755},{"sentences":[{"text":"Yep.","start":49.335,"end":49.815,"sentiment":"neutral","sentiment_score":0.04930729418992996},{"text":"Sure.","start":49.815,"end":50.135,"sentiment":"neutral","sentiment_score":0.04301324114203453},{"text":"So Benjamin Heath Parker, the 10/12/1982, and Number 9 Cloud Street, Martha Street, Victoria.","start":50.135,"end":59.66,"sentiment":"neutral","sentiment_score":0.04342636678900037},{"text":"Yeah.","start":69.125,"end":69.625,"sentiment":"neutral","sentiment_score":0.024358196184039116},{"text":"No.","start":73.445,"end":73.685,"sentiment":"neutral","sentiment_score":-0.0935639664530754}],"sentiment":"neutral","sentiment_score":0.035060216672718525,"num_words":18,"start":49.335,"end":73.685},{"sentences":[{"text":"That's still the same one.","start":73.685,"end":75.065,"sentiment":"neutral","sentiment_score":-0.06156422216445208},{"text":"Sorry.","start":78.725,"end":78.965,"sentiment":"neutral","sentiment_score":-0.06196688860654831},{"text":"I'm just parking my I've just opened up my emails.","start":78.965,"end":86.88,"sentiment":"neutral","sentiment_score":0.010767051950097084},{"text":"Just trying to see.","start":87.1,"end":88.32,"sentiment":"neutral","sentiment_score":0.08317501563578844},{"text":"Oh, yeah.","start":92.020004,"end":96.46,"sentiment":"neutral","sentiment_score":0.0706128217279911}],"sentiment":"neutral","sentiment_score":0.00962764663960446,"num_words":22,"start":73.685,"end":96.46},{"sentences":[{"text":"Here we go.","start":96.46,"end":97.275,"sentiment":"neutral","sentiment_score":0.06508432825406392},{"text":"Yep.","start":98.235,"end":98.555,"sentiment":"neutral","sentiment_score":0.06241054832935333},{"text":"Statement of 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open.","start":165.08,"end":165.82,"sentiment":"neutral","sentiment_score":0.10213230922818184},{"text":"Yep.","start":188.525,"end":189.025,"sentiment":"neutral","sentiment_score":0.10922148078680038},{"text":"Yep.","start":189.08499,"end":189.58499,"sentiment":"neutral","sentiment_score":0.1895083636045456},{"text":"Okay.","start":213.86499,"end":214.36499,"sentiment":"neutral","sentiment_score":0.031067147850990295},{"text":"Yeah.","start":217.84999,"end":218.17,"sentiment":"neutral","sentiment_score":0.09195291996002196}],"sentiment":"neutral","sentiment_score":0.10433575510978699,"num_words":6,"start":165.08,"end":218.17},{"sentences":[{"text":"I'll just quickly mention I know we've got about an hour, I think.","start":218.17,"end":223.29,"sentiment":"neutral","sentiment_score":0.025048454865240134},{"text":"So I'm just I'm currently parked at the front of my kid's school.","start":223.29,"end":226.65,"sentiment":"neutral","sentiment_score":0.01799489249690221},{"text":"So at about three at about 03:25.","start":226.65,"end":230.575,"sentiment":"neutral","sentiment_score":-0.0003705918788909912},{"text":"I don't know.","start":230.575,"end":231.475,"sentiment":"neutral","sentiment_score":-0.04803060616056124},{"text":"Sorry.","start":231.935,"end":232.255,"sentiment":"neutral","sentiment_score":-0.06727096438407898}],"sentiment":"neutral","sentiment_score":0.009340718640266237,"num_words":37,"start":218.17,"end":232.255},{"sentences":[{"text":"What time is it there?","start":232.255,"end":233.395,"sentiment":"neutral","sentiment_score":-0.04077851176261902},{"text":"Yeah.","start":238.495,"end":238.815,"sentiment":"neutral","sentiment_score":0.009940053336322308},{"text":"Okay.","start":238.815,"end":239.135,"sentiment":"neutral","sentiment_score":0.010895613580942154},{"text":"So, yeah, basically, at about 02:25 your time, I'll I'll need to jump off this call.","start":239.135,"end":243.615,"sentiment":"neutral","sentiment_score":-0.041200375046173576},{"text":"That's all.","start":243.615,"end":244.05,"sentiment":"neutral","sentiment_score":-0.02245933748781681}],"sentiment":"neutral","sentiment_score":-0.03548726270440966,"num_words":25,"start":232.255,"end":244.05},{"sentences":[{"text":"If we're still going at that time.","start":244.21,"end":246.07,"sentiment":"neutral","sentiment_score":-0.10768044527087893},{"text":"Yep.","start":257.01498,"end":257.51498,"sentiment":"neutral","sentiment_score":0.3167873024940491},{"text":"Yeah.","start":266.69498,"end":267.01498,"sentiment":"neutral","sentiment_score":0.15975868701934814},{"text":"Yeah.","start":267.01498,"end":267.25497,"sentiment":"neutral","sentiment_score":0.20646968483924863},{"text":"That's 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alright.","start":369.655,"end":370.395,"sentiment":"neutral","sentiment_score":0.1706874743103981},{"text":"Okay.","start":422.89,"end":423.39,"sentiment":"neutral","sentiment_score":0.13723057508468628},{"text":"Yep.","start":484.745,"end":485.245,"sentiment":"neutral","sentiment_score":0.056841880083084106}],"sentiment":"neutral","sentiment_score":0.12085000053048134,"num_words":6,"start":364.12,"end":485.245},{"sentences":[{"text":"Yep.","start":497.79,"end":498.29,"sentiment":"neutral","sentiment_score":0.07800397276878357},{"text":"Okay.","start":535.13,"end":535.63,"sentiment":"neutral","sentiment_score":0.08333368599414825},{"text":"Yep.","start":561.45,"end":561.95,"sentiment":"neutral","sentiment_score":0.1066545769572258},{"text":"Yep.","start":581.215,"end":581.715,"sentiment":"neutral","sentiment_score":-0.06260035932064056},{"text":"Mhmm.","start":590.71,"end":591.21,"sentiment":"neutral","sentiment_score":-0.08066464215517044}],"sentiment":"neutral","sentiment_score":0.024945446848869325,"num_words":5,"start":497.79,"end":591.21},{"sentences":[{"text":"Yep.","start":601.675,"end":602.175,"sentiment":"neutral","sentiment_score":0.04708465188741684},{"text":"Yep.","start":645.1,"end":645.6,"sentiment":"neutral","sentiment_score":0.03574120253324509},{"text":"Yep.","start":665.675,"end":666.06,"sentiment":"neutral","sentiment_score":-0.039126913994550705},{"text":"Yep.","start":678.7,"end":679.2,"sentiment":"negative","sentiment_score":-0.3349933624267578},{"text":"Yeah.","start":736.605,"end":736.845,"sentiment":"neutral","sentiment_score":0.13962948322296145}],"sentiment":"neutral","sentiment_score":-0.030332987755537028,"num_words":5,"start":601.675,"end":736.845},{"sentences":[{"text":"It does.","start":736.845,"end":737.245,"sentiment":"neutral","sentiment_score":0.16472728550434113},{"text":"So is the BetaShares Australia 200, that's similar to Vanguard's.","start":737.245,"end":741.58496,"sentiment":"neutral","sentiment_score":0.09934829846024514},{"text":"Is it?","start":742.845,"end":743.58496,"sentiment":"neutral","sentiment_score":0.05370403453707695},{"text":"Alright.","start":743.96497,"end":744.46497,"sentiment":"neutral","sentiment_score":0.07245659828186035},{"text":"Okay.","start":748.63,"end":749.13,"sentiment":"neutral","sentiment_score":0.048506174236536026}],"sentiment":"neutral","sentiment_score":0.09695677482523024,"num_words":16,"start":736.845,"end":749.13},{"sentences":[{"text":"What's the difference between the Australia 201 directly above it that's got the code q o zed?","start":749.35,"end":757.13,"sentiment":"neutral","sentiment_score":-0.000841818654033191},{"text":"Because they both seem to be Australia 200, so we're doubling 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sir.","start":848.40497,"end":849.305,"sentiment":"neutral","sentiment_score":0.3314005434513092},{"text":"Yeah.","start":863.96,"end":864.46,"sentiment":"neutral","sentiment_score":0.1699654757976532},{"text":"Okay.","start":940.085,"end":940.585,"sentiment":"neutral","sentiment_score":0.13392692804336548}],"sentiment":"neutral","sentiment_score":0.2589302211999893,"num_words":6,"start":831.745,"end":940.585},{"sentences":[{"text":"Yep.","start":940.645,"end":941.145,"sentiment":"neutral","sentiment_score":0.14774933457374573},{"text":"So, basically, that's act that's acting as a good security user.","start":941.365,"end":945.465,"sentiment":"positive","sentiment_score":0.37320297956466675},{"text":"Okay.","start":981.98004,"end":982.48004,"sentiment":"neutral","sentiment_score":0.25395119190216064},{"text":"No.","start":1002.805,"end":1002.965,"sentiment":"neutral","sentiment_score":-0.11381955444812776},{"text":"It's 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if I wanted to go up to my what is it called?","start":1221.545,"end":1226.425,"sentiment":"neutral","sentiment_score":0.005726643438850131}],"sentiment":"neutral","sentiment_score":0.01134385838587251,"num_words":36,"start":1201.7,"end":1226.425},{"sentences":[{"text":"The concessional cap.","start":1226.425,"end":1227.805,"sentiment":"neutral","sentiment_score":-0.0006360343346993128},{"text":"So what?","start":1229.57,"end":1230.13,"sentiment":"neutral","sentiment_score":-0.01726680714637041},{"text":"I've got maybe somewhere around $88 that I could go extra in there, couldn't I?","start":1230.13,"end":1237.75,"sentiment":"neutral","sentiment_score":-0.009957649558782578},{"text":"Yeah.","start":1257.865,"end":1258.365,"sentiment":"neutral","sentiment_score":-0.025403104722499847},{"text":"Yep.","start":1269.85,"end":1270.35,"sentiment":"neutral","sentiment_score":0.21828055381774905}],"sentiment":"neutral","sentiment_score":0.00032140856439417183,"num_words":22,"start":1226.425,"end":1270.35},{"sentences":[{"text":"Yep.","start":1283.675,"end":1284.175,"sentiment":"neutral","sentiment_score":-0.06588703393936157},{"text":"Alright.","start":1295.51,"end":1295.83,"sentiment":"neutral","sentiment_score":0.032556239515542984},{"text":"Maybe we'll make that another conversation.","start":1295.83,"end":1297.85,"sentiment":"neutral","sentiment_score":0.03766493002573649},{"text":"I know you guys I work with at but they're all extremely conscious of what they've answered the year.","start":1298.1499,"end":1303.9249,"sentiment":"neutral","sentiment_score":0.03653382333485704},{"text":"Yeah.","start":1305.505,"end":1305.6649,"sentiment":"neutral","sentiment_score":0.013607259839773178}],"sentiment":"neutral","sentiment_score":0.03215745317616633,"num_words":28,"start":1283.675,"end":1305.6649},{"sentences":[{"text":"Because what what's it called?","start":1305.6649,"end":1307.345,"sentiment":"neutral","sentiment_score":-0.012806412950158119},{"text":"There's something I know there's a a rule or a law or something.","start":1307.345,"end":1311.0249,"sentiment":"neutral","sentiment_score":-0.03868072537275461},{"text":"If you go over over a certain amount, you get taxed like a maximum tax rate.","start":1311.0249,"end":1315.445,"sentiment":"neutral","sentiment_score":-0.047089418629184365},{"text":"Yep.","start":1324.3201,"end":1324.8201,"sentiment":"neutral","sentiment_score":0.14034807682037354},{"text":"Yep.","start":1338.655,"end":1339.155,"sentiment":"neutral","sentiment_score":0.20381061732769012}],"sentiment":"neutral","sentiment_score":-0.02711537495876352,"num_words":36,"start":1305.6649,"end":1339.155},{"sentences":[{"text":"Yeah.","start":1347.5,"end":1347.74,"sentiment":"neutral","sentiment_score":0.11212970316410063},{"text":"Okay.","start":1347.74,"end":1348.24,"sentiment":"neutral","sentiment_score":0.12519803643226624},{"text":"Yeah.","start":1348.7,"end":1349.1,"sentiment":"neutral","sentiment_score":0.15235379338264465},{"text":"I'll have a I'll if you can send that email with the instructions so I can at least get the figures.","start":1349.1,"end":1354.0599,"sentiment":"neutral","sentiment_score":0.11972057677450634},{"text":"And then from there, you know, we can also look at whether I'd need to do that with our current, you know, trajectory.","start":1354.0599,"end":1362.5851,"sentiment":"neutral","sentiment_score":0.10430629697182904}],"sentiment":"neutral","sentiment_score":0.11282677607650453,"num_words":47,"start":1347.5,"end":1362.5851},{"sentences":[{"text":"So because oh, yeah.","start":1363.8931,"end":1371.525,"sentiment":"neutral","sentiment_score":0.2593540772795677},{"text":"Cool.","start":1371.525,"end":1371.925,"sentiment":"neutral","sentiment_score":0.22045183181762695},{"text":"Projected 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happen?","start":1419.775,"end":1422.675,"sentiment":"neutral","sentiment_score":-0.2006011726334691},{"text":"Yeah.","start":1427.02,"end":1427.5,"sentiment":"neutral","sentiment_score":-0.05031774565577507},{"text":"Yeah.","start":1427.5,"end":1428.0,"sentiment":"neutral","sentiment_score":0.04767511039972305},{"text":"Yeah.","start":1483.1,"end":1483.6,"sentiment":"neutral","sentiment_score":-0.03987022489309311},{"text":"Yep.","start":1517.2101,"end":1517.61,"sentiment":"neutral","sentiment_score":0.21016620099544525}],"sentiment":"neutral","sentiment_score":-0.11976300335178773,"num_words":12,"start":1419.775,"end":1517.61},{"sentences":[{"text":"Yep.","start":1517.61,"end":1518.11,"sentiment":"neutral","sentiment_score":0.3040695786476135},{"text":"Okay.","start":1525.7849,"end":1526.2849,"sentiment":"neutral","sentiment_score":0.10770060122013092},{"text":"So that what you just mentioned about rolling money over from, obviously, with the current military thing going on in Iran, now is one of those opportune times to to do that.","start":1526.4249,"end":1538.91,"sentiment":"neutral","sentiment_score":0.028588663699338213},{"text":"Is that correct?","start":1538.91,"end":1539.73,"sentiment":"neutral","sentiment_score":0.06229942664504051},{"text":"Yeah.","start":1587.8,"end":1588.04,"sentiment":"neutral","sentiment_score":0.04018082469701767}],"sentiment":"neutral","sentiment_score":0.040886487444176486,"num_words":38,"start":1517.61,"end":1588.04},{"sentences":[{"text":"It's crazy at the 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crossed.","start":1709.645,"end":1710.625,"sentiment":"positive","sentiment_score":0.4446379244327545},{"text":"Okay.","start":1722.76,"end":1723.26,"sentiment":"neutral","sentiment_score":0.1877533793449402}],"sentiment":"positive","sentiment_score":0.354205201069514,"num_words":6,"start":1705.07,"end":1723.26},{"sentences":[{"text":"Yep.","start":1723.3201,"end":1723.8201,"sentiment":"positive","sentiment_score":0.33593088388442993},{"text":"Yeah.","start":1801.835,"end":1802.1549,"sentiment":"neutral","sentiment_score":0.10941486060619354},{"text":"Yeah.","start":1802.1549,"end":1802.3949,"sentiment":"neutral","sentiment_score":0.16043218970298767},{"text":"It does.","start":1802.3949,"end":1802.94,"sentiment":"neutral","sentiment_score":0.22961661964654922},{"text":"That's insane.","start":1898.5199,"end":1899.34,"sentiment":"neutral","sentiment_score":-0.30332203209400177}],"sentiment":"neutral","sentiment_score":0.06548101561410087,"num_words":7,"start":1723.3201,"end":1899.34},{"sentences":[{"text":"That is.","start":1911.325,"end":1912.225,"sentiment":"neutral","sentiment_score":-0.05557561479508877},{"text":"One quick question on it then.","start":1912.845,"end":1914.525,"sentiment":"neutral","sentiment_score":-0.00533286202698946},{"text":"If, you know, let's say I did pass the you know, from whatever, Does this does this life insurance policy payout as well as the life insurance in my super?","start":1914.525,"end":1928.5199,"sentiment":"neutral","sentiment_score":0.04692713636904955},{"text":"Yep.","start":1931.22,"end":1931.72,"sentiment":"positive","sentiment_score":0.5570763945579529},{"text":"Yeah.","start":1978.8899,"end":1979.13,"sentiment":"neutral","sentiment_score":0.1060168445110321}],"sentiment":"neutral","sentiment_score":0.04819397320970893,"num_words":40,"start":1911.325,"end":1979.13},{"sentences":[{"text":"Okay.","start":1979.13,"end":1979.63,"sentiment":"neutral","sentiment_score":0.10331051796674728},{"text":"I think I think that's something quick.","start":1981.37,"end":1983.3099,"sentiment":"neutral","sentiment_score":0.07112124136516026},{"text":"We may need to address at some point.","start":1983.45,"end":1985.45,"sentiment":"neutral","sentiment_score":-0.050085110357031226},{"text":"I've we have a will, but it's through the Queensland state trustees.","start":1985.45,"end":1989.87,"sentiment":"neutral","sentiment_score":-0.03283702904203286},{"text":"So I think we need to address that very shortly.","start":1990.01,"end":1993.1749,"sentiment":"neutral","sentiment_score":-0.022955743409693242}],"sentiment":"neutral","sentiment_score":-0.011134827840387038,"num_words":38,"start":1979.13,"end":1993.1749},{"sentences":[{"text":"Okay.","start":2035.7,"end":2036.1,"sentiment":"neutral","sentiment_score":0.027927836403250694},{"text":"So if if I go ahead with this who is it through?","start":2036.1,"end":2041.62,"sentiment":"neutral","sentiment_score":-0.007510451367124915},{"text":"Sorry.","start":2041.62,"end":2042.12,"sentiment":"neutral","sentiment_score":-0.11980637907981873},{"text":"So if I go through with this policy with the sender, how and the fees come out of my super, do we have, like, a projection on how that's gonna affect my my performance in my super going ahead.","start":2045.5399,"end":2065.4102,"sentiment":"neutral","sentiment_score":-0.1270101088552903},{"text":"Oh, okay.","start":2072.9102,"end":2073.73,"sentiment":"neutral","sentiment_score":0.06776296347379684}],"sentiment":"neutral","sentiment_score":-0.09090676868165082,"num_words":55,"start":2035.7,"end":2073.73},{"sentences":[{"text":"Alright.","start":2075.47,"end":2075.95,"sentiment":"neutral","sentiment_score":0.2270943820476532},{"text":"Cool.","start":2075.95,"end":2076.45,"sentiment":"neutral","sentiment_score":0.3215654492378235},{"text":"Alright.","start":2077.585,"end":2077.825,"sentiment":"neutral","sentiment_score":0.185577392578125},{"text":"Well, I think that would probably make sense for us then, wouldn't it?","start":2077.825,"end":2081.205,"sentiment":"neutral","sentiment_score":0.10737940181906407},{"text":"Yep.","start":2180.5498,"end":2181.0498,"sentiment":"neutral","sentiment_score":0.02234488725662231}],"sentiment":"neutral","sentiment_score":0.12661849028047392,"num_words":17,"start":2075.47,"end":2181.0498},{"sentences":[{"text":"Yeah.","start":2190.225,"end":2190.5452,"sentiment":"neutral","sentiment_score":0.06945271790027618},{"text":"It does.","start":2190.5452,"end":2191.205,"sentiment":"neutral","sentiment_score":0.09821009635925292},{"text":"Probably the only other the only other question I've got at the moment.","start":2191.905,"end":2195.2852,"sentiment":"neutral","sentiment_score":0.04067794154756344},{"text":"Remember how I said my employer, I think it might have been through MetLife, offers a 67% pay coverage should anything happen to me, and I'm, you know, unable to to perform my job.","start":2195.425,"end":2212.5,"sentiment":"neutral","sentiment_score":-0.06549494650543612},{"text":"How does that sort of factor into all this?","start":2212.8,"end":2215.035,"sentiment":"neutral","sentiment_score":-0.04899561281005541}],"sentiment":"neutral","sentiment_score":-0.03174750077522407,"num_words":59,"start":2190.225,"end":2215.035},{"sentences":[{"text":"Because I think you at the time, you were trying to look into more detail around that.","start":2215.035,"end":2218.895,"sentiment":"neutral","sentiment_score":-0.0693503716850982},{"text":"Okay.","start":2225.515,"end":2225.835,"sentiment":"neutral","sentiment_score":0.043747033923864365},{"text":"Was that where you were going next?","start":2225.835,"end":2227.29,"sentiment":"neutral","sentiment_score":0.031561643949576786},{"text":"Yeah.","start":2230.49,"end":2230.81,"sentiment":"neutral","sentiment_score":0.14203304052352905},{"text":"Cool.","start":2230.81,"end":2231.21,"sentiment":"neutral","sentiment_score":0.1306670904159546}],"sentiment":"neutral","sentiment_score":-0.02376213504208459,"num_words":27,"start":2215.035,"end":2231.21},{"sentences":[{"text":"Alright.","start":2231.21,"end":2231.53,"sentiment":"neutral","sentiment_score":0.06677685678005219},{"text":"Sorry.","start":2231.53,"end":2231.73,"sentiment":"neutral","sentiment_score":0.013321500271558762},{"text":"I yeah.","start":2231.73,"end":2232.33,"sentiment":"neutral","sentiment_score":-0.0035373279824852943},{"text":"I just while while it's fresh in my head, I wanted to ask.","start":2232.33,"end":2234.99,"sentiment":"neutral","sentiment_score":-0.012595563697127195},{"text":"Yep.","start":2251.865,"end":2252.365,"sentiment":"neutral","sentiment_score":0.06283581256866455}],"sentiment":"neutral","sentiment_score":-0.001549045244852702,"num_words":18,"start":2231.21,"end":2252.365},{"sentences":[{"text":"Yeah.","start":2268.0398,"end":2268.405,"sentiment":"neutral","sentiment_score":0.07639188319444656},{"text":"Yep.","start":2350.18,"end":2350.68,"sentiment":"neutral","sentiment_score":0.13284656405448914},{"text":"Yep.","start":2406.56,"end":2407.06,"sentiment":"neutral","sentiment_score":-0.2450562119483948},{"text":"Yep.","start":2434.48,"end":2434.98,"sentiment":"neutral","sentiment_score":-0.020658021792769432},{"text":"Okay.","start":2460.68,"end":2461.08,"sentiment":"neutral","sentiment_score":0.02932959981262684}],"sentiment":"neutral","sentiment_score":-0.005429237335920339,"num_words":5,"start":2268.0398,"end":2461.08},{"sentences":[{"text":"So that that fee, is that monthly?","start":2461.08,"end":2463.72,"sentiment":"neutral","sentiment_score":0.01586216195885624},{"text":"Because they're slightly further up in the table.","start":2463.72,"end":2465.96,"sentiment":"neutral","sentiment_score":0.02231521822977811},{"text":"It says it's per annum.","start":2465.96,"end":2467.18,"sentiment":"neutral","sentiment_score":0.0015241362463711994},{"text":"Yeah.","start":2472.7852,"end":2473.105,"sentiment":"neutral","sentiment_score":0.018812144175171852},{"text":"Okay.","start":2473.105,"end":2473.5051,"sentiment":"neutral","sentiment_score":0.03055506944656372}],"sentiment":"neutral","sentiment_score":0.015752035200173188,"num_words":22,"start":2461.08,"end":2473.5051},{"sentences":[{"text":"Alright.","start":2473.5051,"end":2473.825,"sentiment":"neutral","sentiment_score":0.049743156880140305},{"text":"So have you sort of assessed that, you a hundred and twenty three months was somewhere around $1,500 a year?","start":2473.825,"end":2484.35,"sentiment":"neutral","sentiment_score":0.031474106945097446},{"text":"How that I'll put this.","start":2486.09,"end":2490.59,"sentiment":"neutral","sentiment_score":0.003681068867444992},{"text":"Like, the the payoff, is it is it worthwhile me doing this?","start":2490.65,"end":2496.775,"sentiment":"neutral","sentiment_score":0.005860114159683387},{"text":"Yeah.","start":2535.585,"end":2536.085,"sentiment":"neutral","sentiment_score":-0.09683475643396378}],"sentiment":"neutral","sentiment_score":0.017208134707732078,"num_words":39,"start":2473.5051,"end":2536.085},{"sentences":[{"text":"Yes.","start":2562.195,"end":2562.695,"sentiment":"positive","sentiment_score":0.3794932961463928},{"text":"Yep.","start":2591.825,"end":2592.21,"sentiment":"neutral","sentiment_score":0.0520450584590435},{"text":"Yep.","start":2592.45,"end":2592.95,"sentiment":"neutral","sentiment_score":0.04641451686620712},{"text":"Okay.","start":2595.65,"end":2596.15,"sentiment":"neutral","sentiment_score":0.09750568866729736},{"text":"Yep.","start":2635.52,"end":2636.02,"sentiment":"neutral","sentiment_score":-0.00015687569975852966}],"sentiment":"neutral","sentiment_score":0.11506033688783646,"num_words":5,"start":2562.195,"end":2636.02},{"sentences":[{"text":"Alright.","start":2659.9702,"end":2660.4502,"sentiment":"neutral","sentiment_score":0.0685538724064827},{"text":"I've I've got two more quick things with it then.","start":2660.4502,"end":2663.35,"sentiment":"neutral","sentiment_score":0.09960889592766761},{"text":"Did we did we compare this at all to doing this outside of MetLife, increasing that coverage, or is that even a possibility?","start":2664.485,"end":2673.705,"sentiment":"neutral","sentiment_score":0.00845185725990197},{"text":"Yep.","start":2679.54,"end":2680.04,"sentiment":"neutral","sentiment_score":0.0209902822971344},{"text":"Yep.","start":2689.9402,"end":2690.4402,"sentiment":"neutral","sentiment_score":0.14679093658924103}],"sentiment":"neutral","sentiment_score":0.039633799098535545,"num_words":36,"start":2659.9702,"end":2690.4402},{"sentences":[{"text":"Yep.","start":2696.315,"end":2696.7148,"sentiment":"neutral","sentiment_score":0.1482573002576828},{"text":"Alright.","start":2696.7148,"end":2697.2148,"sentiment":"positive","sentiment_score":0.4025573134422302},{"text":"Alright.","start":2700.875,"end":2701.375,"sentiment":"neutral","sentiment_score":0.10996054857969284},{"text":"The only other question I or thing of note, in the middle of this year, my you know how this is this is covered under ExxonMobil.","start":2701.515,"end":2710.8198,"sentiment":"neutral","sentiment_score":-0.0006927695268621811},{"text":"So I work I work for Esso Australia who is a subsidiary, I guess you call it, of ExxonMobil.","start":2711.52,"end":2719.06,"sentiment":"neutral","sentiment_score":0.010759576076739713}],"sentiment":"neutral","sentiment_score":0.017649897917484243,"num_words":48,"start":2696.315,"end":2719.06},{"sentences":[{"text":"The the facility that I work in and the gas fields and everything that are fed that feed to it are fifty fifty owned between ExxonMobil and Woodside Australia.","start":2721.7349,"end":2733.1948,"sentiment":"neutral","sentiment_score":0.011047602374235103},{"text":"It's just ExxonMobil is the the operator of of those facilities.","start":2733.64,"end":2738.7,"sentiment":"neutral","sentiment_score":-0.0028893792239779777},{"text":"Around the middle of this year, that's gonna be changing and Woodside's gonna now become the operator.","start":2740.3599,"end":2744.78,"sentiment":"neutral","sentiment_score":-0.011838445001665284},{"text":"As far as I'm aware, we're still waiting on lots of information in regards to this change.","start":2745.16,"end":2752.355,"sentiment":"neutral","sentiment_score":-0.03008816492579439},{"text":"But as far as I'm aware, I'll still be getting paid through Esso Australia and their, you know, their ABN.","start":2753.935,"end":2759.4749,"sentiment":"neutral","sentiment_score":0.002793774695601314}],"sentiment":"neutral","sentiment_score":-0.003917867845380085,"num_words":94,"start":2721.7349,"end":2759.4749},{"sentences":[{"text":"But they will they will now be under Woodside, I guess.","start":2760.5198,"end":2765.48,"sentiment":"neutral","sentiment_score":-0.0164001157337969},{"text":"So I'm not sure how how that's gonna affect things like this, you know, the life insurance and and yeah.","start":2765.48,"end":2774.805,"sentiment":"neutral","sentiment_score":-0.18892697812989354},{"text":"So what I'll do, I'm I'm planning I'm going into night shift tonight.","start":2774.805,"end":2780.005,"sentiment":"neutral","sentiment_score":0.0313639511855749},{"text":"I'll read through, you know, as much of this documentation as as that you've sent me as I can, mainly mainly this document.","start":2780.005,"end":2786.585,"sentiment":"neutral","sentiment_score":0.016141896662504776},{"text":"But it might be prudent for us to wait until the middle of the year before we make a call on on going ahead with this insurance.","start":2788.99,"end":2797.49,"sentiment":"neutral","sentiment_score":-0.05573268607258797}],"sentiment":"neutral","sentiment_score":-0.04983753586148328,"num_words":94,"start":2760.5198,"end":2797.49},{"sentences":[{"text":"Yeah.","start":2809.425,"end":2809.925,"sentiment":"neutral","sentiment_score":-0.02686603926122189},{"text":"Yep.","start":2826.75,"end":2827.25,"sentiment":"neutral","sentiment_score":0.006607194896787405},{"text":"Yeah.","start":2853.1448,"end":2853.4648,"sentiment":"neutral","sentiment_score":0.05422272905707359},{"text":"Okay.","start":2853.4648,"end":2853.785,"sentiment":"neutral","sentiment_score":0.07332907617092133},{"text":"Because just I figure we're in we're in March now.","start":2853.785,"end":2856.9248,"sentiment":"neutral","sentiment_score":0.066134337708354}],"sentiment":"neutral","sentiment_score":0.05490259556765003,"num_words":14,"start":2809.425,"end":2856.9248},{"sentences":[{"text":"The the changeover as far as we've been told is meant to happen, you know, sort of June.","start":2857.1448,"end":2862.125,"sentiment":"neutral","sentiment_score":0.0629238569074207},{"text":"So if we were to make, like, even if I was to say yes and sign up to this policy, I would imagine it's probably gonna take four to six weeks for all the paperwork to get done and for it to come into effect.","start":2863.865,"end":2874.6602,"sentiment":"neutral","sentiment_score":0.03880161566452848},{"text":"So it it I don't know.","start":2876.32,"end":2877.52,"sentiment":"neutral","sentiment_score":-0.053627882773677506},{"text":"What what what do you think?","start":2877.52,"end":2878.7202,"sentiment":"neutral","sentiment_score":-0.11839034780859947},{"text":"Should we just wait?","start":2878.7202,"end":2879.78,"sentiment":"neutral","sentiment_score":-0.09594471380114555}],"sentiment":"neutral","sentiment_score":0.018516631525811515,"num_words":79,"start":2857.1448,"end":2879.78},{"sentences":[{"text":"Yeah.","start":2890.115,"end":2890.615,"sentiment":"negative","sentiment_score":-0.3485247492790222},{"text":"Yep.","start":2916.415,"end":2916.895,"sentiment":"neutral","sentiment_score":0.025829482823610302},{"text":"Okay.","start":2916.895,"end":2917.395,"sentiment":"neutral","sentiment_score":0.03376306965947151},{"text":"Yep.","start":2922.175,"end":2922.54,"sentiment":"neutral","sentiment_score":0.09484885632991792},{"text":"Alright.","start":2923.02,"end":2923.52,"sentiment":"neutral","sentiment_score":0.16317681968212128}],"sentiment":"neutral","sentiment_score":-0.006181304156780243,"num_words":5,"start":2890.115,"end":2923.52},{"sentences":[{"text":"Okay.","start":2938.9148,"end":2939.4148,"sentiment":"positive","sentiment_score":0.40784305334091187},{"text":"Yep.","start":2980.095,"end":2980.595,"sentiment":"positive","sentiment_score":0.5591559410095215},{"text":"Yep.","start":2990.17,"end":2990.67,"sentiment":"neutral","sentiment_score":0.1112261414527893},{"text":"Yep.","start":3019.76,"end":3020.0798,"sentiment":"neutral","sentiment_score":0.11263253539800644},{"text":"Sure.","start":3020.0798,"end":3020.5798,"sentiment":"neutral","sentiment_score":0.18774884939193728}],"sentiment":"neutral","sentiment_score":0.27572130411863327,"num_words":5,"start":2938.9148,"end":3020.5798},{"sentences":[{"text":"Yep.","start":3080.68,"end":3081.18,"sentiment":"positive","sentiment_score":0.35844361782073975},{"text":"Okay.","start":3125.41,"end":3125.73,"sentiment":"neutral","sentiment_score":0.2885618805885315},{"text":"Beautiful.","start":3125.73,"end":3126.23,"sentiment":"positive","sentiment_score":0.7562119364738464},{"text":"Thank you very much for that.","start":3126.29,"end":3127.67,"sentiment":"positive","sentiment_score":0.8338977297147115},{"text":"No worries, Dana.","start":3134.53,"end":3135.49,"sentiment":"neutral","sentiment_score":0.23465131719907126}],"sentiment":"positive","sentiment_score":0.5925464803973833,"num_words":12,"start":3080.68,"end":3135.49},{"sentences":[{"text":"Alright.","start":3135.49,"end":3135.73,"sentiment":"neutral","sentiment_score":0.17129001021385193},{"text":"I'll read through all that tonight and, yeah, actually get back to you in the next couple of days.","start":3135.73,"end":3140.15,"sentiment":"neutral","sentiment_score":0.20885592463769412},{"text":"You too.","start":3144.249,"end":3144.729,"sentiment":"positive","sentiment_score":0.47488702833652496},{"text":"Alright.","start":3144.729,"end":3145.0488,"sentiment":"neutral","sentiment_score":0.297157883644104},{"text":"Bye.","start":3145.0488,"end":3145.5488,"sentiment":"neutral","sentiment_score":0.3282111883163452}],"sentiment":"neutral","sentiment_score":0.2381123211234808,"num_words":24,"start":3135.49,"end":3145.5488},{"sentences":[{"text":"Yep.","start":3147.2888,"end":3147.7888,"sentiment":"neutral","sentiment_score":-0.07541025429964066}],"sentiment":"neutral","sentiment_score":-0.07541025429964066,"num_words":1,"start":3147.2888,"end":3147.7888}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Ben. It's Dana from Ophiuch Financial. How are you this afternoon?\n\nChannel 1: Good day, Andrew. And yourself?\n\nChannel 0: I'm very well. Thank you. I had you booked in to go through your updated device document. Is now still a good time there for you?\n\nChannel 1: Yeah. Yeah. That's fine.\n\nChannel 0: Yep. Fantastic. Do you happen to have access to your emails there as well?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. I'm just gonna send these emails through to you via email. If you wanna pop in there and open that one up for me, then we can kinda go through it. That way you can see the document as I'm going through it to make it easier on yourself there.\n\nBen, before\n\nChannel 1: Yep.\n\nChannel 0: we jump into the call properly as well, just to let you know, we do record our calls for quality and training purposes moving forward. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Lovely. And I do need to do security day with you as well. I'll just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yep. Sure. So Benjamin Heath\n\nChannel 0: Yeah.\n\nChannel 1: Parker,\n\nChannel 0: Yep.\n\nChannel 1: the 10/12/1982,\n\nChannel 0: Yep.\n\nChannel 1: and Number 9 Cloud Street, Martha Street,\n\nChannel 0: Perfect.\n\nChannel 1: Victoria.\n\nChannel 0: Yep. Perfect. Thank you so much for that. I've just sent those emails sorry. The email through to you there.\n\nHopefully, it pops through fairly quickly. Your email, I've\n\nChannel 1: Yeah.\n\nChannel 0: gotparkasolutions@hotmail.com. There's been no changes there at all?\n\nChannel 1: No. That's still the same\n\nChannel 0: No?\n\nChannel 1: one.\n\nChannel 0: Perfect. Lovely. Thank you for that.\n\nChannel 1: Sorry. I'm just parking my\n\nChannel 0: No. That's okay. You're absolutely fine.\n\nChannel 1: I've just opened up my emails. Just trying\n\nChannel 0: Perfect.\n\nChannel 1: to see.\n\nChannel 0: It should come through I think it says my name on there, so Dana Taylor, and it\n\nChannel 1: Oh,\n\nChannel 0: should come through from OdooSign.\n\nChannel 1: yeah. Here we go.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Yep. Statement of device.\n\nChannel 0: That's the one. So on the front there, the statement of advice has been prepared for yourself, Benjamin Parker, there as of today yesterday's date, sorry, the 03/04/2026. It's insane. The year is flying by already. Will be at Christmas again in no time.\n\nChannel 1: Yep.\n\nChannel 0: On the bottom there, it has been prepared by myself, Dana Taylor, and my authorized representative number is 13043\n\nChannel 1: Yep.\n\nChannel 0: 94. Okay? If\n\nChannel 1: Alright.\n\nChannel 0: you scroll\n\nChannel 1: So\n\nChannel 0: forward now sorry. You're right.\n\nChannel 1: no. No. I'm sure you're about to say what I was gonna ask. Just which document I'm looking to open first.\n\nChannel 0: So the first one there is the statement of advice. So when you open the email there, it should have a little button that says sign. If you click on that, it takes you forward so you can move through the document there, but it doesn't ask you\n\nChannel 1: Mhmm.\n\nChannel 0: to sign anything straight away. So you don't have to sign anything until after you've read it through.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: I've just clicked on that statement and pause, so it's just\n\nChannel 0: Yep.\n\nChannel 1: opening me up.\n\nChannel 0: That's okay.\n\nChannel 1: Yep.\n\nChannel 0: That's not a problem at all.\n\nChannel 1: Oh, yep. That's open.\n\nChannel 0: Yep. Perfect. Okay. So as you are scrolling past the first page there, the next page does basically note down that all the advice is provided under best interest duty, which is part of the corporations. That's just about just making sure that we know what your goals are, what your circumstances are to the fullest extent to make sure any advice provided is in your best interest and there to help you meet your goals.\n\nOkay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. Scrolling forward to page number three, and this is just running you through the areas that this advice is touching on. So scoping in and scoping out. We've got here superannuation. So we're working towards your goal of being able to hopefully retire at the age of 60 there.\n\nYou wanted a comfortable lifestyle. You still have a lot of time on your side before we reach that goal, but we are working towards that with this advice document and any thereafter. Okay?\n\nChannel 1: Okay.\n\nChannel 0: We've also scoped in sorry. You're right?\n\nChannel 1: Yeah. I'll just quickly mention I know we've got about an hour, I think. So\n\nChannel 0: Yeah.\n\nChannel 1: I'm just I'm currently parked at the front of my kid's school. So at about\n\nChannel 0: Okay.\n\nChannel 1: three at about 03:25. I don't know. Sorry. What time is it there?\n\nChannel 0: It's 01:30 here. So it's 02:30 in New South Wales and Victoria.\n\nChannel 1: Yeah. Okay. So, yeah, basically, at about 02:25 your time, I'll I'll need to jump off this call. That's all.\n\nChannel 0: Okay.\n\nChannel 1: If\n\nChannel 0: No.\n\nChannel 1: we're\n\nChannel 0: That's\n\nChannel 1: still going at that time.\n\nChannel 0: that's okay. I what I'll do is I will just kinda go through things a little bit faster than I would, and then you I'll just have some of the points where I sorta have to to make it easier on you.\n\nChannel 1: Yep.\n\nChannel 0: And then I can let you go back and you can read it through, and then you can always come back and let me know if there's any additional questions or anything. Is that okay? Is it making it a bit easier for you?\n\nChannel 1: Yeah. Yeah. That's fine.\n\nChannel 0: Yeah. Oh, good. Not a problem at all. This\n\nChannel 1: Thanks.\n\nChannel 0: that's okay. It's not a problem at all. If anything comes up, you go, Dana, I have to go. It's not an issue. We can always come back and and have another conversation.\n\nOkay.\n\nChannel 1: Okay.\n\nChannel 0: Easy. The rest of the scoping section there, so we have looked at insurances. Obviously, that is part of you do have your insurances employer paid in Plum Super Day. You've also got your employer paid income protection policy. We were able to get some information around those policies, and we were also looking at some TBD cover because it's something that you don't have but wanted to look at getting.\n\nSo I have made some recommendations around those for you.\n\nChannel 1: Okay.\n\nChannel 0: We're also looking at the estate planning side of things and making sure that beneficiary nominations are up to date. You wanted to make sure if anything happens that your beneficiaries were all covered, that in the event of passing prematurely, touch wood, it never happens, that all the funds are paid to your wife as you continue to look after your family. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Scoping out areas of trauma. So it's an additional insurance policy paid out of your back pocket. You didn't really wanna look at that for the time being, and that's absolutely okay. We can look at that down the track. And you were also focusing on paying down your mortgage as quickly as possible there.\n\nSo, again, we've scoped out that area for now, but it's down the track. If you track, if you want a cash on budgeting advice, we can absolutely help you as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: To make it easier on you, if I can get you, sorry, to scroll down for me, just to page number 12. This is essentially running through the the start of the recommendations, and I'll take you through from here.\n\nChannel 1: Okay.\n\nChannel 0: The heading there for you, Ben, should say strategy recommendations.\n\nChannel 1: Yep. That's alright.\n\nChannel 0: Yep. Perfect. Perfect. So I did go back and do some really good in-depth research around Pumpsilba for you to understand what the product is. It is an employer policy and really understand in-depth about the insurance that you do hold in there.\n\nRead the PDF from cover to cover as well for you. We are making a recommendation again that we do remain to keep your plumb super. When I did speak to them, the insurance policies within plumb, they are employ or it's death death only, so life only. It doesn't have a TBD component attached to it. But, essentially, when I was able to do the research with them, it is an employer paid policy.\n\nSo your employer is making contributions to cover the cost of the insurance premiums on your behalf, and the amount the employer pays for that PlumSafe account towards your well, I consider them concessional contributions. So it does go towards your contributions cap there. But, essentially,\n\nChannel 1: Okay.\n\nChannel 0: your your employer does pay for the insurances. And when I had a really good look at the fee structure, the plum fee structure wasn't too bad at all for that scenario. So I am recommending that we do retain that for the time being. Keep your contributions going into plum and hold the debt cover within that. I'm also recommending that we do retain hub twenty four as well.\n\nHowever, I went back and had a really good look at the portfolio, and I am making a recommendation to alter some of the investments within the portfolio, and I'll show you that very shortly. Okay? I'm also recommending that we do still retain a balance in Plum Super of 30,000. I wanna make sure that our team are contacting you every quarter moving forward. We'll double check the balance within the Plum Super there, and anything over that 30,000 is gonna be rolled into hub twenty four.\n\nI wanna do this on a quarterly basis for you because your balance is increasing on a much faster rate. Smaller changes in the market are gonna have a bigger effect in your balance, and we have seen some of ups and downs over the past year there. So having\n\nChannel 1: Yep.\n\nChannel 0: smaller amounts moved from Plum Super into Hub twenty four on a more regular basis means that you're sort of dollar cost averaging a little bit more. So it helps to take advantage of downtimes in the market, and, obviously, it takes advantage of those uptimes\n\nChannel 1: Yep.\n\nChannel 0: as well. So it's about making sure that we're moving smaller amounts in on a regular basis to take advantage of market reactions whilst keeping enough money in your plum super to retain your insurances and also make sure that we're covering in case that we saw a bit of a downturn. The other side of that is I'm also making a recommendation around the insurance side of things with TBD. So I wanna make sure that Plum Super has enough to cover all your insurance premiums. Okay?\n\nPerfect. With this one here, if I can get you just to scroll sorry. Scroll down a bit further for me. I'll show\n\nChannel 1: Okay.\n\nChannel 0: you the changes to the portfolio. So on page number 16 then, I went through and had a really good look at your portfolio, how it was working. You are in a high growth portfolio. You are happy to stay in a high growth portfolio, which is absolutely fine. And at the moment, in your super fund in Plum, you have a bit over 51,509.\n\nSo it has been fine to stay at the moment while we've been going through and doing the research because the funds are currently invested. But to make sure that\n\nChannel 1: Yep.\n\nChannel 0: we do keep just that 30,000 in there for you for the time being, we are gonna move about 21,509 and 32 out of fund and put it into hub twenty four. When we're inside hub twenty four there, I've made some changes. So been along the Australian Equities there, which is the second one down, when I had\n\nChannel 1: Yep.\n\nChannel 0: a really good look at the portfolio, that has been underperforming for the last couple of months there. So we are making a recommendation to remove that solely from your portfolio.\n\nChannel 1: Mhmm.\n\nChannel 0: From there, to keep your Australian equities component, we're actually gonna move the money into on the bottom of that same page, you'll see the beta shares Aussie 200, so a 200. We're actually gonna\n\nChannel 1: Yep.\n\nChannel 0: buy into that, and that's gonna replace the Ben along Australian equities. Essentially, what's happened that we've noticed coming back this year is that Ben along one of the underlying investments within that managed fund. Corporate Traveler, unfortunately, has been had a bit of an issue late last year. They were kind of being a bit dishonest to the market there. That had been reported to the market with their normal reporting obligations as a public company.\n\nAnd then because Bennelong held them, unfortunately, it meant that Corporate Traveler had to be reevaluated. And then Bennelong, because they still hold them, had to be reevaluated as well. So it meant that Bennelong has now been underperforming. We don't want you to have underperforming funds, so we're gonna remove that out of your portfolio and change the exposure. The\n\nChannel 1: Yep.\n\nChannel 0: BetaShares Australia two hundred is still giving you exposure to, essentially, the top 200 companies in Australia. The difference here is that the BetaShares Aussie two hundred is more of a passively managed portfolio. The idea of having Benelong was that it was more actively managed there, and Van Along as an investment manager, their role was to try and outperform against the market. They haven't done that.\n\nChannel 1: Yep.\n\nChannel 0: And when I sort of looked at what they were doing, they haven't been actively managing their portfolios at all. They haven't been buying and selling or maneuvering anything there. They kind of have been holding steady on what they believe is correct. So because\n\nChannel 1: Yep.\n\nChannel 0: it's underperforming, it's not doing you any favors. It's time to remove that app. The beta shares Aussie 200 still giving you access to Australian shares. It's still giving you access to the top 200 companies on the ASX. And one of the good things about this sort of investment is there's a certain criteria to be in the Aussie 200, the top 200 companies.\n\nSo when a company falls out of being in that top 200, that means within the beta shares Australia 200, that company is removed as well. So you don't have to have that underlying active management to still get good returns. It's just about making sure you still have the right asset allocation, but that we're not paying too much. And the management fees, the beta shares Aussie 200 is actually cheaper than Bannalung. So we've been able to maneuver the portfolio, remove underperforming investments, put you keep your exposure working the same way for you, and also make sure we kind of reduce the fees a little bit for you as well.\n\nDoes that make sense?\n\nChannel 1: Yeah. It does. So is the BetaShares Australia 200, that's similar to Vanguard's.\n\nChannel 0: Yeah.\n\nChannel 1: Is it?\n\nChannel 0: Yeah.\n\nChannel 1: Alright.\n\nChannel 0: Yeah. Very similar. They track the top 200 companies on the ASX.\n\nChannel 1: Okay. What's the difference between the Australia 201 directly above it that's got the code q o zed? Because they both\n\nChannel 0: The\n\nChannel 1: seem\n\nChannel 0: queue\n\nChannel 1: to\n\nChannel 0: up.\n\nChannel 1: be Australia 200, so we're doubling\n\nChannel 0: Yeah.\n\nChannel 1: up.\n\nChannel 0: It is it is giving you exposure to the top 200 companies. It's not so much doubling up because we have we've changed the exposure levels in there. Essentially, the a 200 gives you more of an income producing, so they actually pay really good dividends. But between the two, you're not overexposing. You're not doubling up in any way, shape, or form.\n\nThe beta shares Rafi 200 does track the top 200 companies, but there is some changes. They also track some of the short some of the lower two sorry. Some of the lower 200 as well. So they look at the what's the biggest companies in Australia on the ASX. They're also giving you a little bit more diversification over different areas.\n\nWhen we\n\nChannel 1: Yep.\n\nChannel 0: look at what they're invested in, the two comp the two investments alone is not overexposing you in any way, shape, or form. It's about giving you diversification, but the beta shares a 200 actually gives you higher dividends, which is probably really good as well. So between\n\nChannel 1: Okay.\n\nChannel 0: the two of them, it's giving you good exposure. It's giving you diversification. We're definitely not overexposing in any way, shape, or form or doubling up too much. It's just about making sure you've got a good a good range of assets in there.\n\nChannel 1: Okay. Alright. Cool.\n\nChannel 0: Yeah. Perfect. You will also see we do still have the China new economy. Still just keeping that in there for you. It hasn't been performing too badly.\n\nPhysical Gold has been doing extremely well. I don't know if you've been watching that in any way, shape, or form, But physical\n\nChannel 1: Yes,\n\nChannel 0: gold has\n\nChannel 1: sir.\n\nChannel 0: done very, very well, so we're keeping that in there for you. We are rebalancing the portfolio, so you will see us just selling some of those investments down a little bit. It's just by bringing you back into line so you're not overexposed or, you know, taking on too much risk in any way.\n\nChannel 1: Yeah.\n\nChannel 0: We also still keep the BetaShares cybersecurity. The S and P 500 is the top 500 companies within The US there, and we've also got the Fair Neck Australian property keeping that in there for you as well. The other one we are looking to remove is the BetaShares Bank hybrids there. So that's the third one down from the top. That one there is bank hybrids have sort of more of a complex investment.\n\nThey work very similar to bonds where you're purchasing some investments within the top four banks. Bank hybrids have been quite good because they act like shares where you can trade them and they do get additional growth. However, they are more of an income producing asset. They have been seen as lower risk over the last couple of years, and like bonds, they tend to pay coupon or interest payments, which is really cool. However, the government are choosing to phase those out over the next couple of years there.\n\nSo we're taking the advantage whilst we are reviewing your portfolio to remove those now before we have to, and then the additional will be distributed between the other investments there. And on the next page, you'll see we're also keeping the iShares core composite bond there. So we're buying a bit more into the core into buying into the core composite bond to give you some bond exposure to keep your defensive side of your allocation. Does that make sense?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yep.\n\nChannel 1: So, basically,\n\nChannel 0: Perfect.\n\nChannel 1: that's act that's acting as a good security user.\n\nChannel 0: Yeah. Yeah. Perfect. Yeah. Yep.\n\nIt's good to have some defensive assets in there, and core composite bonds are really good. It's giving you access to not only government banking bonds. It's giving you access to a good diversification there. Bonds do tend to get a lower rate of return. They are seen as lower risk, but they're good for income producing, like having dividends paid out of your shares.\n\nYou wanna have income that's coming into your portfolio. It goes into your cash account, gets reinvested into your portfolio, and it helps the, you know, compounding, buying back into those investments whenever you can and compounding over the longer term.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. All good. If you keep scrolling down there for me, you'll see this proposed asset allocation. So at the moment, within a high growth asset allocation, you generally see sort of 90% in growth assets and 10% in defensive assets. Sorry.\n\nIf I keep pausing on you, I do apologize. I've got the hiccups this afternoon. I'm so sorry.\n\nChannel 1: No. It's okay.\n\nChannel 0: Your existing portfolio shows you have about 93.19% in growth investments and then about six\n\nChannel 1: Yep.\n\nChannel 0: point 81% in defensive investments there. Okay? With the proposed changes that we've made above there, essentially, we would see your growth investments increasing slightly to 9494.85%, and then we're just decreasing your defensive investments a little bit to about 5.15% there. So it's increasing your growth investments a little bit, decreasing the defensive. It's keeping you still in line with what we need to have with regard to your asset allocation, and it's also making sure that you're not paying a lot in fees.\n\nIf\n\nChannel 1: Yep.\n\nChannel 0: you then move down to the next document, this is essentially showing the pay fee sorry, fee comparison table. Sorry about\n\nChannel 1: Yep.\n\nChannel 0: that. At the moment, within the hub twenty four and the plum, you've got your two balances at the very top there, and you are paying administration fees and investment hub twenty four, and your contributions are going in, and your insurance premiums are just being paid out at the plum super currently with your employer contributions with with the employer's contribution. You are in a growth portfolio between the two as per the previous asset allocation, but when we looked at the last three years and how that portfolio has averaged the return, Normally, it's and, look, it's different to what you can get. This is sort of looking at the asset allocation and what the portfolio has done, but we understand that what you're gonna get might be very different to what the portfolio has done. But between the two\n\nChannel 1: Yep.\n\nChannel 0: funds, it's averaged about 12.97% on a yearly basis over the last three years. With the way we are making the recommendations and altering the portfolio, it's still giving you the high growth allocation, and the portfolio has averaged about 16.6% over the last three years. So it has averaged a higher a higher return, which is great. And if you look at the very top there with your administration fees and investment fees, it's actually saving you a little bit there. So with regard to admin fees, once we've done the rollover, left the 30,000 there in plum, we can see that we can save you on the first year about $18 in administration fees.\n\nDoesn't seem like a lot. However, when you consider the compounding effect, it can be quite significant. And with the\n\nChannel 1: Yeah.\n\nChannel 0: newer portfolio, it also saves you roughly $971 in administration fees for the first year as well. So the newer portfolio is gonna be cheaper as well.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Do you have any questions so far?\n\nChannel 1: No. Not yet.\n\nChannel 0: Yeah. Perfect. The ongoing service fee is also in the account there on the hub 24 that stays applicable. Just so you are fully aware, it is 1.65% per annum. We do cap it at 909,000 on a yearly basis.\n\nSo once your balance gets 600,000 within the hub, we cap the fee. We don't charge 1.65% of, say, a million dollars. That will cap at some point, which we hope will be very soon for you. Your contributions, I still want to go into Plum Super to keep that going. And as I said, we will just sort of touch base every quarter with you, have a look at what's in the plum sleeper, and roll funds over when we need to to make sure you retain that $30,000 balance and with dollar cost averaging in the hub 24.\n\nOkay?\n\nChannel 1: Yeah. Sorry. That contribution per year,\n\nChannel 0: Yep. That's\n\nChannel 1: is that\n\nChannel 0: net.\n\nChannel 1: the\n\nChannel 0: Yep.\n\nChannel 1: sorry?\n\nChannel 0: That's net.\n\nChannel 1: So\n\nChannel 0: So\n\nChannel 1: that's\n\nChannel 0: after\n\nChannel 1: the\n\nChannel 0: taxes.\n\nChannel 1: that alright. That's\n\nChannel 0: Mhmm.\n\nChannel 1: the employer contribution, is it?\n\nChannel 0: Yes. Yep. Correct. Yep.\n\nChannel 1: So\n\nChannel 0: And that's\n\nChannel 1: the\n\nChannel 0: net. So it's after the 15% tax is taken out.\n\nChannel 1: alright. So if\n\nChannel 0: Yep.\n\nChannel 1: if I wanted to go up to my what is it called? The concessional cap.\n\nChannel 0: Mhmm.\n\nChannel 1: So what? I've got maybe somewhere around $88 that I could go extra in there, couldn't I?\n\nChannel 0: Yes. I would be very careful, though, because one thing you did make mention to me is that you do get like, this is basing it off the, your base income. I would just need to double check that you're like, to see if there's any additional contributions going in, and you are due to get, hopefully, a pay rise soon as well, so your pay could increase. What I'd probably\n\nChannel 1: Yeah.\n\nChannel 0: wanna have a look at is if you have any catch up contributions to any cap space over the last couple of years that we could maybe utilize to maximize that if you wanted to make additional contributions, and your myGov\n\nChannel 1: Yep.\n\nChannel 0: will give you an idea of what your cap space looks like. So before adding additional, I'd be very careful doing that. This is obviously giving you a conservative projection side of things by utilizing just the base, but I\n\nChannel 1: Yep.\n\nChannel 0: would be very careful adding additional contributions because when we sort of look at everything, you are quite close to the cap. So I would definitely be checking in myGov prior to making anything additional.\n\nChannel 1: Alright. Maybe we'll make that\n\nChannel 0: Yeah.\n\nChannel 1: another conversation. I know you guys\n\nChannel 0: Yeah.\n\nChannel 1: I work with at but they're all extremely conscious of what they've answered the year.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Because what what's it called? There's something I know there's a a rule or a law or something. If you go over over a certain amount, you get taxed\n\nChannel 0: Yep.\n\nChannel 1: like a maximum tax rate.\n\nChannel 0: Yeah. Correct. It's the con the concessional cap. So the concessional contribution cap for this year is 30,000 per financial year.\n\nChannel 1: Yep.\n\nChannel 0: But if your income's been sort of going up and you have cap space in the last five years, we could utilize your catch up contributions if you wanted to go into your myGov. I can even send you an email and direct you through how to find the catch up contributions. But if you\n\nChannel 1: Yep.\n\nChannel 0: wanted to grab those for me, I could have a look at them, and we could always have chat about making some additional contributions if that's what you wanted to do as well.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I'll have a I'll if you can send that email with the instructions\n\nChannel 0: Yeah.\n\nChannel 1: so I can at\n\nChannel 0: Yeah.\n\nChannel 1: least get the figures. And then from\n\nChannel 0: Yeah.\n\nChannel 1: there, you know, we can also look at whether I'd need to do that with our current, you know, trajectory.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So\n\nChannel 0: And I've actually got that for you. If you if you wanna scroll down\n\nChannel 1: because\n\nChannel 0: to the next page, you can see what that looks like.\n\nChannel 1: oh, yeah. Cool. Projected balance.\n\nChannel 0: Yeah. Sorry. This looks very different to the last sort of advice documents that you would have seen. We've kinda\n\nChannel 1: Yeah.\n\nChannel 0: broken everything up a little bit there, and this is why I wanted to have sort of a not sort of over have more of a conservative rate of return for you in this portfolio. Because looking at things like if you if the portfolio works the way it has over the next sort of five to ten years, you can sort of see where you where you're on trajectory to end up. In saying that, that high growth portfolio within this projection table, that is right up in over the next ten years. But anytime in the next ten years, you might ring me and go, hey. I'm not comfortable being in a high growth portfolio.\n\nI wanna maybe pull back a little bit and be a bit more conservative. So with that ten years somewhere, we may start reducing it back a little bit. So whilst,\n\nChannel 1: Yeah. I can\n\nChannel 0: you know, I don't\n\nChannel 1: I can guarantee that won't happen?\n\nChannel 0: you're you're happy? You feel a bit more risky?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Perfect. But, I mean, with your balance at where it is at the moment and with your contributions going in and how everything is looking for you at the moment, you are pretty well on track to hit a pretty decent figure. I would sort of be looking forward. In my eyes, I sort of focus on the next five years because you are still very young.\n\nThings can definitely change, and we do know in a high growth portfolio, we do expect a negative year to come about at least once in the next sort of six years depending on how markets go. So I sort of focus mostly on this next sort of five years hoping that's where we're sort of heading. That's where I'd like you to be in the next five years, and we'll talk about, you know, keep reviewing things to make sure you're on track to sort of hit that figure. If we can get you there to the next ten years and have over 2 mil, great. But I don't have a bank on that because I understand markets go up and down.\n\nThey have different reactions, and I don't expect you to end up getting 16.6% every single year. This is how this\n\nChannel 1: Yeah.\n\nChannel 0: portfolio has reacted every year when we do the research, but I'm honest and I'm open to let you know I don't expect you to get that return every single year. I do know some years you might get 25%. Other years, you might only get a 4% return. You'll have a negative return somewhere in there as well, and then maybe, like, a 10 or 15% return. The markets do go up and down, and the return varies every year, but we wanna take advantage of those ups and downs.\n\nAnd when we are seeing a bit of a dip, putting a bit of money in there and making sure we roll some money from Plum Super in the hub to take advantage of those downtime. So\n\nChannel 1: Yep.\n\nChannel 0: I\n\nChannel 1: Yep.\n\nChannel 0: like to be open and honest with you and let you know this is a projection. It's a beautiful projection, but I'm a realistic adviser as well. So\n\nChannel 1: Okay. So that what you\n\nChannel 0: Yep.\n\nChannel 1: just mentioned about rolling money over from, obviously, with the current military thing going on in Iran, now is one of those\n\nChannel 0: Mhmm.\n\nChannel 1: opportune times to to do that. Is that correct?\n\nChannel 0: Yep. Yeah. Absolutely. Absolutely. Having a bit of a look at where people are you know, where the analyst is sort of projecting things to go this year with what's happening at the moment, on Monday was probably the the biggest time to see the the expectation of a dip with the military action over the course of the weekend.\n\nBut when we came in on Monday, there was a slight dip first time in first thing in the market, and then we saw it sort of come back. It was a bit volatile throughout the day, but by the end of the day, it had kinda come back and and recovered nicely. So we do expect with what's happening in Iran and with the military actions that we are gonna see those ups and downs, but that's why we also have a bit of gold in your portfolio. Because when equities aren't gonna do so well, people tend to move money into gold. And gold, I believe, last year, at the end of last year, ended at, like, a thirty year high.\n\nSo it was a\n\nChannel 1: Yeah.\n\nChannel 0: it's\n\nChannel 1: It's\n\nChannel 0: pretty\n\nChannel 1: crazy at the\n\nChannel 0: massively\n\nChannel 1: moment.\n\nChannel 0: up there. Yeah. Even when we sort of look at what happened this year in February, gold took a massive dive in one day. It was down between 11 to 18%. But then the next, you know, day or two, it kinda came back and made a nice big recovery, and now it's higher than it was prior to that dip.\n\nSo gold is definitely a bit of a safe haven. It's def it's a growth asset, but it acts defensively because of the way we utilize it in portfolios. And\n\nChannel 1: Yep.\n\nChannel 0: I had a bit of a look at what the analysts are predicting there, and they don't see gold having a huge downturn this year. They're kind of expecting it to continue to steady up. So, you know, they're sort of projecting really good things for majority of the year, but I do think we're gonna see a bit of volatility in there. So that's why having a bit of gold in your portfolio, having those core composite bonds as a defensive investment as well as that worldwide exposure through those other investments is gonna provide a bit more of a benefit. But I do definitely see some, you know, ups and downs with the equities there, and that's why I wanted to make your rollovers a little bit more regularly, sort of once every three months.\n\nEven if\n\nChannel 1: Yep.\n\nChannel 0: we're only rolling over a couple of 100 or a couple of thousand dollars, it doesn't matter. It's about putting regular amounts in so we take advantage of those market cycles. Because I can't tell when the bottom of the dip is gonna happen or when the top of the dip is gonna happen. No one physically can. So it's about making sure we're just putting money in on a regular basis to take advantage of those cycles.\n\nOkay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yeah. Perfect. But that's a really cool projection table there. It is showing you where we're sort of tracking based on what we have with the research there. As I mentioned, I'm kinda focused on that five year side of things at the moment.\n\nLet's work on the next five years, and then we get to the five years and we work on the next five years as well. Because, I mean, ten years doesn't feel like a lot of time, but when you look back at what you've achieved over the last ten years, a lot can change in your life, and a lot will change over the next ten years probably as well. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. Hopefully, more pay rises for you.\n\nChannel 1: Yeah. Fingers crossed.\n\nChannel 0: Underneath that, it does show you kind of the annualized returns that the different portfolios have been able to receive as as per our research for you as well. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Excellent. The next page outlines the insurance recommendation. So if you sort of think back to the original projection table, we have sort of noticed in that the insurance premiums within Plum had gone up, and the recommendation for the total that's death and TBD to be about $1,669 deducted for the insurance premiums. And that kinda goes on to this next recommendation. So we sort of talked about how, when we did your annual review, how you have the death cover inside on Super, which is the employer paid policy there, which is great.\n\nIt gives you a good level of cover in the event that something was to happen. However, you didn't have any TBD cover. And I went back and I had a look, and there doesn't seem to be any TBD benefit there. So we discussed applying for and looking at TBD to provide you with a level of cover in the event that you are permanently disabled or not able to go to work. One of the things we talked about was looking at income replacement, making sure you're covering the cost of your mortgage, and we talked about tax side of things as well.\n\nSo how TPD, in the event of a claim, if you're under the eighty sixty, can be taxed up to 22%, and you wanted to make sure that the mortgage could be cleared free and clear, factoring in the tax component there, and then making sure your super could be paid out on top of that for income replacement. Does that kinda ring a bell? And does that still sound fairly accurate?\n\nChannel 1: Yeah. Yeah. It does.\n\nChannel 0: Yep. Perfect. So I did a little bit of research to find out who would provide a decent amount of TBD and what you actually needed. When we had a look and did the calculation, you needed a bit over 900,000 of TBD to cover your mortgage free and clear tax free. We actually get discounts for every sort of 250,000 of TBD.\n\nSo I've actually recommended that we apply for $1,000,000 of TBD with a sender, which used to be MLC. They've provided the cheapest rate. TBD inside Super just hasn't any occupation definition. So in order for you to claim, you just never be need to never be able to go back to work again for any occupation for which you are trained, educated, or have worked, and we just get two doctors, one to be a specialist to sign off on that. You'll probably see on the page here, I've also recommended life cover.\n\nThat is because when we looked at the research and we looked at TPD, stand alone by itself, the premiums came out between 4 to $8,000 on a yearly basis. When we added life to the policy, it activated a multi policy discount and actually reduced your premiums to about so we got $1,101 or 936 deducted out of your super fund because you get a 15% rebate on the policy. So adding the same amount of life to the TPD, gave you a cheaper premium, gives you more life on top of what you already have, and basically gives you that extra little bit of cover, and it's cheaper. Does that make sense?\n\nChannel 1: That's insane.\n\nChannel 0: Isn't it, though? In the in the appendix, you'll see we've actually screenshotted the different the stand alone options and how much they actually go up in price. Pretty insane, isn't it?\n\nChannel 1: That is. One quick question on it then.\n\nChannel 0: Sure.\n\nChannel 1: If, you know, let's say I did pass the you know, from whatever,\n\nChannel 0: Mhmm.\n\nChannel 1: Does this does this life insurance policy payout as well as\n\nChannel 0: Yep.\n\nChannel 1: the life insurance in my super?\n\nChannel 0: Yep. Absolutely does. Yep. So you'll get the\n\nChannel 1: Yep.\n\nChannel 0: extra benefit there. And I'll sort of let everyone know let your partner know that you do have us as your advisers and that you do have the life policy through. I sort of make it a point of saying, if they don't know about it, then it's hard to make a claim. So in the event that you were to pass away touch wood, nothing happens, however. But if in the event that you were to pass away, at least having your partner know that we're your advisers, that we look after your insurance policy and your super means that they can contact us and we can assist.\n\nWe do need to always one if you pass, talk to the executive of your state. So as long as that's your partner, it's not a problem at all. We will help with the claim, get all the paperwork sorted, and can also provide advice on how best to structure the money so that it provides a regular ongoing support and lasts as long as possible for them as well. Okay.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: I think I\n\nChannel 0: But\n\nChannel 1: think\n\nChannel 0: yeah.\n\nChannel 1: that's something quick. We may need\n\nChannel 0: Yeah.\n\nChannel 1: to\n\nChannel 0: Sorry.\n\nChannel 1: address at some point. I've we have a will, but it's through the Queensland state trustees. So I think we\n\nChannel 0: Yeah.\n\nChannel 1: need to address that\n\nChannel 0: Yep.\n\nChannel 1: very shortly.\n\nChannel 0: Yeah. Absolutely. Not a problem at all. So that is essentially the recommendation on the insurance side of things. So as per the very top, we expected this policy, the yearly premium, the first you deducted out of super to be $9.36.\n\nYou do get a 15% rebate on the policy. And so the insurer does receive that 1,101 and 10¢. However, you just pay a little bit less. You get a rebate for the tax consequences inside super. And when we add that to the policy that is being paid out of Plumb already, the first year's net premium is expected to be 1,669 as a total.\n\nSo that's how you get to that recommended figure at the very top there. Okay?\n\nChannel 1: Okay. So if if I go ahead with this who is it through? Sorry.\n\nChannel 0: It's a send out MLC.\n\nChannel 1: So if I go through with this policy with the sender,\n\nChannel 0: Mhmm.\n\nChannel 1: how and the fees come out of my super,\n\nChannel 0: Yep.\n\nChannel 1: do we have, like, a projection on how that's gonna affect my my performance in my super going ahead.\n\nChannel 0: Yep. So the projection that we just went through, that is including these insurance premiums being deducted.\n\nChannel 1: Oh, okay.\n\nChannel 0: Yep.\n\nChannel 1: Alright. Cool.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Alright. Well, I think that would probably make sense for us then, wouldn't\n\nChannel 0: Yeah.\n\nChannel 1: it?\n\nChannel 0: Yep. Yep. Definitely. Absolutely. This gives you extra level of cover there.\n\nAs we kinda went through before, all our recommendations are are made under best interest duty. So on each of these pages, under those recommendations, I have noted the best interest duty as to how and why I've made the recommendations for you. Feel free to have a read through all of that. If you find you have any questions, let me know. We also have the advantages, the disadvantages, and the risks involved so you can run your eyes over all of that, just making sure that you're aware that you're making the decision while being fully informed.\n\nWhen it comes to retaining the two platforms, it does remain really good for you. Obviously, Plum is your employer paid policy. You have the benefit of the death benefit there, and you do have a really good sum insured if anything was to happen. So retaining that is preferable. We have 24.\n\nThe portfolio within that has been performing greater, and the two funds when we sort of look at everything is lower cost in fees. So it is really good and does work in your best interest to retain everything. The alterations of portfolio stays you in fees, which is a benefit to you. And having a greater past performance can put you in a better position the longer the markets work the way they have in the in as in the past. With the insurances, having the TPD gives that level of cover structuring it so it's inside super is also a benefit.\n\nSo you're not having to pay those premiums out of your back pocket. However, it is important to know as you kinda went through, the premiums coming out of super do have a effect on your time and figure there. So it is really important that we do review those insurances. These insurances are stepped premiums, so they will get more and more expensive as you get older as the risk of you making a claim increases. So we will review\n\nChannel 1: Yep.\n\nChannel 0: them with you. And as you pay your mortgage down, as your super balance increases, we should be able to decrease the level of cover that you have. Does that all make sense?\n\nChannel 1: Yeah. It does.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Probably the only other the only other question I've got at the moment. Remember\n\nChannel 0: Yeah.\n\nChannel 1: how I said my employer, I think it might have been through MetLife,\n\nChannel 0: Mhmm.\n\nChannel 1: offers a 67% pay coverage should anything happen to me,\n\nChannel 0: Yep.\n\nChannel 1: and I'm, you know, unable to to perform my job. How\n\nChannel 0: Yep.\n\nChannel 1: does that sort of factor into all this? Because I think you at the time, you were trying to look into more detail around that.\n\nChannel 0: Yep. And I've got that for you here. If you go down to page 26 for me, I'll run you through that now as well.\n\nChannel 1: Okay. Was that where you were going next?\n\nChannel 0: That's where I'm going next. It's all good. Don't worry.\n\nChannel 1: Yeah. Cool. Alright. Sorry. I yeah.\n\nI just\n\nChannel 0: It's\n\nChannel 1: while\n\nChannel 0: no.\n\nChannel 1: while it's fresh in my head, I wanted to ask.\n\nChannel 0: Yeah. You are absolutely fine, Ben. Don't ever hesitate. Just, you know, let me know what it will I'm sort of working this towards what you need because I know we are running a bit low on time. So yeah.\n\nNo. Honestly, if bring up anything that you possibly have, I love it. It's fantastic.\n\nChannel 1: Yep.\n\nChannel 0: On page 26 there, I did I I was able to get the authority applied. So we do have an authority on that policy with MetLife now. The only downside is they make us email everything. So it takes sometimes about four to five weeks for them to reply back to us, but\n\nChannel 1: Yeah.\n\nChannel 0: I was able to get the information there. So we did ask them to provide a quote to increase the policy. They'll increase it up to 75% of the income, which is actually more than most income protection policies cover now. Essentially, they'll assess the income once you go through the application, and they may increase it more than what they've been able to tell us, but they're going on what the income was that has been disclosed to them. Essentially, at the moment with the employer paid MetLife policy, you're not paying anything additional for that.\n\nIt is paid by your employer. For them to increase it sorry. You'll see on that table here, you've got your current income protection policy. This is a yearly benefit, so they break it down into a monthly amount. You're currently covered for about a 122,150 and 9¢.\n\nWith the quote, they're able to increase up to a $154,009.66 and 53¢. They're also including 10% employer con SGC, so employer contributions in the super, which at the moment is not on the policy. So we've opted to take the quote that does allow that because it means if you're off working on an income protection claim, they'll be paying something into your super fund as employer contributions, which is really important to keep your super working harder whilst you're off work as well.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, this policy is owned by your employer, but you're the sum insured. They do say they are set premiums. You do have a ninety day waiting period, and it's an age 65 policy. So you can be on a claim up to the age of 65, which is really good. In order to increase this as per the quote, the only amount they expect that you'll pay is a $123.82 per month, and they noted that that is paid by way of salary packaging, so salary sacrifice.\n\nSo they'll deduct that out of your wages if that's the way you wanna go. I do have the quote in the appendix for you and attached to this doc attached to this email for you so you can have a look at it. It is a very basic quote that they're able to give to us, but increasing this increases it quite significantly. And, essentially, if your wage increases, you can continue to increase it along the lines of this. The only kind of downside\n\nChannel 1: Yep.\n\nChannel 0: is you will have to go through underwriting. So it is an application to fill out. If you wanna go ahead with the increase, we will help you as much as we absolutely can. We'll email them, let know you that you wanna go ahead with it, try and get the paperwork sent through, and help you to fill it out. Essentially, they will go through underwriting to assess any changes to your health.\n\nIf there is anything that they assess as higher risk, there could be loadings and or exclusions aligned to the policy. But from\n\nChannel 1: Yep.\n\nChannel 0: everything we can see, there's really nothing. You're pretty healthy, so there doesn't seem to be any red flags that I would see at the moment as being an issue. But, essentially, increasing that cover significantly and adding the SDC contributions on there in the event that you're not able to go to work and paying that $123.82 per month out of your income to increase that, doesn't seem like too bad, Nadia.\n\nChannel 1: Okay. So that that fee, is that monthly? Because they're slightly further up in the table. It says it's per annum.\n\nChannel 0: Yeah. No. Sorry. That is a typo. It is actually monthly on the quote.\n\nChannel 1: Yeah. Okay. Alright. So\n\nChannel 0: Yeah.\n\nChannel 1: have you sort of assessed that, you a hundred and twenty three months was somewhere around $1,500 a year?\n\nChannel 0: Mhmm.\n\nChannel 1: How that I'll put this. Like, the the payoff, is it is it worthwhile me doing this?\n\nChannel 0: Yeah. Absolutely. At the moment, we're only getting the six to 7% of your income, there's no employer contributions going into super if you're off work. The increase in this on a month like, paying the extra on a monthly basis to increase the amount of cover that you're able to get is definitely worth while and including the employer contributions in the super absolutely. Because if anything was to happen, if you were off work, sort of thinking about your circumstances, you know, school fees, everything that you go through, looking at the current income protection amount, it's pretty significantly lower to what you're actually earning.\n\nSo you might find it a little bit harder to live, might find expenses\n\nChannel 1: Yeah.\n\nChannel 0: are a little bit tighter. Increasing that as much as you absolutely can, whilst it doesn't increase to a 100%, there's always gonna be a bit of a shortfall. Minimizing that shortfall is gonna provide a greater benefit for your family. And if you're off work for, say, two years, five years, or even up up to sixty five, without those employer contribution sorry. Without those employer contributions, your super is only working on itself.\n\nSo having\n\nChannel 1: Yes.\n\nChannel 0: those employer contributions going into your super, even at, say, 10%, instead of the 12% you get now, it's still better than nothing. It's still helping to keep your super working harder, and it's still providing a benefit for the long term. Because with this income protection policy, even if you're off work to age 65, this stops at age 65. So then you've still gotta find a way to live to the next twenty or thirty or forty years of retirement so your super still needs to work for you through those years.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Cool. Yeah. That's basically running through the advantages of this product. The downside is that you are gonna have a little bit less than you pay on a regular basis. The employer paid policy can increase, so it doesn't tell me anywhere.\n\nIt they tell me it's a set premium. I don't know how much the premium increases by. I was very limited the information I was able to obtain. But every year when we do annual reviews with you, we'll keep reviewing the policy the same as the other insurance policies and keep making alterations as we can and as we need to. But yeah.\n\nLook. It's a good benefit. We were stoked that they were able to give us the information. It did take\n\nChannel 1: Yep.\n\nChannel 0: about five or six weeks to come through, unfortunately. But once we got the quote, I think I was jumping in the air. It's pretty exciting. I was like, this is great. They're actually telling us this information we need, which is really cool.\n\nSo what we'll do is if you decide to go through with it, we'll email them back and let them know you wanna go through. We'll find out what you need to do and try to help you as much as we possibly can with that increase process. Okay?\n\nChannel 1: Alright. I've\n\nChannel 0: Yep.\n\nChannel 1: I've got two more quick things with it then.\n\nChannel 0: Absolutely.\n\nChannel 1: Did we did we compare this at all to doing this outside of MetLife, increasing that\n\nChannel 0: Mhmm.\n\nChannel 1: coverage, or is that even\n\nChannel 0: Absolutely.\n\nChannel 1: a possibility?\n\nChannel 0: We did, but it is it's still better to do it within MetLife. So we had a look\n\nChannel 1: Yep.\n\nChannel 0: at other options there. It's way more expensive to get income protection through any other provider. Your the increased your MetLife was gonna be the cheapest option all around. And the fact that it's\n\nChannel 1: Yep.\n\nChannel 0: deducted out of your income instead of you having to make the premiums any other way is a lot cheaper. So\n\nChannel 1: Yep.\n\nChannel 0: it's a\n\nChannel 1: Alright.\n\nChannel 0: it's a pretty good product, and you've got a pretty good deal there for it.\n\nChannel 1: Alright. The only other question I or thing of note, in the middle of this year,\n\nChannel 0: Mhmm.\n\nChannel 1: my you know how this is this is covered under ExxonMobil. So\n\nChannel 0: Yep.\n\nChannel 1: I work I work for Esso Australia who\n\nChannel 0: Yep.\n\nChannel 1: is a subsidiary, I guess you call it, of ExxonMobil.\n\nChannel 0: Yep.\n\nChannel 1: The the facility that I work in and the gas fields and everything that are fed that feed to it are fifty fifty owned between ExxonMobil and Woodside Australia.\n\nChannel 0: Mhmm.\n\nChannel 1: It's just\n\nChannel 0: Yeah.\n\nChannel 1: ExxonMobil is the the operator of of\n\nChannel 0: Mhmm.\n\nChannel 1: those facilities.\n\nChannel 0: Yep.\n\nChannel 1: Around the middle of this year, that's gonna be changing and Woodside's gonna now become the operator. As far\n\nChannel 0: Okay.\n\nChannel 1: as I'm aware, we're still waiting on lots of information in regards to this change. But as far as I'm aware, I'll still be getting paid through Esso Australia and their, you know, their ABN.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: But they will they will now be under Woodside, I guess. So\n\nChannel 0: Yeah.\n\nChannel 1: I'm not sure how how that's gonna affect things like this, you know, the life insurance and\n\nChannel 0: The\n\nChannel 1: and\n\nChannel 0: policy. Yeah.\n\nChannel 1: yeah. So what I'll do, I'm I'm planning I'm going into night shift tonight. I'll read through, you know, as much of this documentation as as that you've sent\n\nChannel 0: If\n\nChannel 1: me\n\nChannel 0: you\n\nChannel 1: as\n\nChannel 0: can.\n\nChannel 1: I can, mainly mainly\n\nChannel 0: Yeah.\n\nChannel 1: this document.\n\nChannel 0: Yep.\n\nChannel 1: But it might be prudent for us to wait until the middle of the year before we make a call on on going ahead with this insurance.\n\nChannel 0: Yep. That's fine. Yep. That's not a problem at all. On the very last page, if there's anything that you wanna hold off on or any part of the advice that you choose you don't wanna proceed with, on the last page,\n\nChannel 1: Yeah.\n\nChannel 0: you have a little text box, so on the authority to proceed. In that talks text box, if there's any section that you wanna hold off or not proceed with if you just wanna hold off for a few months, just sort of write down you don't wish to proceed yet. You wanna hold off and maybe review at a certain point in time. But you just\n\nChannel 1: Yep.\n\nChannel 0: need to add that little statement just in on that authority to proceed with the sections that you wanna hold off on, or not proceed with just so we have that as a record because the the advice remains appropriate as it is. It's just letting us know that you don't wish to proceed or certain, wish to hold off on certain aspects there. So if you just write that on the last page there, that's absolutely fine. We'll take a note of that, and then we can proceed with the other sections for you. Okay?\n\nChannel 1: Yeah. Okay. Because just\n\nChannel 0: Yep.\n\nChannel 1: I figure we're in we're in March now. The\n\nChannel 0: Yeah.\n\nChannel 1: the changeover as far as we've been told is meant to happen, you know, sort of June.\n\nChannel 0: Yep.\n\nChannel 1: So if we were to make, like, even if I was to say yes and sign up to this policy, I would imagine it's probably gonna take four to six weeks for all the paperwork to get done and for it to come into\n\nChannel 0: Yeah.\n\nChannel 1: effect.\n\nChannel 0: Yeah.\n\nChannel 1: So it it I don't know. What what what do you think? Should we just wait?\n\nChannel 0: It's completely up to you. Doing it now means that if anything was to happen in the meantime, you do get that higher level of of cover to sort of back you. The risk of\n\nChannel 1: Yeah.\n\nChannel 0: not doing it now means that something could go wrong in saying that. There's obviously a small chance that something could go wrong. You could the next twelve months, next ten years, you could never claim on insurances. Nothing could go wrong. So it just comes down to your comfort level, what you're comfortable proceeding with at the time, and what risks you're willing to take.\n\nSo, I mean, you haven't had these insurances this high for a while, and you haven't had the claim yet. So\n\nChannel 1: Yep. Okay.\n\nChannel 0: just sorta have a think about your comfort level and what what you wanna do. Okay?\n\nChannel 1: Yep. Alright.\n\nChannel 0: And if you hold off and say, look. I wanna hold off until for a few months, we can just touch base in, you know, two, three months beginning in June. And if you say, hey. Look. Yeah.\n\nLet's do it. Or if you change your mind and you wanna go ahead, we'll just get you to put it in writing, and we can go ahead at any point in time. It's not a problem.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Perfect. The last thing I do have to let you know is you do have the estate planning side scoped in as well. I am making a recommendation that we make sure all of your beneficiaries are up to date. On the Plum Super, one of the statements we got said you did have a beneficiary nominated.\n\nThe next one said there wasn't one. So I'm not sure if there is or isn't on the Plum Super account, but we're gonna make sure all your beneficiary nominations on Plum Super Hub twenty four and with your life policy with the sender if you decide to go that way are all updated. Finding, non lapsing, nominating a 100% to your partner. That way, if anything was to happen, it is all paid out nice and easily to her so she can,\n\nChannel 1: Yep.\n\nChannel 0: you know, she can continue to look after your family. It just makes it all, you know, in line and dot so your i's crossed with your t's and make sure you have that level of protection aside. I've\n\nChannel 1: Yep.\n\nChannel 0: also, in here, added the estate planning side with the will and the and the power of attorney. So we aren't lawyers. We can't set up a will for you, but we can refer you to a solicitor. And if you like, I can send, sorry, just an information email to you, which gives you a bit of detail around the solicitor that we can refer you through to with a bit of a costing around what it that what they charge for a will, a bit of information around trust, and things like that just to maybe start the conversation off. Okay?\n\nChannel 1: Yep. Sure.\n\nChannel 0: Yeah. Perfect. Perfect. That is everything I needed to go through with you there, Ben. I know it is at 02:21 my time, so 03:21 your time.\n\nI know you do have to kinda head off now. The rest of the document just sorta outlines the ongoing service fees, and it's important to note that we do receive remuneration from insurance companies when insurances are written into place. It has no effect on our recommendations in any way, shape, or form. But in the document here on page number 39, it does outline that with a standard, if you do go through with the insurance policy, it's up to you. We do receive 66% of the first year's premium and 22%, they're ongoing.\n\nIt is legislated that we receive the exact same amount from all insurance companies, so it has not got anything to do with our recommendation. Everything I've recommended to you has to be in best interest, and that's why through this document, you see a best interest statement which outlines the reasoning and how the recommendations are in line your goals and in your best interest. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. That is basically everything in there. As you are going through, page number 41 outlines how we'll go through and and do the implementation there. And then on page number 42 at the very bottom, you should have a section there for a little text box, and you can just write in there what you do and or do not or wish to hold off on as part of the recommendations. Essentially, we make the recommendations to you outlining everything, and then it's up to you what you're comfortable to take on board.\n\nIf you do have any additional questions after reading through, let me know. I know sometimes there are additional questions that come through after the conversation, so feel free to email me with anything that you need. And if we have to have another conversation, I'm more than happy to make time to come back and chat to you. Okay?\n\nChannel 1: Okay. Beautiful. Thank you very much for that.\n\nChannel 0: That's okay, Ben. I hope you have a lovely afternoon. I know you're very time, Paul, but I appreciate you\n\nChannel 1: No\n\nChannel 0: taking\n\nChannel 1: worries, Dana.\n\nChannel 0: my\n\nChannel 1: Alright. I'll\n\nChannel 0: call.\n\nChannel 1: read through all that tonight and, yeah, actually get back to you in the next couple of days.\n\nChannel 0: Yes. Legend. Thank you so much. You have a good afternoon.\n\nChannel 1: You too. Alright. Bye.\n\nChannel 0: Thanks. See you later.\n\nChannel 1: Yep.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.76,"end":2.26,"sentiment":"neutral","sentiment_score":0.04241166636347771}],"sentiment":"neutral","sentiment_score":0.04241166636347771,"channel":1,"num_words":1,"start":1.76,"end":2.26},{"sentences":[{"text":"Hi, Ben.","start":2.8799999,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.1940639168024063},{"text":"It's Dana from Ophiuch Financial.","start":3.4399998,"end":4.96,"sentiment":"neutral","sentiment_score":0.2503277748823166},{"text":"How are you this afternoon?","start":4.96,"end":6.18,"sentiment":"positive","sentiment_score":0.3355855345726013}],"sentiment":"neutral","sentiment_score":0.2764745317399502,"channel":0,"num_words":12,"start":2.8799999,"end":6.18},{"sentences":[{"text":"Good day, Andrew.","start":6.72,"end":7.44,"sentiment":"positive","sentiment_score":0.5184725026289622},{"text":"And yourself?","start":7.44,"end":8.02,"sentiment":"positive","sentiment_score":0.3687589466571808}],"sentiment":"positive","sentiment_score":0.45858708024024963,"channel":1,"num_words":5,"start":6.72,"end":8.02},{"sentences":[{"text":"I'm very well.","start":8.32,"end":9.28,"sentiment":"positive","sentiment_score":0.7146026293436686},{"text":"Thank you.","start":9.28,"end":9.84,"sentiment":"positive","sentiment_score":0.7450259327888489},{"text":"I had you booked in to go through your updated device document.","start":9.84,"end":12.559999,"sentiment":"positive","sentiment_score":0.3358119490245978},{"text":"Is now still a good time there for you?","start":12.559999,"end":14.565,"sentiment":"neutral","sentiment_score":0.3062601470284992}],"sentiment":"positive","sentiment_score":0.40076709481386036,"channel":0,"num_words":26,"start":8.32,"end":14.565},{"sentences":[{"text":"Yeah.","start":14.885,"end":15.205,"sentiment":"neutral","sentiment_score":0.1414158046245575},{"text":"Yeah.","start":15.205,"end":15.445,"sentiment":"neutral","sentiment_score":0.17188753187656405},{"text":"That's fine.","start":15.445,"end":16.265,"sentiment":"neutral","sentiment_score":0.2842205613851547}],"sentiment":"neutral","sentiment_score":0.22043611481785774,"channel":1,"num_words":4,"start":14.885,"end":16.265},{"sentences":[{"text":"Yep.","start":16.404999,"end":16.724998,"sentiment":"positive","sentiment_score":0.3789169788360596},{"text":"Fantastic.","start":16.724998,"end":17.205,"sentiment":"positive","sentiment_score":0.6250077486038208},{"text":"Do you happen to have access to your emails there as well?","start":17.205,"end":19.785,"sentiment":"neutral","sentiment_score":0.20259716485937437}],"sentiment":"neutral","sentiment_score":0.2453636218394552,"channel":0,"num_words":14,"start":16.404999,"end":19.785},{"sentences":[{"text":"Yep.","start":21.045,"end":21.545,"sentiment":"neutral","sentiment_score":0.1031310185790062}],"sentiment":"neutral","sentiment_score":0.1031310185790062,"channel":1,"num_words":1,"start":21.045,"end":21.545},{"sentences":[{"text":"Yep.","start":21.685,"end":22.085,"sentiment":"neutral","sentiment_score":0.2133808732032776},{"text":"Beautiful.","start":22.085,"end":22.484999,"sentiment":"positive","sentiment_score":0.6505881547927856},{"text":"I'm just gonna send these emails through to you via email.","start":22.484999,"end":24.884998,"sentiment":"positive","sentiment_score":0.3527355031533675},{"text":"If you wanna pop in there and open that one up for me, then we can kinda go through it.","start":24.884998,"end":28.244999,"sentiment":"neutral","sentiment_score":0.3109026297926903},{"text":"That way you can see the document as I'm going through it to make it easier on yourself there.","start":28.244999,"end":32.309998,"sentiment":"positive","sentiment_score":0.3814369063628347}],"sentiment":"positive","sentiment_score":0.3501810265275148,"channel":0,"num_words":52,"start":21.685,"end":32.309998},{"sentences":[{"text":"Ben, before","start":32.77,"end":33.329998,"sentiment":"neutral","sentiment_score":0.06902549602091312}],"sentiment":"neutral","sentiment_score":0.06902549602091312,"channel":0,"num_words":2,"start":32.77,"end":33.329998},{"sentences":[{"text":"Yep.","start":33.15,"end":33.65,"sentiment":"neutral","sentiment_score":0.0943833440542221}],"sentiment":"neutral","sentiment_score":0.0943833440542221,"channel":1,"num_words":1,"start":33.15,"end":33.65},{"sentences":[{"text":"we jump into the call properly as well, just to let you know, we do record our calls for quality and training purposes moving forward.","start":33.329998,"end":38.29,"sentiment":"neutral","sentiment_score":0.11744169354438781},{"text":"Are you happy for me to proceed with that?","start":38.29,"end":40.23,"sentiment":"neutral","sentiment_score":0.20352485610379112}],"sentiment":"neutral","sentiment_score":0.14022841304540634,"channel":0,"num_words":34,"start":33.329998,"end":40.23},{"sentences":[{"text":"Yeah.","start":40.855,"end":41.015,"sentiment":"neutral","sentiment_score":0.13533838093280792},{"text":"That's fine.","start":41.015,"end":41.755,"sentiment":"neutral","sentiment_score":0.2661239504814148}],"sentiment":"neutral","sentiment_score":0.22252876063187918,"channel":1,"num_words":3,"start":40.855,"end":41.755},{"sentences":[{"text":"Lovely.","start":42.225,"end":42.465,"sentiment":"positive","sentiment_score":0.5071841478347778},{"text":"And I do need to do security day with you as well.","start":42.465,"end":44.704998,"sentiment":"neutral","sentiment_score":0.21443176517883936},{"text":"I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":44.704998,"end":48.805,"sentiment":"neutral","sentiment_score":0.12563339322805406}],"sentiment":"neutral","sentiment_score":0.16948585438005853,"channel":0,"num_words":33,"start":42.225,"end":48.805},{"sentences":[{"text":"Yep.","start":49.335,"end":49.815,"sentiment":"neutral","sentiment_score":0.04930729418992996},{"text":"Sure.","start":49.815,"end":50.135,"sentiment":"neutral","sentiment_score":0.04301324114203453},{"text":"So Benjamin Heath","start":50.135,"end":51.335,"sentiment":"neutral","sentiment_score":0.0318760946393013}],"sentiment":"neutral","sentiment_score":0.03758976384997368,"channel":1,"num_words":5,"start":49.335,"end":51.335},{"sentences":[{"text":"Yeah.","start":51.024998,"end":51.524998,"sentiment":"neutral","sentiment_score":0.03177161142230034}],"sentiment":"neutral","sentiment_score":0.03177161142230034,"channel":0,"num_words":1,"start":51.024998,"end":51.524998},{"sentences":[{"text":"Parker,","start":51.335,"end":51.835,"sentiment":"neutral","sentiment_score":0.02309643104672432}],"sentiment":"neutral","sentiment_score":0.02309643104672432,"channel":1,"num_words":1,"start":51.335,"end":51.835},{"sentences":[{"text":"Yep.","start":52.305,"end":52.805,"sentiment":"neutral","sentiment_score":0.03418385982513428}],"sentiment":"neutral","sentiment_score":0.03418385982513428,"channel":0,"num_words":1,"start":52.305,"end":52.805},{"sentences":[{"text":"the 10/12/1982,","start":52.52,"end":54.94,"sentiment":"neutral","sentiment_score":0.026646969839930534}],"sentiment":"neutral","sentiment_score":0.026646969839930534,"channel":1,"num_words":2,"start":52.52,"end":54.94},{"sentences":[{"text":"Yep.","start":55.12,"end":55.62,"sentiment":"neutral","sentiment_score":0.043843142688274384}],"sentiment":"neutral","sentiment_score":0.043843142688274384,"channel":0,"num_words":1,"start":55.12,"end":55.62},{"sentences":[{"text":"and Number 9 Cloud Street, Martha Street,","start":55.559998,"end":59.16,"sentiment":"neutral","sentiment_score":0.0536982672555106}],"sentiment":"neutral","sentiment_score":0.0536982672555106,"channel":1,"num_words":7,"start":55.559998,"end":59.16},{"sentences":[{"text":"Perfect.","start":58.8,"end":59.3,"sentiment":"neutral","sentiment_score":0.19228479266166687}],"sentiment":"neutral","sentiment_score":0.19228479266166687,"channel":0,"num_words":1,"start":58.8,"end":59.3},{"sentences":[{"text":"Victoria.","start":59.16,"end":59.66,"sentiment":"neutral","sentiment_score":0.06006260961294174}],"sentiment":"neutral","sentiment_score":0.06006260961294174,"channel":1,"num_words":1,"start":59.16,"end":59.66},{"sentences":[{"text":"Yep.","start":60.239998,"end":60.64,"sentiment":"neutral","sentiment_score":0.09345623850822447},{"text":"Perfect.","start":60.64,"end":61.12,"sentiment":"neutral","sentiment_score":0.31720876693725586},{"text":"Thank you so much for that.","start":61.12,"end":62.739998,"sentiment":"positive","sentiment_score":0.5182033826907476},{"text":"I've just sent those emails sorry.","start":63.039997,"end":64.96,"sentiment":"neutral","sentiment_score":0.10066087668140729},{"text":"The email through to you there.","start":64.96,"end":66.24,"sentiment":"neutral","sentiment_score":0.059132710099220276}],"sentiment":"neutral","sentiment_score":0.22393234111368657,"channel":0,"num_words":20,"start":60.239998,"end":66.24},{"sentences":[{"text":"Hopefully, it pops through fairly quickly.","start":66.24,"end":68.1,"sentiment":"neutral","sentiment_score":0.26099533090988797},{"text":"Your email, I've","start":68.595,"end":69.15501,"sentiment":"neutral","sentiment_score":0.03349914029240608}],"sentiment":"neutral","sentiment_score":0.18516326737072733,"channel":0,"num_words":9,"start":66.24,"end":69.15501},{"sentences":[{"text":"Yeah.","start":69.125,"end":69.625,"sentiment":"neutral","sentiment_score":0.024358196184039116}],"sentiment":"neutral","sentiment_score":0.024358196184039116,"channel":1,"num_words":1,"start":69.125,"end":69.625},{"sentences":[{"text":"gotparkasolutions@hotmail.com.","start":69.15501,"end":71.075005,"sentiment":"neutral","sentiment_score":0.03003736026585102},{"text":"There's been no changes there at all?","start":71.075005,"end":73.015,"sentiment":"neutral","sentiment_score":-0.04361442103981972}],"sentiment":"neutral","sentiment_score":-0.034407948376610875,"channel":0,"num_words":8,"start":69.15501,"end":73.015},{"sentences":[{"text":"No.","start":73.445,"end":73.685,"sentiment":"neutral","sentiment_score":-0.0935639664530754},{"text":"That's still the same","start":73.685,"end":74.565,"sentiment":"neutral","sentiment_score":-0.07437078654766083}],"sentiment":"neutral","sentiment_score":-0.07820942252874374,"channel":1,"num_words":5,"start":73.445,"end":74.565},{"sentences":[{"text":"No?","start":74.355,"end":74.855,"sentiment":"neutral","sentiment_score":-0.06707876920700073}],"sentiment":"neutral","sentiment_score":-0.06707876920700073,"channel":0,"num_words":1,"start":74.355,"end":74.855},{"sentences":[{"text":"one.","start":74.565,"end":75.065,"sentiment":"neutral","sentiment_score":-0.01033796463161707}],"sentiment":"neutral","sentiment_score":-0.01033796463161707,"channel":1,"num_words":1,"start":74.565,"end":75.065},{"sentences":[{"text":"Perfect.","start":75.395004,"end":75.895004,"sentiment":"neutral","sentiment_score":0.194461852312088},{"text":"Lovely.","start":76.195,"end":76.675,"sentiment":"neutral","sentiment_score":0.22691351175308228},{"text":"Thank you for that.","start":76.675,"end":77.895004,"sentiment":"positive","sentiment_score":0.33680322021245956}],"sentiment":"neutral","sentiment_score":0.2947647074858348,"channel":0,"num_words":6,"start":75.395004,"end":77.895004},{"sentences":[{"text":"Sorry.","start":78.725,"end":78.965,"sentiment":"neutral","sentiment_score":-0.06196688860654831},{"text":"I'm just parking my","start":78.965,"end":80.185,"sentiment":"neutral","sentiment_score":-0.09585870802402496}],"sentiment":"neutral","sentiment_score":-0.08908034414052964,"channel":1,"num_words":5,"start":78.725,"end":80.185},{"sentences":[{"text":"No.","start":80.53001,"end":80.770004,"sentiment":"neutral","sentiment_score":-0.12205378711223602},{"text":"That's okay.","start":80.770004,"end":81.41,"sentiment":"neutral","sentiment_score":-0.04314265586435795},{"text":"You're absolutely fine.","start":81.41,"end":82.79,"sentiment":"neutral","sentiment_score":0.1863968422015508}],"sentiment":"neutral","sentiment_score":0.058475237960616745,"channel":0,"num_words":6,"start":80.53001,"end":82.79},{"sentences":[{"text":"I've just opened up my emails.","start":85.1,"end":86.88,"sentiment":"neutral","sentiment_score":0.08185089193284512},{"text":"Just trying","start":87.1,"end":87.659996,"sentiment":"neutral","sentiment_score":0.06802798248827457}],"sentiment":"neutral","sentiment_score":0.07839516457170248,"channel":1,"num_words":8,"start":85.1,"end":87.659996},{"sentences":[{"text":"Perfect.","start":87.490005,"end":87.990005,"sentiment":"neutral","sentiment_score":0.1235610842704773}],"sentiment":"neutral","sentiment_score":0.1235610842704773,"channel":0,"num_words":1,"start":87.490005,"end":87.990005},{"sentences":[{"text":"to see.","start":87.659996,"end":88.32,"sentiment":"neutral","sentiment_score":0.09832204878330231}],"sentiment":"neutral","sentiment_score":0.09832204878330231,"channel":1,"num_words":2,"start":87.659996,"end":88.32},{"sentences":[{"text":"It should come through I think it says my name on there, so Dana Taylor, and it","start":88.61,"end":92.05,"sentiment":"neutral","sentiment_score":0.07219583376803819}],"sentiment":"neutral","sentiment_score":0.07219583376803819,"channel":0,"num_words":17,"start":88.61,"end":92.05},{"sentences":[{"text":"Oh,","start":92.020004,"end":92.520004,"sentiment":"neutral","sentiment_score":0.07905765622854233}],"sentiment":"neutral","sentiment_score":0.07905765622854233,"channel":1,"num_words":1,"start":92.020004,"end":92.520004},{"sentences":[{"text":"should come through from OdooSign.","start":92.05,"end":93.350006,"sentiment":"neutral","sentiment_score":0.09227217137813568}],"sentiment":"neutral","sentiment_score":0.09227217137813568,"channel":0,"num_words":5,"start":92.05,"end":93.350006},{"sentences":[{"text":"yeah.","start":96.22,"end":96.46,"sentiment":"neutral","sentiment_score":0.06216798722743988},{"text":"Here we go.","start":96.46,"end":97.275,"sentiment":"neutral","sentiment_score":0.06508432825406392}],"sentiment":"neutral","sentiment_score":0.06435524299740791,"channel":1,"num_words":4,"start":96.22,"end":97.275},{"sentences":[{"text":"Yep.","start":97.555,"end":97.955,"sentiment":"neutral","sentiment_score":0.09251247346401216},{"text":"Perfect.","start":97.955,"end":98.455,"sentiment":"neutral","sentiment_score":0.26882433891296387}],"sentiment":"neutral","sentiment_score":0.180668406188488,"channel":0,"num_words":2,"start":97.555,"end":98.455},{"sentences":[{"text":"Yep.","start":98.235,"end":98.555,"sentiment":"neutral","sentiment_score":0.06241054832935333},{"text":"Statement of device.","start":98.555,"end":99.865,"sentiment":"neutral","sentiment_score":0.03257779156168302}],"sentiment":"neutral","sentiment_score":0.0400359807536006,"channel":1,"num_words":4,"start":98.235,"end":99.865},{"sentences":[{"text":"That's the one.","start":100.19501,"end":100.915,"sentiment":"neutral","sentiment_score":0.009029330064853033},{"text":"So on the front there, the statement of advice has been prepared for yourself, Benjamin Parker, there as of today yesterday's date, sorry, the 03/04/2026.","start":100.915,"end":109.86,"sentiment":"neutral","sentiment_score":-0.015482093039900065},{"text":"It's insane.","start":109.94,"end":110.58,"sentiment":"negative","sentiment_score":-0.5473061501979828},{"text":"The year is flying by already.","start":110.58,"end":112.2,"sentiment":"negative","sentiment_score":-0.44970737397670746},{"text":"Will be at Christmas again in no time.","start":114.26,"end":116.28,"sentiment":"negative","sentiment_score":-0.340187456458807}],"sentiment":"neutral","sentiment_score":-0.1562345575393093,"channel":0,"num_words":44,"start":100.19501,"end":116.28},{"sentences":[{"text":"Yep.","start":117.27,"end":117.77,"sentiment":"neutral","sentiment_score":0.04461552947759628}],"sentiment":"neutral","sentiment_score":0.04461552947759628,"channel":1,"num_words":1,"start":117.27,"end":117.77},{"sentences":[{"text":"On the bottom there, it has been prepared by myself, Dana Taylor, and my authorized representative number is 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okay.","start":331.09998,"end":334.69998,"sentiment":"neutral","sentiment_score":0.12699595938126246},{"text":"We can look at that down the track.","start":334.69998,"end":336.47998,"sentiment":"positive","sentiment_score":0.3584085777401924},{"text":"And you were also focusing on paying down your mortgage as quickly as possible there.","start":336.78,"end":340.86,"sentiment":"neutral","sentiment_score":0.31145639419555665}],"sentiment":"neutral","sentiment_score":0.18601431291211734,"channel":0,"num_words":55,"start":326.375,"end":340.86},{"sentences":[{"text":"So, again, we've scoped out that area for now, but it's down the track.","start":340.86,"end":343.81998,"sentiment":"neutral","sentiment_score":0.16950863706214087},{"text":"If you track, if you want a cash on budgeting advice, we can absolutely help you as well.","start":343.81998,"end":348.265,"sentiment":"positive","sentiment_score":0.4081785985165172},{"text":"Okay?","start":348.265,"end":348.765,"sentiment":"neutral","sentiment_score":0.1937205046415329}],"sentiment":"neutral","sentiment_score":0.3004259453578429,"channel":0,"num_words":33,"start":340.86,"end":348.765},{"sentences":[{"text":"Yep.","start":349.685,"end":350.185,"sentiment":"neutral","sentiment_score":0.2107294797897339}],"sentiment":"neutral","sentiment_score":0.2107294797897339,"channel":1,"num_words":1,"start":349.685,"end":350.185},{"sentences":[{"text":"To make it easier on you, if I can get you, sorry, to scroll down for me, just to page number 12.","start":350.90503,"end":357.14502,"sentiment":"neutral","sentiment_score":0.15810589255257088},{"text":"This is essentially running through the the start of the recommendations, and I'll take you through from here.","start":357.14502,"end":362.58,"sentiment":"neutral","sentiment_score":0.1054373909201887}],"sentiment":"neutral","sentiment_score":0.13440506681799888,"channel":0,"num_words":40,"start":350.90503,"end":362.58},{"sentences":[{"text":"Okay.","start":364.12,"end":364.62,"sentiment":"neutral","sentiment_score":0.07082490622997284}],"sentiment":"neutral","sentiment_score":0.07082490622997284,"channel":1,"num_words":1,"start":364.12,"end":364.62},{"sentences":[{"text":"The heading there for you, Ben, should say strategy recommendations.","start":364.63998,"end":367.78,"sentiment":"neutral","sentiment_score":0.06947208568453789}],"sentiment":"neutral","sentiment_score":0.06947208568453789,"channel":0,"num_words":10,"start":364.63998,"end":367.78},{"sentences":[{"text":"Yep.","start":369.08,"end":369.495,"sentiment":"neutral","sentiment_score":0.1188276931643486},{"text":"That's alright.","start":369.655,"end":370.395,"sentiment":"neutral","sentiment_score":0.1706874743103981}],"sentiment":"neutral","sentiment_score":0.15340088059504828,"channel":1,"num_words":3,"start":369.08,"end":370.395},{"sentences":[{"text":"Yep.","start":370.16,"end":370.56,"sentiment":"neutral","sentiment_score":0.22853659093379977},{"text":"Perfect.","start":370.56,"end":371.06,"sentiment":"positive","sentiment_score":0.5183930993080139},{"text":"Perfect.","start":371.945,"end":372.445,"sentiment":"positive","sentiment_score":0.49838441610336304},{"text":"So I did go back and do some really good in-depth research around Pumpsilba for you to understand what the product is.","start":372.505,"end":377.86502,"sentiment":"neutral","sentiment_score":0.3024682781913064},{"text":"It is an employer policy and really understand in-depth about the insurance that you do hold in there.","start":377.86502,"end":383.14502,"sentiment":"neutral","sentiment_score":0.17001986958914334}],"sentiment":"neutral","sentiment_score":0.25488311346880227,"channel":0,"num_words":43,"start":370.16,"end":383.14502},{"sentences":[{"text":"Read the PDF from cover to cover as well for you.","start":383.14502,"end":385.98,"sentiment":"neutral","sentiment_score":0.12051034718751907},{"text":"We are making a recommendation again that we do remain to keep your plumb super.","start":386.7,"end":391.04,"sentiment":"neutral","sentiment_score":0.1834084212779999},{"text":"When I did speak to them, the insurance policies within plumb, they are employ or it's death death only, so life only.","start":391.26,"end":398.16,"sentiment":"neutral","sentiment_score":0.026377948847683994},{"text":"It doesn't have a TBD component attached to it.","start":398.535,"end":401.595,"sentiment":"neutral","sentiment_score":0.017434241043196783},{"text":"But, essentially, when I was able to do the research with them, it is an employer paid policy.","start":402.21503,"end":407.095,"sentiment":"neutral","sentiment_score":0.1309755142364237}],"sentiment":"neutral","sentiment_score":0.09562029918034871,"channel":0,"num_words":75,"start":383.14502,"end":407.095},{"sentences":[{"text":"So your employer is making contributions to cover the cost of the insurance premiums on your behalf, and the amount the employer pays for that PlumSafe account towards your well, I consider them concessional contributions.","start":407.095,"end":419.16998,"sentiment":"neutral","sentiment_score":0.17429251096078327},{"text":"So it does go towards your contributions cap there.","start":419.31,"end":421.88998,"sentiment":"neutral","sentiment_score":0.15553140723043019},{"text":"But, essentially,","start":422.18997,"end":422.90997,"sentiment":"neutral","sentiment_score":0.07027673907577991}],"sentiment":"neutral","sentiment_score":0.16609943536636623,"channel":0,"num_words":46,"start":407.095,"end":422.90997},{"sentences":[{"text":"Okay.","start":422.89,"end":423.39,"sentiment":"neutral","sentiment_score":0.13723057508468628}],"sentiment":"neutral","sentiment_score":0.13723057508468628,"channel":1,"num_words":1,"start":422.89,"end":423.39},{"sentences":[{"text":"your your employer does pay for the insurances.","start":422.90997,"end":425.715,"sentiment":"neutral","sentiment_score":0.15144015662372112},{"text":"And when I had a really good look at the fee structure, the plum fee structure wasn't too bad at all for that scenario.","start":425.715,"end":432.215,"sentiment":"neutral","sentiment_score":0.2558967579777042},{"text":"So I am recommending that we do retain that for the time being.","start":432.91498,"end":435.79498,"sentiment":"neutral","sentiment_score":0.2390285489650873},{"text":"Keep your contributions going into plum and hold the debt cover within that.","start":435.79498,"end":439.735,"sentiment":"neutral","sentiment_score":0.3111975834919856},{"text":"I'm also recommending that we do retain hub twenty four as well.","start":440.38998,"end":444.22998,"sentiment":"neutral","sentiment_score":0.18112069927155972}],"sentiment":"neutral","sentiment_score":0.2382775936807905,"channel":0,"num_words":70,"start":422.90997,"end":444.22998},{"sentences":[{"text":"However, I went back and had a really good look at the portfolio, and I am making a recommendation to alter some of the investments within the portfolio, and I'll show you that very shortly.","start":444.22998,"end":452.96997,"sentiment":"neutral","sentiment_score":0.2221667753798621},{"text":"Okay?","start":453.11,"end":453.61,"sentiment":"neutral","sentiment_score":0.16502505540847778},{"text":"I'm also recommending that we do still retain a balance in Plum Super of 30,000.","start":455.285,"end":460.665,"sentiment":"neutral","sentiment_score":0.22895779808362324},{"text":"I wanna make sure that our team are contacting you every quarter moving forward.","start":460.965,"end":464.965,"sentiment":"neutral","sentiment_score":0.28025858636413303},{"text":"We'll double check the balance within the Plum Super there, and anything over that 30,000 is gonna be rolled into hub twenty four.","start":464.965,"end":471.22998,"sentiment":"neutral","sentiment_score":0.20582567673662436}],"sentiment":"neutral","sentiment_score":0.22764590839770707,"channel":0,"num_words":88,"start":444.22998,"end":471.22998},{"sentences":[{"text":"I wanna do this on a quarterly basis for you because your balance is increasing on a much faster rate.","start":471.61,"end":476.97,"sentiment":"neutral","sentiment_score":0.30482602789998053},{"text":"Smaller changes in the market are gonna have a bigger effect in your balance, and we have seen some of ups and downs over the past year there.","start":476.97,"end":483.855,"sentiment":"neutral","sentiment_score":-0.08098161020981413},{"text":"So having","start":484.17502,"end":485.05502,"sentiment":"neutral","sentiment_score":0.0818219818174839}],"sentiment":"neutral","sentiment_score":0.07985358871519566,"channel":0,"num_words":50,"start":471.61,"end":485.05502},{"sentences":[{"text":"Yep.","start":484.745,"end":485.245,"sentiment":"neutral","sentiment_score":0.056841880083084106}],"sentiment":"neutral","sentiment_score":0.056841880083084106,"channel":1,"num_words":1,"start":484.745,"end":485.245},{"sentences":[{"text":"smaller amounts moved from Plum Super into Hub twenty four on a more regular basis means that you're sort of dollar cost averaging a little bit more.","start":485.05502,"end":492.255,"sentiment":"neutral","sentiment_score":0.19715323795874914},{"text":"So it helps to take advantage of downtimes in the market, and, obviously, it takes advantage of those uptimes","start":492.255,"end":497.875,"sentiment":"neutral","sentiment_score":0.2109046997992616}],"sentiment":"neutral","sentiment_score":0.20283318958852603,"channel":0,"num_words":46,"start":485.05502,"end":497.875},{"sentences":[{"text":"Yep.","start":497.79,"end":498.29,"sentiment":"neutral","sentiment_score":0.07800397276878357}],"sentiment":"neutral","sentiment_score":0.07800397276878357,"channel":1,"num_words":1,"start":497.79,"end":498.29},{"sentences":[{"text":"as well.","start":497.935,"end":498.495,"sentiment":"neutral","sentiment_score":0.11518651247024536},{"text":"So it's about making sure that we're moving smaller amounts in on a regular basis to take advantage of market reactions whilst keeping enough money in your plum super to retain your insurances and also make sure that we're covering in case that we saw a bit of a downturn.","start":498.495,"end":513.51,"sentiment":"neutral","sentiment_score":0.20903837211430074},{"text":"The other side of that is I'm also making a recommendation around the insurance side of things with TBD.","start":514.755,"end":520.135,"sentiment":"neutral","sentiment_score":0.10471097948519807},{"text":"So I wanna make sure that Plum Super has enough to cover all your insurance premiums.","start":520.27496,"end":524.935,"sentiment":"neutral","sentiment_score":0.19096426805481315},{"text":"Okay?","start":525.075,"end":525.575,"sentiment":"neutral","sentiment_score":0.2148369699716568}],"sentiment":"neutral","sentiment_score":0.18115983522412452,"channel":0,"num_words":88,"start":497.935,"end":525.575},{"sentences":[{"text":"Perfect.","start":527.41,"end":527.91,"sentiment":"positive","sentiment_score":0.5434212684631348},{"text":"With this one here, if I can get you just to scroll sorry.","start":529.73,"end":533.25,"sentiment":"neutral","sentiment_score":0.16134538329564607},{"text":"Scroll down a bit further for me.","start":533.25,"end":534.85,"sentiment":"neutral","sentiment_score":0.07155297004750796},{"text":"I'll show","start":534.85,"end":535.25,"sentiment":"neutral","sentiment_score":0.08652743324637413}],"sentiment":"neutral","sentiment_score":0.14412334383181905,"channel":0,"num_words":23,"start":527.41,"end":535.25},{"sentences":[{"text":"Okay.","start":535.13,"end":535.63,"sentiment":"neutral","sentiment_score":0.08333368599414825}],"sentiment":"neutral","sentiment_score":0.08333368599414825,"channel":1,"num_words":1,"start":535.13,"end":535.63},{"sentences":[{"text":"you the changes to the portfolio.","start":535.25,"end":537.27,"sentiment":"neutral","sentiment_score":0.09199904650449753},{"text":"So on page number 16 then, I went through and had a really good look at your portfolio, how it was working.","start":537.57,"end":543.13495,"sentiment":"neutral","sentiment_score":0.2753910598429767},{"text":"You are in a high growth portfolio.","start":543.13495,"end":544.735,"sentiment":"positive","sentiment_score":0.44231943999017986},{"text":"You are happy to stay in a high growth portfolio, which is absolutely fine.","start":544.735,"end":548.435,"sentiment":"positive","sentiment_score":0.5438827254942485},{"text":"And at the moment, in your super fund in Plum, you have a bit over 51,509.","start":548.815,"end":553.615,"sentiment":"neutral","sentiment_score":0.043658961774781346}],"sentiment":"neutral","sentiment_score":0.27722669570491865,"channel":0,"num_words":65,"start":535.25,"end":553.615},{"sentences":[{"text":"So it has been fine to stay at the moment while we've been going through and doing the research because the funds are currently invested.","start":553.615,"end":560.3338,"sentiment":"neutral","sentiment_score":0.2645616829395294},{"text":"But to make sure that","start":560.3338,"end":561.6825,"sentiment":"neutral","sentiment_score":0.08828389421105384}],"sentiment":"neutral","sentiment_score":0.2351820514847835,"channel":0,"num_words":30,"start":553.615,"end":561.6825},{"sentences":[{"text":"Yep.","start":561.45,"end":561.95,"sentiment":"neutral","sentiment_score":0.1066545769572258}],"sentiment":"neutral","sentiment_score":0.1066545769572258,"channel":1,"num_words":1,"start":561.45,"end":561.95},{"sentences":[{"text":"we do keep just that 30,000 in there for you for the time being, we are gonna move about 21,509 and 32 out of fund and put it into hub twenty four.","start":561.6825,"end":572.565,"sentiment":"neutral","sentiment_score":0.10053979919757694},{"text":"When we're inside hub twenty four there, I've made some changes.","start":573.025,"end":576.465,"sentiment":"neutral","sentiment_score":0.007488759403878992},{"text":"So been along the Australian Equities there, which is the second one down, when I had","start":576.465,"end":581.265,"sentiment":"neutral","sentiment_score":-0.04875484807416797}],"sentiment":"neutral","sentiment_score":0.042704616247092264,"channel":0,"num_words":59,"start":561.6825,"end":581.265},{"sentences":[{"text":"Yep.","start":581.215,"end":581.715,"sentiment":"neutral","sentiment_score":-0.06260035932064056}],"sentiment":"neutral","sentiment_score":-0.06260035932064056,"channel":1,"num_words":1,"start":581.215,"end":581.715},{"sentences":[{"text":"a really good look at the portfolio, that has been underperforming for the last couple of months there.","start":581.265,"end":585.72,"sentiment":"negative","sentiment_score":-0.4010424878862169},{"text":"So we are making a recommendation to remove that solely from your portfolio.","start":585.72,"end":589.5,"sentiment":"negative","sentiment_score":-0.4314757998173053}],"sentiment":"negative","sentiment_score":-0.4138048445024798,"channel":0,"num_words":31,"start":581.265,"end":589.5},{"sentences":[{"text":"Mhmm.","start":590.71,"end":591.21,"sentiment":"neutral","sentiment_score":-0.08066464215517044}],"sentiment":"neutral","sentiment_score":-0.08066464215517044,"channel":1,"num_words":1,"start":590.71,"end":591.21},{"sentences":[{"text":"From there, to keep your Australian equities component, we're actually gonna move the money into on the bottom of that same page, you'll see the beta shares Aussie 200, so a 200.","start":591.0,"end":600.77997,"sentiment":"neutral","sentiment_score":0.011210048833163455},{"text":"We're actually gonna","start":601.125,"end":601.765,"sentiment":"neutral","sentiment_score":0.055054238686958946}],"sentiment":"neutral","sentiment_score":0.014968122249203068,"channel":0,"num_words":35,"start":591.0,"end":601.765},{"sentences":[{"text":"Yep.","start":601.675,"end":602.175,"sentiment":"neutral","sentiment_score":0.04708465188741684}],"sentiment":"neutral","sentiment_score":0.04708465188741684,"channel":1,"num_words":1,"start":601.675,"end":602.175},{"sentences":[{"text":"buy into that, and that's gonna replace the Ben along Australian equities.","start":601.765,"end":605.865,"sentiment":"neutral","sentiment_score":0.013184153164426485},{"text":"Essentially, what's happened that we've noticed coming back this year is that Ben along one of the underlying investments within that managed fund.","start":606.16504,"end":614.34503,"sentiment":"neutral","sentiment_score":-0.07345322989251303},{"text":"Corporate Traveler, unfortunately, has been had a bit of an issue late last year.","start":614.405,"end":618.56,"sentiment":"negative","sentiment_score":-0.5811467064278466},{"text":"They were kind of being a bit dishonest to the market there.","start":618.56,"end":621.3,"sentiment":"negative","sentiment_score":-0.7156938463449478},{"text":"That had been reported to the market with their normal reporting obligations as a public company.","start":621.44,"end":625.94,"sentiment":"negative","sentiment_score":-0.45207914151251316}],"sentiment":"neutral","sentiment_score":-0.33102416571278076,"channel":0,"num_words":77,"start":601.765,"end":625.94},{"sentences":[{"text":"And then because Bennelong held them, unfortunately, it meant that Corporate Traveler had to be reevaluated.","start":626.16,"end":630.98,"sentiment":"negative","sentiment_score":-0.46843351051211357},{"text":"And then Bennelong, because they still hold them, had to be reevaluated as well.","start":631.685,"end":635.685,"sentiment":"negative","sentiment_score":-0.3442494879875864},{"text":"So it meant that Bennelong has now been underperforming.","start":635.685,"end":638.02496,"sentiment":"negative","sentiment_score":-0.5281478133466508},{"text":"We don't want you to have underperforming funds, so we're gonna remove that out of your portfolio and change the exposure.","start":638.565,"end":643.945,"sentiment":"negative","sentiment_score":-0.43983513542584013},{"text":"The","start":644.91,"end":645.15,"sentiment":"neutral","sentiment_score":-0.01135927438735962}],"sentiment":"negative","sentiment_score":-0.4314042039093424,"channel":0,"num_words":61,"start":626.16,"end":645.15},{"sentences":[{"text":"Yep.","start":645.1,"end":645.6,"sentiment":"neutral","sentiment_score":0.03574120253324509}],"sentiment":"neutral","sentiment_score":0.03574120253324509,"channel":1,"num_words":1,"start":645.1,"end":645.6},{"sentences":[{"text":"BetaShares Australia two hundred is still giving you exposure to, essentially, the top 200 companies in Australia.","start":645.15,"end":650.93,"sentiment":"neutral","sentiment_score":0.07629513017394964},{"text":"The difference here is that the BetaShares Aussie two hundred is more of a passively managed portfolio.","start":651.07,"end":655.65,"sentiment":"neutral","sentiment_score":-0.005889935309396071},{"text":"The idea of having Benelong was that it was more actively managed there, and Van Along as an investment manager, their role was to try and outperform against the market.","start":656.03,"end":664.635,"sentiment":"neutral","sentiment_score":0.10818037490049998},{"text":"They haven't done that.","start":664.695,"end":665.97504,"sentiment":"negative","sentiment_score":-0.34797848761081696}],"sentiment":"neutral","sentiment_score":0.044858611901016796,"channel":0,"num_words":68,"start":645.15,"end":665.97504},{"sentences":[{"text":"Yep.","start":665.675,"end":666.06,"sentiment":"neutral","sentiment_score":-0.039126913994550705}],"sentiment":"neutral","sentiment_score":-0.039126913994550705,"channel":1,"num_words":1,"start":665.675,"end":666.06},{"sentences":[{"text":"And when I sort of looked at what they were doing, they haven't been actively managing their portfolios at all.","start":665.97504,"end":670.61505,"sentiment":"neutral","sentiment_score":-0.24318494722247125},{"text":"They haven't been buying and selling or maneuvering anything there.","start":670.61505,"end":673.815,"sentiment":"negative","sentiment_score":-0.3467726856470108},{"text":"They kind of have been holding steady on what they believe is correct.","start":673.815,"end":677.73,"sentiment":"neutral","sentiment_score":-0.22402317821979523},{"text":"So because","start":678.43,"end":678.91,"sentiment":"neutral","sentiment_score":-0.27924714982509613}],"sentiment":"neutral","sentiment_score":-0.2622715870539347,"channel":0,"num_words":45,"start":665.97504,"end":678.91},{"sentences":[{"text":"Yep.","start":678.7,"end":679.2,"sentiment":"negative","sentiment_score":-0.3349933624267578}],"sentiment":"negative","sentiment_score":-0.3349933624267578,"channel":1,"num_words":1,"start":678.7,"end":679.2},{"sentences":[{"text":"it's underperforming, it's not doing you any favors.","start":678.91,"end":681.47,"sentiment":"negative","sentiment_score":-0.66745775192976},{"text":"It's time to remove that app.","start":681.47,"end":683.17,"sentiment":"negative","sentiment_score":-0.5603363613287607},{"text":"The beta shares Aussie 200 still giving you access to Australian shares.","start":683.38995,"end":688.015,"sentiment":"neutral","sentiment_score":0.15938408114016056},{"text":"It's still giving you access to the top 200 companies on the ASX.","start":688.015,"end":691.395,"sentiment":"neutral","sentiment_score":0.3213466795591208},{"text":"And one of the good things about this sort of investment is there's a certain criteria to be in the Aussie 200, the top 200 companies.","start":691.775,"end":699.215,"sentiment":"positive","sentiment_score":0.40808327610676104}],"sentiment":"neutral","sentiment_score":0.12305539697408677,"channel":0,"num_words":65,"start":678.91,"end":699.215},{"sentences":[{"text":"So when a company falls out of being in that top 200, that means within the beta shares Australia 200, that company is removed as well.","start":699.215,"end":706.57996,"sentiment":"neutral","sentiment_score":0.23533690033050683},{"text":"So you don't have to have that underlying active management to still get good returns.","start":706.57996,"end":711.07996,"sentiment":"positive","sentiment_score":0.41409383217493695},{"text":"It's just about making sure you still have the right asset allocation, but that we're not paying too much.","start":711.94,"end":717.365,"sentiment":"positive","sentiment_score":0.4112440159446315},{"text":"And the management fees, the beta shares Aussie 200 is actually cheaper than Bannalung.","start":717.365,"end":722.105,"sentiment":"positive","sentiment_score":0.5545415282249451},{"text":"So we've been able to maneuver the portfolio, remove underperforming investments, put you keep your exposure working the same way for you, and also make sure we kind of reduce the fees a little bit for you as well.","start":722.245,"end":734.88,"sentiment":"positive","sentiment_score":0.48754891141867024}],"sentiment":"positive","sentiment_score":0.4152370985366602,"channel":0,"num_words":113,"start":699.215,"end":734.88},{"sentences":[{"text":"Does that make sense?","start":734.88,"end":735.94,"sentiment":"neutral","sentiment_score":0.19855733960866928}],"sentiment":"neutral","sentiment_score":0.19855733960866928,"channel":0,"num_words":4,"start":734.88,"end":735.94},{"sentences":[{"text":"Yeah.","start":736.605,"end":736.845,"sentiment":"neutral","sentiment_score":0.13962948322296145},{"text":"It does.","start":736.845,"end":737.245,"sentiment":"neutral","sentiment_score":0.16472728550434113},{"text":"So is the BetaShares Australia 200, that's similar to Vanguard's.","start":737.245,"end":741.58496,"sentiment":"neutral","sentiment_score":0.09934829846024514}],"sentiment":"neutral","sentiment_score":0.11250515683339192,"channel":1,"num_words":13,"start":736.605,"end":741.58496},{"sentences":[{"text":"Yeah.","start":742.8,"end":743.3,"sentiment":"neutral","sentiment_score":0.05670132488012314}],"sentiment":"neutral","sentiment_score":0.05670132488012314,"channel":0,"num_words":1,"start":742.8,"end":743.3},{"sentences":[{"text":"Is it?","start":742.845,"end":743.58496,"sentiment":"neutral","sentiment_score":0.05370403453707695}],"sentiment":"neutral","sentiment_score":0.05370403453707695,"channel":1,"num_words":2,"start":742.845,"end":743.58496},{"sentences":[{"text":"Yeah.","start":743.78503,"end":744.025,"sentiment":"neutral","sentiment_score":0.05702114850282669}],"sentiment":"neutral","sentiment_score":0.05702114850282669,"channel":0,"num_words":1,"start":743.78503,"end":744.025},{"sentences":[{"text":"Alright.","start":743.96497,"end":744.46497,"sentiment":"neutral","sentiment_score":0.07245659828186035}],"sentiment":"neutral","sentiment_score":0.07245659828186035,"channel":1,"num_words":1,"start":743.96497,"end":744.46497},{"sentences":[{"text":"Yeah.","start":744.025,"end":744.34503,"sentiment":"neutral","sentiment_score":0.0920073539018631},{"text":"Very similar.","start":744.34503,"end":745.065,"sentiment":"neutral","sentiment_score":0.1364278942346573},{"text":"They track the top 200 companies on the ASX.","start":745.065,"end":747.72504,"sentiment":"neutral","sentiment_score":0.12826098915603426}],"sentiment":"neutral","sentiment_score":0.1266010037312905,"channel":0,"num_words":12,"start":744.025,"end":747.72504},{"sentences":[{"text":"Okay.","start":748.63,"end":749.13,"sentiment":"neutral","sentiment_score":0.048506174236536026},{"text":"What's the difference between the Australia 201 directly above it that's got the code q o zed?","start":749.35,"end":757.13,"sentiment":"neutral","sentiment_score":-0.000841818654033191},{"text":"Because they 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we're keeping that in there for you.","start":848.91504,"end":851.395,"sentiment":"positive","sentiment_score":0.46080274879932404},{"text":"We are rebalancing the portfolio, so you will see us just selling some of those investments down a little bit.","start":851.395,"end":856.59503,"sentiment":"neutral","sentiment_score":0.2724603325128555},{"text":"It's just by bringing you back into line so you're not overexposed or, you know, taking on too much risk in any way.","start":856.59503,"end":863.09,"sentiment":"neutral","sentiment_score":0.14849070022287575}],"sentiment":"neutral","sentiment_score":0.26171137710863895,"channel":0,"num_words":55,"start":848.91504,"end":863.09},{"sentences":[{"text":"Yeah.","start":863.96,"end":864.46,"sentiment":"neutral","sentiment_score":0.1699654757976532}],"sentiment":"neutral","sentiment_score":0.1699654757976532,"channel":1,"num_words":1,"start":863.96,"end":864.46},{"sentences":[{"text":"We also still keep the BetaShares 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work very similar to bonds where you're purchasing some investments within the top four banks.","start":888.095,"end":893.29,"sentiment":"neutral","sentiment_score":0.05651499459054321},{"text":"Bank hybrids have been quite good because they act like shares where you can trade them and they do get additional growth.","start":893.75,"end":899.67,"sentiment":"positive","sentiment_score":0.38513339920477435},{"text":"However, they are more of an income producing asset.","start":899.67,"end":902.57,"sentiment":"neutral","sentiment_score":0.2641280988852183},{"text":"They have been seen as lower risk over the last couple of years, and like bonds, they tend to pay coupon or interest payments, which is really cool.","start":902.675,"end":909.735,"sentiment":"neutral","sentiment_score":0.28756037301250864},{"text":"However, the government are choosing to phase those out over the next couple of years 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good.","start":983.75494,"end":984.57495,"sentiment":"positive","sentiment_score":0.4047703146934509},{"text":"If you keep scrolling down there for me, you'll see this proposed asset allocation.","start":985.75494,"end":989.995,"sentiment":"neutral","sentiment_score":0.12403365543910436},{"text":"So at the moment, within a high growth asset allocation, you generally see sort of 90% in growth assets and 10% in defensive assets.","start":989.995,"end":997.375,"sentiment":"neutral","sentiment_score":0.2162545546889305},{"text":"Sorry.","start":998.22,"end":998.45996,"sentiment":"neutral","sentiment_score":-0.08254796266555786}],"sentiment":"neutral","sentiment_score":0.19210172976766313,"channel":0,"num_words":42,"start":982.96,"end":998.45996},{"sentences":[{"text":"If I keep pausing on you, I do apologize.","start":998.45996,"end":1000.22,"sentiment":"neutral","sentiment_score":-0.14777167555358675},{"text":"I've got the hiccups this afternoon.","start":1000.22,"end":1002.0,"sentiment":"neutral","sentiment_score":-0.254247506459554},{"text":"I'm so sorry.","start":1002.06,"end":1002.88,"sentiment":"neutral","sentiment_score":-0.15815575420856476}],"sentiment":"neutral","sentiment_score":-0.18499429896473885,"channel":0,"num_words":18,"start":998.45996,"end":1002.88},{"sentences":[{"text":"No.","start":1002.805,"end":1002.965,"sentiment":"neutral","sentiment_score":-0.11381955444812776},{"text":"It's okay.","start":1002.965,"end":1003.68,"sentiment":"neutral","sentiment_score":-0.05971585214138031}],"sentiment":"neutral","sentiment_score":-0.07775041957696278,"channel":1,"num_words":3,"start":1002.805,"end":1003.68},{"sentences":[{"text":"Your existing portfolio shows you have about 93.19% in growth investments and then about 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concessional cap.","start":1316.225,"end":1318.145,"sentiment":"neutral","sentiment_score":0.11167056982715924},{"text":"So the concessional contribution cap for this year is 30,000 per financial year.","start":1318.145,"end":1323.685,"sentiment":"neutral","sentiment_score":0.1141649172283136}],"sentiment":"neutral","sentiment_score":0.1113750957662151,"channel":0,"num_words":21,"start":1315.585,"end":1323.685},{"sentences":[{"text":"Yep.","start":1324.3201,"end":1324.8201,"sentiment":"neutral","sentiment_score":0.14034807682037354}],"sentiment":"neutral","sentiment_score":0.14034807682037354,"channel":1,"num_words":1,"start":1324.3201,"end":1324.8201},{"sentences":[{"text":"But if your income's been sort of going up and you have cap space in the last five years, we could utilize your catch up contributions if you wanted to go into your myGov.","start":1324.465,"end":1332.99,"sentiment":"neutral","sentiment_score":0.20895202852347317},{"text":"I can even send you an email and direct 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wanna scroll down","start":1365.8401,"end":1367.52,"sentiment":"neutral","sentiment_score":0.21350730742727006}],"sentiment":"neutral","sentiment_score":0.25139601954392027,"channel":0,"num_words":14,"start":1364.24,"end":1367.52},{"sentences":[{"text":"because","start":1367.509,"end":1368.009,"sentiment":"neutral","sentiment_score":0.17003843188285828}],"sentiment":"neutral","sentiment_score":0.17003843188285828,"channel":1,"num_words":1,"start":1367.509,"end":1368.009},{"sentences":[{"text":"to the next page, you can see what that looks like.","start":1367.52,"end":1369.9401,"sentiment":"neutral","sentiment_score":0.18961341001770712}],"sentiment":"neutral","sentiment_score":0.18961341001770712,"channel":0,"num_words":11,"start":1367.52,"end":1369.9401},{"sentences":[{"text":"oh, 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kinda","start":1378.295,"end":1378.855,"sentiment":"neutral","sentiment_score":-0.006284678354859352}],"sentiment":"neutral","sentiment_score":-0.081195586360991,"channel":0,"num_words":20,"start":1373.335,"end":1378.855},{"sentences":[{"text":"Yeah.","start":1378.74,"end":1379.24,"sentiment":"neutral","sentiment_score":0.024058133363723755}],"sentiment":"neutral","sentiment_score":0.024058133363723755,"channel":1,"num_words":1,"start":1378.74,"end":1379.24},{"sentences":[{"text":"broken everything up a little bit there, and this is why I wanted to have sort of a not sort of over have more of a conservative rate of return for you in this portfolio.","start":1378.855,"end":1388.15,"sentiment":"neutral","sentiment_score":0.14965861248118537},{"text":"Because looking at things like if you if the portfolio works the way it has over the next sort of five to ten years, you can sort of see where you where you're on trajectory to end up.","start":1388.15,"end":1397.505,"sentiment":"neutral","sentiment_score":0.2277487985005504},{"text":"In saying that, that high growth portfolio within this projection table, that is right up in over the next ten years.","start":1397.825,"end":1405.765,"sentiment":"neutral","sentiment_score":0.16362524139029638},{"text":"But anytime in the next ten years, you might ring me and go, hey.","start":1405.825,"end":1408.625,"sentiment":"neutral","sentiment_score":-0.13358320508684432},{"text":"I'm not comfortable being in a high growth portfolio.","start":1408.625,"end":1410.865,"sentiment":"negative","sentiment_score":-0.5016951825883653}],"sentiment":"neutral","sentiment_score":0.0935317464491241,"channel":0,"num_words":117,"start":1378.855,"end":1410.865},{"sentences":[{"text":"I wanna maybe pull back a little bit and be a bit more conservative.","start":1410.865,"end":1413.75,"sentiment":"neutral","sentiment_score":-0.18235713882105692},{"text":"So with that ten years somewhere, we 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risky?","start":1424.29,"end":1425.67,"sentiment":"negative","sentiment_score":-0.3864966481924057}],"sentiment":"negative","sentiment_score":-0.3341468837526109,"channel":0,"num_words":9,"start":1423.49,"end":1425.67},{"sentences":[{"text":"Yeah.","start":1427.02,"end":1427.5,"sentiment":"neutral","sentiment_score":-0.05031774565577507},{"text":"Yeah.","start":1427.5,"end":1428.0,"sentiment":"neutral","sentiment_score":0.04767511039972305}],"sentiment":"neutral","sentiment_score":-0.0013213176280260086,"channel":1,"num_words":2,"start":1427.02,"end":1428.0},{"sentences":[{"text":"Yep.","start":1428.505,"end":1428.8251,"sentiment":"neutral","sentiment_score":0.18822890520095825},{"text":"Perfect.","start":1428.8251,"end":1429.2251,"sentiment":"positive","sentiment_score":0.4377042949199677},{"text":"But, I mean, with your balance at where it is at the moment and with your contributions going in and how everything is looking for you at the moment, you are pretty well on track to hit a pretty decent figure.","start":1429.2251,"end":1439.405,"sentiment":"positive","sentiment_score":0.4567972305344372},{"text":"I would sort of be looking forward.","start":1439.865,"end":1441.885,"sentiment":"neutral","sentiment_score":0.32018526111330303},{"text":"In my eyes, I sort of focus on the next five years because you are still very young.","start":1442.3099,"end":1446.3099,"sentiment":"neutral","sentiment_score":-0.029313291940424178}],"sentiment":"neutral","sentiment_score":0.30982760624850497,"channel":0,"num_words":68,"start":1428.505,"end":1446.3099},{"sentences":[{"text":"Things can definitely change, and we do know in a high growth portfolio, we do expect a negative year to come about at least once in the next sort of six years depending on how markets go.","start":1446.3099,"end":1456.455,"sentiment":"neutral","sentiment_score":-0.2911330834031105},{"text":"So I sort of focus mostly on this next sort of five years hoping that's where we're sort of 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to be open and honest with you and let you know this is a projection.","start":1517.765,"end":1520.885,"sentiment":"positive","sentiment_score":0.39136942848563194},{"text":"It's a beautiful projection, but I'm a realistic adviser as well.","start":1520.885,"end":1524.325,"sentiment":"positive","sentiment_score":0.509086860851808},{"text":"So","start":1524.325,"end":1524.825,"sentiment":"neutral","sentiment_score":0.12185559421777724}],"sentiment":"positive","sentiment_score":0.42799006854849203,"channel":0,"num_words":28,"start":1517.765,"end":1524.825},{"sentences":[{"text":"Okay.","start":1525.7849,"end":1526.2849,"sentiment":"neutral","sentiment_score":0.10770060122013092},{"text":"So that what 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correct?","start":1538.91,"end":1539.73,"sentiment":"neutral","sentiment_score":0.06229942664504051}],"sentiment":"neutral","sentiment_score":0.03124717053853803,"channel":1,"num_words":9,"start":1537.15,"end":1539.73},{"sentences":[{"text":"Yep.","start":1539.595,"end":1539.915,"sentiment":"neutral","sentiment_score":0.0604117214679718},{"text":"Yeah.","start":1539.915,"end":1540.3151,"sentiment":"neutral","sentiment_score":0.11280179768800735},{"text":"Absolutely.","start":1540.3151,"end":1540.8151,"sentiment":"neutral","sentiment_score":0.19597667455673215},{"text":"Absolutely.","start":1541.355,"end":1541.855,"sentiment":"neutral","sentiment_score":0.2156242877244949},{"text":"Having a bit of a look at where people are you know, where the analyst is sort of projecting things to go this year with what's happening at the moment, on Monday was probably the the biggest time to see the the expectation of a dip with the military action over the course of the weekend.","start":1542.475,"end":1557.71,"sentiment":"neutral","sentiment_score":0.054233379129852564}],"sentiment":"neutral","sentiment_score":0.06036472854514917,"channel":0,"num_words":60,"start":1539.595,"end":1557.71},{"sentences":[{"text":"But when we came in on Monday, there was a slight dip first time in first thing in the market, and then we saw it sort of come back.","start":1557.71,"end":1563.87,"sentiment":"neutral","sentiment_score":0.011568025268357375},{"text":"It was a bit volatile throughout the day, but by the end of the day, it had kinda come back and and recovered nicely.","start":1563.87,"end":1569.495,"sentiment":"neutral","sentiment_score":0.09933884721249342},{"text":"So we do expect with what's happening in Iran and with the military actions that we are gonna see those ups and downs, but that's why we also have a bit of gold in your portfolio.","start":1569.635,"end":1578.215,"sentiment":"neutral","sentiment_score":0.16066010317040813},{"text":"Because when equities aren't gonna do so well, people tend to move money into gold.","start":1578.355,"end":1582.62,"sentiment":"neutral","sentiment_score":0.14607367863257725},{"text":"And gold, I believe, last year, at the end of last year, ended at, like, a thirty year high.","start":1582.62,"end":1586.62,"sentiment":"neutral","sentiment_score":0.10446051233693172}],"sentiment":"neutral","sentiment_score":0.10308311946266066,"channel":0,"num_words":123,"start":1557.71,"end":1586.62},{"sentences":[{"text":"So it was a","start":1586.62,"end":1587.74,"sentiment":"neutral","sentiment_score":0.043700676411390305}],"sentiment":"neutral","sentiment_score":0.043700676411390305,"channel":0,"num_words":4,"start":1586.62,"end":1587.74},{"sentences":[{"text":"Yeah.","start":1587.8,"end":1588.04,"sentiment":"neutral","sentiment_score":0.04018082469701767}],"sentiment":"neutral","sentiment_score":0.04018082469701767,"channel":1,"num_words":1,"start":1587.8,"end":1588.04},{"sentences":[{"text":"it's","start":1587.8999,"end":1588.22,"sentiment":"neutral","sentiment_score":0.015810852870345116}],"sentiment":"neutral","sentiment_score":0.015810852870345116,"channel":0,"num_words":1,"start":1587.8999,"end":1588.22},{"sentences":[{"text":"It's","start":1588.04,"end":1588.28,"sentiment":"neutral","sentiment_score":-0.03565824031829834}],"sentiment":"neutral","sentiment_score":-0.03565824031829834,"channel":1,"num_words":1,"start":1588.04,"end":1588.28},{"sentences":[{"text":"pretty","start":1588.22,"end":1588.72,"sentiment":"neutral","sentiment_score":-0.0784861296415329}],"sentiment":"neutral","sentiment_score":-0.0784861296415329,"channel":0,"num_words":1,"start":1588.22,"end":1588.72},{"sentences":[{"text":"crazy at the","start":1588.28,"end":1588.92,"sentiment":"neutral","sentiment_score":-0.11478369683027267}],"sentiment":"neutral","sentiment_score":-0.11478369683027267,"channel":1,"num_words":3,"start":1588.28,"end":1588.92},{"sentences":[{"text":"massively","start":1588.86,"end":1589.36,"sentiment":"neutral","sentiment_score":-0.08444219827651978}],"sentiment":"neutral","sentiment_score":-0.08444219827651978,"channel":0,"num_words":1,"start":1588.86,"end":1589.36},{"sentences":[{"text":"moment.","start":1588.92,"end":1589.42,"sentiment":"neutral","sentiment_score":-0.1069360449910164}],"sentiment":"neutral","sentiment_score":-0.1069360449910164,"channel":1,"num_words":1,"start":1588.92,"end":1589.42},{"sentences":[{"text":"up there.","start":1589.5,"end":1590.0599,"sentiment":"neutral","sentiment_score":-0.020901015028357506},{"text":"Yeah.","start":1590.0599,"end":1590.5599,"sentiment":"neutral","sentiment_score":0.07062280178070068},{"text":"Even when we sort of look at what happened this year in February, gold took a massive dive in one day.","start":1591.0199,"end":1595.5,"sentiment":"neutral","sentiment_score":0.03272222904931931},{"text":"It was down between 11 to 18%.","start":1595.5,"end":1597.7051,"sentiment":"neutral","sentiment_score":-0.08262175853763308},{"text":"But then the next, you know, day or two, it kinda came back and made a nice big recovery, and now it's higher than it was prior to that dip.","start":1598.245,"end":1605.285,"sentiment":"neutral","sentiment_score":0.3145325680573781}],"sentiment":"neutral","sentiment_score":0.156944464159305,"channel":0,"num_words":61,"start":1589.5,"end":1605.285},{"sentences":[{"text":"So gold is definitely a bit of a safe haven.","start":1605.285,"end":1608.3451,"sentiment":"positive","sentiment_score":0.5472199261188507},{"text":"It's def it's a growth asset, but it acts defensively because of the way we utilize it in portfolios.","start":1608.405,"end":1614.3201,"sentiment":"positive","sentiment_score":0.3457123503873223},{"text":"And","start":1615.5801,"end":1615.74,"sentiment":"neutral","sentiment_score":0.091272234916687}],"sentiment":"positive","sentiment_score":0.40440020511547725,"channel":0,"num_words":30,"start":1605.285,"end":1615.74},{"sentences":[{"text":"Yep.","start":1615.6599,"end":1616.1599,"sentiment":"neutral","sentiment_score":0.10332127660512924}],"sentiment":"neutral","sentiment_score":0.10332127660512924,"channel":1,"num_words":1,"start":1615.6599,"end":1616.1599},{"sentences":[{"text":"I had a bit of a look at what the analysts are predicting there, and they don't see gold having a huge downturn this year.","start":1615.74,"end":1621.42,"sentiment":"neutral","sentiment_score":-0.09271728850901127},{"text":"They're kind of expecting it to continue to steady up.","start":1621.42,"end":1624.905,"sentiment":"neutral","sentiment_score":-0.06542080119252205},{"text":"So, you know, they're sort of projecting really good things for majority of the year, but I do think we're gonna see a bit of volatility in there.","start":1625.145,"end":1633.225,"sentiment":"neutral","sentiment_score":0.05043117342782872},{"text":"So that's why having a bit of gold in your portfolio, having those core composite bonds as a defensive investment as well as that worldwide exposure through those other investments is gonna provide a bit more of a benefit.","start":1633.225,"end":1644.4099,"sentiment":"positive","sentiment_score":0.33837337486254865},{"text":"But I do definitely see some, you know, ups and downs with the equities there, and that's why I wanted to make your rollovers a little bit more regularly, sort of once every three months.","start":1645.11,"end":1653.475,"sentiment":"neutral","sentiment_score":0.018040401807853153}],"sentiment":"neutral","sentiment_score":0.08954677601637197,"channel":0,"num_words":137,"start":1615.74,"end":1653.475},{"sentences":[{"text":"Even if","start":1653.9349,"end":1654.255,"sentiment":"neutral","sentiment_score":0.09177548065781593}],"sentiment":"neutral","sentiment_score":0.09177548065781593,"channel":0,"num_words":2,"start":1653.9349,"end":1654.255},{"sentences":[{"text":"Yep.","start":1654.255,"end":1654.755,"sentiment":"neutral","sentiment_score":0.059978168457746506}],"sentiment":"neutral","sentiment_score":0.059978168457746506,"channel":1,"num_words":1,"start":1654.255,"end":1654.755},{"sentences":[{"text":"we're only rolling over a couple of 100 or a couple of thousand dollars, it doesn't matter.","start":1654.255,"end":1658.355,"sentiment":"neutral","sentiment_score":0.08679111981216599},{"text":"It's about putting regular amounts in so we take advantage of those market cycles.","start":1658.415,"end":1663.55,"sentiment":"neutral","sentiment_score":0.18977336479084833},{"text":"Because I can't tell when the bottom of the dip is gonna happen or when the top of the dip is gonna happen.","start":1663.55,"end":1668.27,"sentiment":"neutral","sentiment_score":0.00006899512980295265},{"text":"No one physically can.","start":1668.27,"end":1669.8099,"sentiment":"neutral","sentiment_score":-0.08891213592141867},{"text":"So it's about making sure we're just putting money in on a regular basis to take advantage of those cycles.","start":1670.19,"end":1675.17,"sentiment":"neutral","sentiment_score":0.16347253173589707}],"sentiment":"neutral","sentiment_score":0.09035468106277478,"channel":0,"num_words":78,"start":1654.255,"end":1675.17},{"sentences":[{"text":"Okay?","start":1675.47,"end":1675.97,"sentiment":"neutral","sentiment_score":0.08765876293182373}],"sentiment":"neutral","sentiment_score":0.08765876293182373,"channel":0,"num_words":1,"start":1675.47,"end":1675.97},{"sentences":[{"text":"Okay.","start":1676.22,"end":1676.7,"sentiment":"neutral","sentiment_score":0.12243007123470306},{"text":"Yep.","start":1676.7,"end":1677.2,"sentiment":"neutral","sentiment_score":0.1634642481803894}],"sentiment":"neutral","sentiment_score":0.14294715970754623,"channel":1,"num_words":2,"start":1676.22,"end":1677.2},{"sentences":[{"text":"Yeah.","start":1677.105,"end":1677.605,"sentiment":"neutral","sentiment_score":0.26728007197380066},{"text":"Perfect.","start":1677.665,"end":1678.165,"sentiment":"positive","sentiment_score":0.5956134796142578},{"text":"But that's a really cool projection table there.","start":1678.865,"end":1680.7051,"sentiment":"positive","sentiment_score":0.576624559238553},{"text":"It is showing you where we're sort of tracking based on what we have with the research there.","start":1680.7051,"end":1684.805,"sentiment":"neutral","sentiment_score":0.1011711706717809},{"text":"As I mentioned, I'm kinda focused on that five year side of things at the moment.","start":1685.105,"end":1688.465,"sentiment":"neutral","sentiment_score":0.10636748862452805}],"sentiment":"neutral","sentiment_score":0.204519338990477,"channel":0,"num_words":44,"start":1677.105,"end":1688.465},{"sentences":[{"text":"Let's work on the next five years, and then we get to the five years and we work on the next five years as well.","start":1688.465,"end":1693.16,"sentiment":"neutral","sentiment_score":0.11064864933490753},{"text":"Because, I mean, ten years doesn't feel like a lot of time, but when you look back at what you've achieved over the last ten years, a lot can change in your life, and a lot will change over the next ten years probably as well.","start":1693.16,"end":1704.28,"sentiment":"neutral","sentiment_score":0.32469934686694457},{"text":"Okay?","start":1704.28,"end":1704.78,"sentiment":"neutral","sentiment_score":0.20532429218292236}],"sentiment":"neutral","sentiment_score":0.2487182011310425,"channel":0,"num_words":72,"start":1688.465,"end":1704.78},{"sentences":[{"text":"Yep.","start":1705.07,"end":1705.5499,"sentiment":"neutral","sentiment_score":0.27507102489471436},{"text":"Yep.","start":1705.5499,"end":1705.965,"sentiment":"positive","sentiment_score":0.37792372703552246}],"sentiment":"neutral","sentiment_score":0.3264973759651184,"channel":1,"num_words":2,"start":1705.07,"end":1705.965},{"sentences":[{"text":"Perfect.","start":1705.985,"end":1706.485,"sentiment":"positive","sentiment_score":0.75331711769104},{"text":"Hopefully, more pay rises for you.","start":1706.705,"end":1708.725,"sentiment":"positive","sentiment_score":0.5855497817198435}],"sentiment":"positive","sentiment_score":0.6095165440014431,"channel":0,"num_words":7,"start":1705.985,"end":1708.725},{"sentences":[{"text":"Yeah.","start":1709.4049,"end":1709.645,"sentiment":"positive","sentiment_score":0.3952072262763977},{"text":"Fingers crossed.","start":1709.645,"end":1710.625,"sentiment":"positive","sentiment_score":0.4446379244327545}],"sentiment":"positive","sentiment_score":0.42816102504730225,"channel":1,"num_words":3,"start":1709.4049,"end":1710.625},{"sentences":[{"text":"Underneath that, it does show you kind of the annualized returns that the different portfolios have been able to receive as as per our research for you as well.","start":1713.825,"end":1721.9601,"sentiment":"positive","sentiment_score":0.34735544334197865},{"text":"Okay?","start":1721.9601,"end":1722.4601,"sentiment":"neutral","sentiment_score":0.13076873123645782}],"sentiment":"positive","sentiment_score":0.34013588627179464,"channel":0,"num_words":30,"start":1713.825,"end":1722.4601},{"sentences":[{"text":"Okay.","start":1722.76,"end":1723.26,"sentiment":"neutral","sentiment_score":0.1877533793449402},{"text":"Yep.","start":1723.3201,"end":1723.8201,"sentiment":"positive","sentiment_score":0.33593088388442993}],"sentiment":"neutral","sentiment_score":0.26184213161468506,"channel":1,"num_words":2,"start":1722.76,"end":1723.8201},{"sentences":[{"text":"Excellent.","start":1723.88,"end":1724.38,"sentiment":"positive","sentiment_score":0.6743371486663818},{"text":"The next page outlines the insurance recommendation.","start":1724.92,"end":1727.5,"sentiment":"neutral","sentiment_score":0.2150744849017688},{"text":"So if you sort of think back to the original projection table, we have sort of noticed in that the insurance premiums within Plum had gone up, and the recommendation for the total that's death and TBD to be about $1,669 deducted for the insurance premiums.","start":1727.64,"end":1742.855,"sentiment":"neutral","sentiment_score":0.07170015362941701},{"text":"And that kinda goes on to this next recommendation.","start":1742.855,"end":1745.115,"sentiment":"neutral","sentiment_score":0.10334966662857267},{"text":"So we sort of talked about how, when we did your annual review, how you have the death cover inside on Super, which is the employer paid policy there, which is great.","start":1745.735,"end":1754.19,"sentiment":"neutral","sentiment_score":0.22232473082840443}],"sentiment":"neutral","sentiment_score":0.14234319995892675,"channel":0,"num_words":95,"start":1723.88,"end":1754.19},{"sentences":[{"text":"It gives you a good level of cover in the event that something was to happen.","start":1754.19,"end":1757.73,"sentiment":"positive","sentiment_score":0.3362426497042179},{"text":"However, you didn't have any TBD cover.","start":1757.79,"end":1760.43,"sentiment":"neutral","sentiment_score":-0.18476382323673793},{"text":"And I went back and I had a look, and there doesn't seem to be any TBD benefit there.","start":1760.43,"end":1764.85,"sentiment":"neutral","sentiment_score":-0.14855815666286568},{"text":"So we discussed applying for and looking at TBD to provide you with a level of cover in the event that you are permanently disabled or not able to go to work.","start":1765.065,"end":1773.245,"sentiment":"neutral","sentiment_score":0.024640548857860267},{"text":"One of the things we talked about was looking at income replacement, making sure you're covering the cost of your mortgage, and we talked about tax side of things as well.","start":1773.625,"end":1781.68,"sentiment":"neutral","sentiment_score":0.08572970727278341}],"sentiment":"neutral","sentiment_score":0.04485761090403512,"channel":0,"num_words":105,"start":1754.19,"end":1781.68},{"sentences":[{"text":"So how TPD, in the event of a claim, if you're under the eighty sixty, can be taxed up to 22%, and you wanted to make sure that the mortgage could be cleared free and clear, factoring in the tax component there, and then making sure your super could be paid out on top of that for income replacement.","start":1781.74,"end":1797.795,"sentiment":"neutral","sentiment_score":0.17520288087553898},{"text":"Does that kinda ring a bell?","start":1797.855,"end":1798.895,"sentiment":"neutral","sentiment_score":0.06975951666633289},{"text":"And does that still sound fairly accurate?","start":1798.895,"end":1800.915,"sentiment":"neutral","sentiment_score":0.05660954224211829}],"sentiment":"neutral","sentiment_score":0.15488602593541145,"channel":0,"num_words":72,"start":1781.74,"end":1800.915},{"sentences":[{"text":"Yeah.","start":1801.835,"end":1802.1549,"sentiment":"neutral","sentiment_score":0.10941486060619354},{"text":"Yeah.","start":1802.1549,"end":1802.3949,"sentiment":"neutral","sentiment_score":0.16043218970298767},{"text":"It does.","start":1802.3949,"end":1802.94,"sentiment":"neutral","sentiment_score":0.22961661964654922}],"sentiment":"neutral","sentiment_score":0.18227007240056992,"channel":1,"num_words":4,"start":1801.835,"end":1802.94},{"sentences":[{"text":"Yep.","start":1802.895,"end":1803.395,"sentiment":"positive","sentiment_score":0.3951248526573181},{"text":"Perfect.","start":1803.6951,"end":1804.1951,"sentiment":"positive","sentiment_score":0.6334917545318604},{"text":"So I did a little bit of research to find out who would provide a decent amount of TBD and what you actually needed.","start":1805.055,"end":1812.06,"sentiment":"neutral","sentiment_score":0.24225586652755737},{"text":"When we had a look and did the calculation, you needed a bit over 900,000 of TBD to cover your mortgage free and clear tax free.","start":1812.4401,"end":1820.265,"sentiment":"neutral","sentiment_score":0.21267418964551046},{"text":"We actually get discounts for every sort of 250,000 of TBD.","start":1820.645,"end":1824.905,"sentiment":"positive","sentiment_score":0.34616238149729645}],"sentiment":"neutral","sentiment_score":0.2568265481127633,"channel":0,"num_words":63,"start":1802.895,"end":1824.905},{"sentences":[{"text":"So I've actually recommended that we apply for $1,000,000 of TBD with a sender, which used to be MLC.","start":1825.285,"end":1831.3049,"sentiment":"positive","sentiment_score":0.34679814702586126},{"text":"They've provided the cheapest rate.","start":1832.58,"end":1834.68,"sentiment":"positive","sentiment_score":0.48161831498146057},{"text":"TBD inside Super just hasn't any occupation definition.","start":1834.82,"end":1838.6,"sentiment":"neutral","sentiment_score":0.23479292541742325},{"text":"So in order for you to claim, you just never be need to never be able to go back to work again for any occupation for which you are trained, educated, or have worked, and we just get two doctors, one to be a specialist to sign off on that.","start":1838.74,"end":1851.015,"sentiment":"neutral","sentiment_score":0.2575363916158676},{"text":"You'll probably see on the page here, I've also recommended life cover.","start":1851.395,"end":1855.335,"sentiment":"neutral","sentiment_score":0.23192300150791803}],"sentiment":"neutral","sentiment_score":0.28229250394283456,"channel":0,"num_words":94,"start":1825.285,"end":1855.335},{"sentences":[{"text":"That is because when we looked at the research and we looked at TPD, stand alone by itself, the premiums came out between 4 to $8,000 on a yearly basis.","start":1855.875,"end":1866.98,"sentiment":"neutral","sentiment_score":0.19651215374469758},{"text":"When we added life to the policy, it activated a multi policy discount and actually reduced your premiums to about so we got $1,101 or 936 deducted out of your super fund because you get a 15% rebate on the policy.","start":1867.36,"end":1883.8551,"sentiment":"neutral","sentiment_score":0.2954560063961076},{"text":"So adding the same amount of life to the TPD, gave you a cheaper premium, gives you more life on top of what you already have, and basically gives you that extra little bit of cover, and it's cheaper.","start":1884.7151,"end":1897.57,"sentiment":"positive","sentiment_score":0.4280852545530368},{"text":"Does that make sense?","start":1897.95,"end":1898.9299,"sentiment":"neutral","sentiment_score":0.1349897626787424}],"sentiment":"neutral","sentiment_score":0.3091609197619714,"channel":0,"num_words":114,"start":1855.875,"end":1898.9299},{"sentences":[{"text":"That's insane.","start":1898.5199,"end":1899.34,"sentiment":"neutral","sentiment_score":-0.30332203209400177}],"sentiment":"neutral","sentiment_score":-0.30332203209400177,"channel":1,"num_words":2,"start":1898.5199,"end":1899.34},{"sentences":[{"text":"Isn't it, though?","start":1899.95,"end":1900.85,"sentiment":"neutral","sentiment_score":-0.10035290320714314},{"text":"In the in the appendix, you'll see we've actually screenshotted the different the stand alone options and how much they actually go up in price.","start":1901.15,"end":1909.605,"sentiment":"neutral","sentiment_score":0.02889159170910716},{"text":"Pretty insane, isn't it?","start":1909.605,"end":1911.065,"sentiment":"neutral","sentiment_score":-0.17923811078071594}],"sentiment":"neutral","sentiment_score":-0.009241292500519194,"channel":0,"num_words":32,"start":1899.95,"end":1911.065},{"sentences":[{"text":"That is.","start":1911.325,"end":1912.225,"sentiment":"neutral","sentiment_score":-0.05557561479508877},{"text":"One quick question on it then.","start":1912.845,"end":1914.525,"sentiment":"neutral","sentiment_score":-0.00533286202698946}],"sentiment":"neutral","sentiment_score":-0.017893550219014287,"channel":1,"num_words":8,"start":1911.325,"end":1914.525},{"sentences":[{"text":"Sure.","start":1914.245,"end":1914.745,"sentiment":"neutral","sentiment_score":0.09557027369737624}],"sentiment":"neutral","sentiment_score":0.09557027369737624,"channel":0,"num_words":1,"start":1914.245,"end":1914.745},{"sentences":[{"text":"If, you know, let's say I did pass the you know, from whatever,","start":1914.525,"end":1919.1849,"sentiment":"neutral","sentiment_score":0.030344148811239462}],"sentiment":"neutral","sentiment_score":0.030344148811239462,"channel":1,"num_words":13,"start":1914.525,"end":1919.1849},{"sentences":[{"text":"Mhmm.","start":1919.9401,"end":1920.4401,"sentiment":"neutral","sentiment_score":0.025944393128156665}],"sentiment":"neutral","sentiment_score":0.025944393128156665,"channel":0,"num_words":1,"start":1919.9401,"end":1920.4401},{"sentences":[{"text":"Does this does this life insurance policy payout as well as","start":1920.58,"end":1925.1599,"sentiment":"neutral","sentiment_score":0.05516735498200764}],"sentiment":"neutral","sentiment_score":0.05516735498200764,"channel":1,"num_words":11,"start":1920.58,"end":1925.1599},{"sentences":[{"text":"Yep.","start":1925.06,"end":1925.56,"sentiment":"neutral","sentiment_score":0.08172476291656494}],"sentiment":"neutral","sentiment_score":0.08172476291656494,"channel":0,"num_words":1,"start":1925.06,"end":1925.56},{"sentences":[{"text":"the life insurance in my super?","start":1925.7799,"end":1928.5199,"sentiment":"neutral","sentiment_score":0.06774987528721492}],"sentiment":"neutral","sentiment_score":0.06774987528721492,"channel":1,"num_words":6,"start":1925.7799,"end":1928.5199},{"sentences":[{"text":"Yep.","start":1928.915,"end":1929.3151,"sentiment":"neutral","sentiment_score":0.2918570041656494},{"text":"Absolutely does.","start":1929.3151,"end":1930.355,"sentiment":"positive","sentiment_score":0.5881765186786652},{"text":"Yep.","start":1930.355,"end":1930.595,"sentiment":"positive","sentiment_score":0.4267887771129608},{"text":"So you'll get the","start":1930.595,"end":1931.3151,"sentiment":"positive","sentiment_score":0.5946376472711563}],"sentiment":"positive","sentiment_score":0.5341936759650707,"channel":0,"num_words":8,"start":1928.915,"end":1931.3151},{"sentences":[{"text":"Yep.","start":1931.22,"end":1931.72,"sentiment":"positive","sentiment_score":0.5570763945579529}],"sentiment":"positive","sentiment_score":0.5570763945579529,"channel":1,"num_words":1,"start":1931.22,"end":1931.72},{"sentences":[{"text":"extra benefit there.","start":1931.3151,"end":1932.1951,"sentiment":"positive","sentiment_score":0.5331042607625326},{"text":"And I'll sort of let everyone know let your partner know that you do have us as your advisers and that you do have the life policy through.","start":1932.1951,"end":1939.9551,"sentiment":"positive","sentiment_score":0.49830963888338636},{"text":"I sort of make it a point of saying, if they don't know about it, then it's hard to make a claim.","start":1939.9551,"end":1944.81,"sentiment":"neutral","sentiment_score":0.2273808108134703},{"text":"So in the event that you were to pass away touch wood, nothing happens, however.","start":1944.87,"end":1948.49,"sentiment":"neutral","sentiment_score":0.06043833469351133},{"text":"But if in the event that you were to pass away, at least having your partner know that we're your advisers, that we look after your insurance policy and your super means that they can contact us and we can assist.","start":1948.87,"end":1958.5349,"sentiment":"neutral","sentiment_score":0.24280282464332698}],"sentiment":"neutral","sentiment_score":0.2882188196302554,"channel":0,"num_words":109,"start":1931.3151,"end":1958.5349},{"sentences":[{"text":"We do need to always one if you pass, talk to the executive of your state.","start":1959.1549,"end":1962.995,"sentiment":"neutral","sentiment_score":0.14969229185953736},{"text":"So as long as that's your partner, it's not a problem at all.","start":1962.995,"end":1966.4349,"sentiment":"positive","sentiment_score":0.4510695682122157},{"text":"We will help with the claim, get all the paperwork sorted, and can also provide advice on how best to structure the money so that it provides a regular ongoing support and lasts as long as possible for them as 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gives you extra level of cover there.","start":2083.66,"end":2085.915,"sentiment":"positive","sentiment_score":0.3774946592748165}],"sentiment":"positive","sentiment_score":0.3439950334529082,"channel":0,"num_words":12,"start":2081.34,"end":2085.915},{"sentences":[{"text":"As we kinda went through before, all our recommendations are are made under best interest duty.","start":2086.235,"end":2090.795,"sentiment":"neutral","sentiment_score":0.2052368950098753},{"text":"So on each of these pages, under those recommendations, I have noted the best interest duty as to how and why I've made the recommendations for you.","start":2090.795,"end":2097.99,"sentiment":"neutral","sentiment_score":0.1544303728474511},{"text":"Feel free to have a read through all of that.","start":2098.23,"end":2099.91,"sentiment":"neutral","sentiment_score":0.23624335676431657},{"text":"If you find you have any questions, let me know.","start":2099.91,"end":2102.17,"sentiment":"neutral","sentiment_score":0.14892111718654633},{"text":"We also have the advantages, the disadvantages, and the risks involved so you can run your eyes over all of that, just making sure that you're aware that you're making the decision while being fully informed.","start":2102.55,"end":2112.57,"sentiment":"neutral","sentiment_score":0.06582677571309938}],"sentiment":"neutral","sentiment_score":0.13812948537595343,"channel":0,"num_words":99,"start":2086.235,"end":2112.57},{"sentences":[{"text":"When it comes to retaining the two platforms, it does remain really good for you.","start":2113.275,"end":2117.275,"sentiment":"positive","sentiment_score":0.4618085384368896},{"text":"Obviously, Plum is your employer paid policy.","start":2117.275,"end":2119.595,"sentiment":"positive","sentiment_score":0.3357743407998766},{"text":"You have the benefit of the death benefit there, and you do have a really good sum insured if anything was to 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you.","start":2139.8699,"end":2143.665,"sentiment":"neutral","sentiment_score":0.2703596642240882},{"text":"And having a greater past performance can put you in a better position the longer the markets work the way they have in the in as in the past.","start":2143.665,"end":2150.485,"sentiment":"positive","sentiment_score":0.4756609211707937},{"text":"With the insurances, having the TPD gives that level of cover structuring it so it's inside super is also a benefit.","start":2151.185,"end":2158.0198,"sentiment":"positive","sentiment_score":0.4472823412645431}],"sentiment":"positive","sentiment_score":0.45636553138277486,"channel":0,"num_words":103,"start":2129.0698,"end":2158.0198},{"sentences":[{"text":"So you're not having to pay those premiums out of your back pocket.","start":2158.0798,"end":2160.8198,"sentiment":"neutral","sentiment_score":0.2977547530944531},{"text":"However, it is important to know as you kinda went through, the premiums coming out of super do have a effect on 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that.","start":2215.035,"end":2218.895,"sentiment":"neutral","sentiment_score":-0.0693503716850982}],"sentiment":"neutral","sentiment_score":-0.06295675545930862,"channel":1,"num_words":25,"start":2212.96,"end":2218.895},{"sentences":[{"text":"Yep.","start":2218.8801,"end":2219.36,"sentiment":"neutral","sentiment_score":0.052685998380184174},{"text":"And I've got that for you here.","start":2219.36,"end":2220.8,"sentiment":"neutral","sentiment_score":0.07346934931618827},{"text":"If you go down to page 26 for me, I'll run you through that now as well.","start":2220.8,"end":2224.9001,"sentiment":"neutral","sentiment_score":0.053906974547049576}],"sentiment":"neutral","sentiment_score":0.0593356004357338,"channel":0,"num_words":25,"start":2218.8801,"end":2224.9001},{"sentences":[{"text":"Okay.","start":2225.515,"end":2225.835,"sentiment":"neutral","sentiment_score":0.043747033923864365},{"text":"Was that where you were going next?","start":2225.835,"end":2227.29,"sentiment":"neutral","sentiment_score":0.031561643949576786}],"sentiment":"neutral","sentiment_score":0.033084817696362734,"channel":1,"num_words":8,"start":2225.515,"end":2227.29},{"sentences":[{"text":"That's where I'm going next.","start":2227.635,"end":2228.8352,"sentiment":"neutral","sentiment_score":0.0908407747745514},{"text":"It's all good.","start":2228.8352,"end":2229.475,"sentiment":"positive","sentiment_score":0.33352182308832806},{"text":"Don't worry.","start":2229.475,"end":2230.135,"sentiment":"neutral","sentiment_score":0.14037708193063736}],"sentiment":"neutral","sentiment_score":0.17355235069990158,"channel":0,"num_words":10,"start":2227.635,"end":2230.135},{"sentences":[{"text":"Yeah.","start":2230.49,"end":2230.81,"sentiment":"neutral","sentiment_score":0.14203304052352905},{"text":"Cool.","start":2230.81,"end":2231.21,"sentiment":"neutral","sentiment_score":0.1306670904159546},{"text":"Alright.","start":2231.21,"end":2231.53,"sentiment":"neutral","sentiment_score":0.06677685678005219},{"text":"Sorry.","start":2231.53,"end":2231.73,"sentiment":"neutral","sentiment_score":0.013321500271558762},{"text":"I yeah.","start":2231.73,"end":2232.33,"sentiment":"neutral","sentiment_score":-0.0035373279824852943}],"sentiment":"neutral","sentiment_score":0.057620638671020664,"channel":1,"num_words":6,"start":2230.49,"end":2232.33},{"sentences":[{"text":"I just","start":2232.33,"end":2232.6501,"sentiment":"neutral","sentiment_score":-0.017939471639692783}],"sentiment":"neutral","sentiment_score":-0.017939471639692783,"channel":1,"num_words":2,"start":2232.33,"end":2232.6501},{"sentences":[{"text":"It's","start":2232.5151,"end":2232.7551,"sentiment":"neutral","sentiment_score":-0.013868245296180248}],"sentiment":"neutral","sentiment_score":-0.013868245296180248,"channel":0,"num_words":1,"start":2232.5151,"end":2232.7551},{"sentences":[{"text":"while","start":2232.81,"end":2232.8901,"sentiment":"neutral","sentiment_score":-0.015866557136178017}],"sentiment":"neutral","sentiment_score":-0.015866557136178017,"channel":1,"num_words":1,"start":2232.81,"end":2232.8901},{"sentences":[{"text":"no.","start":2232.8352,"end":2233.3352,"sentiment":"neutral","sentiment_score":-0.024614032357931137}],"sentiment":"neutral","sentiment_score":-0.024614032357931137,"channel":0,"num_words":1,"start":2232.8352,"end":2233.3352},{"sentences":[{"text":"while it's fresh in my head, I wanted to ask.","start":2232.8901,"end":2234.99,"sentiment":"neutral","sentiment_score":-0.011199682764708997}],"sentiment":"neutral","sentiment_score":-0.011199682764708997,"channel":1,"num_words":10,"start":2232.8901,"end":2234.99},{"sentences":[{"text":"Yeah.","start":2234.675,"end":2235.175,"sentiment":"neutral","sentiment_score":0.13944418728351593},{"text":"You are absolutely fine, Ben.","start":2235.395,"end":2236.995,"sentiment":"neutral","sentiment_score":0.2956962287425995},{"text":"Don't ever hesitate.","start":2236.995,"end":2237.975,"sentiment":"neutral","sentiment_score":0.1915292094151179},{"text":"Just, you know, let me know what it will I'm sort of working this towards what you need because I know we are running a bit low on time.","start":2238.3552,"end":2244.87,"sentiment":"neutral","sentiment_score":0.09663595824406065},{"text":"So yeah.","start":2244.87,"end":2246.6301,"sentiment":"neutral","sentiment_score":0.08550184965133667}],"sentiment":"neutral","sentiment_score":0.12914898619055748,"channel":0,"num_words":40,"start":2234.675,"end":2246.6301},{"sentences":[{"text":"No.","start":2246.6301,"end":2246.87,"sentiment":"neutral","sentiment_score":0.17024630308151245},{"text":"Honestly, if bring up anything that you possibly have, I love it.","start":2246.87,"end":2249.83,"sentiment":"positive","sentiment_score":0.40427789092063904},{"text":"It's fantastic.","start":2249.83,"end":2250.57,"sentiment":"positive","sentiment_score":0.7255103588104248}],"sentiment":"positive","sentiment_score":0.4315067807833354,"channel":0,"num_words":15,"start":2246.6301,"end":2250.57},{"sentences":[{"text":"Yep.","start":2251.865,"end":2252.365,"sentiment":"neutral","sentiment_score":0.06283581256866455}],"sentiment":"neutral","sentiment_score":0.06283581256866455,"channel":1,"num_words":1,"start":2251.865,"end":2252.365},{"sentences":[{"text":"On page 26 there, I did I I was able to get the authority applied.","start":2252.155,"end":2256.0752,"sentiment":"neutral","sentiment_score":0.1077795322984457},{"text":"So we do have an authority on that policy with MetLife now.","start":2256.0752,"end":2259.695,"sentiment":"neutral","sentiment_score":0.2927262559533119},{"text":"The only downside is they make us email everything.","start":2259.995,"end":2262.8152,"sentiment":"neutral","sentiment_score":-0.27200725426276523},{"text":"So it takes sometimes about four to five weeks for them to reply back to us, but","start":2263.1152,"end":2267.6152,"sentiment":"neutral","sentiment_score":-0.18081985611249418}],"sentiment":"neutral","sentiment_score":-0.007407448799261508,"channel":0,"num_words":53,"start":2252.155,"end":2267.6152},{"sentences":[{"text":"Yeah.","start":2268.0398,"end":2268.405,"sentiment":"neutral","sentiment_score":0.07639188319444656}],"sentiment":"neutral","sentiment_score":0.07639188319444656,"channel":1,"num_words":1,"start":2268.0398,"end":2268.405},{"sentences":[{"text":"I was able to get the information there.","start":2268.05,"end":2270.05,"sentiment":"neutral","sentiment_score":0.2813111189752817},{"text":"So we did ask them to provide a quote to increase the policy.","start":2270.05,"end":2273.27,"sentiment":"neutral","sentiment_score":0.29983764772231764},{"text":"They'll increase it up to 75% of the income, which is actually more than most income protection policies cover now.","start":2273.81,"end":2280.31,"sentiment":"neutral","sentiment_score":0.3128507025539875},{"text":"Essentially, they'll assess the income once you go through the application, and they may increase it more than what they've been able to tell us, but they're going on what the income was that has been disclosed to them.","start":2281.355,"end":2292.095,"sentiment":"neutral","sentiment_score":0.1660119205331191},{"text":"Essentially, at the moment with the employer paid MetLife policy, you're not paying anything additional for that.","start":2292.8901,"end":2298.25,"sentiment":"neutral","sentiment_score":-0.05106561307740562}],"sentiment":"neutral","sentiment_score":0.18568806084276168,"channel":0,"num_words":97,"start":2268.05,"end":2298.25},{"sentences":[{"text":"It is paid by your employer.","start":2298.25,"end":2299.71,"sentiment":"neutral","sentiment_score":-0.024849839508533478},{"text":"For them to increase it sorry.","start":2299.77,"end":2301.71,"sentiment":"neutral","sentiment_score":-0.08773678292830785},{"text":"You'll see on that table here, you've got your current income protection policy.","start":2302.57,"end":2307.23,"sentiment":"neutral","sentiment_score":0.04970911173866345},{"text":"This is a yearly benefit, so they break it down into a monthly amount.","start":2307.465,"end":2311.3252,"sentiment":"neutral","sentiment_score":0.1343614778348378},{"text":"You're currently covered for about a 122,150 and 9¢.","start":2312.185,"end":2317.0652,"sentiment":"neutral","sentiment_score":0.11054355278611183}],"sentiment":"neutral","sentiment_score":0.058215060211876606,"channel":0,"num_words":48,"start":2298.25,"end":2317.0652},{"sentences":[{"text":"With the quote, they're able to increase up to a $154,009.66 and 53¢.","start":2317.0652,"end":2323.17,"sentiment":"positive","sentiment_score":0.3361378920574983},{"text":"They're also including 10% employer con SGC, so employer contributions in the super, which at the moment is not on the policy.","start":2323.65,"end":2332.39,"sentiment":"neutral","sentiment_score":0.04344709539277987},{"text":"So we've opted to take the quote that does allow that because it means if you're off working on an income protection claim, they'll be paying something into your super fund as employer contributions, which is really important to keep your super working harder whilst you're off work as well.","start":2333.41,"end":2349.455,"sentiment":"neutral","sentiment_score":0.17233506369404494}],"sentiment":"neutral","sentiment_score":0.16197909509563552,"channel":0,"num_words":85,"start":2317.0652,"end":2349.455},{"sentences":[{"text":"Yep.","start":2350.18,"end":2350.68,"sentiment":"neutral","sentiment_score":0.13284656405448914}],"sentiment":"neutral","sentiment_score":0.13284656405448914,"channel":1,"num_words":1,"start":2350.18,"end":2350.68},{"sentences":[{"text":"Essentially, this policy is owned by your employer, but you're the sum insured.","start":2351.0798,"end":2355.0999,"sentiment":"neutral","sentiment_score":0.14616506260174972},{"text":"They do say they are set premiums.","start":2355.3198,"end":2357.0999,"sentiment":"neutral","sentiment_score":0.2604061705725534},{"text":"You do have a ninety day waiting period, and it's an age 65 policy.","start":2357.16,"end":2361.18,"sentiment":"neutral","sentiment_score":0.2902935179216521},{"text":"So you can be on a claim up to the age of 65, which is really good.","start":2361.24,"end":2365.695,"sentiment":"positive","sentiment_score":0.5410678290268954},{"text":"In order to increase this as per the quote, the only amount they expect that you'll pay is a $123.82 per month, and they noted that that is paid by way of salary packaging, so salary sacrifice.","start":2366.175,"end":2379.875,"sentiment":"neutral","sentiment_score":0.12397076692935582}],"sentiment":"neutral","sentiment_score":0.24513829237019474,"channel":0,"num_words":88,"start":2351.0798,"end":2379.875},{"sentences":[{"text":"So they'll deduct that out of your wages if that's the way you wanna go.","start":2379.96,"end":2383.3398,"sentiment":"neutral","sentiment_score":0.057103421290715536},{"text":"I do have the quote in the appendix for you and attached to this doc attached to this email for you so you can have a look at it.","start":2383.96,"end":2392.68,"sentiment":"neutral","sentiment_score":0.25732607009082004},{"text":"It is a very basic quote that they're able to give to us, but increasing this increases it quite significantly.","start":2392.68,"end":2399.315,"sentiment":"positive","sentiment_score":0.35429653972387315},{"text":"And, essentially, if your wage increases, you can continue to increase it along the lines of this.","start":2399.695,"end":2405.455,"sentiment":"neutral","sentiment_score":0.328199086820378},{"text":"The only kind of downside","start":2405.455,"end":2406.655,"sentiment":"neutral","sentiment_score":-0.1415342092514038}],"sentiment":"neutral","sentiment_score":0.23577501832745795,"channel":0,"num_words":86,"start":2379.96,"end":2406.655},{"sentences":[{"text":"Yep.","start":2406.56,"end":2407.06,"sentiment":"neutral","sentiment_score":-0.2450562119483948}],"sentiment":"neutral","sentiment_score":-0.2450562119483948,"channel":1,"num_words":1,"start":2406.56,"end":2407.06},{"sentences":[{"text":"is you will have to go through underwriting.","start":2406.655,"end":2408.355,"sentiment":"negative","sentiment_score":-0.4229649119079113},{"text":"So it is an application to fill out.","start":2408.415,"end":2410.5151,"sentiment":"neutral","sentiment_score":-0.08809977350756526},{"text":"If you wanna go ahead with the increase, we will help you as much as we absolutely can.","start":2410.8801,"end":2415.6,"sentiment":"neutral","sentiment_score":0.1573888518744045},{"text":"We'll email them, let know you that you wanna go ahead with it, try and get the paperwork sent through, and help you to fill it out.","start":2415.6,"end":2421.22,"sentiment":"neutral","sentiment_score":0.18356781287325752},{"text":"Essentially, they will go through underwriting to assess any changes to your health.","start":2422.08,"end":2426.0352,"sentiment":"neutral","sentiment_score":-0.0469383795100909}],"sentiment":"neutral","sentiment_score":0.04176505222111135,"channel":0,"num_words":74,"start":2406.655,"end":2426.0352},{"sentences":[{"text":"If there is anything that they assess as higher risk, there could be loadings and or exclusions aligned to the policy.","start":2426.0352,"end":2433.495,"sentiment":"neutral","sentiment_score":-0.12901171154919125},{"text":"But from","start":2434.0352,"end":2434.5151,"sentiment":"neutral","sentiment_score":-0.07356780022382736}],"sentiment":"neutral","sentiment_score":-0.12419050186872482,"channel":0,"num_words":23,"start":2426.0352,"end":2434.5151},{"sentences":[{"text":"Yep.","start":2434.48,"end":2434.98,"sentiment":"neutral","sentiment_score":-0.020658021792769432}],"sentiment":"neutral","sentiment_score":-0.020658021792769432,"channel":1,"num_words":1,"start":2434.48,"end":2434.98},{"sentences":[{"text":"everything we can see, there's really nothing.","start":2434.5151,"end":2436.435,"sentiment":"neutral","sentiment_score":0.008049383227314268},{"text":"You're pretty healthy, so there doesn't seem to be any red flags that I would see at the moment as being an issue.","start":2436.435,"end":2442.19,"sentiment":"neutral","sentiment_score":-0.004822940282199694},{"text":"But, essentially, increasing that cover significantly and adding the SDC contributions on there in the event that you're not able to go to work and paying that $123.82 per month out of your income to increase that, doesn't seem like too bad, Nadia.","start":2442.8901,"end":2459.7551,"sentiment":"neutral","sentiment_score":0.08944688347536464}],"sentiment":"neutral","sentiment_score":0.05194019240467516,"channel":0,"num_words":73,"start":2434.5151,"end":2459.7551},{"sentences":[{"text":"Okay.","start":2460.68,"end":2461.08,"sentiment":"neutral","sentiment_score":0.02932959981262684},{"text":"So that that fee, is that monthly?","start":2461.08,"end":2463.72,"sentiment":"neutral","sentiment_score":0.01586216195885624},{"text":"Because they're slightly further up in the table.","start":2463.72,"end":2465.96,"sentiment":"neutral","sentiment_score":0.02231521822977811},{"text":"It says it's per 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you sort of assessed that, you a hundred and twenty three months was somewhere around $1,500 a year?","start":2478.065,"end":2484.35,"sentiment":"neutral","sentiment_score":0.030846064224054937}],"sentiment":"neutral","sentiment_score":0.030846064224054937,"channel":1,"num_words":19,"start":2478.065,"end":2484.35},{"sentences":[{"text":"Mhmm.","start":2484.595,"end":2485.095,"sentiment":"neutral","sentiment_score":0.004740205593407154}],"sentiment":"neutral","sentiment_score":0.004740205593407154,"channel":0,"num_words":1,"start":2484.595,"end":2485.095},{"sentences":[{"text":"How that I'll put this.","start":2486.09,"end":2490.59,"sentiment":"neutral","sentiment_score":0.003681068867444992},{"text":"Like, the the payoff, is it is it worthwhile me doing this?","start":2490.65,"end":2496.775,"sentiment":"neutral","sentiment_score":0.005860114159683387}],"sentiment":"neutral","sentiment_score":0.005219218485495623,"channel":1,"num_words":17,"start":2486.09,"end":2496.775},{"sentences":[{"text":"Yeah.","start":2497.1702,"end":2497.49,"sentiment":"neutral","sentiment_score":0.15039463341236117},{"text":"Absolutely.","start":2497.49,"end":2497.99,"sentiment":"neutral","sentiment_score":0.2507990896701813},{"text":"At the moment, we're only getting the six to 7% of your income, there's no employer contributions going into super if you're off work.","start":2499.1702,"end":2506.685,"sentiment":"neutral","sentiment_score":-0.0006488083551327387},{"text":"The increase in this on a month like, paying the extra on a monthly basis to increase the amount of cover that you're able to get is definitely worth while and including the employer contributions in the super absolutely.","start":2507.225,"end":2518.39,"sentiment":"positive","sentiment_score":0.5370555749306312},{"text":"Because if anything was to happen, if you were off work, sort of thinking about your circumstances, you know, school fees, everything that you go through, looking at the current income protection amount, it's pretty significantly lower to what you're actually earning.","start":2518.45,"end":2531.905,"sentiment":"neutral","sentiment_score":-0.07266250696210634}],"sentiment":"neutral","sentiment_score":0.17083144348079912,"channel":0,"num_words":107,"start":2497.1702,"end":2531.905},{"sentences":[{"text":"So you might find it a little bit harder to live, might find 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family.","start":2544.66,"end":2548.52,"sentiment":"neutral","sentiment_score":0.11111378110945225},{"text":"And if you're off work for, say, two years, five years, or even up up to sixty five, without those employer contribution sorry.","start":2548.8198,"end":2556.66,"sentiment":"neutral","sentiment_score":-0.03992036713854126},{"text":"Without those employer contributions, your super is only working on itself.","start":2556.66,"end":2560.975,"sentiment":"neutral","sentiment_score":-0.03918978538025509}],"sentiment":"neutral","sentiment_score":-0.07164523187714318,"channel":0,"num_words":75,"start":2535.745,"end":2560.975},{"sentences":[{"text":"So 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page,","start":2801.7148,"end":2809.635,"sentiment":"neutral","sentiment_score":-0.1086815862217918}],"sentiment":"neutral","sentiment_score":0.003589881229258719,"channel":0,"num_words":42,"start":2798.2,"end":2809.635},{"sentences":[{"text":"Yeah.","start":2809.425,"end":2809.925,"sentiment":"neutral","sentiment_score":-0.02686603926122189}],"sentiment":"neutral","sentiment_score":-0.02686603926122189,"channel":1,"num_words":1,"start":2809.425,"end":2809.925},{"sentences":[{"text":"you have a little text box, so on the authority to proceed.","start":2809.635,"end":2813.095,"sentiment":"neutral","sentiment_score":-0.007357527036219835},{"text":"In that talks text box, if there's any section that you wanna hold off or not proceed with if you just wanna hold off for a few months, just sort of write down you don't wish to proceed yet.","start":2813.395,"end":2822.8699,"sentiment":"neutral","sentiment_score":-0.07385076303035021},{"text":"You wanna hold off and maybe review at a certain point in time.","start":2822.8699,"end":2825.93,"sentiment":"neutral","sentiment_score":-0.06940220525631538},{"text":"But you just","start":2826.23,"end":2826.8699,"sentiment":"neutral","sentiment_score":-0.015769674132267635}],"sentiment":"neutral","sentiment_score":-0.058477727960405956,"channel":0,"num_words":67,"start":2809.635,"end":2826.8699},{"sentences":[{"text":"Yep.","start":2826.75,"end":2827.25,"sentiment":"neutral","sentiment_score":0.006607194896787405}],"sentiment":"neutral","sentiment_score":0.006607194896787405,"channel":1,"num_words":1,"start":2826.75,"end":2827.25},{"sentences":[{"text":"need to add that little statement just in on that authority to proceed with the sections that you wanna hold off on, or not proceed with just so we have that as a record because the the advice remains appropriate as it is.","start":2826.8699,"end":2839.2751,"sentiment":"neutral","sentiment_score":0.016567562728427177},{"text":"It's just letting us know that you don't wish to proceed or certain, wish to hold off on certain aspects there.","start":2839.5151,"end":2845.1,"sentiment":"neutral","sentiment_score":-0.03846687273610206},{"text":"So if you just write that on the last page there, that's absolutely fine.","start":2845.1,"end":2848.54,"sentiment":"neutral","sentiment_score":0.2559989754642759},{"text":"We'll take a note of that, and then we can proceed with the other sections for you.","start":2848.54,"end":2852.4602,"sentiment":"neutral","sentiment_score":0.2444900020080454},{"text":"Okay?","start":2852.4602,"end":2852.9602,"sentiment":"neutral","sentiment_score":0.09837308526039124}],"sentiment":"neutral","sentiment_score":0.08065926714334637,"channel":0,"num_words":96,"start":2826.8699,"end":2852.9602},{"sentences":[{"text":"Yeah.","start":2853.1448,"end":2853.4648,"sentiment":"neutral","sentiment_score":0.05422272905707359},{"text":"Okay.","start":2853.4648,"end":2853.785,"sentiment":"neutral","sentiment_score":0.07332907617092133},{"text":"Because 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now.","start":2854.505,"end":2856.9248,"sentiment":"neutral","sentiment_score":0.06996271573007107},{"text":"The","start":2857.1448,"end":2857.545,"sentiment":"neutral","sentiment_score":0.05029207468032837}],"sentiment":"neutral","sentiment_score":0.06777708894676632,"channel":1,"num_words":9,"start":2854.505,"end":2857.545},{"sentences":[{"text":"Yeah.","start":2857.355,"end":2857.855,"sentiment":"neutral","sentiment_score":0.059926364570856094}],"sentiment":"neutral","sentiment_score":0.059926364570856094,"channel":0,"num_words":1,"start":2857.355,"end":2857.855},{"sentences":[{"text":"the changeover as far as we've been told is meant to happen, you know, sort of June.","start":2857.545,"end":2862.125,"sentiment":"neutral","sentiment_score":0.06366690292077906}],"sentiment":"neutral","sentiment_score":0.06366690292077906,"channel":1,"num_words":17,"start":2857.545,"end":2862.125},{"sentences":[{"text":"Yep.","start":2862.635,"end":2863.135,"sentiment":"neutral","sentiment_score":0.09607243537902832}],"sentiment":"neutral","sentiment_score":0.09607243537902832,"channel":0,"num_words":1,"start":2862.635,"end":2863.135},{"sentences":[{"text":"So if we were to make, like, even if I was to say yes and sign up to this policy, I would imagine it's probably gonna take four to six weeks for all the paperwork to get done and for it to come into","start":2863.865,"end":2874.1602,"sentiment":"neutral","sentiment_score":0.040001313434913754}],"sentiment":"neutral","sentiment_score":0.040001313434913754,"channel":1,"num_words":44,"start":2863.865,"end":2874.1602},{"sentences":[{"text":"Yeah.","start":2874.0898,"end":2874.5898,"sentiment":"neutral","sentiment_score":-0.01052110269665718}],"sentiment":"neutral","sentiment_score":-0.01052110269665718,"channel":0,"num_words":1,"start":2874.0898,"end":2874.5898},{"sentences":[{"text":"effect.","start":2874.1602,"end":2874.6602,"sentiment":"neutral","sentiment_score":-0.013985086232423782}],"sentiment":"neutral","sentiment_score":-0.013985086232423782,"channel":1,"num_words":1,"start":2874.1602,"end":2874.6602},{"sentences":[{"text":"Yeah.","start":2875.13,"end":2875.63,"sentiment":"neutral","sentiment_score":-0.014537621289491652}],"sentiment":"neutral","sentiment_score":-0.014537621289491652,"channel":0,"num_words":1,"start":2875.13,"end":2875.63},{"sentences":[{"text":"So it it I don't know.","start":2876.32,"end":2877.52,"sentiment":"neutral","sentiment_score":-0.053627882773677506},{"text":"What what what do you think?","start":2877.52,"end":2878.7202,"sentiment":"neutral","sentiment_score":-0.11839034780859947},{"text":"Should we just wait?","start":2878.7202,"end":2879.78,"sentiment":"neutral","sentiment_score":-0.09594471380114555}],"sentiment":"neutral","sentiment_score":-0.08849301491864026,"channel":1,"num_words":16,"start":2876.32,"end":2879.78},{"sentences":[{"text":"It's completely up to you.","start":2880.585,"end":2882.365,"sentiment":"neutral","sentiment_score":0.1177719660103321},{"text":"Doing it now means that if anything was to happen in the meantime, you do get that higher level of of cover to sort of back you.","start":2882.5051,"end":2889.325,"sentiment":"neutral","sentiment_score":0.09536030860962691},{"text":"The risk of","start":2889.785,"end":2890.2651,"sentiment":"neutral","sentiment_score":-0.3121807128190994}],"sentiment":"neutral","sentiment_score":0.06362988640155111,"channel":0,"num_words":35,"start":2880.585,"end":2890.2651},{"sentences":[{"text":"Yeah.","start":2890.115,"end":2890.615,"sentiment":"negative","sentiment_score":-0.3485247492790222}],"sentiment":"negative","sentiment_score":-0.3485247492790222,"channel":1,"num_words":1,"start":2890.115,"end":2890.615},{"sentences":[{"text":"not doing it now means that something could go wrong in saying that.","start":2890.2651,"end":2893.6401,"sentiment":"negative","sentiment_score":-0.5089248693906344},{"text":"There's obviously a small chance that something could go wrong.","start":2893.6401,"end":2896.12,"sentiment":"negative","sentiment_score":-0.497820845246315},{"text":"You could the next twelve months, next ten years, you could never claim on 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do.","start":2917.185,"end":2921.365,"sentiment":"neutral","sentiment_score":0.049947987248500185},{"text":"Okay?","start":2921.505,"end":2922.005,"sentiment":"neutral","sentiment_score":0.07227340340614319}],"sentiment":"neutral","sentiment_score":0.051343325758352876,"channel":0,"num_words":16,"start":2917.185,"end":2922.005},{"sentences":[{"text":"Yep.","start":2922.175,"end":2922.54,"sentiment":"neutral","sentiment_score":0.09484885632991792},{"text":"Alright.","start":2923.02,"end":2923.52,"sentiment":"neutral","sentiment_score":0.16317681968212128}],"sentiment":"neutral","sentiment_score":0.1290128380060196,"channel":1,"num_words":2,"start":2922.175,"end":2923.52},{"sentences":[{"text":"And if you hold off and say, look.","start":2923.05,"end":2924.57,"sentiment":"neutral","sentiment_score":0.08299496816471219},{"text":"I wanna hold off until for a few months, we can just touch base in, you know, two, three months beginning in June.","start":2924.57,"end":2930.25,"sentiment":"neutral","sentiment_score":0.09557780753011288},{"text":"And if you say, hey.","start":2930.25,"end":2931.1301,"sentiment":"neutral","sentiment_score":0.09034487158060074},{"text":"Look.","start":2931.1301,"end":2931.37,"sentiment":"neutral","sentiment_score":0.0854155495762825},{"text":"Yeah.","start":2931.37,"end":2931.61,"sentiment":"neutral","sentiment_score":0.17666521668434143}],"sentiment":"neutral","sentiment_score":0.09410669585984004,"channel":0,"num_words":38,"start":2923.05,"end":2931.61},{"sentences":[{"text":"Let's do it.","start":2931.61,"end":2932.1702,"sentiment":"neutral","sentiment_score":0.17976134518782297},{"text":"Or if you change your mind and you wanna go ahead, we'll just get you to put it in writing, and we can go ahead at any point in time.","start":2932.1702,"end":2937.77,"sentiment":"neutral","sentiment_score":0.22004847327868143},{"text":"It's not a problem.","start":2937.77,"end":2938.8252,"sentiment":"neutral","sentiment_score":0.29992760717868805}],"sentiment":"neutral","sentiment_score":0.2254175314226666,"channel":0,"num_words":37,"start":2931.61,"end":2938.8252},{"sentences":[{"text":"Okay.","start":2938.9148,"end":2939.4148,"sentiment":"positive","sentiment_score":0.40784305334091187}],"sentiment":"positive","sentiment_score":0.40784305334091187,"channel":1,"num_words":1,"start":2938.9148,"end":2939.4148},{"sentences":[{"text":"Yeah.","start":2940.485,"end":2940.985,"sentiment":"positive","sentiment_score":0.491340845823288},{"text":"Perfect.","start":2941.3652,"end":2941.8652,"sentiment":"positive","sentiment_score":0.5930773019790649},{"text":"The last thing I do have to let you know is you do have the estate planning side scoped in as well.","start":2943.205,"end":2947.685,"sentiment":"neutral","sentiment_score":0.25455988198518753},{"text":"I am making a recommendation that we make sure all of your beneficiaries are up to date.","start":2947.685,"end":2952.35,"sentiment":"neutral","sentiment_score":0.22540777746368856},{"text":"On the Plum Super, one of the statements we got said you did have a beneficiary nominated.","start":2952.35,"end":2957.01,"sentiment":"neutral","sentiment_score":0.1564262057928478}],"sentiment":"neutral","sentiment_score":0.22717091839375167,"channel":0,"num_words":58,"start":2940.485,"end":2957.01},{"sentences":[{"text":"The next one said there wasn't one.","start":2957.07,"end":2959.1702,"sentiment":"neutral","sentiment_score":-0.07309816884143013},{"text":"So I'm not sure if there is or isn't on the Plum Super account, but we're gonna make sure all your beneficiary nominations on Plum Super Hub twenty four and with your life policy with the sender if you decide to go that way are all updated.","start":2959.31,"end":2971.475,"sentiment":"neutral","sentiment_score":0.07662707606845713},{"text":"Finding, non lapsing, nominating a 100% to your 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aside.","start":2982.75,"end":2989.0898,"sentiment":"positive","sentiment_score":0.4583933614194393},{"text":"I've","start":2989.8699,"end":2990.19,"sentiment":"neutral","sentiment_score":0.1050572395324707}],"sentiment":"positive","sentiment_score":0.49186919858822453,"channel":0,"num_words":39,"start":2980.27,"end":2990.19},{"sentences":[{"text":"Yep.","start":2990.17,"end":2990.67,"sentiment":"neutral","sentiment_score":0.1112261414527893}],"sentiment":"neutral","sentiment_score":0.1112261414527893,"channel":1,"num_words":1,"start":2990.17,"end":2990.67},{"sentences":[{"text":"also, in here, added the estate planning side with the will and the and the power of attorney.","start":2990.19,"end":2995.445,"sentiment":"neutral","sentiment_score":0.09402016094989246},{"text":"So we aren't lawyers.","start":2995.445,"end":2997.605,"sentiment":"neutral","sentiment_score":0.02096146298572421},{"text":"We can't set up a will for you, but we can refer you to a solicitor.","start":2997.605,"end":3001.145,"sentiment":"neutral","sentiment_score":0.05430051771691069},{"text":"And if you like, I can send, sorry, just an information email to you, which gives you a bit of detail around the solicitor that we can refer you through to with a bit of a costing around what it that what they charge for a will, a bit of information around trust, and things like that just to maybe start the conversation off.","start":3001.205,"end":3018.25,"sentiment":"neutral","sentiment_score":0.09093546937219799},{"text":"Okay?","start":3018.3901,"end":3018.8901,"sentiment":"neutral","sentiment_score":0.07626742869615555}],"sentiment":"neutral","sentiment_score":0.08292383010707145,"channel":0,"num_words":103,"start":2990.19,"end":3018.8901},{"sentences":[{"text":"Yep.","start":3019.76,"end":3020.0798,"sentiment":"neutral","sentiment_score":0.11263253539800644},{"text":"Sure.","start":3020.0798,"end":3020.5798,"sentiment":"neutral","sentiment_score":0.18774884939193728}],"sentiment":"neutral","sentiment_score":0.15019069239497185,"channel":1,"num_words":2,"start":3019.76,"end":3020.5798},{"sentences":[{"text":"Yeah.","start":3020.71,"end":3021.105,"sentiment":"neutral","sentiment_score":0.2807193100452423},{"text":"Perfect.","start":3021.345,"end":3021.845,"sentiment":"positive","sentiment_score":0.6033229827880859},{"text":"Perfect.","start":3022.065,"end":3022.565,"sentiment":"positive","sentiment_score":0.5600424408912659},{"text":"That is everything I needed to go through with you there, Ben.","start":3023.105,"end":3025.905,"sentiment":"neutral","sentiment_score":0.33163276066382724},{"text":"I know it is at 02:21 my time, so 03:21 your time.","start":3025.905,"end":3029.105,"sentiment":"neutral","sentiment_score":0.010880370779583851}],"sentiment":"neutral","sentiment_score":0.2057126781868714,"channel":0,"num_words":27,"start":3020.71,"end":3029.105},{"sentences":[{"text":"I know you do have to kinda head off now.","start":3029.105,"end":3031.365,"sentiment":"neutral","sentiment_score":-0.03695158138871193},{"text":"The rest of the document just sorta outlines the ongoing service fees, and it's important to note that we do receive remuneration from insurance companies when insurances are written into place.","start":3032.785,"end":3042.7002,"sentiment":"neutral","sentiment_score":0.019491665786312472},{"text":"It has no effect on our recommendations in any way, shape, or form.","start":3043.0,"end":3047.02,"sentiment":"neutral","sentiment_score":-0.12827828268592173},{"text":"But in the document here on page number 39, it does outline that with a standard, if you do go through with the insurance policy, it's up to you.","start":3047.32,"end":3055.0352,"sentiment":"neutral","sentiment_score":0.18798592429736566},{"text":"We do receive 66% of the first year's premium and 22%, they're ongoing.","start":3055.0352,"end":3059.455,"sentiment":"neutral","sentiment_score":0.21516899535289177}],"sentiment":"neutral","sentiment_score":0.07099892598732065,"channel":0,"num_words":96,"start":3029.105,"end":3059.455},{"sentences":[{"text":"It is legislated that we receive the exact same amount from all insurance companies, so it has not got anything to do with our recommendation.","start":3059.7551,"end":3066.91,"sentiment":"neutral","sentiment_score":0.05575038919225335},{"text":"Everything I've recommended to you has to be in best interest, and that's why through this document, you see a best interest statement which outlines the reasoning and how the recommendations are in line your goals and in your best interest.","start":3067.45,"end":3079.2349,"sentiment":"neutral","sentiment_score":0.2632529888211227},{"text":"Okay.","start":3079.295,"end":3079.795,"sentiment":"neutral","sentiment_score":0.28142112493515015}],"sentiment":"neutral","sentiment_score":0.18609781188667932,"channel":0,"num_words":67,"start":3059.7551,"end":3079.795},{"sentences":[{"text":"Yep.","start":3080.68,"end":3081.18,"sentiment":"positive","sentiment_score":0.35844361782073975}],"sentiment":"positive","sentiment_score":0.35844361782073975,"channel":1,"num_words":1,"start":3080.68,"end":3081.18},{"sentences":[{"text":"Perfect.","start":3081.6948,"end":3082.1948,"sentiment":"positive","sentiment_score":0.6926504969596863},{"text":"That is basically everything in there.","start":3083.135,"end":3085.315,"sentiment":"positive","sentiment_score":0.5441960742076238},{"text":"As you are going through, page number 41 outlines how we'll go through and and do the implementation there.","start":3085.375,"end":3091.635,"sentiment":"neutral","sentiment_score":0.3271315011538957},{"text":"And then on page number 42 at the very bottom, you should have a section there for a little text box, and you can just write in there what you do and or do not or wish to hold off on as part of the recommendations.","start":3091.98,"end":3103.36,"sentiment":"neutral","sentiment_score":0.12401472760931305},{"text":"Essentially, we make the recommendations to you outlining everything, and then it's up to you what you're comfortable to take on board.","start":3104.2349,"end":3110.1748,"sentiment":"positive","sentiment_score":0.3495377979495309}],"sentiment":"neutral","sentiment_score":0.25072164350050563,"channel":0,"num_words":94,"start":3081.6948,"end":3110.1748},{"sentences":[{"text":"If you do have any additional questions after reading through, let me know.","start":3110.4749,"end":3113.515,"sentiment":"neutral","sentiment_score":0.18746698533113187},{"text":"I know sometimes there are additional questions that come through after the conversation, so feel free to email me with anything that you need.","start":3113.515,"end":3119.54,"sentiment":"neutral","sentiment_score":0.22706282387177149},{"text":"And if we have to have another conversation, I'm more than happy to make time to come back and chat to you.","start":3119.54,"end":3124.4202,"sentiment":"positive","sentiment_score":0.3673723990266973},{"text":"Okay?","start":3124.4202,"end":3124.9202,"sentiment":"neutral","sentiment_score":0.1454487442970276}],"sentiment":"neutral","sentiment_score":0.2685703350851933,"channel":0,"num_words":60,"start":3110.4749,"end":3124.9202},{"sentences":[{"text":"Okay.","start":3125.41,"end":3125.73,"sentiment":"neutral","sentiment_score":0.2885618805885315},{"text":"Beautiful.","start":3125.73,"end":3126.23,"sentiment":"positive","sentiment_score":0.7562119364738464},{"text":"Thank you very much for that.","start":3126.29,"end":3127.67,"sentiment":"positive","sentiment_score":0.8338977297147115}],"sentiment":"positive","sentiment_score":0.7560200244188309,"channel":1,"num_words":8,"start":3125.41,"end":3127.67},{"sentences":[{"text":"That's okay, Ben.","start":3127.86,"end":3128.9001,"sentiment":"positive","sentiment_score":0.6552471915880839},{"text":"I hope you have a lovely afternoon.","start":3128.9001,"end":3130.6602,"sentiment":"positive","sentiment_score":0.7616804667881557},{"text":"I know you're very time, Paul, but I appreciate you","start":3130.6602,"end":3134.635,"sentiment":"positive","sentiment_score":0.39462456554174424}],"sentiment":"positive","sentiment_score":0.5621875248849392,"channel":0,"num_words":20,"start":3127.86,"end":3134.635},{"sentences":[{"text":"No","start":3134.53,"end":3134.77,"sentiment":"neutral","sentiment_score":0.26276731491088867}],"sentiment":"neutral","sentiment_score":0.26276731491088867,"channel":1,"num_words":1,"start":3134.53,"end":3134.77},{"sentences":[{"text":"taking","start":3134.691,"end":3135.191,"sentiment":"neutral","sentiment_score":0.2722317576408386}],"sentiment":"neutral","sentiment_score":0.2722317576408386,"channel":0,"num_words":1,"start":3134.691,"end":3135.191},{"sentences":[{"text":"worries, Dana.","start":3134.77,"end":3135.49,"sentiment":"neutral","sentiment_score":0.22059331834316254}],"sentiment":"neutral","sentiment_score":0.22059331834316254,"channel":1,"num_words":2,"start":3134.77,"end":3135.49},{"sentences":[{"text":"my","start":3135.2468,"end":3135.7468,"sentiment":"neutral","sentiment_score":0.030089594423770905}],"sentiment":"neutral","sentiment_score":0.030089594423770905,"channel":0,"num_words":1,"start":3135.2468,"end":3135.7468},{"sentences":[{"text":"Alright.","start":3135.49,"end":3135.73,"sentiment":"neutral","sentiment_score":0.17129001021385193},{"text":"I'll","start":3135.73,"end":3135.97,"sentiment":"neutral","sentiment_score":0.1839461326599121}],"sentiment":"neutral","sentiment_score":0.17761807143688202,"channel":1,"num_words":2,"start":3135.49,"end":3135.97},{"sentences":[{"text":"call.","start":3135.803,"end":3136.303,"sentiment":"neutral","sentiment_score":0.1312161087989807}],"sentiment":"neutral","sentiment_score":0.1312161087989807,"channel":0,"num_words":1,"start":3135.803,"end":3136.303},{"sentences":[{"text":"read through all that tonight and, yeah, actually get back to you in the next couple of days.","start":3135.97,"end":3140.15,"sentiment":"neutral","sentiment_score":0.2102398019697931}],"sentiment":"neutral","sentiment_score":0.2102398019697931,"channel":1,"num_words":18,"start":3135.97,"end":3140.15},{"sentences":[{"text":"Yes.","start":3140.119,"end":3140.439,"sentiment":"neutral","sentiment_score":0.2842192053794861},{"text":"Legend.","start":3140.439,"end":3140.8389,"sentiment":"positive","sentiment_score":0.48235541582107544},{"text":"Thank you so much.","start":3140.8389,"end":3141.879,"sentiment":"positive","sentiment_score":0.8338896483182907},{"text":"You have a good afternoon.","start":3141.879,"end":3143.2588,"sentiment":"positive","sentiment_score":0.7683299660682679}],"sentiment":"positive","sentiment_score":0.7221620949831876,"channel":0,"num_words":11,"start":3140.119,"end":3143.2588},{"sentences":[{"text":"You too.","start":3144.249,"end":3144.729,"sentiment":"positive","sentiment_score":0.47488702833652496},{"text":"Alright.","start":3144.729,"end":3145.0488,"sentiment":"neutral","sentiment_score":0.297157883644104},{"text":"Bye.","start":3145.0488,"end":3145.5488,"sentiment":"neutral","sentiment_score":0.3282111883163452}],"sentiment":"positive","sentiment_score":0.3937857821583748,"channel":1,"num_words":4,"start":3144.249,"end":3145.5488},{"sentences":[{"text":"Thanks.","start":3145.0789,"end":3145.5789,"sentiment":"positive","sentiment_score":0.593782901763916},{"text":"See you later.","start":3145.719,"end":3146.459,"sentiment":"positive","sentiment_score":0.47106098135312396}],"sentiment":"positive","sentiment_score":0.501741461455822,"channel":0,"num_words":4,"start":3145.0789,"end":3146.459},{"sentences":[{"text":"Yep.","start":3147.2888,"end":3147.7888,"sentiment":"neutral","sentiment_score":-0.07541025429964066}],"sentiment":"neutral","sentiment_score":-0.07541025429964066,"channel":1,"num_words":1,"start":3147.2888,"end":3147.7888}]},"summary":{"result":"success","short":"The speaker discusses various insurance policies and emphasizes the importance of retaining insurance premiums and maintaining a balance in the portfolio. They recommend adding life insurance to the policy and adding contributions to maximize pay. The speaker emphasizes the importance of reviewing the current trajectory of the portfolio and taking advantage of ups and downs in the future. They also recommend reducing risk and adding regular investment in the portfolio. The agent provides information on coverage options and recommends updating beneficiaries and updating beneficiaries. The policy is recommended to the customer and is up to the customer's discretion."},"intents":{"segments":[{"text":"Do you happen to have access to your emails there as well? Yep.","start_word":50,"end_word":62,"intents":[{"intent":"Check device access","confidence_score":0.0022921583}]},{"text":"So on the front there, the statement of advice has been prepared for yourself, Benjamin Parker, there as of today yesterday's date, sorry, the 03/04/2026. It's insane. The year is flying by already. Will be at Christmas again in no time. Yep.","start_word":318,"end_word":359,"intents":[{"intent":"Prepare and navigate advice document","confidence_score":0.00003170377}]},{"text":"The rest of the scoping section there, so we have looked at insurances. Obviously, that is part of you do have your insurances employer paid in Plum Super Day. You've also got your employer paid income protection policy. We were able to get some information around those policies, and we were also looking at some TBD cover because it's something that you don't have but wanted to look at getting. So I have made some recommendations around those for you.","start_word":904,"end_word":983,"intents":[{"intent":"Recommend policy recommendations","confidence_score":0.0072620804}]},{"text":"You wanted to make sure if anything happens that your beneficiaries were all covered, that in the event of passing prematurely, touch wood, it never happens, that all the funds are paid to your wife as you continue to look after your family. Okay?","start_word":1006,"end_word":1049,"intents":[{"intent":"Verify beneficiaries and fund coverage","confidence_score":0.002400229}]},{"text":"If you track, if you want a cash on budgeting advice, we can absolutely help you as well. Okay?","start_word":1119,"end_word":1137,"intents":[{"intent":"Provide advice on budgeting and insurance coverage","confidence_score":0.0012660566}]},{"text":"So I am recommending that we do retain that for the time being. Keep your contributions going into plum and hold the debt cover within that.","start_word":1391,"end_word":1416,"intents":[{"intent":"Recommend retaining contributions","confidence_score":0.13982965},{"intent":"Recommend keeping balance","confidence_score":0.06395687}]},{"text":"However, I went back and had a really good look at the portfolio, and I am making a recommendation to alter some of the investments within the portfolio, and I'll show you that very shortly. Okay?","start_word":1428,"end_word":1463,"intents":[{"intent":"Recommend altering investments","confidence_score":0.35355234},{"intent":"Discuss portfolio changes","confidence_score":0.037324063}]},{"text":"So it's about making sure that we're moving smaller amounts in on a regular basis to take advantage of market reactions whilst keeping enough money in your plum super to retain your insurances and also make sure that we're covering in case that we saw a bit of a downturn.","start_word":1616,"end_word":1665,"intents":[{"intent":"Recommend moving smaller amounts","confidence_score":0.22541073}]},{"text":"The other side of that is I'm also making a recommendation around the insurance side of things with TBD. So I wanna make sure that Plum Super has enough to cover all your insurance premiums. Okay? Perfect.","start_word":1666,"end_word":1702,"intents":[{"intent":"Recommend maintaining insurance coverage","confidence_score":0.039975177}]},{"text":"So we are making a recommendation to remove that solely from your portfolio. Mhmm.","start_word":1900,"end_word":1913,"intents":[{"intent":"Removing assets","confidence_score":0.0027120179}]},{"text":"And then because Bennelong held them, unfortunately, it meant that Corporate Traveler had to be reevaluated. And then Bennelong, because they still hold them, had to be reevaluated as well.","start_word":2027,"end_word":2056,"intents":[{"intent":"Reevaluating portfolio","confidence_score":0.0044155363}]},{"text":"What's the difference between the Australia 201 directly above it that's got the code q o zed? Because they both The seem queue to up. be Australia 200, so we're doubling Yeah. up. It is it is giving you exposure to the top 200 companies. It's not so much doubling up because we have we've changed the exposure levels in there.","start_word":2417,"end_word":2477,"intents":[{"intent":"Verify address change","confidence_score":9.620195e-8}]},{"text":"We are rebalancing the portfolio, so you will see us just selling some of those investments down a little bit. It's just by bringing you back into line so you're not overexposed or, you know, taking on too much risk in any way. Yeah.","start_word":2741,"end_word":2784,"intents":[{"intent":"Evaluate portfolio diversification","confidence_score":0.14853404}]},{"text":"That one there is bank hybrids have sort of more of a complex investment. They work very similar to bonds where you're purchasing some investments within the top four banks.","start_word":2847,"end_word":2876,"intents":[{"intent":"Explain bank hybrids","confidence_score":0.094603136}]},{"text":"Your existing portfolio shows you have about 93.19% in growth investments and then about six Yep. point 81% in defensive investments there. Okay? With the proposed changes that we've made above there, essentially, we would see your growth investments increasing slightly to 9494.85%, and then we're just decreasing your defensive investments a little bit to about 5.15% there.","start_word":3223,"end_word":3280,"intents":[{"intent":"Discuss portfolio changes","confidence_score":0.015925713}]},{"text":"Your contributions, I still want to go into Plum Super to keep that going. And as I said, we will just sort of touch base every quarter with you, have a look at what's in the plum sleeper, and roll funds over when we need to to make sure you retain that $30,000 balance and with dollar cost averaging in the hub 24. Okay?","start_word":3743,"end_word":3806,"intents":[{"intent":"Consolidate contribution","confidence_score":0.00032090358}]},{"text":"wanna have a look at is if you have any catch up contributions to any cap space over the last couple of years that we could maybe utilize to maximize that if you wanted to make additional contributions, and your myGov Yep. will give you an idea of what your cap space looks like.","start_word":3966,"end_word":4019,"intents":[{"intent":"Find catch up contributions","confidence_score":0.096145846},{"intent":"Maximize contributions","confidence_score":0.75179505}]},{"text":"So I would definitely be checking in myGov prior to making anything additional.","start_word":4070,"end_word":4082,"intents":[{"intent":"Check in mygov","confidence_score":0.4179461}]},{"text":"another conversation. I know you guys Yeah.","start_word":4089,"end_word":4095,"intents":[{"intent":"Make conversation","confidence_score":0.2623652}]},{"text":"It's the con the concessional cap. So the concessional contribution cap for this year is 30,000 per financial year. Yep.","start_word":4150,"end_word":4169,"intents":[{"intent":"Consolidate structure","confidence_score":2.2414581e-7}]},{"text":"I can even send you an email and direct you through how to find the catch up contributions. But if you Yep. wanted to grab those for me, I could have a look at them, and we could always have chat about making some additional contributions if that's what you wanted to do as well. Yeah. Okay. Yep. Yeah. I'll have a I'll if you can send that email with the instructions Yeah.","start_word":4204,"end_word":4276,"intents":[{"intent":"Send email and instructions","confidence_score":0.00026470184}]},{"text":"so I can at Yeah. least get the figures. And then from Yeah. there, you know, we can also look at whether I'd need to do that with our current, you know, trajectory. Yeah.","start_word":4277,"end_word":4310,"intents":[{"intent":"Get figures","confidence_score":0.0668311}]},{"text":"Yeah. Sorry. This looks very different to the last sort of advice documents that you would have seen. We've kinda Yeah.","start_word":4344,"end_word":4364,"intents":[{"intent":"Balance portfolio","confidence_score":0.0057357443}]},{"text":"I can you know, I don't I can guarantee that won't happen? you're you're happy? You feel a bit more risky? Yeah. Yeah.","start_word":4514,"end_word":4536,"intents":[{"intent":"Identify risks in portfolio","confidence_score":0.00011265272}]},{"text":"In my eyes, I sort of focus on the next five years because you are still very young. Things can definitely change, and we do know in a high growth portfolio, we do expect a negative year to come about at least once in the next sort of six years depending on how markets go. So I sort of focus mostly on this next sort of five years hoping that's where we're sort of heading.","start_word":4587,"end_word":4661,"intents":[{"intent":"Focus on next five years","confidence_score":0.06957522}]},{"text":"portfolio has reacted every year when we do the research, but I'm honest and I'm open to let you know I don't expect you to get that return every single year.","start_word":4750,"end_word":4780,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.08144078}]},{"text":"And gold, I believe, last year, at the end of last year, ended at, like, a thirty year high. So it was a Yeah.","start_word":5112,"end_word":5135,"intents":[{"intent":"Discuss gold's growth","confidence_score":0.0005920338},{"intent":"Discuss gold's potential upside","confidence_score":0.0023743738},{"intent":"Discuss gold's potential recovery","confidence_score":0.000044966215},{"intent":"Discuss gold's annual rollovers","confidence_score":0.00026928858}]},{"text":"So gold is definitely a bit of a safe haven. It's def it's a growth asset, but it acts defensively because of the way we utilize it in portfolios.","start_word":5204,"end_word":5232,"intents":[{"intent":"Discuss investment requirements","confidence_score":0.000047497848}]},{"text":"I had a bit of a look at what the analysts are predicting there, and they don't see gold having a huge downturn this year. They're kind of expecting it to continue to steady up.","start_word":5235,"end_word":5269,"intents":[{"intent":"Discuss inflation forecast","confidence_score":0.00240361}]},{"text":"I had a bit of a look at what the analysts are predicting there, and they don't see gold having a huge downturn this year. They're kind of expecting it to continue to steady up. So, you know, they're sort of projecting really good things for majority of the year, but I do think we're gonna see a bit of volatility in there.","start_word":5235,"end_word":5297,"intents":[{"intent":"Discuss equities volatility","confidence_score":0.0015616941}]},{"text":"It is showing you where we're sort of tracking based on what we have with the research there.","start_word":5467,"end_word":5484,"intents":[{"intent":"Track progress","confidence_score":0.4659611}]},{"text":"So how TPD, in the event of a claim, if you're under the eighty sixty, can be taxed up to 22%, and you wanted to make sure that the mortgage could be cleared free and clear, factoring in the tax component there, and then making sure your super could be paid out on top of that for income replacement.","start_word":5817,"end_word":5875,"intents":[{"intent":"Explain tdb benefits","confidence_score":0.27330336}]},{"text":"So I've actually recommended that we apply for $1,000,000 of TBD with a sender, which used to be MLC. They've provided the cheapest rate.","start_word":5955,"end_word":5978,"intents":[{"intent":"Recommend tdb for claim purposes","confidence_score":0.0000010806198},{"intent":"Recommend tdb for insurance","confidence_score":0.002174357}]},{"text":"In the in the appendix, you'll see we've actually screenshotted the different the stand alone options and how much they actually go up in price.","start_word":6168,"end_word":6192,"intents":[{"intent":"Explain stand alone options","confidence_score":0.03699378}]},{"text":"Does this does this life insurance policy payout as well as Yep. the life insurance in my super?","start_word":6220,"end_word":6237,"intents":[{"intent":"Explain policy benefits","confidence_score":0.034977455}]},{"text":"And when we add that to the policy that is being paid out of Plumb already, the first year's net premium is expected to be 1,669 as a total. So that's how you get to that recommended figure at the very top there. Okay?","start_word":6554,"end_word":6597,"intents":[{"intent":"Confirm policy","confidence_score":0.0012547714}]},{"text":"how and the fees come out of my super, Yep.","start_word":6628,"end_word":6637,"intents":[{"intent":"Discuss fees","confidence_score":0.18915609}]},{"text":"So the projection that we just went through, that is including these insurance premiums being deducted. Oh, okay. Yep.","start_word":6658,"end_word":6676,"intents":[{"intent":"Consider deducting premiums","confidence_score":0.00041879987}]},{"text":"As we kinda went through before, all our recommendations are are made under best interest duty.","start_word":6708,"end_word":6723,"intents":[{"intent":"Review recommendations","confidence_score":0.016094344}]},{"text":"We also have the advantages, the disadvantages, and the risks involved so you can run your eyes over all of that, just making sure that you're aware that you're making the decision while being fully informed.","start_word":6771,"end_word":6806,"intents":[{"intent":"Provide information about policies","confidence_score":0.000054747616}]},{"text":"When it comes to retaining the two platforms, it does remain really good for you.","start_word":6807,"end_word":6821,"intents":[{"intent":"Retain platform","confidence_score":0.0010363631}]},{"text":"When it comes to retaining the two platforms, it does remain really good for you. Obviously, Plum is your employer paid policy. You have the benefit of the death benefit there, and you do have a really good sum insured if anything was to happen.","start_word":6807,"end_word":6851,"intents":[{"intent":"Acknowledge personal information","confidence_score":0.0000028202478}]},{"text":"The portfolio within that has been performing greater, and the two funds when we sort of look at everything is lower cost in fees. So it is really good and does work in your best interest to retain everything. The alterations of portfolio stays you in fees, which is a benefit to you.","start_word":6860,"end_word":6912,"intents":[{"intent":"Discuss benefits of portfolio","confidence_score":0.0076749744},{"intent":"Assist with portfolio preservation","confidence_score":0.00006937399}]},{"text":"And having a greater past performance can put you in a better position the longer the markets work the way they have in the in as in the past.","start_word":6914,"end_word":6942,"intents":[{"intent":"Discuss job performance","confidence_score":0.17469278}]},{"text":"So it is really important that we do review those insurances.","start_word":7003,"end_word":7013,"intents":[{"intent":"Review coverage","confidence_score":0.03521002}]},{"text":"These insurances are stepped premiums, so they will get more and more expensive as you get older as the risk of you making a claim increases. So we will review Yep.","start_word":7014,"end_word":7044,"intents":[{"intent":"Review insurances","confidence_score":0.2821364},{"intent":"Discuss stepped premiums","confidence_score":0.012058037}]},{"text":"You are absolutely fine, Ben. Don't ever hesitate. Just, you know, let me know what it will I'm sort of working this towards what you need because I know we are running a bit low on time. So yeah.","start_word":7225,"end_word":7263,"intents":[{"intent":"Discuss work schedule","confidence_score":0.00023363373}]},{"text":"So we do have an authority on that policy with MetLife now. The only downside is they make us email everything. So it takes sometimes about four to five weeks for them to reply back to us, but Yeah.","start_word":7295,"end_word":7333,"intents":[{"intent":"Provide information on policy","confidence_score":0.00014928423}]},{"text":"So we did ask them to provide a quote to increase the policy.","start_word":7342,"end_word":7354,"intents":[{"intent":"Request quote","confidence_score":0.10592965}]},{"text":"Essentially, at the moment with the employer paid MetLife policy, you're not paying anything additional for that. It is paid by your employer.","start_word":7414,"end_word":7436,"intents":[{"intent":"Describe policy benefits","confidence_score":0.00093834876}]},{"text":"So they'll deduct that out of your wages if that's the way you wanna go.","start_word":7654,"end_word":7668,"intents":[{"intent":"Deduct wages","confidence_score":0.34848043}]},{"text":"So it is an application to fill out. If you wanna go ahead with the increase, we will help you as much as we absolutely can. We'll email them, let know you that you wanna go ahead with it, try and get the paperwork sent through, and help you to fill it out.","start_word":7748,"end_word":7800,"intents":[{"intent":"Fill out application","confidence_score":0.6034554}]},{"text":"Essentially, they will go through underwriting to assess any changes to your health. If there is anything that they assess as higher risk, there could be loadings and or exclusions aligned to the policy. But from Yep.","start_word":7801,"end_word":7837,"intents":[{"intent":"Assess health changes","confidence_score":0.09025447}]},{"text":"everything we can see, there's really nothing. You're pretty healthy, so there doesn't seem to be any red flags that I would see at the moment as being an issue. But, essentially, increasing that cover significantly and adding the SDC contributions on there in the event that you're not able to go to work and paying that $123.82 per month out of your income to increase that, doesn't seem like too bad, Nadia. Okay.","start_word":7838,"end_word":7911,"intents":[{"intent":"Verify eligibility","confidence_score":0.00010394272}]},{"text":"have you sort of assessed that, you a hundred and twenty three months was somewhere around $1,500 a year?","start_word":7951,"end_word":7969,"intents":[{"intent":"Express awareness about cost","confidence_score":9.298434e-8}]},{"text":"The increase in this on a month like, paying the extra on a monthly basis to increase the amount of cover that you're able to get is definitely worth while and including the employer contributions in the super absolutely.","start_word":8015,"end_word":8053,"intents":[{"intent":"Increase cover and include employer contributions in super","confidence_score":0.00036845714}]},{"text":"Minimizing that shortfall is gonna provide a greater benefit for your family.","start_word":8139,"end_word":8150,"intents":[{"intent":"Minimize shortfall and provide greater benefit for family","confidence_score":0.050630722},{"intent":"Provide benefit for family","confidence_score":0.021990849}]},{"text":"But every year when we do annual reviews with you, we'll keep reviewing the policy the same as the other insurance policies and keep making alterations as we can and as we need to. But yeah.","start_word":8357,"end_word":8392,"intents":[{"intent":"Review policy and make changes","confidence_score":0.113778315}]},{"text":"It's a good benefit. We were stoked that they were able to give us the information. It did take Yep.","start_word":8395,"end_word":8414,"intents":[{"intent":"Explain benefits","confidence_score":0.039873797}]},{"text":"We were stoked that they were able to give us the information. It did take Yep.","start_word":8398,"end_word":8413,"intents":[{"intent":"Provide information","confidence_score":0.2938105}]},{"text":"We did, but it is it's still better to do it within MetLife. So we had a look Yep. at other options there. It's way more expensive to get income protection through any other provider.","start_word":8545,"end_word":8579,"intents":[{"intent":"Discuss options","confidence_score":0.031718764}]},{"text":"The only other question I or thing of note, in the middle of this year, Mhmm. my you know how this is this is covered under ExxonMobil. So Yep.","start_word":8640,"end_word":8668,"intents":[{"intent":"Clarify coverage coverage","confidence_score":0.033387613}]},{"text":"Around the middle of this year, that's gonna be changing and Woodside's gonna now become the operator. As far Okay.","start_word":8734,"end_word":8753,"intents":[{"intent":"Clarify confusion about change in company name","confidence_score":7.4547194e-7}]},{"text":"I'll read through, you know, as much of this documentation as as that you've sent If me you as can.","start_word":8838,"end_word":8857,"intents":[{"intent":"Provide documentation for insurance","confidence_score":0.0038012362}]},{"text":"On the very last page, if there's anything that you wanna hold off on or any part of the advice that you choose you don't wanna proceed with, on the last page, Yeah.","start_word":8903,"end_word":8935,"intents":[{"intent":"Recommend holding off on advice","confidence_score":0.0039097206},{"intent":"Commit to keep off on certain sections","confidence_score":0.0000036557567}]},{"text":"need to add that little statement just in on that authority to proceed with the sections that you wanna hold off on, or not proceed with just so we have that as a record because the the advice remains appropriate as it is.","start_word":9004,"end_word":9046,"intents":[{"intent":"Provide clarification on section status","confidence_score":0.00031097204}]},{"text":"the changeover as far as we've been told is meant to happen, you know, sort of June. Yep. So if we were to make, like, even if I was to say yes and sign up to this policy, I would imagine it's probably gonna take four to six weeks for all the paperwork to get done and for it to come into Yeah. effect.","start_word":9115,"end_word":9178,"intents":[{"intent":"Assist with policy change","confidence_score":0.001925038}]},{"text":"I am making a recommendation that we make sure all of your beneficiaries are up to date.","start_word":9439,"end_word":9455,"intents":[{"intent":"Make recommendations on beneficiaries","confidence_score":0.0006229606}]},{"text":"The next one said there wasn't one. So I'm not sure if there is or isn't on the Plum Super account, but we're gonna make sure all your beneficiary nominations on Plum Super Hub twenty four and with your life policy with the sender if you decide to go that way are all updated. Finding, non lapsing, nominating a 100% to your partner.","start_word":9474,"end_word":9536,"intents":[{"intent":"Inform about company affiliation","confidence_score":0.0000071304366}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Ben. It's Dana from Ophiuch Financial. How are you this afternoon?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.2411128729581833},{"text":"Good day, Andrew. And yourself? I'm very well. Thank you.","start_word":13,"end_word":22,"sentiment":"positive","sentiment_score":0.5962812304496765},{"text":"I had you booked in to go through your updated device document. Is now still a good time there for you? Yeah. Yeah. That's fine.","start_word":23,"end_word":47,"sentiment":"neutral","sentiment_score":0.292096883058548},{"text":"Yep. Fantastic.","start_word":48,"end_word":49,"sentiment":"positive","sentiment_score":0.4773533046245575},{"text":"Do you happen to have access to your emails there as well? Yep. Yep.","start_word":50,"end_word":63,"sentiment":"neutral","sentiment_score":0.1886896789073944},{"text":"Beautiful. I'm just gonna send these emails through to you via email.","start_word":64,"end_word":75,"sentiment":"positive","sentiment_score":0.3980827331542969},{"text":"If you wanna pop in there and open that one up for me, then we can kinda go through it.","start_word":76,"end_word":95,"sentiment":"neutral","sentiment_score":0.31632786989212036},{"text":"That way you can see the document as I'm going through it to make it easier on yourself there.","start_word":96,"end_word":114,"sentiment":"positive","sentiment_score":0.3789536952972412},{"text":"Ben, before Yep. we jump into the call properly as well, just to let you know, we do record our calls for quality and training purposes moving forward. Are you happy for me to proceed with that? Yeah. That's fine.","start_word":115,"end_word":154,"sentiment":"neutral","sentiment_score":0.1476592868566513},{"text":"Lovely.","start_word":155,"end_word":155,"sentiment":"positive","sentiment_score":0.5071841478347778},{"text":"And I do need to do security day with you as well. I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Sure. So Benjamin Heath Yeah. Parker, Yep. the 10/12/1982, Yep. and Number 9 Cloud Street, Martha Street, Perfect. Victoria. Yep. Perfect.","start_word":156,"end_word":209,"sentiment":"neutral","sentiment_score":0.10799499601125716},{"text":"Thank you so much for that.","start_word":210,"end_word":215,"sentiment":"positive","sentiment_score":0.5130154490470886},{"text":"I've just sent those emails sorry. The email through to you there. Hopefully, it pops through fairly quickly. Your email, I've Yeah. gotparkasolutions@hotmail.com. There's been no changes there at all? No. That's still the same No? one. Perfect. Lovely. Thank you for that. Sorry. I'm just parking my No. That's okay. You're absolutely fine. I've just opened up my emails. Just trying Perfect. to see. It should come through I think it says my name on there, so Dana Taylor, and it Oh, should come through from OdooSign. yeah. Here we go. Yep. Perfect. Yep. Statement of device. That's the one. So on the front there, the statement of advice has been prepared for yourself, Benjamin Parker, there as of today yesterday's date, sorry, the 03/04/2026.","start_word":216,"end_word":341,"sentiment":"neutral","sentiment_score":0.05108021777714529},{"text":"It's insane. The year is flying by already. Will be at Christmas again in no time.","start_word":342,"end_word":357,"sentiment":"negative","sentiment_score":-0.4295315146446228},{"text":"Yep. On the bottom there, it has been prepared by myself, Dana Taylor, and my authorized representative number is 13043 Yep. 94. Okay? If Alright. you scroll So forward now sorry. You're right. no. No. I'm sure you're about to say what I was gonna ask. Just which document I'm looking to open first. So the first one there is the statement of advice. So when you open the email there, it should have a little button that says sign. If you click on that, it takes you forward so you can move through the document there, but it doesn't ask you Mhmm. to sign anything straight away. So you don't have to sign anything until after you've read it through. Okay. Yeah. I've just clicked on that statement and pause, so it's just Yep. opening me up. That's okay. Yep. That's not a problem at all. Oh, yep. That's open. Yep.","start_word":358,"end_word":509,"sentiment":"neutral","sentiment_score":0.04863036423921585},{"text":"Perfect.","start_word":510,"end_word":510,"sentiment":"positive","sentiment_score":0.3461598753929138},{"text":"Okay. So as you are scrolling past the first page there, the next page does basically note down that all the advice is provided under best interest duty, which is part of the corporations. That's just about just making sure that we know what your goals are, what your circumstances are to the fullest extent to make sure any advice provided is in your best interest and there to help you meet your goals. Okay? Yep. Yep.","start_word":511,"end_word":587,"sentiment":"neutral","sentiment_score":0.15449805557727814},{"text":"Beautiful.","start_word":588,"end_word":588,"sentiment":"positive","sentiment_score":0.4524759650230408},{"text":"Scrolling forward to page number three, and this is just running you through the areas that this advice is touching on. So scoping in and scoping out. We've got here superannuation. So we're working towards your goal of being able to hopefully retire at the age of 60 there. You wanted a comfortable lifestyle. You still have a lot of time on your side before we reach that goal, but we are working towards that with this advice document and any thereafter. Okay? Okay. We've also scoped in sorry. You're right? Yeah. I'll just quickly mention I know we've got about an hour, I think. So Yeah. I'm just I'm currently parked at the front of my kid's school. So at Okay. about three at about 03:25. I don't know. Sorry. What time is it there? It's 01:30 here. So it's 02:30 in New South Wales and Victoria. Yeah. Okay. So, yeah, basically, at about 02:25 your time, I'll I'll need to jump off this call. That's all. Okay. If No. we're That's still going at that time. that's okay. I what I'll do is I will just kinda go through things a little bit faster than I would, and then you I'll just have some of the points where I sorta have to to make it easier on you. Yep. And then I can let you go back and you can read it through, and then you can always come back and let me know if there's any additional questions or anything. Is that okay?","start_word":589,"end_word":844,"sentiment":"neutral","sentiment_score":0.11995621045934968},{"text":"Is it making it a bit easier for you?","start_word":845,"end_word":853,"sentiment":"positive","sentiment_score":0.33637699484825134},{"text":"Yeah. Yeah. That's fine. Yeah.","start_word":854,"end_word":858,"sentiment":"neutral","sentiment_score":0.2592775523662567},{"text":"Oh, good. Not a problem at all. This Thanks. that's okay. It's not a problem at all.","start_word":859,"end_word":875,"sentiment":"positive","sentiment_score":0.47211435437202454},{"text":"If anything comes up, you go, Dana, I have to go. It's not an issue. We can always come back and and have another conversation. Okay. Okay. Easy. The rest of the scoping section there, so we have looked at insurances. Obviously, that is part of you do have your insurances employer paid in Plum Super Day. You've also got your employer paid income protection policy. We were able to get some information around those policies, and we were also looking at some TBD cover because it's something that you don't have but wanted to look at getting.","start_word":876,"end_word":973,"sentiment":"neutral","sentiment_score":0.2214963436126709},{"text":"So I have made some recommendations around those for you.","start_word":974,"end_word":983,"sentiment":"positive","sentiment_score":0.36912885308265686},{"text":"Okay. We're also looking at the estate planning side of things and making sure that beneficiary nominations are up to date. You wanted to make sure if anything happens that your beneficiaries were all covered, that in the event of passing prematurely, touch wood, it never happens, that all the funds are paid to your wife as you continue to look after your family. Okay? Yep. Scoping out areas of trauma. So it's an additional insurance policy paid out of your back pocket. You didn't really wanna look at that for the time being, and that's absolutely okay.","start_word":984,"end_word":1081,"sentiment":"neutral","sentiment_score":0.16727168751614435},{"text":"We can look at that down the track.","start_word":1082,"end_word":1089,"sentiment":"positive","sentiment_score":0.3541280925273895},{"text":"And you were also focusing on paying down your mortgage as quickly as possible there. So, again, we've scoped out that area for now, but it's down the track.","start_word":1090,"end_word":1118,"sentiment":"neutral","sentiment_score":0.2293289452791214},{"text":"If you track, if you want a cash on budgeting advice, we can absolutely help you as well.","start_word":1119,"end_word":1136,"sentiment":"positive","sentiment_score":0.3944186568260193},{"text":"Okay? Yep. To make it easier on you, if I can get you, sorry, to scroll down for me, just to page number 12. This is essentially running through the the start of the recommendations, and I'll take you through from here. Okay. The heading there for you, Ben, should say strategy recommendations. Yep. That's alright. Yep.","start_word":1137,"end_word":1193,"sentiment":"neutral","sentiment_score":0.13157537579536438},{"text":"Perfect. Perfect.","start_word":1194,"end_word":1195,"sentiment":"positive","sentiment_score":0.5083887577056885},{"text":"So I did go back and do some really good in-depth research around Pumpsilba for you to understand what the product is. It is an employer policy and really understand in-depth about the insurance that you do hold in there. Read the PDF from cover to cover as well for you. We are making a recommendation again that we do remain to keep your plumb super. When I did speak to them, the insurance policies within plumb, they are employ or it's death death only, so life only. It doesn't have a TBD component attached to it. But, essentially, when I was able to do the research with them, it is an employer paid policy. So your employer is making contributions to cover the cost of the insurance premiums on your behalf, and the amount the employer pays for that PlumSafe account towards your well, I consider them concessional contributions. So it does go towards your contributions cap there. But, essentially, Okay. your your employer does pay for the insurances. And when I had a really good look at the fee structure, the plum fee structure wasn't too bad at all for that scenario. So I am recommending that we do retain that for the time being. Keep your contributions going into plum and hold the debt cover within that. I'm also recommending that we do retain hub twenty four as well. However, I went back and had a really good look at the portfolio, and I am making a recommendation to alter some of the investments within the portfolio, and I'll show you that very shortly. Okay? I'm also recommending that we do still retain a balance in Plum Super of 30,000. I wanna make sure that our team are contacting you every quarter moving forward. We'll double check the balance within the Plum Super there, and anything over that 30,000 is gonna be rolled into hub twenty four. I wanna do this on a quarterly basis for you because your balance is increasing on a much faster rate. Smaller changes in the market are gonna have a bigger effect in your balance, and we have seen some of ups and downs over the past year there. So having Yep. smaller amounts moved from Plum Super into Hub twenty four on a more regular basis means that you're sort of dollar cost averaging a little bit more. So it helps to take advantage of downtimes in the market, and, obviously, it takes advantage of those uptimes Yep. as well. So it's about making sure that we're moving smaller amounts in on a regular basis to take advantage of market reactions whilst keeping enough money in your plum super to retain your insurances and also make sure that we're covering in case that we saw a bit of a downturn. The other side of that is I'm also making a recommendation around the insurance side of things with TBD. So I wanna make sure that Plum Super has enough to cover all your insurance premiums. Okay?","start_word":1196,"end_word":1701,"sentiment":"neutral","sentiment_score":0.17593612571950015},{"text":"Perfect.","start_word":1702,"end_word":1702,"sentiment":"positive","sentiment_score":0.5434212684631348},{"text":"With this one here, if I can get you just to scroll sorry. Scroll down a bit further for me. I'll show Okay. you the changes to the portfolio. So on page number 16 then, I went through and had a really good look at your portfolio, how it was working.","start_word":1703,"end_word":1753,"sentiment":"neutral","sentiment_score":0.1802747547626495},{"text":"You are in a high growth portfolio. You are happy to stay in a high growth portfolio, which is absolutely fine.","start_word":1754,"end_word":1774,"sentiment":"positive","sentiment_score":0.527480959892273},{"text":"And at the moment, in your super fund in Plum, you have a bit over 51,509. So it has been fine to stay at the moment while we've been going through and doing the research because the funds are currently invested. But to make sure that Yep. we do keep just that 30,000 in there for you for the time being, we are gonna move about 21,509 and 32 out of fund and put it into hub twenty four. When we're inside hub twenty four there, I've made some changes. So been along the Australian Equities there, which is the second one down, when I had Yep.","start_word":1775,"end_word":1881,"sentiment":"neutral","sentiment_score":0.08616110682487488},{"text":"a really good look at the portfolio, that has been underperforming for the last couple of months there. So we are making a recommendation to remove that solely from your portfolio.","start_word":1882,"end_word":1912,"sentiment":"negative","sentiment_score":-0.4075798690319062},{"text":"Mhmm. From there, to keep your Australian equities component, we're actually gonna move the money into on the bottom of that same page, you'll see the beta shares Aussie 200, so a 200. We're actually gonna Yep. buy into that, and that's gonna replace the Ben along Australian equities. Essentially, what's happened that we've noticed coming back this year is that Ben along one of the underlying investments within that managed fund.","start_word":1913,"end_word":1984,"sentiment":"neutral","sentiment_score":-0.01253670547157526},{"text":"Corporate Traveler, unfortunately, has been had a bit of an issue late last year. They were kind of being a bit dishonest to the market there. That had been reported to the market with their normal reporting obligations as a public company. And then because Bennelong held them, unfortunately, it meant that Corporate Traveler had to be reevaluated. And then Bennelong, because they still hold them, had to be reevaluated as well. So it meant that Bennelong has now been underperforming. We don't want you to have underperforming funds, so we're gonna remove that out of your portfolio and change the exposure.","start_word":1985,"end_word":2086,"sentiment":"negative","sentiment_score":-0.49111807346343994},{"text":"The Yep. BetaShares Australia two hundred is still giving you exposure to, essentially, the top 200 companies in Australia. The difference here is that the BetaShares Aussie two hundred is more of a passively managed portfolio. The idea of having Benelong was that it was more actively managed there, and Van Along as an investment manager, their role was to try and outperform against the market.","start_word":2087,"end_word":2152,"sentiment":"neutral","sentiment_score":0.06421018053184856},{"text":"They haven't done that.","start_word":2153,"end_word":2156,"sentiment":"negative","sentiment_score":-0.34401965141296387},{"text":"Yep. And when I sort of looked at what they were doing, they haven't been actively managing their portfolios at all.","start_word":2157,"end_word":2177,"sentiment":"neutral","sentiment_score":-0.2379816621541977},{"text":"They haven't been buying and selling or maneuvering anything there.","start_word":2178,"end_word":2187,"sentiment":"negative","sentiment_score":-0.3447476327419281},{"text":"They kind of have been holding steady on what they believe is correct. So because Yep.","start_word":2188,"end_word":2203,"sentiment":"neutral","sentiment_score":-0.24615706503391263},{"text":"it's underperforming, it's not doing you any favors. It's time to remove that app.","start_word":2204,"end_word":2217,"sentiment":"negative","sentiment_score":-0.6241100430488586},{"text":"The beta shares Aussie 200 still giving you access to Australian shares. It's still giving you access to the top 200 companies on the ASX.","start_word":2218,"end_word":2242,"sentiment":"neutral","sentiment_score":0.25235220789909363},{"text":"And one of the good things about this sort of investment is there's a certain criteria to be in the Aussie 200, the top 200 companies.","start_word":2243,"end_word":2268,"sentiment":"positive","sentiment_score":0.41272151470184326},{"text":"So when a company falls out of being in that top 200, that means within the beta shares Australia 200, that company is removed as well.","start_word":2269,"end_word":2294,"sentiment":"neutral","sentiment_score":0.2382209599018097},{"text":"So you don't have to have that underlying active management to still get good returns. It's just about making sure you still have the right asset allocation, but that we're not paying too much. And the management fees, the beta shares Aussie 200 is actually cheaper than Bannalung. So we've been able to maneuver the portfolio, remove underperforming investments, put you keep your exposure working the same way for you, and also make sure we kind of reduce the fees a little bit for you as well.","start_word":2295,"end_word":2381,"sentiment":"positive","sentiment_score":0.4633084535598755},{"text":"Does that make sense? Yeah. It does. So is the BetaShares Australia 200, that's similar to Vanguard's. Yeah. Is it? Yeah. Alright. Yeah. Very similar. They track the top 200 companies on the ASX. Okay. What's the difference between the Australia 201 directly above it that's got the code q o zed? Because they both The seem queue to up. be Australia 200, so we're doubling Yeah. up. It is it is giving you exposure to the top 200 companies. It's not so much doubling up because we have we've changed the exposure levels in there.","start_word":2382,"end_word":2477,"sentiment":"neutral","sentiment_score":0.03982241451740265},{"text":"Essentially, the a 200 gives you more of an income producing, so they actually pay really good dividends.","start_word":2478,"end_word":2495,"sentiment":"positive","sentiment_score":0.48880502581596375},{"text":"But between the two, you're not overexposing. You're not doubling up in any way, shape, or form. The beta shares Rafi 200 does track the top 200 companies, but there is some changes. They also track some of the short some of the lower two sorry. Some of the lower 200 as well. So they look at the what's the biggest companies in Australia on the ASX. They're also giving you a little bit more diversification over different areas. When we Yep. look at what they're invested in, the two comp the two investments alone is not overexposing you in any way, shape, or form.","start_word":2496,"end_word":2600,"sentiment":"neutral","sentiment_score":0.1779966950416565},{"text":"It's about giving you diversification, but the beta shares a 200 actually gives you higher dividends, which is probably really good as well.","start_word":2601,"end_word":2623,"sentiment":"positive","sentiment_score":0.5269791483879089},{"text":"So between Okay.","start_word":2624,"end_word":2626,"sentiment":"neutral","sentiment_score":0.28918367624282837},{"text":"the two of them, it's giving you good exposure. It's giving you diversification.","start_word":2627,"end_word":2639,"sentiment":"positive","sentiment_score":0.43273961544036865},{"text":"We're definitely not overexposing in any way, shape, or form or doubling up too much. It's just about making sure you've got a good a good range of assets in there. Okay. Alright. Cool.","start_word":2640,"end_word":2673,"sentiment":"neutral","sentiment_score":0.24560318887233737},{"text":"Yeah. Perfect.","start_word":2674,"end_word":2675,"sentiment":"positive","sentiment_score":0.3946506083011627},{"text":"You will also see we do still have the China new economy. Still just keeping that in there for you. It hasn't been performing too badly. Physical Gold has been doing extremely well. I don't know if you've been watching that in any way, shape, or form, But physical Yes, gold has sir.","start_word":2676,"end_word":2728,"sentiment":"neutral","sentiment_score":0.15000149607658386},{"text":"done very, very well, so we're keeping that in there for you.","start_word":2729,"end_word":2740,"sentiment":"positive","sentiment_score":0.4651770293712616},{"text":"We are rebalancing the portfolio, so you will see us just selling some of those investments down a little bit. It's just by bringing you back into line so you're not overexposed or, you know, taking on too much risk in any way. Yeah. We also still keep the BetaShares cybersecurity. The S and P 500 is the top 500 companies within The US there, and we've also got the Fair Neck Australian property keeping that in there for you as well. The other one we are looking to remove is the BetaShares Bank hybrids there. So that's the third one down from the top. That one there is bank hybrids have sort of more of a complex investment. They work very similar to bonds where you're purchasing some investments within the top four banks.","start_word":2741,"end_word":2875,"sentiment":"neutral","sentiment_score":0.1510165880123774},{"text":"Bank hybrids have been quite good because they act like shares where you can trade them and they do get additional growth.","start_word":2876,"end_word":2897,"sentiment":"positive","sentiment_score":0.3801113963127136},{"text":"However, they are more of an income producing asset. They have been seen as lower risk over the last couple of years, and like bonds, they tend to pay coupon or interest payments, which is really cool. However, the government are choosing to phase those out over the next couple of years there. So we're taking the advantage whilst we are reviewing your portfolio to remove those now before we have to, and then the additional will be distributed between the other investments there. And on the next page, you'll see we're also keeping the iShares core composite bond there. So we're buying a bit more into the core into buying into the core composite bond to give you some bond exposure to keep your defensive side of your allocation. Does that make sense? Okay. Yep. Yep.","start_word":2898,"end_word":3034,"sentiment":"neutral","sentiment_score":0.17631521821022034},{"text":"So, basically, Perfect. that's act that's acting as a good security user.","start_word":3035,"end_word":3046,"sentiment":"positive","sentiment_score":0.3810254633426666},{"text":"Yeah. Yeah.","start_word":3047,"end_word":3048,"sentiment":"neutral","sentiment_score":0.24177147448062897},{"text":"Perfect.","start_word":3049,"end_word":3049,"sentiment":"positive","sentiment_score":0.355339378118515},{"text":"Yeah.","start_word":3050,"end_word":3050,"sentiment":"neutral","sentiment_score":0.27511078119277954},{"text":"Yep. It's good to have some defensive assets in there, and core composite bonds are really good. It's giving you access to not only government banking bonds. It's giving you access to a good diversification there. Bonds do tend to get a lower rate of return. They are seen as lower risk, but they're good for income producing, like having dividends paid out of your shares. You wanna have income that's coming into your portfolio. It goes into your cash account, gets reinvested into your portfolio, and it helps the, you know, compounding, buying back into those investments whenever you can and compounding over the longer term.","start_word":3051,"end_word":3157,"sentiment":"positive","sentiment_score":0.4467238485813141},{"text":"Okay.","start_word":3158,"end_word":3158,"sentiment":"neutral","sentiment_score":0.25395119190216064},{"text":"Perfect. All good.","start_word":3159,"end_word":3161,"sentiment":"positive","sentiment_score":0.4015718996524811},{"text":"If you keep scrolling down there for me, you'll see this proposed asset allocation. So at the moment, within a high growth asset allocation, you generally see sort of 90% in growth assets and 10% in defensive assets. Sorry. If I keep pausing on you, I do apologize. I've got the hiccups this afternoon. I'm so sorry. No. It's okay. Your existing portfolio shows you have about 93.19% in growth investments and then about six Yep. point 81% in defensive investments there. Okay? With the proposed changes that we've made above there, essentially, we would see your growth investments increasing slightly to 9494.85%, and then we're just decreasing your defensive investments a little bit to about 5.15% there. So it's increasing your growth investments a little bit, decreasing the defensive. It's keeping you still in line with what we need to have with regard to your asset allocation, and it's also making sure that you're not paying a lot in fees. If Yep. you then move down to the next document, this is essentially showing the pay fee sorry, fee comparison table. Sorry about Yep. that. At the moment, within the hub twenty four and the plum, you've got your two balances at the very top there, and you are paying administration fees and investment hub twenty four, and your contributions are going in, and your insurance premiums are just being paid out at the plum super currently with your employer contributions with with the employer's contribution. You are in a growth portfolio between the two as per the previous asset allocation, but when we looked at the last three years and how that portfolio has averaged the return, Normally, it's and, look, it's different to what you can get. This is sort of looking at the asset allocation and what the portfolio has done, but we understand that what you're gonna get might be very different to what the portfolio has done. But between the two Yep. funds, it's averaged about 12.97% on a yearly basis over the last three years.","start_word":3162,"end_word":3503,"sentiment":"neutral","sentiment_score":0.0943298377096653},{"text":"With the way we are making the recommendations and altering the portfolio, it's still giving you the high growth allocation, and the portfolio has averaged about 16.6% over the last three years. So it has averaged a higher a higher return, which is great. And if you look at the very top there with your administration fees and investment fees, it's actually saving you a little bit there. So with regard to admin fees, once we've done the rollover, left the 30,000 there in plum, we can see that we can save you on the first year about $18 in administration fees.","start_word":3504,"end_word":3605,"sentiment":"positive","sentiment_score":0.4394561052322388},{"text":"Doesn't seem like a lot.","start_word":3606,"end_word":3610,"sentiment":"neutral","sentiment_score":-0.12537507712841034},{"text":"However, when you consider the compounding effect, it can be quite significant. And with the Yeah. newer portfolio, it also saves you roughly $971 in administration fees for the first year as well. So the newer portfolio is gonna be cheaper as well.","start_word":3611,"end_word":3653,"sentiment":"positive","sentiment_score":0.5313573479652405},{"text":"Okay. Yep. Do you have any questions so far? No. Not yet. Yeah.","start_word":3654,"end_word":3666,"sentiment":"neutral","sentiment_score":0.07527405023574829},{"text":"Perfect.","start_word":3667,"end_word":3667,"sentiment":"positive","sentiment_score":0.4247586131095886},{"text":"The ongoing service fee is also in the account there on the hub 24 that stays applicable. Just so you are fully aware, it is 1.65% per annum. We do cap it at 909,000 on a yearly basis. So once your balance gets 600,000 within the hub, we cap the fee. We don't charge 1.65% of, say, a million dollars. That will cap at some point, which we hope will be very soon for you.","start_word":3668,"end_word":3742,"sentiment":"neutral","sentiment_score":0.1408778727054596},{"text":"Your contributions, I still want to go into Plum Super to keep that going.","start_word":3743,"end_word":3756,"sentiment":"positive","sentiment_score":0.4908097982406616},{"text":"And as I said, we will just sort of touch base every quarter with you, have a look at what's in the plum sleeper, and roll funds over when we need to to make sure you retain that $30,000 balance and with dollar cost averaging in the hub 24. Okay? Yeah. Sorry. That contribution per year, Yep. That's is that net. the Yep. sorry? That's net. So So that's after the taxes. that alright. That's Mhmm. the employer contribution, is it? Yes. Yep. Correct. Yep. So And that's the net. So it's after the 15% tax is taken out. alright. So if Yep. if I wanted to go up to my what is it called? The concessional cap. Mhmm. So what? I've got maybe somewhere around $88 that I could go extra in there, couldn't I? Yes. I would be very careful, though, because one thing you did make mention to me is that you do get like, this is basing it off the, your base income. I would just need to double check that you're like, to see if there's any additional contributions going in, and you are due to get, hopefully, a pay rise soon as well, so your pay could increase. What I'd probably Yeah. wanna have a look at is if you have any catch up contributions to any cap space over the last couple of years that we could maybe utilize to maximize that if you wanted to make additional contributions, and your myGov Yep. will give you an idea of what your cap space looks like. So before adding additional, I'd be very careful doing that. This is obviously giving you a conservative projection side of things by utilizing just the base, but I Yep. would be very careful adding additional contributions because when we sort of look at everything, you are quite close to the cap. So I would definitely be checking in myGov prior to making anything additional. Alright. Maybe we'll make that Yeah. another conversation. I know you guys Yeah. I work with at but they're all extremely conscious of what they've answered the year. Yeah. Yeah. Because what what's it called? There's something I know there's a a rule or a law or something. If you go over over a certain amount, you get taxed Yep. like a maximum tax rate. Yeah. Correct. It's the con the concessional cap. So the concessional contribution cap for this year is 30,000 per financial year. Yep. But if your income's been sort of going up and you have cap space in the last five years, we could utilize your catch up contributions if you wanted to go into your myGov. I can even send you an email and direct you through how to find the catch up contributions. But if you Yep. wanted to grab those for me, I could have a look at them, and we could always have chat about making some additional contributions if that's what you wanted to do as well. Yeah. Okay. Yep. Yeah. I'll have a I'll if you can send that email with the instructions Yeah. so I can at Yeah. least get the figures. And then from Yeah. there, you know, we can also look at whether I'd need to do that with our current, you know, trajectory. Yeah. Yeah. So And I've actually got that for you. If you if you wanna scroll down because to the next page, you can see what that looks like. oh, yeah.","start_word":3757,"end_word":4340,"sentiment":"neutral","sentiment_score":0.07111024438110117},{"text":"Cool.","start_word":4341,"end_word":4341,"sentiment":"positive","sentiment_score":0.5116801261901855},{"text":"Projected balance. Yeah. Sorry. This looks very different to the last sort of advice documents that you would have seen. We've kinda Yeah. broken everything up a little bit there, and this is why I wanted to have sort of a not sort of over have more of a conservative rate of return for you in this portfolio. Because looking at things like if you if the portfolio works the way it has over the next sort of five to ten years, you can sort of see where you where you're on trajectory to end up. In saying that, that high growth portfolio within this projection table, that is right up in over the next ten years. But anytime in the next ten years, you might ring me and go, hey.","start_word":4342,"end_word":4472,"sentiment":"neutral","sentiment_score":0.09492819756269456},{"text":"I'm not comfortable being in a high growth portfolio.","start_word":4473,"end_word":4481,"sentiment":"negative","sentiment_score":-0.48313456773757935},{"text":"I wanna maybe pull back a little bit and be a bit more conservative. So with that ten years somewhere, we may start reducing it back a little bit. So whilst, Yeah. I can you know, I don't I can guarantee that won't happen? you're you're happy?","start_word":4482,"end_word":4528,"sentiment":"neutral","sentiment_score":-0.16341423988342285},{"text":"You feel a bit more risky?","start_word":4529,"end_word":4534,"sentiment":"negative","sentiment_score":-0.3888810873031616},{"text":"Yeah. Yeah. Yep.","start_word":4535,"end_word":4537,"sentiment":"neutral","sentiment_score":0.07991448789834976},{"text":"Perfect. But, I mean, with your balance at where it is at the moment and with your contributions going in and how everything is looking for you at the moment, you are pretty well on track to hit a pretty decent figure.","start_word":4538,"end_word":4579,"sentiment":"positive","sentiment_score":0.4522152841091156},{"text":"I would sort of be looking forward. In my eyes, I sort of focus on the next five years because you are still very young. Things can definitely change, and we do know in a high growth portfolio, we do expect a negative year to come about at least once in the next sort of six years depending on how markets go. So I sort of focus mostly on this next sort of five years hoping that's where we're sort of heading. That's where I'd like you to be in the next five years, and we'll talk about, you know, keep reviewing things to make sure you're on track to sort of hit that figure.","start_word":4580,"end_word":4694,"sentiment":"neutral","sentiment_score":0.024025386199355125},{"text":"If we can get you there to the next ten years and have over 2 mil, great.","start_word":4695,"end_word":4711,"sentiment":"positive","sentiment_score":0.5439402461051941},{"text":"But I don't have a bank on that because I understand markets go up and down. They have different reactions, and I don't expect you to end up getting 16.6% every single year. This is how this Yeah. portfolio has reacted every year when we do the research, but I'm honest and I'm open to let you know I don't expect you to get that return every single year. I do know some years you might get 25%. Other years, you might only get a 4% return. You'll have a negative return somewhere in there as well, and then maybe, like, a 10 or 15% return. The markets do go up and down, and the return varies every year, but we wanna take advantage of those ups and downs. And when we are seeing a bit of a dip, putting a bit of money in there and making sure we roll some money from Plum Super in the hub to take advantage of those downtime. So Yep. I Yep.","start_word":4712,"end_word":4880,"sentiment":"neutral","sentiment_score":-0.08320838133611623},{"text":"like to be open and honest with you and let you know this is a projection. It's a beautiful projection, but I'm a realistic adviser as well.","start_word":4881,"end_word":4907,"sentiment":"positive","sentiment_score":0.4653426706790924},{"text":"So Okay. So that what you Yep. just mentioned about rolling money over from, obviously, with the current military thing going on in Iran, now is one of those Mhmm. opportune times to to do that. Is that correct? Yep. Yeah. Absolutely. Absolutely. Having a bit of a look at where people are you know, where the analyst is sort of projecting things to go this year with what's happening at the moment, on Monday was probably the the biggest time to see the the expectation of a dip with the military action over the course of the weekend. But when we came in on Monday, there was a slight dip first time in first thing in the market, and then we saw it sort of come back. It was a bit volatile throughout the day, but by the end of the day, it had kinda come back and and recovered nicely. So we do expect with what's happening in Iran and with the military actions that we are gonna see those ups and downs, but that's why we also have a bit of gold in your portfolio. Because when equities aren't gonna do so well, people tend to move money into gold. And gold, I believe, last year, at the end of last year, ended at, like, a thirty year high. So it was a Yeah. it's It's pretty crazy at the massively moment. up there. Yeah. Even when we sort of look at what happened this year in February, gold took a massive dive in one day. It was down between 11 to 18%. But then the next, you know, day or two, it kinda came back and made a nice big recovery, and now it's higher than it was prior to that dip.","start_word":4908,"end_word":5203,"sentiment":"neutral","sentiment_score":0.09171623331368776},{"text":"So gold is definitely a bit of a safe haven. It's def it's a growth asset, but it acts defensively because of the way we utilize it in portfolios.","start_word":5204,"end_word":5232,"sentiment":"positive","sentiment_score":0.4253254234790802},{"text":"And Yep. I had a bit of a look at what the analysts are predicting there, and they don't see gold having a huge downturn this year. They're kind of expecting it to continue to steady up. So, you know, they're sort of projecting really good things for majority of the year, but I do think we're gonna see a bit of volatility in there.","start_word":5233,"end_word":5297,"sentiment":"neutral","sentiment_score":-0.02230707556009293},{"text":"So that's why having a bit of gold in your portfolio, having those core composite bonds as a defensive investment as well as that worldwide exposure through those other investments is gonna provide a bit more of a benefit.","start_word":5298,"end_word":5336,"sentiment":"positive","sentiment_score":0.33352893590927124},{"text":"But I do definitely see some, you know, ups and downs with the equities there, and that's why I wanted to make your rollovers a little bit more regularly, sort of once every three months. Even if we're Yep. only rolling over a couple of 100 or a couple of thousand dollars, it doesn't matter. It's about putting regular amounts in so we take advantage of those market cycles. Because I can't tell when the bottom of the dip is gonna happen or when the top of the dip is gonna happen. No one physically can. So it's about making sure we're just putting money in on a regular basis to take advantage of those cycles. Okay? Okay. Yep. Yeah.","start_word":5337,"end_word":5456,"sentiment":"neutral","sentiment_score":0.06873536109924316},{"text":"Perfect. But that's a really cool projection table there.","start_word":5457,"end_word":5465,"sentiment":"positive","sentiment_score":0.633878231048584},{"text":"It is showing you where we're sort of tracking based on what we have with the research there. As I mentioned, I'm kinda focused on that five year side of things at the moment. Let's work on the next five years, and then we get to the five years and we work on the next five years as well. Because, I mean, ten years doesn't feel like a lot of time, but when you look back at what you've achieved over the last ten years, a lot can change in your life, and a lot will change over the next ten years probably as well. Okay? Yep.","start_word":5466,"end_word":5572,"sentiment":"neutral","sentiment_score":0.2037830501794815},{"text":"Yep. Perfect. Hopefully, more pay rises for you. Yeah. Fingers crossed.","start_word":5573,"end_word":5583,"sentiment":"positive","sentiment_score":0.528129518032074},{"text":"Underneath that, it does show you kind of the annualized returns that the different portfolios have been able to receive as as per our research for you as well. Okay? Okay.","start_word":5584,"end_word":5614,"sentiment":"neutral","sentiment_score":0.31623923778533936},{"text":"Yep. Excellent.","start_word":5615,"end_word":5616,"sentiment":"positive","sentiment_score":0.4712933599948883},{"text":"The next page outlines the insurance recommendation. So if you sort of think back to the original projection table, we have sort of noticed in that the insurance premiums within Plum had gone up, and the recommendation for the total that's death and TBD to be about $1,669 deducted for the insurance premiums. And that kinda goes on to this next recommendation. So we sort of talked about how, when we did your annual review, how you have the death cover inside on Super, which is the employer paid policy there, which is great.","start_word":5617,"end_word":5710,"sentiment":"neutral","sentiment_score":0.1369742453098297},{"text":"It gives you a good level of cover in the event that something was to happen.","start_word":5711,"end_word":5726,"sentiment":"positive","sentiment_score":0.33389678597450256},{"text":"However, you didn't have any TBD cover. And I went back and I had a look, and there doesn't seem to be any TBD benefit there. So we discussed applying for and looking at TBD to provide you with a level of cover in the event that you are permanently disabled or not able to go to work. One of the things we talked about was looking at income replacement, making sure you're covering the cost of your mortgage, and we talked about tax side of things as well. So how TPD, in the event of a claim, if you're under the eighty sixty, can be taxed up to 22%, and you wanted to make sure that the mortgage could be cleared free and clear, factoring in the tax component there, and then making sure your super could be paid out on top of that for income replacement. Does that kinda ring a bell? And does that still sound fairly accurate? Yeah. Yeah. It does.","start_word":5727,"end_word":5891,"sentiment":"neutral","sentiment_score":0.05870073537031809},{"text":"Yep. Perfect.","start_word":5892,"end_word":5893,"sentiment":"positive","sentiment_score":0.4904716610908508},{"text":"So I did a little bit of research to find out who would provide a decent amount of TBD and what you actually needed. When we had a look and did the calculation, you needed a bit over 900,000 of TBD to cover your mortgage free and clear tax free.","start_word":5894,"end_word":5943,"sentiment":"neutral","sentiment_score":0.22342289984226227},{"text":"We actually get discounts for every sort of 250,000 of TBD. So I've actually recommended that we apply for $1,000,000 of TBD with a sender, which used to be MLC. They've provided the cheapest rate.","start_word":5944,"end_word":5978,"sentiment":"positive","sentiment_score":0.360632449388504},{"text":"TBD inside Super just hasn't any occupation definition. So in order for you to claim, you just never be need to never be able to go back to work again for any occupation for which you are trained, educated, or have worked, and we just get two doctors, one to be a specialist to sign off on that. You'll probably see on the page here, I've also recommended life cover. That is because when we looked at the research and we looked at TPD, stand alone by itself, the premiums came out between 4 to $8,000 on a yearly basis. When we added life to the policy, it activated a multi policy discount and actually reduced your premiums to about so we got $1,101 or 936 deducted out of your super fund because you get a 15% rebate on the policy.","start_word":5979,"end_word":6119,"sentiment":"neutral","sentiment_score":0.24912886321544647},{"text":"So adding the same amount of life to the TPD, gave you a cheaper premium, gives you more life on top of what you already have, and basically gives you that extra little bit of cover, and it's cheaper.","start_word":6120,"end_word":6158,"sentiment":"positive","sentiment_score":0.4224430322647095},{"text":"Does that make sense? That's insane. Isn't it, though? In the in the appendix, you'll see we've actually screenshotted the different the stand alone options and how much they actually go up in price. Pretty insane, isn't it? That is. One quick question on it then. Sure. If, you know, let's say I did pass the you know, from whatever, Mhmm. Does this does this life insurance policy payout as well as Yep. the life insurance in my super? Yep.","start_word":6159,"end_word":6238,"sentiment":"neutral","sentiment_score":0.004727462120354175},{"text":"Absolutely does. Yep. So you'll get the Yep. extra benefit there. And I'll sort of let everyone know let your partner know that you do have us as your advisers and that you do have the life policy through.","start_word":6239,"end_word":6277,"sentiment":"positive","sentiment_score":0.515072762966156},{"text":"I sort of make it a point of saying, if they don't know about it, then it's hard to make a claim. So in the event that you were to pass away touch wood, nothing happens, however. But if in the event that you were to pass away, at least having your partner know that we're your advisers, that we look after your insurance policy and your super means that they can contact us and we can assist. We do need to always one if you pass, talk to the executive of your state.","start_word":6278,"end_word":6371,"sentiment":"neutral","sentiment_score":0.19165584444999695},{"text":"So as long as that's your partner, it's not a problem at all. We will help with the claim, get all the paperwork sorted, and can also provide advice on how best to structure the money so that it provides a regular ongoing support and lasts as long as possible for them as well.","start_word":6372,"end_word":6425,"sentiment":"positive","sentiment_score":0.4867648184299469},{"text":"Okay. Yeah. Okay. Yep.","start_word":6426,"end_word":6429,"sentiment":"neutral","sentiment_score":0.1389237493276596},{"text":"Perfect.","start_word":6430,"end_word":6430,"sentiment":"positive","sentiment_score":0.36847811937332153},{"text":"I think I But think yeah. that's something quick. We may need Yeah. to Sorry. address at some point. I've we have a will, but it's through the Queensland state trustees. So I think we Yeah. need to address that Yep. very shortly. Yeah. Absolutely. Not a problem at all. So that is essentially the recommendation on the insurance side of things. So as per the very top, we expected this policy, the yearly premium, the first you deducted out of super to be $9.36.","start_word":6431,"end_word":6515,"sentiment":"neutral","sentiment_score":0.11346562951803207},{"text":"You do get a 15% rebate on the policy.","start_word":6516,"end_word":6524,"sentiment":"positive","sentiment_score":0.34502387046813965},{"text":"And so the insurer does receive that 1,101 and 10<unk>. However, you just pay a little bit less. You get a rebate for the tax consequences inside super. And when we add that to the policy that is being paid out of Plumb already, the first year's net premium is expected to be 1,669 as a total. So that's how you get to that recommended figure at the very top there. Okay? Okay. So if if I go ahead with this who is it through? Sorry. It's a send out MLC. So if I go through with this policy with the sender, Mhmm. how and the fees come out of my super, Yep. do we have, like, a projection on how that's gonna affect my my performance in my super going ahead. Yep. So the projection that we just went through, that is including these insurance premiums being deducted. Oh, okay. Yep. Alright. Cool. Yep.","start_word":6525,"end_word":6679,"sentiment":"neutral","sentiment_score":0.05277099606370734},{"text":"Perfect.","start_word":6680,"end_word":6680,"sentiment":"positive","sentiment_score":0.5153417587280273},{"text":"Alright. Well, I think that would probably make sense for us then, wouldn't Yeah. it? Yep. Yep.","start_word":6681,"end_word":6697,"sentiment":"neutral","sentiment_score":0.10359524190425871},{"text":"Definitely. Absolutely. This gives you extra level of cover there.","start_word":6698,"end_word":6707,"sentiment":"positive","sentiment_score":0.39882034063339233},{"text":"As we kinda went through before, all our recommendations are are made under best interest duty. So on each of these pages, under those recommendations, I have noted the best interest duty as to how and why I've made the recommendations for you. Feel free to have a read through all of that. If you find you have any questions, let me know. We also have the advantages, the disadvantages, and the risks involved so you can run your eyes over all of that, just making sure that you're aware that you're making the decision while being fully informed.","start_word":6708,"end_word":6806,"sentiment":"neutral","sentiment_score":0.13664090633392334},{"text":"When it comes to retaining the two platforms, it does remain really good for you. Obviously, Plum is your employer paid policy. You have the benefit of the death benefit there, and you do have a really good sum insured if anything was to happen. So retaining that is preferable.","start_word":6807,"end_word":6856,"sentiment":"positive","sentiment_score":0.3792520165443421},{"text":"We have 24.","start_word":6857,"end_word":6859,"sentiment":"neutral","sentiment_score":0.28189146518707275},{"text":"The portfolio within that has been performing greater, and the two funds when we sort of look at everything is lower cost in fees. So it is really good and does work in your best interest to retain everything.","start_word":6860,"end_word":6898,"sentiment":"positive","sentiment_score":0.5074926018714905},{"text":"The alterations of portfolio stays you in fees, which is a benefit to you.","start_word":6899,"end_word":6912,"sentiment":"neutral","sentiment_score":0.30792632699012756},{"text":"And having a greater past performance can put you in a better position the longer the markets work the way they have in the in as in the past. With the insurances, having the TPD gives that level of cover structuring it so it's inside super is also a benefit.","start_word":6913,"end_word":6962,"sentiment":"positive","sentiment_score":0.46018409729003906},{"text":"So you're not having to pay those premiums out of your back pocket. However, it is important to know as you kinda went through, the premiums coming out of super do have a effect on your time and figure there. So it is really important that we do review those insurances. These insurances are stepped premiums, so they will get more and more expensive as you get older as the risk of you making a claim increases. So we will review Yep. them with you. And as you pay your mortgage down, as your super balance increases, we should be able to decrease the level of cover that you have. Does that all make sense? Yeah. It does. Yeah.","start_word":6963,"end_word":7081,"sentiment":"neutral","sentiment_score":0.03384403511881828},{"text":"Perfect.","start_word":7082,"end_word":7082,"sentiment":"positive","sentiment_score":0.4627091884613037},{"text":"Probably the only other the only other question I've got at the moment. Remember Yeah. how I said my employer, I think it might have been through MetLife, Mhmm. offers a 67% pay coverage should anything happen to me, Yep. and I'm, you know, unable to to perform my job. How Yep. does that sort of factor into all this? Because I think you at the time, you were trying to look into more detail around that. Yep. And I've got that for you here. If you go down to page 26 for me, I'll run you through that now as well. Okay. Was that where you were going next? That's where I'm going next. It's all good. Don't worry. Yeah. Cool. Alright. Sorry. I yeah. I just It's while no. while it's fresh in my head, I wanted to ask. Yeah. You are absolutely fine, Ben. Don't ever hesitate. Just, you know, let me know what it will I'm sort of working this towards what you need because I know we are running a bit low on time. So yeah. No.","start_word":7083,"end_word":7264,"sentiment":"neutral","sentiment_score":0.035888202488422394},{"text":"Honestly, if bring up anything that you possibly have, I love it. It's fantastic.","start_word":7265,"end_word":7278,"sentiment":"positive","sentiment_score":0.4667919874191284},{"text":"Yep. On page 26 there, I did I I was able to get the authority applied. So we do have an authority on that policy with MetLife now. The only downside is they make us email everything. So it takes sometimes about four to five weeks for them to reply back to us, but Yeah. I was able to get the information there. So we did ask them to provide a quote to increase the policy. They'll increase it up to 75% of the income, which is actually more than most income protection policies cover now. Essentially, they'll assess the income once you go through the application, and they may increase it more than what they've been able to tell us, but they're going on what the income was that has been disclosed to them. Essentially, at the moment with the employer paid MetLife policy, you're not paying anything additional for that. It is paid by your employer. For them to increase it sorry. You'll see on that table here, you've got your current income protection policy. This is a yearly benefit, so they break it down into a monthly amount. You're currently covered for about a 122,150 and 9<unk>. With the quote, they're able to increase up to a $154,009.66 and 53<unk>. They're also including 10% employer con SGC, so employer contributions in the super, which at the moment is not on the policy. So we've opted to take the quote that does allow that because it means if you're off working on an income protection claim, they'll be paying something into your super fund as employer contributions, which is really important to keep your super working harder whilst you're off work as well. Yep. Essentially, this policy is owned by your employer, but you're the sum insured. They do say they are set premiums. You do have a ninety day waiting period, and it's an age 65 policy.","start_word":7279,"end_word":7601,"sentiment":"neutral","sentiment_score":0.1356640618652013},{"text":"So you can be on a claim up to the age of 65, which is really good.","start_word":7602,"end_word":7618,"sentiment":"positive","sentiment_score":0.5640069842338562},{"text":"In order to increase this as per the quote, the only amount they expect that you'll pay is a $123.82 per month, and they noted that that is paid by way of salary packaging, so salary sacrifice. So they'll deduct that out of your wages if that's the way you wanna go. I do have the quote in the appendix for you and attached to this doc attached to this email for you so you can have a look at it.","start_word":7619,"end_word":7696,"sentiment":"neutral","sentiment_score":0.15966874599838868},{"text":"It is a very basic quote that they're able to give to us, but increasing this increases it quite significantly.","start_word":7697,"end_word":7716,"sentiment":"positive","sentiment_score":0.3505533039569855},{"text":"And, essentially, if your wage increases, you can continue to increase it along the lines of this. The only kind of downside Yep.","start_word":7717,"end_word":7739,"sentiment":"neutral","sentiment_score":0.1866626888513565},{"text":"is you will have to go through underwriting.","start_word":7740,"end_word":7747,"sentiment":"negative","sentiment_score":-0.4114009439945221},{"text":"So it is an application to fill out. If you wanna go ahead with the increase, we will help you as much as we absolutely can. We'll email them, let know you that you wanna go ahead with it, try and get the paperwork sent through, and help you to fill it out. Essentially, they will go through underwriting to assess any changes to your health. If there is anything that they assess as higher risk, there could be loadings and or exclusions aligned to the policy. But from Yep. everything we can see, there's really nothing. You're pretty healthy, so there doesn't seem to be any red flags that I would see at the moment as being an issue. But, essentially, increasing that cover significantly and adding the SDC contributions on there in the event that you're not able to go to work and paying that $123.82 per month out of your income to increase that, doesn't seem like too bad, Nadia. Okay. So that that fee, is that monthly? Because they're slightly further up in the table. It says it's per annum. Yeah. No. Sorry. That is a typo. It is actually monthly on the quote. Yeah. Okay. Alright. So Yeah. have you sort of assessed that, you a hundred and twenty three months was somewhere around $1,500 a year? Mhmm. How that I'll put this. Like, the the payoff, is it is it worthwhile me doing this? Yeah. Absolutely. At the moment, we're only getting the six to 7% of your income, there's no employer contributions going into super if you're off work.","start_word":7748,"end_word":8013,"sentiment":"neutral","sentiment_score":0.030482033267617226},{"text":"The increase in this on a month like, paying the extra on a monthly basis to increase the amount of cover that you're able to get is definitely worth while and including the employer contributions in the super absolutely.","start_word":8014,"end_word":8052,"sentiment":"positive","sentiment_score":0.5321666598320007},{"text":"Because if anything was to happen, if you were off work, sort of thinking about your circumstances, you know, school fees, everything that you go through, looking at the current income protection amount, it's pretty significantly lower to what you're actually earning. So you might find it a little bit harder to live, might find expenses Yeah. are a little bit tighter. Increasing that as much as you absolutely can, whilst it doesn't increase to a 100%, there's always gonna be a bit of a shortfall. Minimizing that shortfall is gonna provide a greater benefit for your family. And if you're off work for, say, two years, five years, or even up up to sixty five, without those employer contribution sorry. Without those employer contributions, your super is only working on itself. So having Yes.","start_word":8053,"end_word":8187,"sentiment":"neutral","sentiment_score":-0.0874982699751854},{"text":"those employer contributions going into your super, even at, say, 10%, instead of the 12% you get now, it's still better than nothing. It's still helping to keep your super working harder, and it's still providing a benefit for the long term.","start_word":8188,"end_word":8229,"sentiment":"positive","sentiment_score":0.5845014452934265},{"text":"Because with this income protection policy, even if you're off work to age 65, this stops at age 65. So then you've still gotta find a way to live to the next twenty or thirty or forty years of retirement so your super still needs to work for you through those years. Yep. Yep. Yeah. Yeah. Okay. Cool. Yeah. That's basically running through the advantages of this product. The downside is that you are gonna have a little bit less than you pay on a regular basis. The employer paid policy can increase, so it doesn't tell me anywhere. It they tell me it's a set premium. I don't know how much the premium increases by. I was very limited the information I was able to obtain. But every year when we do annual reviews with you, we'll keep reviewing the policy the same as the other insurance policies and keep making alterations as we can and as we need to. But yeah. Look.","start_word":8230,"end_word":8393,"sentiment":"neutral","sentiment_score":-0.024879438802599907},{"text":"It's a good benefit. We were stoked that they were able to give us the information.","start_word":8394,"end_word":8409,"sentiment":"positive","sentiment_score":0.6238760948181152},{"text":"It did take Yep. about five or six weeks to come through, unfortunately. But once we got the quote, I think I was jumping in the air.","start_word":8410,"end_word":8436,"sentiment":"neutral","sentiment_score":0.05528035387396813},{"text":"It's pretty exciting. I was like, this is great. They're actually telling us this information we need, which is really cool.","start_word":8437,"end_word":8457,"sentiment":"positive","sentiment_score":0.7369070053100586},{"text":"So what we'll do is if you decide to go through with it, we'll email them back and let them know you wanna go through. We'll find out what you need to do and try to help you as much as we possibly can with that increase process. Okay? Alright. I've Yep. I've got two more quick things with it then. Absolutely. Did we did we compare this at all to doing this outside of MetLife, increasing that Mhmm. coverage, or is that even Absolutely. a possibility? We did, but it is it's still better to do it within MetLife. So we had a look Yep. at other options there. It's way more expensive to get income protection through any other provider. Your the increased your MetLife was gonna be the cheapest option all around. And the fact that it's Yep. deducted out of your income instead of you having to make the premiums any other way is a lot cheaper. So Yep. it's a Alright.","start_word":8458,"end_word":8623,"sentiment":"neutral","sentiment_score":0.09623915702104568},{"text":"it's a pretty good product, and you've got a pretty good deal there for it.","start_word":8624,"end_word":8638,"sentiment":"positive","sentiment_score":0.6308214664459229},{"text":"Alright. The only other question I or thing of note, in the middle of this year, Mhmm. my you know how this is this is covered under ExxonMobil. So Yep. I work I work for Esso Australia who Yep. is a subsidiary, I guess you call it, of ExxonMobil. Yep. The the facility that I work in and the gas fields and everything that are fed that feed to it are fifty fifty owned between ExxonMobil and Woodside Australia. Mhmm. It's just Yeah. ExxonMobil is the the operator of of Mhmm. those facilities. Yep. Around the middle of this year, that's gonna be changing and Woodside's gonna now become the operator. As far Okay. as I'm aware, we're still waiting on lots of information in regards to this change. But as far as I'm aware, I'll still be getting paid through Esso Australia and their, you know, their ABN. Yeah. Yep. But they will they will now be under Woodside, I guess. So Yeah. I'm not sure how how that's gonna affect things like this, you know, the life insurance and The and policy. Yeah. yeah. So what I'll do, I'm I'm planning I'm going into night shift tonight. I'll read through, you know, as much of this documentation as as that you've sent If me you as can. I can, mainly mainly Yeah. this document. Yep. But it might be prudent for us to wait until the middle of the year before we make a call on on going ahead with this insurance. Yep. That's fine.","start_word":8639,"end_word":8895,"sentiment":"neutral","sentiment_score":-0.008755725152529632},{"text":"Yep. That's not a problem at all.","start_word":8896,"end_word":8902,"sentiment":"positive","sentiment_score":0.3984750807285309},{"text":"On the very last page, if there's anything that you wanna hold off on or any part of the advice that you choose you don't wanna proceed with, on the last page, Yeah. you have a little text box, so on the authority to proceed. In that talks text box, if there's any section that you wanna hold off or not proceed with if you just wanna hold off for a few months, just sort of write down you don't wish to proceed yet. You wanna hold off and maybe review at a certain point in time. But you just Yep. need to add that little statement just in on that authority to proceed with the sections that you wanna hold off on, or not proceed with just so we have that as a record because the the advice remains appropriate as it is. It's just letting us know that you don't wish to proceed or certain, wish to hold off on certain aspects there. So if you just write that on the last page there, that's absolutely fine. We'll take a note of that, and then we can proceed with the other sections for you. Okay? Yeah. Okay. Because just Yep. I figure we're in we're in March now. The Yeah. the changeover as far as we've been told is meant to happen, you know, sort of June. Yep. So if we were to make, like, even if I was to say yes and sign up to this policy, I would imagine it's probably gonna take four to six weeks for all the paperwork to get done and for it to come into Yeah. effect. Yeah. So it it I don't know. What what what do you think? Should we just wait? It's completely up to you. Doing it now means that if anything was to happen in the meantime, you do get that higher level of of cover to sort of back you. The risk of Yeah.","start_word":8903,"end_word":9231,"sentiment":"neutral","sentiment_score":0.016789280031000952},{"text":"not doing it now means that something could go wrong in saying that. There's obviously a small chance that something could go wrong.","start_word":9232,"end_word":9254,"sentiment":"negative","sentiment_score":-0.5040709972381592},{"text":"You could the next twelve months, next ten years, you could never claim on insurances. Nothing could go wrong. So it just comes down to your comfort level, what you're comfortable proceeding with at the time, and what risks you're willing to take. So, I mean, you haven't had these insurances this high for a while, and you haven't had the claim yet. So Yep. Okay. just sorta have a think about your comfort level and what what you wanna do. Okay? Yep. Alright. And if you hold off and say, look. I wanna hold off until for a few months, we can just touch base in, you know, two, three months beginning in June. And if you say, hey. Look. Yeah. Let's do it. Or if you change your mind and you wanna go ahead, we'll just get you to put it in writing, and we can go ahead at any point in time. It's not a problem.","start_word":9255,"end_word":9413,"sentiment":"neutral","sentiment_score":0.0018564177444204688},{"text":"Okay. Yeah. Perfect.","start_word":9414,"end_word":9416,"sentiment":"positive","sentiment_score":0.49742043018341064},{"text":"The last thing I do have to let you know is you do have the estate planning side scoped in as well. I am making a recommendation that we make sure all of your beneficiaries are up to date. On the Plum Super, one of the statements we got said you did have a beneficiary nominated. The next one said there wasn't one. So I'm not sure if there is or isn't on the Plum Super account, but we're gonna make sure all your beneficiary nominations on Plum Super Hub twenty four and with your life policy with the sender if you decide to go that way are all updated.","start_word":9417,"end_word":9526,"sentiment":"neutral","sentiment_score":0.13216120499101552},{"text":"Finding, non lapsing, nominating a 100% to your partner. That way, if anything was to happen, it is all paid out nice and easily to her so she can, Yep. you know, she can continue to look after your family. It just makes it all, you know, in line and dot so your i's crossed with your t's and make sure you have that level of protection aside.","start_word":9527,"end_word":9594,"sentiment":"positive","sentiment_score":0.5177339315414429},{"text":"I've Yep. also, in here, added the estate planning side with the will and the and the power of attorney. So we aren't lawyers. We can't set up a will for you, but we can refer you to a solicitor. And if you like, I can send, sorry, just an information email to you, which gives you a bit of detail around the solicitor that we can refer you through to with a bit of a costing around what it that what they charge for a will, a bit of information around trust, and things like that just to maybe start the conversation off. Okay? Yep. Sure. Yeah.","start_word":9595,"end_word":9702,"sentiment":"neutral","sentiment_score":0.08593679219484329},{"text":"Perfect. Perfect.","start_word":9703,"end_word":9704,"sentiment":"positive","sentiment_score":0.5816826820373535},{"text":"That is everything I needed to go through with you there, Ben. I know it is at 02:21 my time, so 03:21 your time. I know you do have to kinda head off now. The rest of the document just sorta outlines the ongoing service fees, and it's important to note that we do receive remuneration from insurance companies when insurances are written into place. It has no effect on our recommendations in any way, shape, or form. But in the document here on page number 39, it does outline that with a standard, if you do go through with the insurance policy, it's up to you. We do receive 66% of the first year's premium and 22%, they're ongoing. It is legislated that we receive the exact same amount from all insurance companies, so it has not got anything to do with our recommendation. Everything I've recommended to you has to be in best interest, and that's why through this document, you see a best interest statement which outlines the reasoning and how the recommendations are in line your goals and in your best interest. Okay.","start_word":9705,"end_word":9891,"sentiment":"neutral","sentiment_score":0.12871507997500067},{"text":"Yep. Perfect. That is basically everything in there.","start_word":9892,"end_word":9899,"sentiment":"positive","sentiment_score":0.5228396058082581},{"text":"As you are going through, page number 41 outlines how we'll go through and and do the implementation there. And then on page number 42 at the very bottom, you should have a section there for a little text box, and you can just write in there what you do and or do not or wish to hold off on as part of the recommendations.","start_word":9900,"end_word":9964,"sentiment":"neutral","sentiment_score":0.18935127556324005},{"text":"Essentially, we make the recommendations to you outlining everything, and then it's up to you what you're comfortable to take on board.","start_word":9965,"end_word":9986,"sentiment":"positive","sentiment_score":0.337217777967453},{"text":"If you do have any additional questions after reading through, let me know. I know sometimes there are additional questions that come through after the conversation, so feel free to email me with anything that you need.","start_word":9987,"end_word":10023,"sentiment":"neutral","sentiment_score":0.2113985121250153},{"text":"And if we have to have another conversation, I'm more than happy to make time to come back and chat to you.","start_word":10024,"end_word":10045,"sentiment":"positive","sentiment_score":0.36620840430259705},{"text":"Okay? Okay.","start_word":10046,"end_word":10047,"sentiment":"neutral","sentiment_score":0.2170053124427795},{"text":"Beautiful. Thank you very much for that. That's okay, Ben. I hope you have a lovely afternoon.","start_word":10048,"end_word":10064,"sentiment":"positive","sentiment_score":0.7499110102653503},{"text":"I know you're very time, Paul, but I appreciate you No taking worries, Dana. my Alright. I'll call. read through all that tonight and, yeah, actually get back to you in the next couple of days. Yes.","start_word":10065,"end_word":10101,"sentiment":"neutral","sentiment_score":0.24992801249027252},{"text":"Legend. Thank you so much. You have a good afternoon. You too.","start_word":10102,"end_word":10113,"sentiment":"positive","sentiment_score":0.6995057463645935},{"text":"Alright. Bye.","start_word":10114,"end_word":10115,"sentiment":"neutral","sentiment_score":0.3126845359802246},{"text":"Thanks. See you later.","start_word":10116,"end_word":10119,"sentiment":"positive","sentiment_score":0.5199553966522217},{"text":"Yep.","start_word":10120,"end_word":10120,"sentiment":"neutral","sentiment_score":0.18435272574424744}],"average":{"sentiment":"neutral","sentiment_score":0.13245864317722109}}}}