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No. No. Look. I'll I'll stay in my week. We'll set the crane plan side of things, but thanks anyway. I I own the weak side of me. I like the warmth, and up here is cold enough for my liking. So yeah. Yeah. Definitely. I'm not a cold person. I don't really like the cold very much. It's not not a comfort area for me. My my husband's family are down south and sort of inland New South Wales, and that gets cold enough. It gets down to the minus in winter. So that's enough for me. Yeah. No. Absolutely. All good. Well, look, I just wanted to sort of touch base and do a bit of a quick catch up with you. I did promise we do catch ups, and I think now is a really good time to do a bit of a catch up with the ups and downs and and what we've sort of been feeling over the past few months there. Before I jump into the call completely, Jay, and go through your details, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. Beautiful. And just to do security there with you as well, just to confirm, your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that. For a second there, I thought you'd forgotten. No. That's okay. So I don't have anything I need to send out or to show you today. It's more just a bit of a quick catch up just to sort of see how things are going for you. I know you are due to have your annual review in a few months, and we'll go through and do a full proper review. But I know just sort of having a look at the markets, we have seen a lot of ups and downs there, and I won't show if you at your super very often, but we have this year been feeling a lot of that volatility with what's occurring between The US and Iran. But also here in Australia, we are seeing high inflationary pressures as well, and high inflation takes a bit of a hit on defensive investments, so things like bonds. Whereas, obviously, the the war in Iran has affected equity markets a little bit. And because you're in a high growth portfolio, you are seeing you are taking a bit more risk in the market to obtain greater levels of return. But it also means that in these sorts of times, you are gonna see those downs a little bit where your portfolio sees a bit of a a pullback or a bit of a negative return. And it's about just sort of waiting through those and making sure that we can, you know, hopefully, not cement too much in the way of losses and just allowing your portfolio to come back and sort of recover out of that those downtimes. Okay? Yeah. Yeah. Yeah. So when I sort of look at the way things have been going, obviously, December, your balance is a bit over a $180,008.73. Your balance is still at that sort of $180,000 mark. You are down a little bit on the balance in December there, essentially, from the early this year from sort of October where we saw really good positive returns December again. But then sort of from there this year, around about March was probably our biggest downturn with what was occurring globally. The portfolios have sort of come back, and the market is recovering a little bit there, but we're not really back at that point where we were when you sort of look at where you were in October. So I just sort of wanna, for the moment, just sort of sit on things. I'm not making any changes at the moment. I'd rather just sort of allow things to recover, give you the full year from your review, and we come back at review time and just review the portfolio as a whole, look at your goals, and sort of see if we make any changes at that point. There are some changes I think we might need to make to the portfolio. But right now, I feel like I don't wanna cement too much in the way of losses. So I'd rather just sort of see if we can come out of this time, the volatility between what's happening in overseas as well as, obviously, end of financial year. There is those ups and downs this time of year as well because people are taking profits. They are selling off and altering portfolios to kind of, you know, cement loss to tax time and cement gains and full income and things like that. So it is a bit of a volatile time out there, but I just wanted to make sure that I was touching base with you and talking you through that and giving you an update. And I will be honest, Markets do go down. They do have these kinds of reactions, and I wanted to make sure that you didn't feel forgotten that, you know, we were here and that I was talking you through that, and I'll always stand for and for when a when a year isn't great. I'll let you know and be honest with you and let you know why it's not great and that you're still young enough. You're not retiring just yet, so let's sort of push through and keep reviewing it moving forward. Okay? Yeah. So your MLC in no. Your MLC insurance is being paid out of your hub 24. So we changed where that was being paid from. It's being paid out of your hub twenty four. Yeah. Yes. So those premiums come out of hub twenty four, and I can tell you when they come out of there as well just to make sure. So let's have a look. Sorry. Won't be a second. That's alright. It is. Yeah. Yeah. Okay. Okay. Yeah. Mhmm. Yeah. Yeah. Well, not necessarily. If you decide that you do wanna go back to an industry fund and look, we're never gonna hold you here. If it's not something you want, you don't see the value in it, that's absolutely fine. If you do go back to an industry super fund, you can actually have your insurances paid out of that fund. It just means that you need to have a change of essentially, it's an enduring rollover form, but you can have those paid out of an industry fund. It's not a problem at all. You don't have to retain hub 24. But if you sort of the other thing I kinda wanna look at is because your income is there, to be able to grow your super and really affect the compounding, we do need to make sure contributions are going in, but also review the portfolio on a regular basis. So do you find you have any extra money? Are you wanting to maybe look at salary sacrificing to help provide that boost to your super, or do you have any kind of excess cash you can be putting in even sort of 20 or $40 in a fortnightly or monthly basis? Are you sort of open to doing anything like that? Yeah. Yeah. No. That's okay. Yeah. Yeah. Yep. Yeah. No. Understandable. I think it's one of the things I would probably point out is that when you think about the super fund, the super fund is just essentially the vehicle. It's just the holding where the money goes into What essentially gets you the returns and makes your portfolio work is the underlying investment. So whether your funds are in a super fund with, say, Netwealth, BT Panorama, AMP, my north, or hub twenty four, or an industry super fund, The super fund itself is just a vehicle. Think of it like the car. Your funds are going into the car. You sit in the car, but it doesn't actually get you anywhere unless you have fuel in the vehicle. And the fuel is essentially the underlying investment. So all funds are gonna have different investment managers. We obviously have access to different options as well. If you wanted to, I could also look at a cheaper product in Superfund for you. So you don't have to stay in Hub 24. If you're finding it's not really suited for you, we have access to other products out there. I do wanna kinda limit moving you between different funds because the more, essentially, the more times you sell down your investments and move your money around, your super fund, just like you, does a tax return every year, and it does have to account for income tax and capital gains and things like that. So selling down the investments to roll the funds to another fund does have a capital gains or a tax consequence on there for you or for your funds. Yeah. Yeah. So when you buy and sell investments, your super fund does also have tax consequences. So, like, for yourself, you know, how when you have income paid from your employer, they pay income tax or you pay income tax comes out of your income. The same thing sorta happens to when dividend payments are made or cash payments are made from investments to your cash account. Tax has to be accounted for at the end of the financial year, so your super fund does a tax return. When you are buying and selling investments, there is, you know, tax consequences, capital gains consequences for that. It doesn't affect you as an individual, but it does come out of your super funds. So buying and selling on a regular basis does cause that sort of a consequence. Yeah. Yeah. Yeah. Can't can't remember exactly because that was all kinda dealt with in Netwealth, but I can tell you the tax liability on your super fund at the moment is showing me a negative of 522. So it is showing me that your super fund has more of a tax loss of $522 as opposed to a capital gain that they have to account for. Yeah. Yeah. I can't remember exactly. It's all kind of it was all sort of dealt within Netwealth when that all happened at the end of twenty twenty four. So I can't remember exactly what that was. But, yeah, essentially, that's what I have to that's the way that kind of works is that your super funds and all super funds have the same thing. They're all essentially is like a trust. It's it's a you know, think of it like another person that's holding the money. It still has to do other tax returns all the time. But I wanna make sure that you are getting value out of our services as well. And if you are not finding that there is any value to it, you don't see that the advice is providing value, then I completely understand that. I'm not gonna sorta hold you here. But I do wanna make sure I answer any questions that you have. And we also have, you know, Hub twenty four. What is the the main thing that you're finding difficult about Hub that you sort of did like about Netwealth? Is there anything specific that I can kind of take on board for you and maybe answer or help with? Or yep. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Yes. Yeah. Yeah. Of course. Yeah. Yeah. Yeah. Yeah. Just a second. Yep. Yep. No. That's okay. That's absolutely fine. I mean, with where with where our services are and with our ongoing service fee, at the moment, it is at 1.65% per annum. And as a percentage based fee, it does fluctuate with the market. So the idea of our fee is that it is linked to the the performance of your super. So if your super does see a downtime, like this year, we have seen those ups and downs. And it's not just your super. It's everyone's. All industry funds as well have all kind of felt the effects of what's been going on globally and have had those downtime this year as well. So it does mean that our our fee does take a bit of a dip there with it. All super funds are definitely gonna have, like, administration fees and investment management fees. Those will fluctuate depending on what investments you're in and what super fund you have. A bitly hub 24 is sometimes can be a little bit higher than industry super funds, but it is also a retail platform. So you do sort of prefer to have adviser access to be able to sort of utilize this sort of a platform and be able to manage investments and things like that. But if you are finding that you are struggling in what reports on a regular basis, part of our service is that you do have me here to do those sorts of things for you. So if you do want, like, a report, if you if you want me to send you something sort of once every month or every two months, I'm absolutely happy to do that for you. You get that's all part of our services. It's not just a call once every couple of months or once every year to review the investments. It's about making sure that I'm here for whatever you need. And you can call me or email me or let me know if you have any questions throughout the year. I'm here to sort of help you do that, give you advice as often as you needed as well and make sure because our advice is all part of the ongoing service fee. Any new advice we provide is fully complimentary as part of that. So if you want me to help generate reports to save you, you know, having to deal with the app, I know not every it's not everyone's cup of tea, I can happily go in there every month or every couple of weeks and generate a report or give you a call and give you an update on what's happening. You just let me know what it is that you actually want me to do, and I'll I'll make sure I do that for you. Did you want me to start generating something for you regularly to sort of help you along? Yeah. No. You don't. No. You actually pay in arrears. So, essentially, with the ongoing service agreement, the amount comes out it's 1.65% per annum, but the amount does come out on a regular monthly basis. So it is the deducted each month. If at any point you decide you don't wanna proceed with the services, you want us to turn our fees off, we can absolutely do that for you. We'll stop the services. If you decide you no longer want us to monitor your super, we can remove ourselves. Or if you just wanna open an industry super fund and roll things over, you can do that. You just choose the funds you want. You open the super fund up and request the rollover via the portal, and the industry fund will roll everything over. And then we can provide you with the enduring rollover form so you can have that completed and sent to MLC. The biggest thing I would probably make note of is with your insurances, they are indexed and they do increase. So making sure you review review those insurances on a regular basis is important. One of the biggest things with your super and having insurances paid out of super is that they do increase in premium every year as it goes through renewal. So those insurance will become very expensive and will have a greater effect on your super as you get older. So you'll need to make sure you're able to review those, look at the cover you have, and look at, you know, reducing the cover or altering the cover as you need to, which is part of what we do. We look at the cover with you, look at how much you are paying, look at what you need, and try to, you know, review them with you on a regular basis so they're not costing you too much because they will get more expensive. I mean, having a look at the premium as of the last document here, you paid out of your super $4,903, so they are starting to get quite expensive. And we do obviously wanna make sure that you have the cover you want, but also making sure that your super isn't gonna be affected. You're not paying, you know, 10 or 20,000 out of out of your insurance premiums. And as you get closer to age 60, you know, years where you're 50 and onwards, those insurance premiums do become very expensive because the risk of you claiming increases, and it does tend to eat away your super a lot more as well. So just another thing I wanted to sort of make sure that I was opening up and giving you information on. Yeah. Yeah. Yeah. Yeah. We did. Yeah. Yeah. Yeah. That was because any any new with the pre assessment that you had, any new insurances we were able to obtain or any new insurances you're able to get anywhere Because of your history of mental health, they would have a mental health exclusion there. And so you that was something that you didn't really want. Then your industry is pretty insane, and, you know, mental health is one of the biggest things. And because you have had, you know, your history of mental health and depression, anxiety, and things like that, essentially, moving forward the risk of you having to claim, especially on, say, TBD for mental health was higher. So our conversation was around that exclusion would exist on any new policy, whereas it doesn't exist on your current policy. So when we sort of talked about that, you made you made mention that you didn't wanna have a mental health exclusion. So that's why we've retained MLP for the time being. Yeah. Yeah. Review it? Yep. Exclusion? Yes. Yeah. Absolutely. So, normally, with a mental health exclusion, they do have the exclusion as generally for about three to five years. So if you've gone three to five years from your last symptom or treatment and not had any further symptoms or treatments, then they're willing to review that for you. Reviewing that generally requires filling out a form. Sometimes they may request medical reports from your doctors just to show you haven't had any prescriptions for medication or treatment for mental health. And those exclusions can absolutely be lifted. It's just a matter of weighing out the exclusion time frame. One of the biggest reason why they have those is because after COVID, especially, mental health has been very, very big. And through COVID and beyond, mental health is one of the biggest things that insurance do that insurers have to pay claims on. So, essentially, it is something that they're obviously mindful of. And the biggest thing is, like, the same thing applies with, like, your car insurance. If you've got your car insurance and it doesn't cover storm damage, but the storm's coming in, we can't call the car insurance and have storm damage added to make sure our car is protected because the risk of them paying out is much higher due to the impending storm. So the same thing sort of applies with the insurers there and and personal insurances. But, absolutely, it can be reviewed. It's not a problem, and we, you know, would wanna make sure we review that with you when and if it's possible to do so. Your insurance is your life insurance at the moment. Have you had a look at the level of cover you've got currently? No? That's okay. I've got it all here for you. So your life cover at the moment, in the event of passing away, pays out a lump sum benefit of $520,007.74. And then if you did also pass away, your super benefit's also paid out. So you've got a bit over 180,000 in there at the moment as well. So when I kind of put those together for you $1.80. Sorry. Wait. Wait. One second. I'm doing some quick math here. There we go. Together, your life insurance and your super benefit pays out a bit over 700,938. So it's not a bad life benefit together. The main sort of no. You are worth so much more alive to me. Please don't. No. You are definitely not. With with your TPD benefit, that is one of the things when we did look at and provide the advice last time. Your TPD benefit there was kind of the lower benefit. You only have about a 195,000 of TPD. But, again, if you are unable to go back to work ever again and you are permanently incapacitated, we can also claim that against your life in against your sorry. Not your life in just against your super benefits. So you can also get your super paid out. So if I look at the one ninety five two 90 one yeah. Absolutely. Mhmm. Mhmm. Not no. Not necessarily. No. So life is life, essentially, when we do get clients with previous health exist health issues, life doesn't tend to put exclusions on there. You can't really exclude someone from dying from a certain aspect. So they do add loadings onto life cover for preexisting that might affect life or provide a higher risk to life. Yeah. But that's only at the time of application. So with your two policies at the moment, so I'm just looking at the certificate currency here for you. So with your two policies, you've actually got I'm just double checking. They are linked. So your life is the main benefit, and your TPD is linked to the life. So if in the event you would have a TPD claim and that $1.95 $2.09 1 was paid out, that amount is taken away from your life benefit. So it reduces your 520,000 by what you've received in TBD. However, we've also got a fourteen day life buyback option. So it means after the TBD claim, within fourteen days of you surviving out the illness, the insurer will reinstate the amount of TPD back to the life cover. So they reinstate your life cover back up to the pre disability amount. So you can then claim on life again if you pass away at a later time. Does that make sense? Yeah. Yeah. Yeah. Well, you yeah. It's a little bit weird the way we the way that it is structured. And the way the reason why it would have been structured that way is because it's actually cheaper. So the other way to have it is you have life cover and TBD completely separate, and they're two separate policies. That way, they don't affect each other. But to hold them separately like that, it actually is more expensive because they are two separate policies. So when we provide advice yeah. So when we provide advice, we link the TBD to the life cover. That way, you get a multi policy discount and actually makes the premiums a bit cheaper to begin with for you. And it does mean that the life cover is affected by the TBD benefit, but we always add the life buyback on there, and yours is attached. So it means that if you claim TBD, yes, your life cover is, you know, reduced by the 195,000 to start with. But fourteen days after, you know, your TBD claims, as long as you've survived that and there's no you haven't passed away, that life cover is automatically reinstated back. Essentially, they'll just send you a letter and say, hey. By the way, you've reached your buyback period. Yeah. Happy. We're gonna, you know, reinstate that life cover, and they'll put that $1.95 back into your life cover. So if you pass away, you can then claim that full 528 or your beneficiaries receive the full 520. So it's kind of linking it so that it makes the premiums cheaper. Yeah. But still trying to make sure that you can claim on both those benefits in the event that something happens. Yeah. Absolutely. No. No. Yeah. Yeah. And they don't disadvantage yeah. Just gonna meet that buyback that buyback time frame. That's all just gonna make sure that after the TPD event that you've survived a certain period. Normally, it's about twelve months, but yours is a fourteen day last buy buyback. So you've actually got a shorter buyback period, which is also why your premiums are a little bit higher. But the other thing I probably would wanna make mention is I'm not sure. I'm pretty sure we talked about this last time. But with PPD, if you claim total time of disability and you're under the age of 60, PPD, if you take it out of, like, out of the system, draw the money at, is actually taxed. And it's a really horrible thing, but, unfortunately, when you claim, yeah, when you claim TDD and you draw the money out of the super system, they actually do charge tax of up to 22%. There's a really funny big math equation that they do to kind of work at how much tax is payable on that. But, essentially, if you were to be on TBD or claiming TBD, if the benefit is payable out, I wanna do advice for you to sort of help you to be able to age your income if you need it, but they keep the money working as long as possible as well because that can help to reduce the amount of tax that you would have to pay. But a lot of people who do claim PBD do then take the benefit as a lump sum, take their super out as well, and draw everything down as a a one big lovely payout and then discover that they've lost, you know, a couple a couple of thousand dollars due to taxation, and it's not quite what they are insured for. And it can be a bit of a big shock. So there are you know? Yeah. Yeah. Yeah. Yeah. Well, the the way the claim actually works is because it's a super policy. In the event of a claim being successful, the funds are paid from the insurer to your super fund, and then you've gotta make that permanent incapacity to have it released out of the super system. And that's where that tax order comes into effect there. But as I kinda mentioned yeah. Yeah. But that's what we do. That's what advisers do as part of our services. I mean, the biggest risk you have with having insurances is that you hold the you have the cover. You pay the premiums, and you get to retirement, and we cancel them, and you never actually claim on them, but you pay all the premiums and you get nothing back out of that. But then the the other side of that is that and I'm sure you've seen with working in disability support, you know, something could happen. There's always that one or two or 5% in your life that something could happen, and having that payout could be the difference between being on Centrelink and total poverty or having a little bit of backup in the event of requiring a claim because, you know, everyone who kinda gets everyone who claims either life cover or TBD, the, you know, the benefit is they get that lump sum or they get that payment or they get access to that money. The downside is they've lost something to get that. If they're claiming life cover, it means that somebody passed away. They've lost a family member or someone important to them. And with TPED to claim on that, you know, you've become permanently incapacitated. You know, you're never able to go back to work again, and there's so many other things to consider in that time frame. So yeah. Yeah. There's a lot there. Absolutely. Mhmm. Yep. That'd be your last yeah. Normally, that kind of yeah. No. It's really not. It doesn't add a lot onto your premiums. I can't see exactly how much the difference is, but, normally, adding buyback onto your policy might cost about 20 or $30 per year, whereas having, you know, 14 buyback might be about 50 or $100 per year. So it's really honestly not that greater a difference, but the risk there is having the buyback like what you've got means that you only have to survive the impairment for 14. Whereas someone who's got, you know, cancer or had a heart attack has to survive twelve months before they can have that buyback. Whereas if something happened, if you had a heart attack or a stroke or something, you'd only have to survive fourteen days before that life benefit is reinstated, which means your family can, if anything, you know, happened, if you were to pass away after the event, your family could claim the life cover much sooner, and that buyback is added sooner. Whereas, let's say, you didn't have that fourteen day buyback and your family you know, you had a stroke or a heart attack or something, and within that twelve months, you passed away before you got to that buyback tick period, that that TPD benefit is not added back in, which reduces the amount of cover your family can claim when it comes to life benefits. So it's more just about juggling the risk level. Do we pay a little bit more now to have more security and have a much greater benefit and knowing that my you know, I only have to survive fourteen days to be able to get my last buyback added, or do I take the risk knowing that in the event of something happening, I would have to survive twelve months prior to that life cover being brought back in? So it's yeah. Yeah. It's it's small small amount there to kinda give you a bit of a little bit more peace of mind. Yeah. Yeah. That's okay. Yep. Yeah. Of course. Yeah. Absolutely. Absolutely. More than happy to. We can do a bit of a catch up. Now I know your annual review is due in December. Did you wanna maybe bring that forward a little bit and do it a bit earlier so we can kind of reassess your goals, really have a chat about what you're after. I can answer any questions that you have. That way, you're not waiting till December. Did you wanna do it a bit earlier? It's June. September? Yeah. Absolutely. I'll bring that forward to about September. In the meantime, if you find you have additional questions, please let me know. I mean, the hub 24, when we moved you out of Netwealth and into Hub 24, it is definitely cheaper than Netwealth as a platform. And Hub 24 has, you know, more features than Netwealth. Like, it has aggregated trading, so it can save you money in the back end when they're buying and selling investments. They try to aggregate trading, which essentially means they pull your investment requests with other people, and they try to, you know, buy and sell in a more tax effective way in the back end for you. The fees are very much Yes. Yes. The platform. Yeah. Yeah. So what happens when we, yeah, so what happens when we essentially look at yours when we buy and sell investments, so we tell them essentially what you're invested in and how much of your of how much of your money we want invested in all the different investment options. So every month, they look at how much cash is being deposited into the account, and they work out whether that cash is above their minimum cash holding. If there is too much cash in there, they buy that as investment. And in the back end, what happens is the team at Hub twenty four take our request, they submit that into the market, and they buy those investments for you. So what they do is they pull your money that they're buying into investments with other people, and they try to buy as many investments at the cheapest possible price. So you get what you need to be invested in, but they try to save you money in the back end as well. It's called aggregated trading. It's aggregating your money with other people to try and get the best possible price for those investments that they're purchasing your funds into. Does that make sense? Yes. Yeah. Yeah. Just trying to get you the best possible price instead of just, you know, trying to get in there and buy it, whatever the market is at the time. So there are definitely advantages to that, and I wanna make sure, obviously, you're getting the best of our services and having a look. I'd love to do some more advice for you. We could even look at a cheaper version of Hub twenty four. Hub twenty four does have you've got three different super fund types. They have Choice, which is the one you were in, which gives access to, you know, 1,100 different investment options, but it's the more expensive version of their fund. You also have Discovery, and you also have core. Those other hub 24 products. And if we look to maybe move you into the cheaper products, you don't actually have to sell investments or move things around. We can, you know, change the change things in a more tax effective structured way for you. And it's without you having to roll money to a different fund as well. But those other two Hub twenty four platforms are a lot cheaper. They do have less access to investments, so we would be maybe restructuring the portfolio as well. But if you're open to me looking and providing advice and doing that for you, I would love to do that research, have a look at the cost involved, have a look at, you know, what CGT consequences there might be for you, project that to your retirement, look at what you'll have coming in, and sort of make sure I can give you more value. I just one of the big things is I don't want you paying our fees if you're not getting value. And if you're not getting value, please come and tell me because it's really important. I wanna make sure I'm here to help you. And it's not just about getting to you to retirement. Financial advice is really important through retirement as well. So once you get to retirement, how much do you have? How does that support you? How do we draw that money out? I do advise around that. I look at Centrelink for people as well and how I can get you Centrelink and shelter money and get the best out of your super as well as Centrelink. So it's about not just supporting you to retirement, but beyond that to make sure that your super lasts as long as possible as well. So there's lots of things that I can do, but I don't obviously wanna force you into anything you're not comfortable with. But I just wanna make sure that we're having that honest open conversation. You're welcome to tell me, no. I don't want this. This is not for me anymore, and I will help you go to wherever you want. You are by no means held here in any way, shape, or form. And if you decide, do you want me to turn the fees off, you just give me the direction, and I will abide by that. And I will say thank you, Jay, and I will wish you the best. And if you decide to come back, you absolutely can. I'm always here. So I just wanted to yeah. I'm glad we have this catch up. Yep. Yep. Industry funds. Oh, you do have access to those to other managed funds. So in the in the core or the discovery menus within hub twenty four, they have less investments to choose from, but we can still build portfolios within their the investments that they do have. So we absolutely can still alter and change investments and, you know, keep you within the high growth area and the portfolios. It just depends on what we have access to and how we build those portfolios. But, you know, if if these is a thing, I can absolutely look at cheaper products for you. Still look at building portfolios that works for you. We've also, sorry, just set up our own separately managed account, which is our own investment portfolio, which might even work for you as well. You have less visibility of investments, but we utilize our investment committee and BlackRock's investment committee and have a whole separate portfolio on a cheaper hub 24 platform. So that might even work out, yeah, that might even work out for you as well to be able to, you know, utilize that and, you know, see how that works. Yeah. Yeah. Yes. Of course. Yeah. Yep. Yeah. Absolutely. Yeah. Of course. Absolutely. Yeah. No. Be honest with me, Jay. It's it I honestly do love the honesty, sir. Absolutely. Be honest with me. Say exactly how you feel. I'll never take offense or be worried. It's it's all about making sure we're doing the right thing by you and being being able to understand how you're feeling at the time and what you need is really important towards me making sure I'm working your best interest for you. So, yeah, there's lots of things that we can do. I will I'll get the team to give you a call in early September. We'll book in your annual review a bit earlier, and let's have a really good look at things before we get to the end of the ongoing service agreement and look at updating the advice Even if at that time I update the advice and show you what the recommendations are, you don't have to take it. You can go, thanks, Dana. I like it, but I'm just it's not not for me, and that's absolutely fine. There is no obligation for you to take advice after I've gone through that. You're welcome to say, no. It's all good. Thank you for trying, but I'm good, and we will help you. Okay? Yeah. That's okay. Yep. I'll make sure that happens for you, Jay. No. Thank you so much. I know you have to go, but I really do appreciate it. You have a lovely afternoon. If you need anything or have any other questions, let me know. If you're wanting to get a balance update or a report of some sort, you just let me know. I will organize it and have it sent to you. Okay? I'm here for that. My pleasure. Enjoy your day, Jay. Have a good day. Thanks. 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Jay. It's Dana from Okeech. How are you? I'm very well. Thank you.\n\nI had you booked in for a bit of a quick catch up this morning. How's everything been going? Yeah. Yep. Yeah.\n\nYeah. No. No. Look. I'll I'll stay in my week.\n\nWe'll set the crane plan side of things, but thanks anyway. I I own the weak side of me. I like the warmth, and up here is cold enough for my liking. So yeah. Yeah.\n\nDefinitely. I'm not a cold person. I don't really like the cold very much. It's not not a comfort area for me. My my husband's family are down south and sort of inland New South Wales, and that gets cold enough.\n\nIt gets down to the minus in winter. So that's enough for me. Yeah. No. Absolutely.\n\nAll good. Well, look, I just wanted to sort of touch base and do a bit of a quick catch up with you. I did promise we do catch ups, and I think now is a really good time to do a bit of a catch up with the ups and downs and and what we've sort of been feeling over the past few months there. Before I jump into the call completely, Jay, and go through your details, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nYep. Beautiful. And just to do security there with you as well, just to confirm, your full name, your date of birth, and address I should have on file. Yep. Beautiful.\n\nThank you so much for that. For a second there, I thought you'd forgotten. No. That's okay. So I don't have anything I need to send out or to show you today.\n\nIt's more just a bit of a quick catch up just to sort of see how things are going for you. I know you are due to have your annual review in a few months, and we'll go through and do a full proper review. But I know just sort of having a look at the markets, we have seen a lot of ups and downs there, and I won't show if you at your super very often, but we have this year been feeling a lot of that volatility with what's occurring between The US and Iran. But also here in Australia, we are seeing high inflationary pressures as well, and high inflation takes a bit of a hit on defensive investments, so things like bonds. Whereas, obviously, the the war in Iran has affected equity markets a little bit.\n\nAnd because you're in a high growth portfolio, you are seeing you are taking a bit more risk in the market to obtain greater levels of return. But it also means that in these sorts of times, you are gonna see those downs a little bit where your portfolio sees a bit of a a pullback or a bit of a negative return. And it's about just sort of waiting through those and making sure that we can, you know, hopefully, not cement too much in the way of losses and just allowing your portfolio to come back and sort of recover out of that those downtimes. Okay? Yeah.\n\nYeah. Yeah. So when I sort of look at the way things have been going, obviously, December, your balance is a bit over a $180,008.73. Your balance is still at that sort of $180,000 mark. You are down a little bit on the balance in December there, essentially, from the early this year from sort of October where we saw really good positive returns December again.\n\nBut then sort of from there this year, around about March was probably our biggest downturn with what was occurring globally. The portfolios have sort of come back, and the market is recovering a little bit there, but we're not really back at that point where we were when you sort of look at where you were in October. So I just sort of wanna, for the moment, just sort of sit on things. I'm not making any changes at the moment. I'd rather just sort of allow things to recover, give you the full year from your review, and we come back at review time and just review the portfolio as a whole, look at your goals, and sort of see if we make any changes at that point.\n\nThere are some changes I think we might need to make to the portfolio. But right now, I feel like I don't wanna cement too much in the way of losses. So I'd rather just sort of see if we can come out of this time, the volatility between what's happening in overseas as well as, obviously, end of financial year. There is those ups and downs this time of year as well because people are taking profits. They are selling off and altering portfolios to kind of, you know, cement loss to tax time and cement gains and full income and things like that.\n\nSo it is a bit of a volatile time out there, but I just wanted to make sure that I was touching base with you and talking you through that and giving you an update. And I will be honest, Markets do go down. They do have these kinds of reactions, and I wanted to make sure that you didn't feel forgotten that, you know, we were here and that I was talking you through that, and I'll always stand for and for when a when a year isn't great. I'll let you know and be honest with you and let you know why it's not great and that you're still young enough. You're not retiring just yet, so let's sort of push through and keep reviewing it moving forward.\n\nOkay? Yeah. So your MLC in no. Your MLC insurance is being paid out of your hub 24. So we changed where that was being paid from.\n\nIt's being paid out of your hub twenty four. Yeah. Yes. So those premiums come out of hub twenty four, and I can tell you when they come out of there as well just to make sure. So let's have a look.\n\nSorry. Won't be a second. That's alright. It is. Yeah.\n\nYeah. Okay. Okay. Yeah. Mhmm.\n\nYeah. Yeah. Well, not necessarily. If you decide that you do wanna go back to an industry fund and look, we're never gonna hold you here. If it's not something you want, you don't see the value in it, that's absolutely fine.\n\nIf you do go back to an industry super fund, you can actually have your insurances paid out of that fund. It just means that you need to have a change of essentially, it's an enduring rollover form, but you can have those paid out of an industry fund. It's not a problem at all. You don't have to retain hub 24. But if you sort of the other thing I kinda wanna look at is because your income is there, to be able to grow your super and really affect the compounding, we do need to make sure contributions are going in, but also review the portfolio on a regular basis.\n\nSo do you find you have any extra money? Are you wanting to maybe look at salary sacrificing to help provide that boost to your super, or do you have any kind of excess cash you can be putting in even sort of 20 or $40 in a fortnightly or monthly basis? Are you sort of open to doing anything like that? Yeah. Yeah.\n\nNo. That's okay. Yeah. Yeah. Yep.\n\nYeah. No. Understandable. I think it's one of the things I would probably point out is that when you think about the super fund, the super fund is just essentially the vehicle. It's just the holding where the money goes into What essentially gets you the returns and makes your portfolio work is the underlying investment.\n\nSo whether your funds are in a super fund with, say, Netwealth, BT Panorama, AMP, my north, or hub twenty four, or an industry super fund, The super fund itself is just a vehicle. Think of it like the car. Your funds are going into the car. You sit in the car, but it doesn't actually get you anywhere unless you have fuel in the vehicle. And the fuel is essentially the underlying investment.\n\nSo all funds are gonna have different investment managers. We obviously have access to different options as well. If you wanted to, I could also look at a cheaper product in Superfund for you. So you don't have to stay in Hub 24. If you're finding it's not really suited for you, we have access to other products out there.\n\nI do wanna kinda limit moving you between different funds because the more, essentially, the more times you sell down your investments and move your money around, your super fund, just like you, does a tax return every year, and it does have to account for income tax and capital gains and things like that. So selling down the investments to roll the funds to another fund does have a capital gains or a tax consequence on there for you or for your funds. Yeah. Yeah. So when you buy and sell investments, your super fund does also have tax consequences.\n\nSo, like, for yourself, you know, how when you have income paid from your employer, they pay income tax or you pay income tax comes out of your income. The same thing sorta happens to when dividend payments are made or cash payments are made from investments to your cash account. Tax has to be accounted for at the end of the financial year, so your super fund does a tax return. When you are buying and selling investments, there is, you know, tax consequences, capital gains consequences for that. It doesn't affect you as an individual, but it does come out of your super funds.\n\nSo buying and selling on a regular basis does cause that sort of a consequence. Yeah. Yeah. Yeah. Can't can't remember exactly because that was all kinda dealt with in Netwealth, but I can tell you the tax liability on your super fund at the moment is showing me a negative of 522.\n\nSo it is showing me that your super fund has more of a tax loss of $522 as opposed to a capital gain that they have to account for. Yeah. Yeah. I can't remember exactly. It's all kind of it was all sort of dealt within Netwealth when that all happened at the end of twenty twenty four.\n\nSo I can't remember exactly what that was. But, yeah, essentially, that's what I have to that's the way that kind of works is that your super funds and all super funds have the same thing. They're all essentially is like a trust. It's it's a you know, think of it like another person that's holding the money. It still has to do other tax returns all the time.\n\nBut I wanna make sure that you are getting value out of our services as well. And if you are not finding that there is any value to it, you don't see that the advice is providing value, then I completely understand that. I'm not gonna sorta hold you here. But I do wanna make sure I answer any questions that you have. And we also have, you know, Hub twenty four.\n\nWhat is the the main thing that you're finding difficult about Hub that you sort of did like about Netwealth? Is there anything specific that I can kind of take on board for you and maybe answer or help with? Or yep. Yeah. Yeah.\n\nOkay. Yeah. Yeah. Yeah. Yeah.\n\nYes. Yeah. Yeah. Of course. Yeah.\n\nYeah. Yeah. Yeah. Just a second. Yep.\n\nYep. No. That's okay. That's absolutely fine. I mean, with where with where our services are and with our ongoing service fee, at the moment, it is at 1.65% per annum.\n\nAnd as a percentage based fee, it does fluctuate with the market. So the idea of our fee is that it is linked to the the performance of your super. So if your super does see a downtime, like this year, we have seen those ups and downs. And it's not just your super. It's everyone's.\n\nAll industry funds as well have all kind of felt the effects of what's been going on globally and have had those downtime this year as well. So it does mean that our our fee does take a bit of a dip there with it. All super funds are definitely gonna have, like, administration fees and investment management fees. Those will fluctuate depending on what investments you're in and what super fund you have. A bitly hub 24 is sometimes can be a little bit higher than industry super funds, but it is also a retail platform.\n\nSo you do sort of prefer to have adviser access to be able to sort of utilize this sort of a platform and be able to manage investments and things like that. But if you are finding that you are struggling in what reports on a regular basis, part of our service is that you do have me here to do those sorts of things for you. So if you do want, like, a report, if you if you want me to send you something sort of once every month or every two months, I'm absolutely happy to do that for you. You get that's all part of our services. It's not just a call once every couple of months or once every year to review the investments.\n\nIt's about making sure that I'm here for whatever you need. And you can call me or email me or let me know if you have any questions throughout the year. I'm here to sort of help you do that, give you advice as often as you needed as well and make sure because our advice is all part of the ongoing service fee. Any new advice we provide is fully complimentary as part of that. So if you want me to help generate reports to save you, you know, having to deal with the app, I know not every it's not everyone's cup of tea, I can happily go in there every month or every couple of weeks and generate a report or give you a call and give you an update on what's happening.\n\nYou just let me know what it is that you actually want me to do, and I'll I'll make sure I do that for you. Did you want me to start generating something for you regularly to sort of help you along? Yeah. No. You don't.\n\nNo. You actually pay in arrears. So, essentially, with the ongoing service agreement, the amount comes out it's 1.65% per annum, but the amount does come out on a regular monthly basis. So it is the deducted each month. If at any point you decide you don't wanna proceed with the services, you want us to turn our fees off, we can absolutely do that for you.\n\nWe'll stop the services. If you decide you no longer want us to monitor your super, we can remove ourselves. Or if you just wanna open an industry super fund and roll things over, you can do that. You just choose the funds you want. You open the super fund up and request the rollover via the portal, and the industry fund will roll everything over.\n\nAnd then we can provide you with the enduring rollover form so you can have that completed and sent to MLC. The biggest thing I would probably make note of is with your insurances, they are indexed and they do increase. So making sure you review review those insurances on a regular basis is important. One of the biggest things with your super and having insurances paid out of super is that they do increase in premium every year as it goes through renewal. So those insurance will become very expensive and will have a greater effect on your super as you get older.\n\nSo you'll need to make sure you're able to review those, look at the cover you have, and look at, you know, reducing the cover or altering the cover as you need to, which is part of what we do. We look at the cover with you, look at how much you are paying, look at what you need, and try to, you know, review them with you on a regular basis so they're not costing you too much because they will get more expensive. I mean, having a look at the premium as of the last document here, you paid out of your super $4,903, so they are starting to get quite expensive. And we do obviously wanna make sure that you have the cover you want, but also making sure that your super isn't gonna be affected. You're not paying, you know, 10 or 20,000 out of out of your insurance premiums.\n\nAnd as you get closer to age 60, you know, years where you're 50 and onwards, those insurance premiums do become very expensive because the risk of you claiming increases, and it does tend to eat away your super a lot more as well. So just another thing I wanted to sort of make sure that I was opening up and giving you information on. Yeah. Yeah. Yeah.\n\nYeah. We did. Yeah. Yeah. Yeah.\n\nThat was because any any new with the pre assessment that you had, any new insurances we were able to obtain or any new insurances you're able to get anywhere Because of your history of mental health, they would have a mental health exclusion there. And so you that was something that you didn't really want. Then your industry is pretty insane, and, you know, mental health is one of the biggest things. And because you have had, you know, your history of mental health and depression, anxiety, and things like that, essentially, moving forward the risk of you having to claim, especially on, say, TBD for mental health was higher. So our conversation was around that exclusion would exist on any new policy, whereas it doesn't exist on your current policy.\n\nSo when we sort of talked about that, you made you made mention that you didn't wanna have a mental health exclusion. So that's why we've retained MLP for the time being. Yeah. Yeah. Review it?\n\nYep. Exclusion? Yes. Yeah. Absolutely.\n\nSo, normally, with a mental health exclusion, they do have the exclusion as generally for about three to five years. So if you've gone three to five years from your last symptom or treatment and not had any further symptoms or treatments, then they're willing to review that for you. Reviewing that generally requires filling out a form. Sometimes they may request medical reports from your doctors just to show you haven't had any prescriptions for medication or treatment for mental health. And those exclusions can absolutely be lifted.\n\nIt's just a matter of weighing out the exclusion time frame. One of the biggest reason why they have those is because after COVID, especially, mental health has been very, very big. And through COVID and beyond, mental health is one of the biggest things that insurance do that insurers have to pay claims on. So, essentially, it is something that they're obviously mindful of. And the biggest thing is, like, the same thing applies with, like, your car insurance.\n\nIf you've got your car insurance and it doesn't cover storm damage, but the storm's coming in, we can't call the car insurance and have storm damage added to make sure our car is protected because the risk of them paying out is much higher due to the impending storm. So the same thing sort of applies with the insurers there and and personal insurances. But, absolutely, it can be reviewed. It's not a problem, and we, you know, would wanna make sure we review that with you when and if it's possible to do so. Your insurance is your life insurance at the moment.\n\nHave you had a look at the level of cover you've got currently? No? That's okay. I've got it all here for you. So your life cover at the moment, in the event of passing away, pays out a lump sum benefit of $520,007.74.\n\nAnd then if you did also pass away, your super benefit's also paid out. So you've got a bit over 180,000 in there at the moment as well. So when I kind of put those together for you $1.80. Sorry. Wait.\n\nWait. One second. I'm doing some quick math here. There we go. Together, your life insurance and your super benefit pays out a bit over 700,938.\n\nSo it's not a bad life benefit together. The main sort of no. You are worth so much more alive to me. Please don't. No.\n\nYou are definitely not. With with your TPD benefit, that is one of the things when we did look at and provide the advice last time. Your TPD benefit there was kind of the lower benefit. You only have about a 195,000 of TPD. But, again, if you are unable to go back to work ever again and you are permanently incapacitated, we can also claim that against your life in against your sorry.\n\nNot your life in just against your super benefits. So you can also get your super paid out. So if I look at the one ninety five two 90 one yeah. Absolutely. Mhmm.\n\nMhmm. Not no. Not necessarily. No. So life is life, essentially, when we do get clients with previous health exist health issues, life doesn't tend to put exclusions on there.\n\nYou can't really exclude someone from dying from a certain aspect. So they do add loadings onto life cover for preexisting that might affect life or provide a higher risk to life. Yeah. But that's only at the time of application. So with your two policies at the moment, so I'm just looking at the certificate currency here for you.\n\nSo with your two policies, you've actually got I'm just double checking. They are linked. So your life is the main benefit, and your TPD is linked to the life. So if in the event you would have a TPD claim and that $1.95 $2.09 1 was paid out, that amount is taken away from your life benefit. So it reduces your 520,000 by what you've received in TBD.\n\nHowever, we've also got a fourteen day life buyback option. So it means after the TBD claim, within fourteen days of you surviving out the illness, the insurer will reinstate the amount of TPD back to the life cover. So they reinstate your life cover back up to the pre disability amount. So you can then claim on life again if you pass away at a later time. Does that make sense?\n\nYeah. Yeah. Yeah. Well, you yeah. It's a little bit weird the way we the way that it is structured.\n\nAnd the way the reason why it would have been structured that way is because it's actually cheaper. So the other way to have it is you have life cover and TBD completely separate, and they're two separate policies. That way, they don't affect each other. But to hold them separately like that, it actually is more expensive because they are two separate policies. So when we provide advice yeah.\n\nSo when we provide advice, we link the TBD to the life cover. That way, you get a multi policy discount and actually makes the premiums a bit cheaper to begin with for you. And it does mean that the life cover is affected by the TBD benefit, but we always add the life buyback on there, and yours is attached. So it means that if you claim TBD, yes, your life cover is, you know, reduced by the 195,000 to start with. But fourteen days after, you know, your TBD claims, as long as you've survived that and there's no you haven't passed away, that life cover is automatically reinstated back.\n\nEssentially, they'll just send you a letter and say, hey. By the way, you've reached your buyback period. Yeah. Happy. We're gonna, you know, reinstate that life cover, and they'll put that $1.95 back into your life cover.\n\nSo if you pass away, you can then claim that full 528 or your beneficiaries receive the full 520. So it's kind of linking it so that it makes the premiums cheaper. Yeah. But still trying to make sure that you can claim on both those benefits in the event that something happens. Yeah.\n\nAbsolutely. No. No. Yeah. Yeah.\n\nAnd they don't disadvantage yeah. Just gonna meet that buyback that buyback time frame. That's all just gonna make sure that after the TPD event that you've survived a certain period. Normally, it's about twelve months, but yours is a fourteen day last buy buyback. So you've actually got a shorter buyback period, which is also why your premiums are a little bit higher.\n\nBut the other thing I probably would wanna make mention is I'm not sure. I'm pretty sure we talked about this last time. But with PPD, if you claim total time of disability and you're under the age of 60, PPD, if you take it out of, like, out of the system, draw the money at, is actually taxed. And it's a really horrible thing, but, unfortunately, when you claim, yeah, when you claim TDD and you draw the money out of the super system, they actually do charge tax of up to 22%. There's a really funny big math equation that they do to kind of work at how much tax is payable on that.\n\nBut, essentially, if you were to be on TBD or claiming TBD, if the benefit is payable out, I wanna do advice for you to sort of help you to be able to age your income if you need it, but they keep the money working as long as possible as well because that can help to reduce the amount of tax that you would have to pay. But a lot of people who do claim PBD do then take the benefit as a lump sum, take their super out as well, and draw everything down as a a one big lovely payout and then discover that they've lost, you know, a couple a couple of thousand dollars due to taxation, and it's not quite what they are insured for. And it can be a bit of a big shock. So there are you know? Yeah.\n\nYeah. Yeah. Yeah. Well, the the way the claim actually works is because it's a super policy. In the event of a claim being successful, the funds are paid from the insurer to your super fund, and then you've gotta make that permanent incapacity to have it released out of the super system.\n\nAnd that's where that tax order comes into effect there. But as I kinda mentioned yeah. Yeah. But that's what we do. That's what advisers do as part of our services.\n\nI mean, the biggest risk you have with having insurances is that you hold the you have the cover. You pay the premiums, and you get to retirement, and we cancel them, and you never actually claim on them, but you pay all the premiums and you get nothing back out of that. But then the the other side of that is that and I'm sure you've seen with working in disability support, you know, something could happen. There's always that one or two or 5% in your life that something could happen, and having that payout could be the difference between being on Centrelink and total poverty or having a little bit of backup in the event of requiring a claim because, you know, everyone who kinda gets everyone who claims either life cover or TBD, the, you know, the benefit is they get that lump sum or they get that payment or they get access to that money. The downside is they've lost something to get that.\n\nIf they're claiming life cover, it means that somebody passed away. They've lost a family member or someone important to them. And with TPED to claim on that, you know, you've become permanently incapacitated. You know, you're never able to go back to work again, and there's so many other things to consider in that time frame. So yeah.\n\nYeah. There's a lot there. Absolutely. Mhmm. Yep.\n\nThat'd be your last yeah. Normally, that kind of yeah. No. It's really not. It doesn't add a lot onto your premiums.\n\nI can't see exactly how much the difference is, but, normally, adding buyback onto your policy might cost about 20 or $30 per year, whereas having, you know, 14 buyback might be about 50 or $100 per year. So it's really honestly not that greater a difference, but the risk there is having the buyback like what you've got means that you only have to survive the impairment for 14. Whereas someone who's got, you know, cancer or had a heart attack has to survive twelve months before they can have that buyback. Whereas if something happened, if you had a heart attack or a stroke or something, you'd only have to survive fourteen days before that life benefit is reinstated, which means your family can, if anything, you know, happened, if you were to pass away after the event, your family could claim the life cover much sooner, and that buyback is added sooner. Whereas, let's say, you didn't have that fourteen day buyback and your family you know, you had a stroke or a heart attack or something, and within that twelve months, you passed away before you got to that buyback tick period, that that TPD benefit is not added back in, which reduces the amount of cover your family can claim when it comes to life benefits.\n\nSo it's more just about juggling the risk level. Do we pay a little bit more now to have more security and have a much greater benefit and knowing that my you know, I only have to survive fourteen days to be able to get my last buyback added, or do I take the risk knowing that in the event of something happening, I would have to survive twelve months prior to that life cover being brought back in? So it's yeah. Yeah. It's it's small small amount there to kinda give you a bit of a little bit more peace of mind.\n\nYeah. Yeah. That's okay. Yep. Yeah.\n\nOf course. Yeah. Absolutely. Absolutely. More than happy to.\n\nWe can do a bit of a catch up. Now I know your annual review is due in December. Did you wanna maybe bring that forward a little bit and do it a bit earlier so we can kind of reassess your goals, really have a chat about what you're after. I can answer any questions that you have. That way, you're not waiting till December.\n\nDid you wanna do it a bit earlier? It's June. September? Yeah. Absolutely.\n\nI'll bring that forward to about September. In the meantime, if you find you have additional questions, please let me know. I mean, the hub 24, when we moved you out of Netwealth and into Hub 24, it is definitely cheaper than Netwealth as a platform. And Hub 24 has, you know, more features than Netwealth. Like, it has aggregated trading, so it can save you money in the back end when they're buying and selling investments.\n\nThey try to aggregate trading, which essentially means they pull your investment requests with other people, and they try to, you know, buy and sell in a more tax effective way in the back end for you. The fees are very much Yes. Yes. The platform. Yeah.\n\nYeah. So what happens when we, yeah, so what happens when we essentially look at yours when we buy and sell investments, so we tell them essentially what you're invested in and how much of your of how much of your money we want invested in all the different investment options. So every month, they look at how much cash is being deposited into the account, and they work out whether that cash is above their minimum cash holding. If there is too much cash in there, they buy that as investment. And in the back end, what happens is the team at Hub twenty four take our request, they submit that into the market, and they buy those investments for you.\n\nSo what they do is they pull your money that they're buying into investments with other people, and they try to buy as many investments at the cheapest possible price. So you get what you need to be invested in, but they try to save you money in the back end as well. It's called aggregated trading. It's aggregating your money with other people to try and get the best possible price for those investments that they're purchasing your funds into. Does that make sense?\n\nYes. Yeah. Yeah. Just trying to get you the best possible price instead of just, you know, trying to get in there and buy it, whatever the market is at the time. So there are definitely advantages to that, and I wanna make sure, obviously, you're getting the best of our services and having a look.\n\nI'd love to do some more advice for you. We could even look at a cheaper version of Hub twenty four. Hub twenty four does have you've got three different super fund types. They have Choice, which is the one you were in, which gives access to, you know, 1,100 different investment options, but it's the more expensive version of their fund. You also have Discovery, and you also have core.\n\nThose other hub 24 products. And if we look to maybe move you into the cheaper products, you don't actually have to sell investments or move things around. We can, you know, change the change things in a more tax effective structured way for you. And it's without you having to roll money to a different fund as well. But those other two Hub twenty four platforms are a lot cheaper.\n\nThey do have less access to investments, so we would be maybe restructuring the portfolio as well. But if you're open to me looking and providing advice and doing that for you, I would love to do that research, have a look at the cost involved, have a look at, you know, what CGT consequences there might be for you, project that to your retirement, look at what you'll have coming in, and sort of make sure I can give you more value. I just one of the big things is I don't want you paying our fees if you're not getting value. And if you're not getting value, please come and tell me because it's really important. I wanna make sure I'm here to help you.\n\nAnd it's not just about getting to you to retirement. Financial advice is really important through retirement as well. So once you get to retirement, how much do you have? How does that support you? How do we draw that money out?\n\nI do advise around that. I look at Centrelink for people as well and how I can get you Centrelink and shelter money and get the best out of your super as well as Centrelink. So it's about not just supporting you to retirement, but beyond that to make sure that your super lasts as long as possible as well. So there's lots of things that I can do, but I don't obviously wanna force you into anything you're not comfortable with. But I just wanna make sure that we're having that honest open conversation.\n\nYou're welcome to tell me, no. I don't want this. This is not for me anymore, and I will help you go to wherever you want. You are by no means held here in any way, shape, or form. And if you decide, do you want me to turn the fees off, you just give me the direction, and I will abide by that.\n\nAnd I will say thank you, Jay, and I will wish you the best. And if you decide to come back, you absolutely can. I'm always here. So I just wanted to yeah. I'm glad we have this catch up.\n\nYep. Yep. Industry funds. Oh, you do have access to those to other managed funds. So in the in the core or the discovery menus within hub twenty four, they have less investments to choose from, but we can still build portfolios within their the investments that they do have.\n\nSo we absolutely can still alter and change investments and, you know, keep you within the high growth area and the portfolios. It just depends on what we have access to and how we build those portfolios. But, you know, if if these is a thing, I can absolutely look at cheaper products for you. Still look at building portfolios that works for you. We've also, sorry, just set up our own separately managed account, which is our own investment portfolio, which might even work for you as well.\n\nYou have less visibility of investments, but we utilize our investment committee and BlackRock's investment committee and have a whole separate portfolio on a cheaper hub 24 platform. So that might even work out, yeah, that might even work out for you as well to be able to, you know, utilize that and, you know, see how that works. Yeah. Yeah. Yes.\n\nOf course. Yeah. Yep. Yeah. Absolutely.\n\nYeah. Of course. Absolutely. Yeah. No.\n\nBe honest with me, Jay. It's it I honestly do love the honesty, sir. Absolutely. Be honest with me. Say exactly how you feel.\n\nI'll never take offense or be worried. It's it's all about making sure we're doing the right thing by you and being being able to understand how you're feeling at the time and what you need is really important towards me making sure I'm working your best interest for you. So, yeah, there's lots of things that we can do. I will I'll get the team to give you a call in early September. We'll book in your annual review a bit earlier, and let's have a really good look at things before we get to the end of the ongoing service agreement and look at updating the advice Even if at that time I update the advice and show you what the recommendations are, you don't have to take it.\n\nYou can go, thanks, Dana. I like it, but I'm just it's not not for me, and that's absolutely fine. There is no obligation for you to take advice after I've gone through that. You're welcome to say, no. It's all good.\n\nThank you for trying, but I'm good, and we will help you. Okay? Yeah. That's okay. Yep.\n\nI'll make sure that happens for you, Jay. No. Thank you so much. I know you have to go, but I really do appreciate it. You have a lovely afternoon.\n\nIf you need anything or have any other questions, let me know. If you're wanting to get a balance update or a report of some sort, you just let me know. I will organize it and have it sent to you. Okay? I'm here for that.\n\nMy pleasure. Enjoy your day, Jay. Have a good day. Thanks. See you later.","paragraphs":[{"sentences":[{"text":"Hi, Jay.","start":4.08,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.13980912417173386},{"text":"It's Dana from Okeech.","start":4.7999997,"end":6.0,"sentiment":"neutral","sentiment_score":0.16054657474160194},{"text":"How are you?","start":6.0,"end":6.98,"sentiment":"neutral","sentiment_score":0.17398648460706076},{"text":"I'm very well.","start":8.88,"end":9.84,"sentiment":"positive","sentiment_score":0.6288559039433798},{"text":"Thank you.","start":9.84,"end":10.32,"sentiment":"positive","sentiment_score":0.6871224343776703}],"sentiment":"positive","sentiment_score":0.3360411844083241,"num_words":14,"start":4.08,"end":10.32},{"sentences":[{"text":"I had you booked in for a bit of a quick catch up this morning.","start":10.32,"end":13.059999,"sentiment":"neutral","sentiment_score":0.26894877552986146},{"text":"How's everything been going?","start":13.12,"end":14.74,"sentiment":"neutral","sentiment_score":0.15373852290213108},{"text":"Yeah.","start":17.234999,"end":17.734999,"sentiment":"neutral","sentiment_score":0.03717193752527237},{"text":"Yep.","start":23.715,"end":23.965,"sentiment":"neutral","sentiment_score":-0.004300336353480816},{"text":"Yeah.","start":23.965,"end":24.465,"sentiment":"neutral","sentiment_score":-0.010963969863951206}],"sentiment":"neutral","sentiment_score":0.21232242526655848,"num_words":22,"start":10.32,"end":24.465},{"sentences":[{"text":"Yeah.","start":37.01,"end":37.51,"sentiment":"neutral","sentiment_score":-0.013644425198435783},{"text":"No.","start":37.65,"end":37.97,"sentiment":"neutral","sentiment_score":-0.049896810203790665},{"text":"No.","start":37.97,"end":38.21,"sentiment":"neutral","sentiment_score":-0.047370318323373795},{"text":"Look.","start":38.21,"end":38.61,"sentiment":"neutral","sentiment_score":-0.022815436124801636},{"text":"I'll I'll stay in my week.","start":38.61,"end":39.73,"sentiment":"neutral","sentiment_score":-0.0007662670686841011}],"sentiment":"neutral","sentiment_score":-0.013832459226250648,"num_words":10,"start":37.01,"end":39.73},{"sentences":[{"text":"We'll set the crane plan side of things, but thanks anyway.","start":39.73,"end":42.485,"sentiment":"neutral","sentiment_score":0.03567350130866875},{"text":"I I own the weak side of me.","start":44.465,"end":46.385002,"sentiment":"neutral","sentiment_score":-0.06005080044269562},{"text":"I like the warmth, and up here is cold enough for my liking.","start":46.385002,"end":49.605,"sentiment":"neutral","sentiment_score":-0.049295082401770815},{"text":"So yeah.","start":49.665,"end":53.765,"sentiment":"neutral","sentiment_score":-0.014608497731387615},{"text":"Yeah.","start":54.065002,"end":54.385002,"sentiment":"neutral","sentiment_score":-0.0154695650562644}],"sentiment":"neutral","sentiment_score":-0.0221005863110934,"num_words":35,"start":39.73,"end":54.385002},{"sentences":[{"text":"Definitely.","start":54.385002,"end":54.885002,"sentiment":"neutral","sentiment_score":-0.028889155015349388},{"text":"I'm not a cold person.","start":55.105,"end":56.51,"sentiment":"neutral","sentiment_score":-0.16968862116336822},{"text":"I don't really like the cold very much.","start":56.51,"end":58.35,"sentiment":"neutral","sentiment_score":-0.21396228857338428},{"text":"It's not not a comfort area for me.","start":58.35,"end":60.51,"sentiment":"neutral","sentiment_score":-0.179439976811409},{"text":"My my husband's family are down south and sort of inland New South Wales, and that gets cold enough.","start":60.51,"end":66.35,"sentiment":"neutral","sentiment_score":-0.07029997106445462}],"sentiment":"neutral","sentiment_score":-0.13073780083256523,"num_words":41,"start":54.385002,"end":66.35},{"sentences":[{"text":"It gets down to the minus in winter.","start":66.35,"end":68.35,"sentiment":"neutral","sentiment_score":-0.06855884566903114},{"text":"So that's enough for me.","start":68.35,"end":69.81,"sentiment":"neutral","sentiment_score":-0.040019451081752776},{"text":"Yeah.","start":71.655,"end":72.155,"sentiment":"neutral","sentiment_score":0.03632034733891487},{"text":"No.","start":72.615,"end":72.854996,"sentiment":"neutral","sentiment_score":0.045693449676036835},{"text":"Absolutely.","start":72.854996,"end":73.354996,"sentiment":"neutral","sentiment_score":0.1319117695093155}],"sentiment":"neutral","sentiment_score":-0.033415153389796615,"num_words":16,"start":66.35,"end":73.354996},{"sentences":[{"text":"All good.","start":73.735,"end":73.975,"sentiment":"neutral","sentiment_score":0.20383354276418686},{"text":"Well, look, I just wanted to sort of touch base and do a bit of a quick catch up with you.","start":73.975,"end":77.095,"sentiment":"neutral","sentiment_score":0.17426349151702153},{"text":"I did promise we do catch ups, and I think now is a really good time to do a bit of a catch up with the ups and downs and and what we've sort of been feeling over the past few months there.","start":77.095,"end":85.65,"sentiment":"neutral","sentiment_score":0.12597920442389887},{"text":"Before I jump into the call completely, Jay, and go through your details, I do have to let you know we do record our calls for quality and training purposes.","start":85.89,"end":92.29,"sentiment":"neutral","sentiment_score":0.0897744320333004},{"text":"Are you happy for me to proceed with that?","start":92.29,"end":94.39,"sentiment":"neutral","sentiment_score":0.1412828059660064}],"sentiment":"neutral","sentiment_score":0.1280865182124433,"num_words":105,"start":73.735,"end":94.39},{"sentences":[{"text":"Yep.","start":96.21,"end":96.69,"sentiment":"neutral","sentiment_score":0.2402463257312775},{"text":"Beautiful.","start":96.69,"end":97.17,"sentiment":"positive","sentiment_score":0.4538729190826416},{"text":"And just to do security there with you as well, just to confirm, your full name, your date of birth, and address I should have on file.","start":97.17,"end":103.185,"sentiment":"neutral","sentiment_score":0.17099915251687722},{"text":"Yep.","start":112.46,"end":112.96,"sentiment":"neutral","sentiment_score":0.012350371107459068},{"text":"Beautiful.","start":117.259995,"end":117.759995,"sentiment":"positive","sentiment_score":0.6148027181625366}],"sentiment":"neutral","sentiment_score":0.19155643393676128,"num_words":31,"start":96.21,"end":117.759995},{"sentences":[{"text":"Thank you so much for that.","start":117.899994,"end":119.34,"sentiment":"positive","sentiment_score":0.6905280550320944},{"text":"For a second there, I thought you'd forgotten.","start":119.34,"end":121.03999,"sentiment":"neutral","sentiment_score":0.028658406401518732},{"text":"No.","start":131.275,"end":131.675,"sentiment":"neutral","sentiment_score":-0.06766700744628906},{"text":"That's okay.","start":131.675,"end":132.315,"sentiment":"neutral","sentiment_score":-0.0335647352039814},{"text":"So I don't have anything I need to send out or to show you today.","start":132.315,"end":135.675,"sentiment":"neutral","sentiment_score":-0.056701386471589406}],"sentiment":"neutral","sentiment_score":0.10584744707739446,"num_words":32,"start":117.899994,"end":135.675},{"sentences":[{"text":"It's more just a bit of a quick catch up just to sort of see how things are going for you.","start":135.675,"end":138.99,"sentiment":"neutral","sentiment_score":0.020533012847105663},{"text":"I know you are due to have your annual review in a few months, and we'll go through and do a full proper review.","start":138.99,"end":144.13,"sentiment":"neutral","sentiment_score":0.03448516487454375},{"text":"But I know just sort of having a look at the markets, we have seen a lot of ups and downs there, and I won't show if you at your super very often, but we have this year been feeling a lot of that volatility with what's occurring between The US and Iran.","start":144.75,"end":157.095,"sentiment":"neutral","sentiment_score":-0.1132640042254385},{"text":"But also here in Australia, we are seeing high inflationary pressures as well, and high inflation takes a bit of a hit on defensive investments, so things like bonds.","start":157.635,"end":167.84,"sentiment":"neutral","sentiment_score":-0.18213541857127485},{"text":"Whereas, obviously, the the war in Iran has affected equity markets a little bit.","start":168.7,"end":173.02,"sentiment":"neutral","sentiment_score":-0.22503335028886795}],"sentiment":"neutral","sentiment_score":-0.09345070240979499,"num_words":141,"start":135.675,"end":173.02},{"sentences":[{"text":"And because you're in a high growth portfolio, you are seeing you are taking a bit more risk in the market to obtain greater levels of return.","start":173.02,"end":180.595,"sentiment":"neutral","sentiment_score":-0.13982722052821406},{"text":"But it also means that in these sorts of times, you are gonna see those downs a little bit where your portfolio sees a bit of a a pullback or a bit of a negative return.","start":181.05501,"end":189.155,"sentiment":"neutral","sentiment_score":-0.16610627176447046},{"text":"And it's about just sort of waiting through those and making sure that we can, you know, hopefully, not cement too much in the way of losses and just allowing your portfolio to come back and sort of recover out of that those downtimes.","start":189.79,"end":202.37,"sentiment":"neutral","sentiment_score":-0.2014572252942757},{"text":"Okay?","start":202.99,"end":203.49,"sentiment":"neutral","sentiment_score":-0.04198042303323746},{"text":"Yeah.","start":214.695,"end":215.015,"sentiment":"neutral","sentiment_score":-0.01669938862323761}],"sentiment":"neutral","sentiment_score":-0.17135741708612223,"num_words":109,"start":173.02,"end":215.015},{"sentences":[{"text":"Yeah.","start":215.015,"end":215.515,"sentiment":"neutral","sentiment_score":-0.003905470948666334},{"text":"Yeah.","start":216.14,"end":216.54,"sentiment":"neutral","sentiment_score":0.06092524901032448},{"text":"So when I sort of look at the way things have been going, obviously, December, your balance is a bit over a $180,008.73.","start":216.54,"end":223.66,"sentiment":"neutral","sentiment_score":0.02371373966984127},{"text":"Your balance is still at that sort of $180,000 mark.","start":223.66,"end":226.86,"sentiment":"neutral","sentiment_score":-0.026799315959215163},{"text":"You are down a little bit on the balance in December there, essentially, from the early this year from sort of October where we saw really good positive returns December again.","start":226.86,"end":237.275,"sentiment":"neutral","sentiment_score":0.049552732417660374}],"sentiment":"neutral","sentiment_score":0.02834208084580799,"num_words":66,"start":215.015,"end":237.275},{"sentences":[{"text":"But then sort of from there this year, around about March was probably our biggest downturn with what was occurring globally.","start":237.735,"end":244.715,"sentiment":"negative","sentiment_score":-0.4398640585797174},{"text":"The portfolios have sort of come back, and the market is recovering a little bit there, but we're not really back at that point where we were when you sort of look at where you were in October.","start":246.03001,"end":254.77,"sentiment":"neutral","sentiment_score":-0.2712195343092868},{"text":"So I just sort of wanna, for the moment, just sort of sit on things.","start":254.91,"end":259.41,"sentiment":"neutral","sentiment_score":-0.0009830765426158904},{"text":"I'm not making any changes at the moment.","start":259.585,"end":261.66498,"sentiment":"neutral","sentiment_score":-0.2836273517459631},{"text":"I'd rather just sort of allow things to recover, give you the full year from your review, and we come back at review time and just review the portfolio as a whole, look at your goals, and sort of see if we make any changes at that point.","start":261.66498,"end":273.41,"sentiment":"neutral","sentiment_score":0.08959984802640975}],"sentiment":"neutral","sentiment_score":-0.1348189214674326,"num_words":130,"start":237.735,"end":273.41},{"sentences":[{"text":"There are some changes I think we might need to make to the portfolio.","start":273.73,"end":276.71,"sentiment":"neutral","sentiment_score":-0.10521339092935834},{"text":"But right now, I feel like I don't wanna cement too much in the way of losses.","start":277.65,"end":281.25,"sentiment":"negative","sentiment_score":-0.4637885321589077},{"text":"So I'd rather just sort of see if we can come out of this time, the volatility between what's happening in overseas as well as, obviously, end of financial year.","start":281.25,"end":291.16498,"sentiment":"neutral","sentiment_score":-0.30604493667682015},{"text":"There is those ups and downs this time of year as well because people are taking profits.","start":291.625,"end":295.705,"sentiment":"negative","sentiment_score":-0.36372532125781565},{"text":"They are selling off and altering portfolios to kind of, you know, cement loss to tax time and cement gains and full income and things like that.","start":295.705,"end":303.72,"sentiment":"negative","sentiment_score":-0.3567556783005043}],"sentiment":"neutral","sentiment_score":-0.32718547043346224,"num_words":105,"start":273.73,"end":303.72},{"sentences":[{"text":"So it is a bit of a volatile time out there, but I just wanted to make sure that I was touching base with you and talking you through that and giving you an update.","start":303.72,"end":312.28,"sentiment":"neutral","sentiment_score":-0.0004678096090044294},{"text":"And I will be honest, Markets do go down.","start":312.28,"end":315.915,"sentiment":"neutral","sentiment_score":-0.15785515722301272},{"text":"They do have these kinds of reactions, and I wanted to make sure that you didn't feel forgotten that, you know, we were here and that I was talking you through that, and I'll always stand for and for when a when a year isn't great.","start":315.915,"end":328.73502,"sentiment":"neutral","sentiment_score":0.0021428427780451984},{"text":"I'll let you know and be honest with you and let you know why it's not great and that you're still young enough.","start":329.31,"end":334.11,"sentiment":"negative","sentiment_score":-0.46002452010693756},{"text":"You're not retiring just yet, so let's sort of push through and keep reviewing it moving forward.","start":334.11,"end":339.40997,"sentiment":"neutral","sentiment_score":-0.22622544888187857}],"sentiment":"neutral","sentiment_score":-0.12126842751525915,"num_words":130,"start":303.72,"end":339.40997},{"sentences":[{"text":"Okay?","start":339.71,"end":340.21,"sentiment":"neutral","sentiment_score":-0.02836575359106064},{"text":"Yeah.","start":342.765,"end":343.265,"sentiment":"neutral","sentiment_score":0.0056203315034508705},{"text":"So your MLC in no.","start":354.06,"end":355.97998,"sentiment":"neutral","sentiment_score":-0.07119128480553627},{"text":"Your MLC insurance is being paid out of your hub 24.","start":355.97998,"end":358.69998,"sentiment":"neutral","sentiment_score":-0.07372957501899112},{"text":"So we changed where that was being paid from.","start":358.69998,"end":361.19998,"sentiment":"neutral","sentiment_score":-0.055881776743465}],"sentiment":"neutral","sentiment_score":-0.0626912282227918,"num_words":27,"start":339.71,"end":361.19998},{"sentences":[{"text":"It's being paid out of your hub twenty four.","start":361.25998,"end":363.34,"sentiment":"neutral","sentiment_score":-0.014625442835191885},{"text":"Yeah.","start":363.34,"end":363.65997,"sentiment":"neutral","sentiment_score":0.05003231018781662},{"text":"Yes.","start":363.65997,"end":363.97998,"sentiment":"neutral","sentiment_score":0.0755055844783783},{"text":"So those premiums come out of hub twenty four, and I can tell you when they come out of there as well just to make sure.","start":363.97998,"end":371.10498,"sentiment":"neutral","sentiment_score":0.057390463180266894},{"text":"So let's have a look.","start":372.04498,"end":374.38498,"sentiment":"neutral","sentiment_score":0.017244665138423442}],"sentiment":"neutral","sentiment_score":0.037435339941155346,"num_words":42,"start":361.25998,"end":374.38498},{"sentences":[{"text":"Sorry.","start":378.285,"end":378.60498,"sentiment":"neutral","sentiment_score":-0.1809404194355011},{"text":"Won't be a second.","start":378.60498,"end":379.585,"sentiment":"neutral","sentiment_score":-0.16824919753707945},{"text":"That's alright.","start":379.71,"end":380.61,"sentiment":"neutral","sentiment_score":-0.004051485797390342},{"text":"It is.","start":383.78998,"end":384.53,"sentiment":"neutral","sentiment_score":-0.010744363069534302},{"text":"Yeah.","start":395.005,"end":395.505,"sentiment":"neutral","sentiment_score":0.03097420185804367}],"sentiment":"neutral","sentiment_score":-0.08525547054596246,"num_words":10,"start":378.285,"end":395.505},{"sentences":[{"text":"Yeah.","start":402.685,"end":403.185,"sentiment":"neutral","sentiment_score":-0.03383750841021538},{"text":"Okay.","start":407.66,"end":408.16,"sentiment":"neutral","sentiment_score":-0.22061505913734436},{"text":"Okay.","start":410.86,"end":411.36,"sentiment":"neutral","sentiment_score":-0.1940542310476303},{"text":"Yeah.","start":437.21,"end":437.71,"sentiment":"neutral","sentiment_score":-0.03899199143052101},{"text":"Mhmm.","start":449.065,"end":449.565,"sentiment":"neutral","sentiment_score":-0.061150290071964264}],"sentiment":"neutral","sentiment_score":-0.10972981601953506,"num_words":5,"start":402.685,"end":449.565},{"sentences":[{"text":"Yeah.","start":449.785,"end":450.285,"sentiment":"neutral","sentiment_score":-0.008085636422038078},{"text":"Yeah.","start":451.465,"end":451.965,"sentiment":"neutral","sentiment_score":-0.05464275926351547},{"text":"Well, not necessarily.","start":481.31,"end":482.37,"sentiment":"neutral","sentiment_score":-0.00016579156120618185},{"text":"If you decide that you do wanna go back to an industry fund and look, we're never gonna hold you here.","start":482.59,"end":486.91,"sentiment":"neutral","sentiment_score":0.0009785322028966177},{"text":"If it's not something you want, you don't see the value in it, that's absolutely fine.","start":486.91,"end":490.85,"sentiment":"neutral","sentiment_score":-0.04268918820889667}],"sentiment":"neutral","sentiment_score":-0.017278657272635473,"num_words":42,"start":449.785,"end":490.85},{"sentences":[{"text":"If you do go back to an industry super fund, you can actually have your insurances paid out of that fund.","start":491.535,"end":496.835,"sentiment":"positive","sentiment_score":0.3533581367560795},{"text":"It just means that you need to have a change of essentially, it's an enduring rollover form, but you can have those paid out of an industry fund.","start":497.455,"end":506.91,"sentiment":"neutral","sentiment_score":0.23833072664482252},{"text":"It's not a problem at all.","start":506.91,"end":508.03,"sentiment":"positive","sentiment_score":0.47530857225259143},{"text":"You don't have to retain hub 24.","start":508.03,"end":510.13,"sentiment":"neutral","sentiment_score":0.16627903708389827},{"text":"But if you sort of the other thing I kinda wanna look at is because your income is there, to be able to grow your super and really affect the compounding, we do need to make sure contributions are going in, but also review the portfolio on a regular basis.","start":510.83002,"end":523.115,"sentiment":"neutral","sentiment_score":0.2001202429831028}],"sentiment":"neutral","sentiment_score":0.2510321255374168,"num_words":112,"start":491.535,"end":523.115},{"sentences":[{"text":"So do you find you have any extra money?","start":523.115,"end":526.155,"sentiment":"neutral","sentiment_score":0.04963701301150852},{"text":"Are you wanting to maybe look at salary sacrificing to help provide that boost to your super, or do you have any kind of excess cash you can be putting in even sort of 20 or $40 in a fortnightly or monthly basis?","start":526.155,"end":537.47,"sentiment":"neutral","sentiment_score":0.030313113032905167},{"text":"Are you sort of open to doing anything like that?","start":538.00995,"end":540.50995,"sentiment":"neutral","sentiment_score":-0.11850797981023789},{"text":"Yeah.","start":543.545,"end":544.045,"sentiment":"neutral","sentiment_score":-0.09816015511751176},{"text":"Yeah.","start":552.105,"end":552.605,"sentiment":"neutral","sentiment_score":-0.029145849868655205}],"sentiment":"neutral","sentiment_score":0.006840799600468017,"num_words":64,"start":523.115,"end":552.605},{"sentences":[{"text":"No.","start":552.665,"end":552.90497,"sentiment":"neutral","sentiment_score":-0.07642824202775955},{"text":"That's okay.","start":552.90497,"end":553.64496,"sentiment":"neutral","sentiment_score":-0.09121395647525787},{"text":"Yeah.","start":566.04,"end":566.54,"sentiment":"neutral","sentiment_score":0.026153545826673508},{"text":"Yeah.","start":583.75,"end":584.25,"sentiment":"neutral","sentiment_score":-0.06533493846654892},{"text":"Yep.","start":602.96497,"end":603.46497,"sentiment":"neutral","sentiment_score":-0.12111111730337144}],"sentiment":"neutral","sentiment_score":-0.06985811082025369,"num_words":6,"start":552.665,"end":603.46497},{"sentences":[{"text":"Yeah.","start":607.45996,"end":607.95996,"sentiment":"neutral","sentiment_score":-0.06506018340587616},{"text":"No.","start":608.42,"end":608.82,"sentiment":"neutral","sentiment_score":-0.12959063053131104},{"text":"Understandable.","start":608.82,"end":609.32,"sentiment":"neutral","sentiment_score":-0.1073269546031952},{"text":"I think it's one of the things I would probably point out is that when you think about the super fund, the super fund is just essentially the vehicle.","start":609.54,"end":616.33997,"sentiment":"neutral","sentiment_score":-0.024347668385197377},{"text":"It's just the holding where the money goes into What essentially gets you the returns and makes your portfolio work is the underlying investment.","start":616.33997,"end":624.725,"sentiment":"neutral","sentiment_score":0.0010089951877792676}],"sentiment":"neutral","sentiment_score":-0.01756864762865007,"num_words":56,"start":607.45996,"end":624.725},{"sentences":[{"text":"So whether your funds are in a super fund with, say, Netwealth, BT Panorama, AMP, my north, or hub twenty four, or an industry super fund, The super fund itself is just a vehicle.","start":625.02496,"end":637.3,"sentiment":"neutral","sentiment_score":0.015678918482187915},{"text":"Think of it like the car.","start":637.3,"end":638.68,"sentiment":"neutral","sentiment_score":0.0260322658965985},{"text":"Your funds are going into the car.","start":639.14,"end":640.58,"sentiment":"neutral","sentiment_score":0.003873413162572043},{"text":"You sit in the car, but it doesn't actually get you anywhere unless you have fuel in the vehicle.","start":640.58,"end":644.76,"sentiment":"neutral","sentiment_score":-0.04784280257789712},{"text":"And the fuel is essentially the underlying investment.","start":644.98,"end":647.48,"sentiment":"neutral","sentiment_score":-0.042295190040022135}],"sentiment":"neutral","sentiment_score":-0.007175460180922135,"num_words":74,"start":625.02496,"end":647.48},{"sentences":[{"text":"So all funds are gonna have different investment managers.","start":647.62,"end":651.065,"sentiment":"neutral","sentiment_score":-0.030009885215097003},{"text":"We obviously have access to different options as well.","start":651.605,"end":654.745,"sentiment":"neutral","sentiment_score":0.0009471947948137919},{"text":"If you wanted to, I could also look at a cheaper product in Superfund for you.","start":655.125,"end":658.88495,"sentiment":"neutral","sentiment_score":0.035574896493926644},{"text":"So you don't have to stay in Hub 24.","start":658.88495,"end":660.725,"sentiment":"neutral","sentiment_score":-0.026710814485947292},{"text":"If you're finding it's not really suited for you, we have access to other products out there.","start":660.725,"end":665.99005,"sentiment":"neutral","sentiment_score":-0.1277233322753626}],"sentiment":"neutral","sentiment_score":-0.035067664148906864,"num_words":60,"start":647.62,"end":665.99005},{"sentences":[{"text":"I do wanna kinda limit moving you between different funds because the more, essentially, the more times you sell down your investments and move your money around, your super fund, just like you, does a tax return every year, and it does have to account for income tax and capital gains and things like that.","start":665.99005,"end":682.815,"sentiment":"neutral","sentiment_score":-0.03736224408176812},{"text":"So selling down the investments to roll the funds to another fund does have a capital gains or a tax consequence on there for you or for your funds.","start":682.815,"end":691.875,"sentiment":"neutral","sentiment_score":-0.10670160572847416},{"text":"Yeah.","start":692.35004,"end":692.83,"sentiment":"neutral","sentiment_score":0.06702771782875061},{"text":"Yeah.","start":692.83,"end":693.31,"sentiment":"neutral","sentiment_score":0.08568581193685532},{"text":"So when you buy and sell investments, your super fund does also have tax consequences.","start":693.31,"end":698.21,"sentiment":"neutral","sentiment_score":0.05317535574237506}],"sentiment":"neutral","sentiment_score":-0.04157352598734421,"num_words":101,"start":665.99005,"end":698.21},{"sentences":[{"text":"So, like, for yourself, you know, how when you have income paid from your employer, they pay income tax or you pay income tax comes out of your income.","start":698.35004,"end":706.45,"sentiment":"neutral","sentiment_score":0.017780905268315612},{"text":"The same thing sorta happens to when dividend payments are made or cash payments are made from investments to your cash account.","start":706.915,"end":712.855,"sentiment":"neutral","sentiment_score":0.022120064971121876},{"text":"Tax has to be accounted for at the end of the financial year, so your super fund does a tax return.","start":713.475,"end":718.53503,"sentiment":"neutral","sentiment_score":-0.0016175469472294755},{"text":"When you are buying and selling investments, there is, you know, tax consequences, capital gains consequences for that.","start":718.835,"end":726.08997,"sentiment":"neutral","sentiment_score":-0.05104147953291734},{"text":"It doesn't affect you as an individual, but it does come out of your super funds.","start":726.08997,"end":730.01,"sentiment":"neutral","sentiment_score":-0.025387279980350286}],"sentiment":"neutral","sentiment_score":-0.0033643765568311486,"num_words":106,"start":698.35004,"end":730.01},{"sentences":[{"text":"So buying and selling on a regular basis does cause that sort of a consequence.","start":730.01,"end":733.79,"sentiment":"neutral","sentiment_score":-0.18442478378613789},{"text":"Yeah.","start":737.665,"end":738.165,"sentiment":"neutral","sentiment_score":-0.08308109641075134},{"text":"Yeah.","start":738.70496,"end":739.20496,"sentiment":"neutral","sentiment_score":-0.07967978715896606},{"text":"Yeah.","start":739.90497,"end":740.40497,"sentiment":"neutral","sentiment_score":-0.05912445858120918},{"text":"Can't can't remember exactly because that was all kinda dealt with in Netwealth, but I can tell you the tax liability on your super fund at the moment is showing me a negative of 522.","start":748.0,"end":760.24,"sentiment":"neutral","sentiment_score":-0.2570998115198953}],"sentiment":"neutral","sentiment_score":-0.2261651038139496,"num_words":53,"start":730.01,"end":760.24},{"sentences":[{"text":"So it is showing me that your super fund has more of a tax loss of $522 as opposed to a capital gain that they have to account for.","start":760.24,"end":768.64496,"sentiment":"negative","sentiment_score":-0.33775324913962135},{"text":"Yeah.","start":770.545,"end":771.045,"sentiment":"neutral","sentiment_score":-0.04675920307636261},{"text":"Yeah.","start":774.08,"end":774.48,"sentiment":"neutral","sentiment_score":-0.049026213586330414},{"text":"I can't remember exactly.","start":774.48,"end":775.94,"sentiment":"neutral","sentiment_score":-0.10938946716487408},{"text":"It's all kind of it was all sort of dealt within Netwealth when that all happened at the end of twenty twenty four.","start":776.56,"end":782.18,"sentiment":"neutral","sentiment_score":-0.07427888736128807}],"sentiment":"neutral","sentiment_score":-0.20752761930484195,"num_words":58,"start":760.24,"end":782.18},{"sentences":[{"text":"So I can't remember exactly what that was.","start":782.72,"end":785.14,"sentiment":"neutral","sentiment_score":-0.07263894705101848},{"text":"But, yeah, essentially, that's what I have to that's the way that kind of works is that your super funds and all super funds have the same thing.","start":785.51996,"end":792.185,"sentiment":"neutral","sentiment_score":0.05622696450778416},{"text":"They're all essentially is like a trust.","start":792.185,"end":794.745,"sentiment":"neutral","sentiment_score":0.04856968245335987},{"text":"It's it's a you know, think of it like another person that's holding the money.","start":794.745,"end":798.34503,"sentiment":"neutral","sentiment_score":-0.009871559590101242},{"text":"It still has to do other tax returns all the time.","start":798.34503,"end":801.405,"sentiment":"neutral","sentiment_score":-0.14994355968453668}],"sentiment":"neutral","sentiment_score":-0.006727845556494119,"num_words":69,"start":782.72,"end":801.405},{"sentences":[{"text":"But I wanna make sure that you are getting value out of our services as well.","start":801.99,"end":804.95,"sentiment":"positive","sentiment_score":0.5053400667384267},{"text":"And if you are not finding that there is any value to it, you don't see that the advice is providing value, then I completely understand that.","start":804.95,"end":811.27,"sentiment":"neutral","sentiment_score":-0.024489647812313504},{"text":"I'm not gonna sorta hold you here.","start":811.27,"end":813.21,"sentiment":"neutral","sentiment_score":-0.1038714913385255},{"text":"But I do wanna make sure I answer any questions that you have.","start":813.43,"end":815.99,"sentiment":"neutral","sentiment_score":0.24325414689687583},{"text":"And we also have, you know, Hub twenty four.","start":815.99,"end":819.175,"sentiment":"neutral","sentiment_score":0.12103913144932853}],"sentiment":"neutral","sentiment_score":0.15206633653077814,"num_words":72,"start":801.99,"end":819.175},{"sentences":[{"text":"What is the the main thing that you're finding difficult about Hub that you sort of did like about Netwealth?","start":819.235,"end":823.795,"sentiment":"neutral","sentiment_score":0.0005826544016599655},{"text":"Is there anything specific that I can kind of take on board for you and maybe answer or help with?","start":823.795,"end":829.875,"sentiment":"neutral","sentiment_score":0.04737168746069074},{"text":"Or yep.","start":829.875,"end":839.31,"sentiment":"neutral","sentiment_score":-0.13991446048021317},{"text":"Yeah.","start":846.665,"end":847.165,"sentiment":"neutral","sentiment_score":-0.13750435411930084},{"text":"Yeah.","start":855.64,"end":855.96,"sentiment":"neutral","sentiment_score":-0.15664121508598328}],"sentiment":"neutral","sentiment_score":0.0087525533427569,"num_words":44,"start":819.235,"end":855.96},{"sentences":[{"text":"Okay.","start":855.96,"end":856.46,"sentiment":"neutral","sentiment_score":-0.14027750492095947},{"text":"Yeah.","start":860.44,"end":860.94,"sentiment":"neutral","sentiment_score":-0.029496468603610992},{"text":"Yeah.","start":868.375,"end":868.875,"sentiment":"neutral","sentiment_score":0.039218075573444366},{"text":"Yeah.","start":870.69495,"end":871.19495,"sentiment":"neutral","sentiment_score":0.07284178584814072},{"text":"Yeah.","start":880.31,"end":880.81,"sentiment":"neutral","sentiment_score":-0.01600462570786476}],"sentiment":"neutral","sentiment_score":-0.014743747562170029,"num_words":5,"start":855.96,"end":880.81},{"sentences":[{"text":"Yes.","start":883.67,"end":884.17,"sentiment":"neutral","sentiment_score":0.010313790291547775},{"text":"Yeah.","start":885.51,"end":886.01,"sentiment":"neutral","sentiment_score":0.021416714414954185},{"text":"Yeah.","start":889.83,"end":890.23,"sentiment":"neutral","sentiment_score":-0.01903694123029709},{"text":"Of course.","start":890.23,"end":890.89,"sentiment":"neutral","sentiment_score":-0.10501214116811752},{"text":"Yeah.","start":903.22,"end":903.72,"sentiment":"neutral","sentiment_score":-0.13177719712257385}],"sentiment":"neutral","sentiment_score":-0.054851319330434,"num_words":6,"start":883.67,"end":903.72},{"sentences":[{"text":"Yeah.","start":926.995,"end":927.33,"sentiment":"neutral","sentiment_score":-0.032510906457901},{"text":"Yeah.","start":928.53,"end":929.03,"sentiment":"neutral","sentiment_score":-0.00980461947619915},{"text":"Yeah.","start":930.45,"end":930.95,"sentiment":"neutral","sentiment_score":-0.00472809374332428},{"text":"Just a second.","start":933.09,"end":933.91003,"sentiment":"neutral","sentiment_score":-0.054898831993341446},{"text":"Yep.","start":943.425,"end":943.925,"sentiment":"neutral","sentiment_score":-0.009683363139629364}],"sentiment":"neutral","sentiment_score":-0.03163192554243973,"num_words":7,"start":926.995,"end":943.925},{"sentences":[{"text":"Yep.","start":953.6,"end":954.1,"sentiment":"neutral","sentiment_score":0.03747797757387161},{"text":"No.","start":954.39996,"end":954.64,"sentiment":"neutral","sentiment_score":-0.04147906228899956},{"text":"That's okay.","start":954.64,"end":955.27997,"sentiment":"neutral","sentiment_score":0.06941379606723785},{"text":"That's absolutely fine.","start":955.27997,"end":956.36,"sentiment":"positive","sentiment_score":0.3773190478483836},{"text":"I mean, with where with where our services are and with our ongoing service fee, at the moment, it is at 1.65% per annum.","start":956.36,"end":964.42,"sentiment":"neutral","sentiment_score":0.03443395586994787}],"sentiment":"neutral","sentiment_score":0.06752253522074991,"num_words":31,"start":953.6,"end":964.42},{"sentences":[{"text":"And as a percentage based fee, it does fluctuate with the market.","start":964.48,"end":968.3251,"sentiment":"neutral","sentiment_score":-0.0027182294676701226},{"text":"So the idea of our fee is that it is linked to the the performance of your super.","start":968.3251,"end":971.80505,"sentiment":"neutral","sentiment_score":0.03491093383895026},{"text":"So if your super does see a downtime, like this year, we have seen those ups and downs.","start":971.80505,"end":976.30505,"sentiment":"neutral","sentiment_score":-0.14141066869099936},{"text":"And it's not just your super.","start":976.60504,"end":978.04504,"sentiment":"neutral","sentiment_score":-0.14497321719924608},{"text":"It's everyone's.","start":978.04504,"end":978.78503,"sentiment":"neutral","sentiment_score":-0.11874353885650635}],"sentiment":"neutral","sentiment_score":-0.05458822074745383,"num_words":56,"start":964.48,"end":978.78503},{"sentences":[{"text":"All industry funds as well have all kind of felt the effects of what's been going on globally and have had those downtime this year as well.","start":978.84503,"end":985.94,"sentiment":"neutral","sentiment_score":-0.17905079583740896},{"text":"So it does mean that our our fee does take a bit of a dip there with it.","start":986.4,"end":990.10004,"sentiment":"neutral","sentiment_score":-0.04486026739080747},{"text":"All super funds are definitely gonna have, like, administration fees and investment management fees.","start":990.48004,"end":995.44,"sentiment":"neutral","sentiment_score":-0.0008358479078326901},{"text":"Those will fluctuate depending on what investments you're in and what super fund you have.","start":995.44,"end":999.53503,"sentiment":"neutral","sentiment_score":0.0009332231556375821},{"text":"A bitly hub 24 is sometimes can be a little bit higher than industry super funds, but it is also a retail platform.","start":999.995,"end":1007.53503,"sentiment":"neutral","sentiment_score":0.03653756934015647}],"sentiment":"neutral","sentiment_score":-0.04947624463088734,"num_words":97,"start":978.84503,"end":1007.53503},{"sentences":[{"text":"So you do sort of prefer to have adviser access to be able to sort of utilize this sort of a platform and be able to manage investments and things like that.","start":1007.755,"end":1016.42004,"sentiment":"neutral","sentiment_score":0.1251925053074956},{"text":"But if you are finding that you are struggling in what reports on a regular basis, part of our service is that you do have me here to do those sorts of things for you.","start":1016.42004,"end":1025.14,"sentiment":"neutral","sentiment_score":0.03699268916887896},{"text":"So if you do want, like, a report, if you if you want me to send you something sort of once every month or every two months, I'm absolutely happy to do that for you.","start":1025.14,"end":1033.815,"sentiment":"positive","sentiment_score":0.6633040922028678},{"text":"You get that's all part of our services.","start":1034.355,"end":1036.275,"sentiment":"positive","sentiment_score":0.7239275351166725},{"text":"It's not just a call once every couple of months or once every year to review the investments.","start":1036.275,"end":1041.05,"sentiment":"positive","sentiment_score":0.4234470807843738}],"sentiment":"neutral","sentiment_score":0.3275782441633055,"num_words":128,"start":1007.755,"end":1041.05},{"sentences":[{"text":"It's about making sure that I'm here for whatever you need.","start":1041.05,"end":1043.6901,"sentiment":"positive","sentiment_score":0.6289021589539268},{"text":"And you can call me or email me or let me know if you have any questions throughout the year.","start":1043.6901,"end":1048.0901,"sentiment":"positive","sentiment_score":0.49417846500873563},{"text":"I'm here to sort of help you do that, give you advice as often as you needed as well and make sure because our advice is all part of the ongoing service fee.","start":1048.0901,"end":1057.155,"sentiment":"positive","sentiment_score":0.6051526421850378},{"text":"Any new advice we provide is fully complimentary as part of that.","start":1057.155,"end":1060.755,"sentiment":"positive","sentiment_score":0.6186127612988154},{"text":"So if you want me to help generate reports to save you, you know, having to deal with the app, I know not every it's not everyone's cup of tea, I can happily go in there every month or every couple of weeks and generate a report or give you a call and give you an update on what's happening.","start":1060.755,"end":1075.85,"sentiment":"positive","sentiment_score":0.4756306658188502}],"sentiment":"positive","sentiment_score":0.5347994362168452,"num_words":136,"start":1041.05,"end":1075.85},{"sentences":[{"text":"You just let me know what it is that you actually want me to do, and I'll I'll make sure I do that for you.","start":1076.47,"end":1080.95,"sentiment":"positive","sentiment_score":0.42044025897979737},{"text":"Did you want me to start generating something for you regularly to sort of help you along?","start":1080.95,"end":1085.705,"sentiment":"neutral","sentiment_score":0.21993678019327276},{"text":"Yeah.","start":1092.485,"end":1092.985,"sentiment":"neutral","sentiment_score":-0.05848018079996109},{"text":"No.","start":1093.6849,"end":1094.005,"sentiment":"neutral","sentiment_score":-0.16526979207992554},{"text":"You don't.","start":1094.005,"end":1094.565,"sentiment":"neutral","sentiment_score":-0.19775217026472092}],"sentiment":"neutral","sentiment_score":0.2963190744428531,"num_words":46,"start":1076.47,"end":1094.565},{"sentences":[{"text":"No.","start":1094.565,"end":1094.8049,"sentiment":"neutral","sentiment_score":-0.16979339718818665},{"text":"You actually pay in arrears.","start":1094.8049,"end":1096.08,"sentiment":"neutral","sentiment_score":-0.1519674301147461},{"text":"So, essentially, with the ongoing service agreement, the amount comes out it's 1.65% per annum, but the amount does come out on a regular monthly basis.","start":1096.24,"end":1106.1,"sentiment":"neutral","sentiment_score":-0.0065268406357902745},{"text":"So it is the deducted each month.","start":1106.1599,"end":1108.82,"sentiment":"neutral","sentiment_score":0.010001742147973605},{"text":"If at any point you decide you don't wanna proceed with the services, you want us to turn our fees off, we can absolutely do that for you.","start":1109.0399,"end":1116.515,"sentiment":"neutral","sentiment_score":0.0013357826641627725}],"sentiment":"neutral","sentiment_score":-0.014804690965075992,"num_words":67,"start":1094.565,"end":1116.515},{"sentences":[{"text":"We'll stop the services.","start":1116.515,"end":1117.895,"sentiment":"neutral","sentiment_score":-0.027231518179178238},{"text":"If you decide you no longer want us to monitor your super, we can remove ourselves.","start":1118.595,"end":1122.695,"sentiment":"neutral","sentiment_score":-0.021040164632722735},{"text":"Or if you just wanna open an industry super fund and roll things over, you can do that.","start":1122.835,"end":1128.29,"sentiment":"neutral","sentiment_score":0.10654548741877079},{"text":"You just choose the funds you want.","start":1128.29,"end":1130.05,"sentiment":"neutral","sentiment_score":0.13786612238202775},{"text":"You open the super fund up and request the rollover via the portal, and the industry fund will roll everything over.","start":1130.05,"end":1136.9501,"sentiment":"neutral","sentiment_score":0.13744000540602774}],"sentiment":"neutral","sentiment_score":0.08065989449846023,"num_words":66,"start":1116.515,"end":1136.9501},{"sentences":[{"text":"And then we can provide you with the enduring rollover form so you can have that completed and sent to MLC.","start":1137.4451,"end":1143.0651,"sentiment":"neutral","sentiment_score":0.12154355219432286},{"text":"The biggest thing I would probably make note of is with your insurances, they are indexed and they do increase.","start":1143.8451,"end":1149.545,"sentiment":"neutral","sentiment_score":0.01577218541642651},{"text":"So making sure you review review those insurances on a regular basis is important.","start":1149.685,"end":1154.13,"sentiment":"neutral","sentiment_score":0.045532805179911},{"text":"One of the biggest things with your super and having insurances paid out of super is that they do increase in premium every year as it goes through renewal.","start":1154.5099,"end":1162.35,"sentiment":"neutral","sentiment_score":-0.08818060108299913},{"text":"So those insurance will become very expensive and will have a greater effect on your super as you get older.","start":1162.35,"end":1168.635,"sentiment":"neutral","sentiment_score":-0.12680285423994064}],"sentiment":"neutral","sentiment_score":-0.01526900903151657,"num_words":104,"start":1137.4451,"end":1168.635},{"sentences":[{"text":"So you'll need to make sure you're able to review those, look at the cover you have, and look at, you know, reducing the cover or altering the cover as you need to, which is part of what we do.","start":1168.635,"end":1180.1799,"sentiment":"neutral","sentiment_score":-0.00896378391989856},{"text":"We look at the cover with you, look at how much you are paying, look at what you need, and try to, you know, review them with you on a regular basis so they're not costing you too much because they will get more expensive.","start":1180.1799,"end":1191.94,"sentiment":"neutral","sentiment_score":0.03154475887616475},{"text":"I mean, having a look at the premium as of the last document here, you paid out of your super $4,903, so they are starting to get quite expensive.","start":1191.94,"end":1201.115,"sentiment":"neutral","sentiment_score":-0.10889297428316083},{"text":"And we do obviously wanna make sure that you have the cover you want, but also making sure that your super isn't gonna be affected.","start":1201.975,"end":1209.0,"sentiment":"neutral","sentiment_score":0.015714912712574004},{"text":"You're not paying, you know, 10 or 20,000 out of out of your insurance premiums.","start":1209.0,"end":1213.0801,"sentiment":"neutral","sentiment_score":-0.11056224256753922}],"sentiment":"neutral","sentiment_score":-0.021834378456356694,"num_words":154,"start":1168.635,"end":1213.0801},{"sentences":[{"text":"And as you get closer to age 60, you know, years where you're 50 and onwards, those insurance premiums do become very expensive because the risk of you claiming increases, and it does tend to eat away your super a lot more as well.","start":1213.0801,"end":1227.055,"sentiment":"neutral","sentiment_score":-0.27164574136788194},{"text":"So just another thing I wanted to sort of make sure that I was opening up and giving you information on.","start":1227.055,"end":1232.335,"sentiment":"neutral","sentiment_score":-0.021088837335507076},{"text":"Yeah.","start":1232.335,"end":1232.835,"sentiment":"neutral","sentiment_score":-0.00493929348886013},{"text":"Yeah.","start":1235.135,"end":1235.635,"sentiment":"neutral","sentiment_score":0.1758570671081543},{"text":"Yeah.","start":1238.43,"end":1238.93,"sentiment":"neutral","sentiment_score":0.038163553923368454}],"sentiment":"neutral","sentiment_score":-0.17920877759837928,"num_words":68,"start":1213.0801,"end":1238.93},{"sentences":[{"text":"Yeah.","start":1241.7101,"end":1242.2101,"sentiment":"neutral","sentiment_score":0.016206495463848114},{"text":"We did.","start":1244.1901,"end":1245.01,"sentiment":"neutral","sentiment_score":0.021860686130821705},{"text":"Yeah.","start":1245.9501,"end":1246.4501,"sentiment":"neutral","sentiment_score":-0.005190839990973473},{"text":"Yeah.","start":1251.245,"end":1251.745,"sentiment":"neutral","sentiment_score":0.03534400463104248},{"text":"Yeah.","start":1251.9651,"end":1252.365,"sentiment":"neutral","sentiment_score":0.03531832620501518}],"sentiment":"neutral","sentiment_score":0.02089989309509595,"num_words":6,"start":1241.7101,"end":1252.365},{"sentences":[{"text":"That was because any any new with the pre assessment that you had, any new insurances we were able to obtain or any new insurances you're able to get anywhere Because of your history of mental health, they would have a mental health exclusion there.","start":1252.365,"end":1266.18,"sentiment":"neutral","sentiment_score":-0.3189376880725225},{"text":"And so you that was something that you didn't really want.","start":1267.12,"end":1270.16,"sentiment":"negative","sentiment_score":-0.4402311850677837},{"text":"Then your industry is pretty insane, and, you know, mental health is one of the biggest things.","start":1270.16,"end":1274.7201,"sentiment":"negative","sentiment_score":-0.5674663747058195},{"text":"And because you have had, you know, your history of mental health and depression, anxiety, and things like that, essentially, moving forward the risk of you having to claim, especially on, say, TBD for mental health was higher.","start":1274.7201,"end":1287.8049,"sentiment":"negative","sentiment_score":-0.5367529651052073},{"text":"So our conversation was around that exclusion would exist on any new policy, whereas it doesn't exist on your current policy.","start":1287.8049,"end":1295.49,"sentiment":"negative","sentiment_score":-0.3889783975623903}],"sentiment":"negative","sentiment_score":-0.43490019993800105,"num_words":132,"start":1252.365,"end":1295.49},{"sentences":[{"text":"So when we sort of talked about that, you made you made mention that you didn't wanna have a mental health exclusion.","start":1295.55,"end":1301.87,"sentiment":"neutral","sentiment_score":-0.28011216494170105},{"text":"So that's why we've retained MLP for the time being.","start":1301.87,"end":1304.85,"sentiment":"neutral","sentiment_score":-0.05984796043485403},{"text":"Yeah.","start":1305.355,"end":1305.855,"sentiment":"neutral","sentiment_score":-0.01632825843989849},{"text":"Yeah.","start":1315.2749,"end":1315.755,"sentiment":"neutral","sentiment_score":0.01149928942322731},{"text":"Review it?","start":1315.755,"end":1316.6549,"sentiment":"neutral","sentiment_score":-0.004229568876326084}],"sentiment":"neutral","sentiment_score":-0.1881732038843135,"num_words":36,"start":1295.55,"end":1316.6549},{"sentences":[{"text":"Yep.","start":1319.37,"end":1319.87,"sentiment":"neutral","sentiment_score":-0.01248607225716114},{"text":"Exclusion?","start":1324.09,"end":1324.59,"sentiment":"neutral","sentiment_score":-0.08029212057590485},{"text":"Yes.","start":1325.37,"end":1325.87,"sentiment":"neutral","sentiment_score":0.007092582061886787},{"text":"Yeah.","start":1329.465,"end":1329.945,"sentiment":"neutral","sentiment_score":0.03194908797740936},{"text":"Absolutely.","start":1329.945,"end":1330.445,"sentiment":"neutral","sentiment_score":0.0832519382238388}],"sentiment":"neutral","sentiment_score":0.005903083086013794,"num_words":5,"start":1319.37,"end":1330.445},{"sentences":[{"text":"So, normally, with a mental health exclusion, they do have the exclusion as generally for about three to five years.","start":1330.665,"end":1338.1849,"sentiment":"neutral","sentiment_score":-0.05044776368886232},{"text":"So if you've gone three to five years from your last symptom or treatment and not had any further symptoms or treatments, then they're willing to review that for you.","start":1338.1849,"end":1346.86,"sentiment":"neutral","sentiment_score":-0.0279188168545564},{"text":"Reviewing that generally requires filling out a form.","start":1347.4,"end":1350.78,"sentiment":"neutral","sentiment_score":-0.011539638275280595},{"text":"Sometimes they may request medical reports from your doctors just to show you haven't had any prescriptions for medication or treatment for mental health.","start":1351.08,"end":1359.605,"sentiment":"neutral","sentiment_score":-0.08411250247930487},{"text":"And those exclusions can absolutely be lifted.","start":1359.985,"end":1362.485,"sentiment":"neutral","sentiment_score":-0.01375635021499225}],"sentiment":"neutral","sentiment_score":-0.04554866737780276,"num_words":89,"start":1330.665,"end":1362.485},{"sentences":[{"text":"It's just a matter of weighing out the exclusion time frame.","start":1362.785,"end":1366.485,"sentiment":"neutral","sentiment_score":-0.14868765358220448},{"text":"One of the biggest reason why they have those is because after COVID, especially, mental health has been very, very big.","start":1367.105,"end":1374.19,"sentiment":"negative","sentiment_score":-0.3407056239389238},{"text":"And through COVID and beyond, mental health is one of the biggest things that insurance do that insurers have to pay claims on.","start":1374.57,"end":1382.65,"sentiment":"neutral","sentiment_score":-0.10881225959114406},{"text":"So, essentially, it is something that they're obviously mindful of.","start":1382.65,"end":1386.9249,"sentiment":"neutral","sentiment_score":-0.01774387527257204},{"text":"And the biggest thing is, like, the same thing applies with, like, your car insurance.","start":1387.065,"end":1390.585,"sentiment":"neutral","sentiment_score":0.014683283244570097}],"sentiment":"neutral","sentiment_score":-0.14062817208468914,"num_words":80,"start":1362.785,"end":1390.585},{"sentences":[{"text":"If you've got your car insurance and it doesn't cover storm damage, but the storm's coming in, we can't call the car insurance and have storm damage added to make sure our car is protected because the risk of them paying out is much higher due to the impending storm.","start":1390.585,"end":1404.64,"sentiment":"neutral","sentiment_score":-0.11741427421569824},{"text":"So the same thing sort of applies with the insurers there and and personal insurances.","start":1404.64,"end":1409.78,"sentiment":"neutral","sentiment_score":0.024782206490635873},{"text":"But, absolutely, it can be reviewed.","start":1410.585,"end":1413.005,"sentiment":"neutral","sentiment_score":0.13898804411292076},{"text":"It's not a problem, and we, you know, would wanna make sure we review that with you when and if it's possible to do so.","start":1413.065,"end":1419.165,"sentiment":"neutral","sentiment_score":0.2896189081668854},{"text":"Your insurance is your life insurance at the moment.","start":1419.5449,"end":1422.0449,"sentiment":"neutral","sentiment_score":0.06513040885329247}],"sentiment":"neutral","sentiment_score":0.030110419381942068,"num_words":105,"start":1390.585,"end":1422.0449},{"sentences":[{"text":"Have you had a look at the level of cover you've got currently?","start":1422.105,"end":1424.845,"sentiment":"neutral","sentiment_score":0.02122885576234414},{"text":"No?","start":1427.72,"end":1428.22,"sentiment":"neutral","sentiment_score":-0.05933964252471924},{"text":"That's okay.","start":1429.96,"end":1430.6,"sentiment":"neutral","sentiment_score":0.14566266536712646},{"text":"I've got it all here for you.","start":1430.6,"end":1432.04,"sentiment":"neutral","sentiment_score":0.19758038648537227},{"text":"So your life cover at the moment, in the event of passing away, pays out a lump sum benefit of $520,007.74.","start":1432.04,"end":1441.115,"sentiment":"neutral","sentiment_score":0.126896375701541}],"sentiment":"neutral","sentiment_score":0.10354198655113578,"num_words":44,"start":1422.105,"end":1441.115},{"sentences":[{"text":"And then if you did also pass away, your super benefit's also paid out.","start":1441.575,"end":1445.255,"sentiment":"neutral","sentiment_score":0.058585964143276215},{"text":"So you've got a bit over 180,000 in there at the moment as well.","start":1445.255,"end":1448.775,"sentiment":"neutral","sentiment_score":0.09094121546617576},{"text":"So when I kind of put those together for you $1.80.","start":1448.775,"end":1452.875,"sentiment":"neutral","sentiment_score":0.05915797230872241},{"text":"Sorry.","start":1454.4299,"end":1454.75,"sentiment":"neutral","sentiment_score":-0.06364929676055908},{"text":"Wait.","start":1454.75,"end":1454.99,"sentiment":"neutral","sentiment_score":-0.04903422296047211}],"sentiment":"neutral","sentiment_score":0.06418133390749373,"num_words":41,"start":1441.575,"end":1454.99},{"sentences":[{"text":"Wait.","start":1454.99,"end":1455.15,"sentiment":"neutral","sentiment_score":-0.05644328147172928},{"text":"One second.","start":1455.15,"end":1455.79,"sentiment":"neutral","sentiment_score":-0.04923291876912117},{"text":"I'm doing some quick math here.","start":1455.79,"end":1457.8099,"sentiment":"neutral","sentiment_score":-0.005674174676338832},{"text":"There we go.","start":1457.87,"end":1458.85,"sentiment":"neutral","sentiment_score":0.02438644754389922},{"text":"Together, your life insurance and your super benefit pays out a bit over 700,938.","start":1459.39,"end":1465.425,"sentiment":"neutral","sentiment_score":0.08684014635426658}],"sentiment":"neutral","sentiment_score":0.042306431712439425,"num_words":26,"start":1454.99,"end":1465.425},{"sentences":[{"text":"So it's not a bad life benefit together.","start":1465.665,"end":1468.5651,"sentiment":"neutral","sentiment_score":-0.06656768126413226},{"text":"The main sort of no.","start":1469.185,"end":1472.405,"sentiment":"negative","sentiment_score":-0.48778929114341735},{"text":"You are worth so much more alive to me.","start":1472.545,"end":1475.185,"sentiment":"negative","sentiment_score":-0.3631456361876594},{"text":"Please don't.","start":1475.185,"end":1476.165,"sentiment":"neutral","sentiment_score":-0.294894739985466},{"text":"No.","start":1483.44,"end":1483.6799,"sentiment":"negative","sentiment_score":-0.37898939847946167}],"sentiment":"neutral","sentiment_score":-0.2883431003987789,"num_words":25,"start":1465.665,"end":1483.6799},{"sentences":[{"text":"You are definitely not.","start":1483.6799,"end":1485.46,"sentiment":"negative","sentiment_score":-0.44669926166534424},{"text":"With with your TPD benefit, that is one of the things when we did look at and provide the advice last time.","start":1486.5599,"end":1492.6951,"sentiment":"neutral","sentiment_score":-0.05120475615628741},{"text":"Your TPD benefit there was kind of the lower benefit.","start":1492.6951,"end":1497.175,"sentiment":"neutral","sentiment_score":-0.16302445083856582},{"text":"You only have about a 195,000 of TPD.","start":1497.175,"end":1500.635,"sentiment":"neutral","sentiment_score":-0.021508663427084684},{"text":"But, again, if you are unable to go back to work ever again and you are permanently incapacitated, we can also claim that against your life in against your sorry.","start":1501.5751,"end":1510.3401,"sentiment":"negative","sentiment_score":-0.3453252394373218}],"sentiment":"neutral","sentiment_score":-0.20372125244623907,"num_words":74,"start":1483.6799,"end":1510.3401},{"sentences":[{"text":"Not your life in just against your super benefits.","start":1510.3401,"end":1512.74,"sentiment":"neutral","sentiment_score":-0.26689250932799446},{"text":"So you can also get your super paid out.","start":1512.74,"end":1515.06,"sentiment":"neutral","sentiment_score":0.30218861169285244},{"text":"So if I look at the one ninety five two 90 one yeah.","start":1515.06,"end":1518.5801,"sentiment":"neutral","sentiment_score":0.03419612333751642},{"text":"Absolutely.","start":1518.5801,"end":1519.0801,"sentiment":"neutral","sentiment_score":0.09035944938659668},{"text":"Mhmm.","start":1523.255,"end":1523.755,"sentiment":"neutral","sentiment_score":0.014205518178641796}],"sentiment":"neutral","sentiment_score":0.026266045219293148,"num_words":33,"start":1510.3401,"end":1523.755},{"sentences":[{"text":"Mhmm.","start":1525.495,"end":1525.995,"sentiment":"neutral","sentiment_score":-0.018095752224326137},{"text":"Not no.","start":1536.95,"end":1539.0299,"sentiment":"neutral","sentiment_score":-0.18180904537439346},{"text":"Not necessarily.","start":1539.0299,"end":1539.77,"sentiment":"neutral","sentiment_score":-0.19374895095825195},{"text":"No.","start":1540.47,"end":1540.7899,"sentiment":"neutral","sentiment_score":-0.12361758202314375},{"text":"So life is life, essentially, when we do get clients with previous health exist health issues, life doesn't tend to put exclusions on there.","start":1540.7899,"end":1551.8151,"sentiment":"neutral","sentiment_score":-0.03975677265164753}],"sentiment":"neutral","sentiment_score":-0.061566395685076714,"num_words":30,"start":1525.495,"end":1551.8151},{"sentences":[{"text":"You can't really exclude someone from dying from a certain aspect.","start":1551.8151,"end":1554.9551,"sentiment":"neutral","sentiment_score":-0.13066193732348355},{"text":"So they do add loadings onto life cover for preexisting that might affect life or provide a higher risk to life.","start":1555.015,"end":1562.4,"sentiment":"neutral","sentiment_score":-0.046670998579689434},{"text":"Yeah.","start":1565.02,"end":1565.3401,"sentiment":"neutral","sentiment_score":-0.033455174416303635},{"text":"But that's only at the time of application.","start":1565.3401,"end":1567.12,"sentiment":"neutral","sentiment_score":-0.08500513806939125},{"text":"So with your two policies at the moment, so I'm just looking at the certificate currency here for you.","start":1567.42,"end":1572.7001,"sentiment":"neutral","sentiment_score":0.028181325252118864}],"sentiment":"neutral","sentiment_score":-0.04325705633188288,"num_words":60,"start":1551.8151,"end":1572.7001},{"sentences":[{"text":"So with your two policies, you've actually got I'm just double checking.","start":1572.7001,"end":1577.375,"sentiment":"neutral","sentiment_score":0.07877980079501867},{"text":"They are linked.","start":1577.595,"end":1578.635,"sentiment":"neutral","sentiment_score":0.08752785871426265},{"text":"So your life is the main benefit, and your TPD is linked to the life.","start":1578.635,"end":1582.875,"sentiment":"neutral","sentiment_score":0.09641280223925909},{"text":"So if in the event you would have a TPD claim and that $1.95 $2.09 1 was paid out, that amount is taken away from your life benefit.","start":1582.875,"end":1593.03,"sentiment":"neutral","sentiment_score":-0.20276392623782158},{"text":"So it reduces your 520,000 by what you've received in TBD.","start":1593.09,"end":1597.59,"sentiment":"neutral","sentiment_score":-0.11235459487546574}],"sentiment":"neutral","sentiment_score":-0.06172691679735114,"num_words":69,"start":1572.7001,"end":1597.59},{"sentences":[{"text":"However, we've also got a fourteen day life buyback option.","start":1598.29,"end":1601.89,"sentiment":"neutral","sentiment_score":0.19868041723966598},{"text":"So it means after the TBD claim, within fourteen days of you surviving out the illness, the insurer will reinstate the amount of TPD back to the life cover.","start":1601.89,"end":1614.935,"sentiment":"neutral","sentiment_score":0.04490620642900467},{"text":"So they reinstate your life cover back up to the pre disability amount.","start":1614.935,"end":1620.18,"sentiment":"neutral","sentiment_score":0.08818369301465842},{"text":"So you can then claim on life again if you pass away at a later time.","start":1620.18,"end":1623.7001,"sentiment":"neutral","sentiment_score":0.08906281692907214},{"text":"Does that make sense?","start":1623.7001,"end":1624.76,"sentiment":"neutral","sentiment_score":0.09220069833099842}],"sentiment":"neutral","sentiment_score":0.08651777822524309,"num_words":72,"start":1598.29,"end":1624.76},{"sentences":[{"text":"Yeah.","start":1628.5,"end":1629.0,"sentiment":"neutral","sentiment_score":0.12596340477466583},{"text":"Yeah.","start":1629.14,"end":1629.64,"sentiment":"neutral","sentiment_score":0.102625772356987},{"text":"Yeah.","start":1641.095,"end":1641.595,"sentiment":"neutral","sentiment_score":0.030922723934054375},{"text":"Well, you yeah.","start":1641.735,"end":1648.4299,"sentiment":"neutral","sentiment_score":0.060411146531502403},{"text":"It's a little bit weird the way we the way that it is structured.","start":1648.4299,"end":1651.39,"sentiment":"neutral","sentiment_score":-0.18338999897241592}],"sentiment":"neutral","sentiment_score":-0.10633573224768042,"num_words":20,"start":1628.5,"end":1651.39},{"sentences":[{"text":"And the way the reason why it would have been structured that way is because it's actually cheaper.","start":1651.39,"end":1656.37,"sentiment":"neutral","sentiment_score":0.08044345676898956},{"text":"So the other way to have it is you have life cover and TBD completely separate, and they're two separate policies.","start":1656.585,"end":1664.0449,"sentiment":"neutral","sentiment_score":0.07090301066637039},{"text":"That way, they don't affect each other.","start":1664.105,"end":1665.965,"sentiment":"neutral","sentiment_score":0.05707921087741852},{"text":"But to hold them separately like that, it actually is more expensive because they are two separate policies.","start":1666.0249,"end":1671.4049,"sentiment":"neutral","sentiment_score":-0.1561467813120948},{"text":"So when we provide advice yeah.","start":1671.9299,"end":1674.8099,"sentiment":"neutral","sentiment_score":0.0056615521510442095}],"sentiment":"neutral","sentiment_score":0.007997531018086841,"num_words":70,"start":1651.39,"end":1674.8099},{"sentences":[{"text":"So when we provide advice, we link the TBD to the life cover.","start":1674.8099,"end":1679.21,"sentiment":"neutral","sentiment_score":0.14635543066721696},{"text":"That way, you get a multi policy discount and actually makes the premiums a bit cheaper to begin with for you.","start":1679.21,"end":1685.5499,"sentiment":"positive","sentiment_score":0.4402801302217302},{"text":"And it does mean that the life cover is affected by the TBD benefit, but we always add the life buyback on there, and yours is attached.","start":1686.135,"end":1694.535,"sentiment":"neutral","sentiment_score":0.1810921792078901},{"text":"So it means that if you claim TBD, yes, your life cover is, you know, reduced by the 195,000 to start with.","start":1694.535,"end":1702.5801,"sentiment":"neutral","sentiment_score":0.19675634801387787},{"text":"But fourteen days after, you know, your TBD claims, as long as you've survived that and there's no you haven't passed away, that life cover is automatically reinstated back.","start":1702.5801,"end":1713.885,"sentiment":"neutral","sentiment_score":0.11204472081414585}],"sentiment":"neutral","sentiment_score":0.21085650653445295,"num_words":112,"start":1674.8099,"end":1713.885},{"sentences":[{"text":"Essentially, they'll just send you a letter and say, hey.","start":1714.285,"end":1716.4451,"sentiment":"neutral","sentiment_score":0.19303650110960008},{"text":"By the way, you've reached your buyback period.","start":1716.4451,"end":1719.025,"sentiment":"neutral","sentiment_score":0.16414957493543625},{"text":"Yeah.","start":1719.725,"end":1720.045,"sentiment":"positive","sentiment_score":0.4204445779323578},{"text":"Happy.","start":1720.045,"end":1720.4451,"sentiment":"positive","sentiment_score":0.6193991899490356},{"text":"We're gonna, you know, reinstate that life cover, and they'll put that $1.95 back into your life cover.","start":1720.4451,"end":1726.525,"sentiment":"positive","sentiment_score":0.35231181813610923}],"sentiment":"neutral","sentiment_score":0.2796057396029171,"num_words":38,"start":1714.285,"end":1726.525},{"sentences":[{"text":"So if you pass away, you can then claim that full 528 or your beneficiaries receive the full 520.","start":1726.525,"end":1734.2,"sentiment":"neutral","sentiment_score":0.2586171987809633},{"text":"So it's kind of linking it so that it makes the premiums cheaper.","start":1734.2,"end":1738.22,"sentiment":"neutral","sentiment_score":0.14657204368939766},{"text":"Yeah.","start":1738.44,"end":1738.94,"sentiment":"neutral","sentiment_score":0.16575047373771667},{"text":"But still trying to make sure that you can claim on both those benefits in the event that something happens.","start":1739.0,"end":1743.525,"sentiment":"neutral","sentiment_score":0.22365274652838707},{"text":"Yeah.","start":1743.685,"end":1744.185,"sentiment":"neutral","sentiment_score":0.14533419907093048}],"sentiment":"neutral","sentiment_score":0.2148759805217937,"num_words":54,"start":1726.525,"end":1744.185},{"sentences":[{"text":"Absolutely.","start":1753.525,"end":1754.005,"sentiment":"neutral","sentiment_score":0.04265177622437477},{"text":"No.","start":1754.005,"end":1754.505,"sentiment":"neutral","sentiment_score":-0.21153654158115387},{"text":"No.","start":1755.605,"end":1756.105,"sentiment":"neutral","sentiment_score":-0.2586641013622284},{"text":"Yeah.","start":1757.37,"end":1757.77,"sentiment":"neutral","sentiment_score":-0.01772979460656643},{"text":"Yeah.","start":1757.77,"end":1758.17,"sentiment":"neutral","sentiment_score":-0.017065146937966347}],"sentiment":"neutral","sentiment_score":-0.09246876165270805,"num_words":5,"start":1753.525,"end":1758.17},{"sentences":[{"text":"And they don't disadvantage yeah.","start":1758.17,"end":1760.8301,"sentiment":"neutral","sentiment_score":-0.07270725667476655},{"text":"Just gonna meet that buyback that buyback time frame.","start":1761.61,"end":1764.3301,"sentiment":"neutral","sentiment_score":0.09964486459891002},{"text":"That's all just gonna make sure that after the TPD event that you've survived a certain period.","start":1764.3301,"end":1768.91,"sentiment":"neutral","sentiment_score":0.09693961546701543},{"text":"Normally, it's about twelve months, but yours is a fourteen day last buy buyback.","start":1769.885,"end":1774.845,"sentiment":"neutral","sentiment_score":0.07490758118884903},{"text":"So you've actually got a shorter buyback period, which is also why your premiums are a little bit higher.","start":1774.845,"end":1779.345,"sentiment":"neutral","sentiment_score":0.11596188537384335}],"sentiment":"neutral","sentiment_score":0.08489410812035203,"num_words":64,"start":1758.17,"end":1779.345},{"sentences":[{"text":"But the other thing I probably would wanna make mention is I'm not sure.","start":1780.205,"end":1783.53,"sentiment":"neutral","sentiment_score":-0.2162613943219185},{"text":"I'm pretty sure we talked about this last time.","start":1783.61,"end":1785.61,"sentiment":"neutral","sentiment_score":-0.18093698140647677},{"text":"But with PPD, if you claim total time of disability and you're under the age of 60, PPD, if you take it out of, like, out of the system, draw the money at, is actually taxed.","start":1785.61,"end":1796.5901,"sentiment":"negative","sentiment_score":-0.4085204427440961},{"text":"And it's a really horrible thing, but, unfortunately, when you claim, yeah, when you claim TDD and you draw the money out of the super system, they actually do charge tax of up to 22%.","start":1796.925,"end":1810.48,"sentiment":"negative","sentiment_score":-0.4596929788589478},{"text":"There's a really funny big math equation that they do to kind of work at how much tax is payable on that.","start":1810.7799,"end":1817.0399,"sentiment":"neutral","sentiment_score":-0.26913756944916467}],"sentiment":"negative","sentiment_score":-0.3566647334473914,"num_words":116,"start":1780.205,"end":1817.0399},{"sentences":[{"text":"But, essentially, if you were to be on TBD or claiming TBD, if the benefit is payable out, I wanna do advice for you to sort of help you to be able to age your income if you need it, but they keep the money working as long as possible as well because that can help to reduce the amount of tax that you would have to pay.","start":1817.58,"end":1837.6499,"sentiment":"neutral","sentiment_score":0.018193019663586336},{"text":"But a lot of people who do claim PBD do then take the benefit as a lump sum, take their super out as well, and draw everything down as a a one big lovely payout and then discover that they've lost, you know, a couple a couple of thousand dollars due to taxation, and it's not quite what they are insured for.","start":1837.6499,"end":1855.8551,"sentiment":"neutral","sentiment_score":-0.31017792477242406},{"text":"And it can be a bit of a big shock.","start":1855.8551,"end":1858.015,"sentiment":"negative","sentiment_score":-0.502736285328865},{"text":"So there are you know?","start":1858.015,"end":1860.3551,"sentiment":"neutral","sentiment_score":-0.04964901432394982},{"text":"Yeah.","start":1861.375,"end":1861.875,"sentiment":"neutral","sentiment_score":0.02095925062894821}],"sentiment":"neutral","sentiment_score":-0.15923667584277995,"num_words":146,"start":1817.58,"end":1861.875},{"sentences":[{"text":"Yeah.","start":1864.83,"end":1865.33,"sentiment":"neutral","sentiment_score":0.01857258379459381},{"text":"Yeah.","start":1866.4299,"end":1866.9299,"sentiment":"neutral","sentiment_score":-0.012819315306842329},{"text":"Yeah.","start":1868.0299,"end":1868.35,"sentiment":"neutral","sentiment_score":0.008159852586686611},{"text":"Well, the the way the claim actually works is because it's a super policy.","start":1868.35,"end":1872.45,"sentiment":"neutral","sentiment_score":0.07278824052108186},{"text":"In the event of a claim being successful, the funds are paid from the insurer to your super fund, and then you've gotta make that permanent incapacity to have it released out of the super system.","start":1873.23,"end":1883.635,"sentiment":"neutral","sentiment_score":-0.12363727007889086}],"sentiment":"neutral","sentiment_score":-0.0644904383862356,"num_words":53,"start":1864.83,"end":1883.635},{"sentences":[{"text":"And that's where that tax order comes into effect there.","start":1883.855,"end":1886.995,"sentiment":"neutral","sentiment_score":-0.07201959602534772},{"text":"But as I kinda mentioned yeah.","start":1887.375,"end":1889.215,"sentiment":"neutral","sentiment_score":-0.005327021392683188},{"text":"Yeah.","start":1889.215,"end":1889.535,"sentiment":"neutral","sentiment_score":0.009726603515446186},{"text":"But that's what we do.","start":1889.535,"end":1890.45,"sentiment":"neutral","sentiment_score":0.0004660533741116524},{"text":"That's what advisers do as part of our services.","start":1890.45,"end":1892.61,"sentiment":"neutral","sentiment_score":-0.003305211456285583}],"sentiment":"neutral","sentiment_score":-0.024833810365488453,"num_words":31,"start":1883.855,"end":1892.61},{"sentences":[{"text":"I mean, the biggest risk you have with having insurances is that you hold the you have the cover.","start":1892.61,"end":1898.37,"sentiment":"negative","sentiment_score":-0.3888635282453738},{"text":"You pay the premiums, and you get to retirement, and we cancel them, and you never actually claim on them, but you pay all the premiums and you get nothing back out of that.","start":1898.37,"end":1907.585,"sentiment":"negative","sentiment_score":-0.34240331062499213},{"text":"But then the the other side of that is that and I'm sure you've seen with working in disability support, you know, something could happen.","start":1908.365,"end":1916.125,"sentiment":"neutral","sentiment_score":-0.11581191897392273},{"text":"There's always that one or two or 5% in your life that something could happen, and having that payout could be the difference between being on Centrelink and total poverty or having a little bit of backup in the event of requiring a claim because, you know, everyone who kinda gets everyone who claims either life cover or TBD, the, you know, the benefit is they get that lump sum or they get that payment or they get access to that money.","start":1916.125,"end":1941.465,"sentiment":"neutral","sentiment_score":0.01522581592747351},{"text":"The downside is they've lost something to get that.","start":1941.605,"end":1944.165,"sentiment":"negative","sentiment_score":-0.5006276104185317}],"sentiment":"neutral","sentiment_score":-0.14900916662706426,"num_words":169,"start":1892.61,"end":1944.165},{"sentences":[{"text":"If they're claiming life cover, it means that somebody passed away.","start":1944.165,"end":1947.78,"sentiment":"negative","sentiment_score":-0.4666717133738778},{"text":"They've lost a family member or someone important to them.","start":1947.78,"end":1950.66,"sentiment":"negative","sentiment_score":-0.4164338022470474},{"text":"And with TPED to claim on that, you know, you've become permanently incapacitated.","start":1950.66,"end":1956.12,"sentiment":"negative","sentiment_score":-0.4321911999812493},{"text":"You know, you're never able to go back to work again, and there's so many other things to consider in that time frame.","start":1956.5801,"end":1962.815,"sentiment":"negative","sentiment_score":-0.39544977053352026},{"text":"So yeah.","start":1963.4349,"end":1964.4149,"sentiment":"neutral","sentiment_score":-0.004222717136144638}],"sentiment":"negative","sentiment_score":-0.4071186885742818,"num_words":59,"start":1944.165,"end":1964.4149},{"sentences":[{"text":"Yeah.","start":1964.715,"end":1965.215,"sentiment":"neutral","sentiment_score":0.02581142447888851},{"text":"There's a lot there.","start":1965.835,"end":1967.1349,"sentiment":"neutral","sentiment_score":-0.03818762628361583},{"text":"Absolutely.","start":1969.9149,"end":1970.4149,"sentiment":"neutral","sentiment_score":-0.02258121967315674},{"text":"Mhmm.","start":1984.985,"end":1985.485,"sentiment":"neutral","sentiment_score":-0.015259561128914356},{"text":"Yep.","start":1986.745,"end":1987.245,"sentiment":"neutral","sentiment_score":0.05655553564429283}],"sentiment":"neutral","sentiment_score":-0.013528040726669133,"num_words":8,"start":1964.715,"end":1987.245},{"sentences":[{"text":"That'd be your last yeah.","start":1988.985,"end":1990.765,"sentiment":"neutral","sentiment_score":0.040049056708812716},{"text":"Normally, that kind of yeah.","start":1998.6799,"end":2001.96,"sentiment":"neutral","sentiment_score":-0.022704755887389183},{"text":"No.","start":2001.96,"end":2002.12,"sentiment":"neutral","sentiment_score":-0.1517980396747589},{"text":"It's really not.","start":2002.12,"end":2003.08,"sentiment":"neutral","sentiment_score":-0.2054914782444636},{"text":"It doesn't add a lot onto your premiums.","start":2003.08,"end":2005.5,"sentiment":"neutral","sentiment_score":-0.11732577439397573}],"sentiment":"neutral","sentiment_score":-0.07364350752058355,"num_words":22,"start":1988.985,"end":2005.5},{"sentences":[{"text":"I can't see exactly how much the difference is, but, normally, adding buyback onto your policy might cost about 20 or $30 per year, whereas having, you know, 14 buyback might be about 50 or $100 per year.","start":2005.8,"end":2020.265,"sentiment":"neutral","sentiment_score":-0.048611943266893685},{"text":"So it's really honestly not that greater a difference, but the risk there is having the buyback like what you've got means that you only have to survive the impairment for 14.","start":2020.265,"end":2032.71,"sentiment":"neutral","sentiment_score":-0.21181646431796253},{"text":"Whereas someone who's got, you know, cancer or had a heart attack has to survive twelve months before they can have that buyback.","start":2033.09,"end":2042.085,"sentiment":"neutral","sentiment_score":-0.2310714507880418},{"text":"Whereas if something happened, if you had a heart attack or a stroke or something, you'd only have to survive fourteen days before that life benefit is reinstated, which means your family can, if anything, you know, happened, if you were to pass away after the event, your family could claim the life cover much sooner, and that buyback is added sooner.","start":2042.225,"end":2061.43,"sentiment":"neutral","sentiment_score":-0.04494593791182964},{"text":"Whereas, let's say, you didn't have that fourteen day buyback and your family you know, you had a stroke or a heart attack or something, and within that twelve months, you passed away before you got to that buyback tick period, that that TPD benefit is not added back in, which reduces the amount of cover your family can claim when it comes to life benefits.","start":2061.43,"end":2084.23,"sentiment":"neutral","sentiment_score":-0.10092745743917697}],"sentiment":"neutral","sentiment_score":-0.10582753127584091,"num_words":221,"start":2005.8,"end":2084.23},{"sentences":[{"text":"So it's more just about juggling the risk level.","start":2084.29,"end":2087.97,"sentiment":"neutral","sentiment_score":-0.09488235300199853},{"text":"Do we pay a little bit more now to have more security and have a much greater benefit and knowing that my you know, I only have to survive fourteen days to be able to get my last buyback added, or do I take the risk knowing that in the event of something happening, I would have to survive twelve months prior to that life cover being brought back in?","start":2087.97,"end":2109.3398,"sentiment":"neutral","sentiment_score":0.161625582644982},{"text":"So it's yeah.","start":2109.3398,"end":2112.64,"sentiment":"neutral","sentiment_score":0.008140875026583672},{"text":"Yeah.","start":2114.22,"end":2114.72,"sentiment":"neutral","sentiment_score":0.12905006110668182},{"text":"It's it's small small amount there to kinda give you a bit of a little bit more peace of mind.","start":2114.94,"end":2121.535,"sentiment":"neutral","sentiment_score":0.1624713610857725}],"sentiment":"neutral","sentiment_score":0.13458980112653046,"num_words":103,"start":2084.29,"end":2121.535},{"sentences":[{"text":"Yeah.","start":2121.7551,"end":2122.2551,"sentiment":"neutral","sentiment_score":0.1442546248435974},{"text":"Yeah.","start":2125.275,"end":2125.775,"sentiment":"neutral","sentiment_score":-0.007664293982088566},{"text":"That's okay.","start":2127.355,"end":2128.2551,"sentiment":"neutral","sentiment_score":0.09471747279167175},{"text":"Yep.","start":2173.225,"end":2173.725,"sentiment":"neutral","sentiment_score":0.03398975729942322},{"text":"Yeah.","start":2199.575,"end":2199.895,"sentiment":"neutral","sentiment_score":0.044186145067214966}],"sentiment":"neutral","sentiment_score":0.06736686313524842,"num_words":6,"start":2121.7551,"end":2199.895},{"sentences":[{"text":"Of course.","start":2199.895,"end":2200.5552,"sentiment":"neutral","sentiment_score":0.07289589568972588},{"text":"Yeah.","start":2200.95,"end":2201.27,"sentiment":"neutral","sentiment_score":0.2315310388803482},{"text":"Absolutely.","start":2201.27,"end":2201.77,"sentiment":"positive","sentiment_score":0.3755533695220947},{"text":"Absolutely.","start":2202.39,"end":2202.89,"sentiment":"positive","sentiment_score":0.5306814908981323},{"text":"More than happy to.","start":2203.1099,"end":2204.23,"sentiment":"positive","sentiment_score":0.6726944744586945}],"sentiment":"positive","sentiment_score":0.44159284316831166,"num_words":9,"start":2199.895,"end":2204.23},{"sentences":[{"text":"We can do a bit of a catch up.","start":2204.23,"end":2205.51,"sentiment":"neutral","sentiment_score":0.31054830220010543},{"text":"Now I know your annual review is due in December.","start":2205.51,"end":2208.31,"sentiment":"neutral","sentiment_score":0.116186198964715},{"text":"Did you wanna maybe bring that forward a little bit and do it a bit earlier so we can kind of reassess your goals, really have a chat about what you're after.","start":2208.31,"end":2216.205,"sentiment":"neutral","sentiment_score":0.2979074961040169},{"text":"I can answer any questions that you have.","start":2216.205,"end":2217.9648,"sentiment":"positive","sentiment_score":0.4074714705348015},{"text":"That way, you're not waiting till December.","start":2217.9648,"end":2219.7249,"sentiment":"neutral","sentiment_score":0.23201212286949158}],"sentiment":"neutral","sentiment_score":0.27838929104759835,"num_words":66,"start":2204.23,"end":2219.7249},{"sentences":[{"text":"Did you wanna do it a bit earlier?","start":2219.7249,"end":2221.345,"sentiment":"neutral","sentiment_score":0.12104068975895643},{"text":"It's June.","start":2225.58,"end":2228.08,"sentiment":"neutral","sentiment_score":0.04703908413648605},{"text":"September?","start":2228.2202,"end":2228.7202,"sentiment":"neutral","sentiment_score":0.0720643475651741},{"text":"Yeah.","start":2228.86,"end":2229.1,"sentiment":"neutral","sentiment_score":0.18439677357673645},{"text":"Absolutely.","start":2229.1,"end":2229.6,"sentiment":"positive","sentiment_score":0.3889758586883545}],"sentiment":"neutral","sentiment_score":0.1313723589365299,"num_words":13,"start":2219.7249,"end":2229.6},{"sentences":[{"text":"I'll bring that forward to about September.","start":2229.6602,"end":2231.6802,"sentiment":"neutral","sentiment_score":0.24415449798107147},{"text":"In the meantime, if you find you have additional questions, please let me know.","start":2232.4602,"end":2236.56,"sentiment":"neutral","sentiment_score":0.1548495548112052},{"text":"I mean, the hub 24, when we moved you out of Netwealth and into Hub 24, it is definitely cheaper than Netwealth as a platform.","start":2237.1,"end":2243.935,"sentiment":"neutral","sentiment_score":0.2916016963124275},{"text":"And Hub 24 has, you know, more features than Netwealth.","start":2244.5552,"end":2249.935,"sentiment":"positive","sentiment_score":0.387950599193573},{"text":"Like, it has aggregated trading, so it can save you money in the back end when they're buying and selling investments.","start":2249.995,"end":2255.375,"sentiment":"positive","sentiment_score":0.40719470097905114}],"sentiment":"neutral","sentiment_score":0.3064624983575437,"num_words":77,"start":2229.6602,"end":2255.375},{"sentences":[{"text":"They try to aggregate trading, which essentially means they pull your investment requests with other people, and they try to, you know, buy and sell in a more tax effective way in the back end for you.","start":2255.5151,"end":2266.78,"sentiment":"positive","sentiment_score":0.3640363772173186},{"text":"The fees are very much Yes.","start":2267.24,"end":2270.685,"sentiment":"neutral","sentiment_score":-0.05497629567980766},{"text":"Yes.","start":2271.7048,"end":2272.2048,"sentiment":"neutral","sentiment_score":0.0810602605342865},{"text":"The platform.","start":2272.905,"end":2273.7249,"sentiment":"neutral","sentiment_score":0.04458803869783878},{"text":"Yeah.","start":2276.345,"end":2276.845,"sentiment":"neutral","sentiment_score":0.0240560919046402}],"sentiment":"neutral","sentiment_score":0.283697459846735,"num_words":47,"start":2255.5151,"end":2276.845},{"sentences":[{"text":"Yeah.","start":2277.785,"end":2278.105,"sentiment":"neutral","sentiment_score":0.03825140744447708},{"text":"So what happens when we, yeah, so what happens when we essentially look at yours when we buy and sell investments, so we tell them essentially what you're invested in and how much of your of how much of your money we want invested in all the different investment options.","start":2278.105,"end":2293.26,"sentiment":"neutral","sentiment_score":0.05606727756559849},{"text":"So every month, they look at how much cash is being deposited into the account, and they work out whether that cash is above their minimum cash holding.","start":2293.545,"end":2301.9648,"sentiment":"neutral","sentiment_score":0.004777374411267894},{"text":"If there is too much cash in there, they buy that as investment.","start":2302.585,"end":2305.9648,"sentiment":"neutral","sentiment_score":-0.11752679141668174},{"text":"And in the back end, what happens is the team at Hub twenty four take our request, they submit that into the market, and they buy those investments for you.","start":2306.505,"end":2315.7898,"sentiment":"neutral","sentiment_score":0.0981336034834385}],"sentiment":"neutral","sentiment_score":0.03599624250267373,"num_words":122,"start":2277.785,"end":2315.7898},{"sentences":[{"text":"So what they do is they pull your money that they're buying into investments with other people, and they try to buy as many investments at the cheapest possible price.","start":2316.0898,"end":2324.7249,"sentiment":"neutral","sentiment_score":0.08436813540756702},{"text":"So you get what you need to be invested in, but they try to save you money in the back end as well.","start":2324.7249,"end":2330.565,"sentiment":"neutral","sentiment_score":0.30856094995270605},{"text":"It's called aggregated trading.","start":2330.565,"end":2332.085,"sentiment":"neutral","sentiment_score":0.20604654029011726},{"text":"It's aggregating your money with other people to try and get the best possible price for those investments that they're purchasing your funds into.","start":2332.085,"end":2339.145,"sentiment":"neutral","sentiment_score":0.2214195616543293},{"text":"Does that make sense?","start":2339.4502,"end":2340.87,"sentiment":"neutral","sentiment_score":0.1193892527371645}],"sentiment":"neutral","sentiment_score":0.19110304191708566,"num_words":85,"start":2316.0898,"end":2340.87},{"sentences":[{"text":"Yes.","start":2340.9702,"end":2341.4702,"sentiment":"neutral","sentiment_score":0.08910214900970459},{"text":"Yeah.","start":2344.25,"end":2344.75,"sentiment":"neutral","sentiment_score":0.022165954113006592},{"text":"Yeah.","start":2345.1301,"end":2345.6301,"sentiment":"neutral","sentiment_score":0.045373961329460144},{"text":"Just trying to get you the best possible price instead of just, you know, trying to get in there and buy it, whatever the market is at the time.","start":2345.85,"end":2352.4102,"sentiment":"neutral","sentiment_score":0.20499366984285158},{"text":"So there are definitely advantages to that, and I wanna make sure, obviously, you're getting the best of our services and having a look.","start":2352.4102,"end":2359.335,"sentiment":"positive","sentiment_score":0.5995602731903394}],"sentiment":"positive","sentiment_score":0.3659090186868395,"num_words":56,"start":2340.9702,"end":2359.335},{"sentences":[{"text":"I'd love to do some more advice for you.","start":2359.335,"end":2361.575,"sentiment":"positive","sentiment_score":0.357848240269555},{"text":"We could even look at a cheaper version of Hub twenty four.","start":2361.575,"end":2364.375,"sentiment":"neutral","sentiment_score":0.16485799476504326},{"text":"Hub twenty four does have you've got three different super fund types.","start":2364.375,"end":2368.97,"sentiment":"neutral","sentiment_score":0.1629726601143678},{"text":"They have Choice, which is the one you were in, which gives access to, you know, 1,100 different investment options, but it's the more expensive version of their fund.","start":2368.97,"end":2378.59,"sentiment":"neutral","sentiment_score":0.14836010927784032},{"text":"You also have Discovery, and you also have core.","start":2378.89,"end":2382.665,"sentiment":"neutral","sentiment_score":0.09419336997800404}],"sentiment":"neutral","sentiment_score":0.17330683830758215,"num_words":71,"start":2359.335,"end":2382.665},{"sentences":[{"text":"Those other hub 24 products.","start":2382.965,"end":2384.885,"sentiment":"neutral","sentiment_score":0.10428746938705444},{"text":"And if we look to maybe move you into the cheaper products, you don't actually have to sell investments or move things around.","start":2384.885,"end":2391.205,"sentiment":"neutral","sentiment_score":0.16422806161901224},{"text":"We can, you know, change the change things in a more tax effective structured way for you.","start":2391.205,"end":2397.72,"sentiment":"positive","sentiment_score":0.3812657454434563},{"text":"And it's without you having to roll money to a different fund as well.","start":2398.5798,"end":2401.8599,"sentiment":"neutral","sentiment_score":0.2021305827157838},{"text":"But those other two Hub twenty four platforms are a lot cheaper.","start":2401.8599,"end":2405.72,"sentiment":"neutral","sentiment_score":0.21715225651860237}],"sentiment":"neutral","sentiment_score":0.22839233342190862,"num_words":71,"start":2382.965,"end":2405.72},{"sentences":[{"text":"They do have less access to investments, so we would be maybe restructuring the portfolio as well.","start":2406.18,"end":2412.265,"sentiment":"neutral","sentiment_score":0.1304745244629243},{"text":"But if you're open to me looking and providing advice and doing that for you, I would love to do that research, have a look at the cost involved, have a look at, you know, what CGT consequences there might be for you, project that to your retirement, look at what you'll have coming in, and sort of make sure I can give you more value.","start":2412.805,"end":2431.82,"sentiment":"neutral","sentiment_score":0.24019031779784145},{"text":"I just one of the big things is I don't want you paying our fees if you're not getting value.","start":2432.36,"end":2436.2651,"sentiment":"negative","sentiment_score":-0.4158680126070976},{"text":"And if you're not getting value, please come and tell me because it's really important.","start":2436.2651,"end":2440.185,"sentiment":"neutral","sentiment_score":-0.282123930255572},{"text":"I wanna make sure I'm here to help you.","start":2440.185,"end":2442.125,"sentiment":"positive","sentiment_score":0.5409150123596191}],"sentiment":"neutral","sentiment_score":0.08180821886447472,"num_words":127,"start":2406.18,"end":2442.125},{"sentences":[{"text":"And it's not just about getting to you to retirement.","start":2442.5051,"end":2445.165,"sentiment":"neutral","sentiment_score":0.25315258651971817},{"text":"Financial advice is really important through retirement as well.","start":2445.465,"end":2448.44,"sentiment":"neutral","sentiment_score":0.30967988239394295},{"text":"So once you get to retirement, how much do you have?","start":2448.44,"end":2451.3398,"sentiment":"neutral","sentiment_score":0.17138192599469965},{"text":"How does that support you?","start":2451.72,"end":2453.16,"sentiment":"neutral","sentiment_score":0.1487209528684616},{"text":"How do we draw that money out?","start":2453.16,"end":2454.92,"sentiment":"neutral","sentiment_score":0.10242761565106255}],"sentiment":"neutral","sentiment_score":0.20629628729962168,"num_words":42,"start":2442.5051,"end":2454.92},{"sentences":[{"text":"I do advise around that.","start":2454.92,"end":2456.3599,"sentiment":"neutral","sentiment_score":0.26914853453636167},{"text":"I look at Centrelink for people as well and how I can get you Centrelink and shelter money and get the best out of your super as well as Centrelink.","start":2456.3599,"end":2464.755,"sentiment":"positive","sentiment_score":0.46212618549664813},{"text":"So it's about not just supporting you to retirement, but beyond that to make sure that your super lasts as long as possible as well.","start":2464.815,"end":2472.335,"sentiment":"positive","sentiment_score":0.3872260880470276},{"text":"So there's lots of things that I can do, but I don't obviously wanna force you into anything you're not comfortable with.","start":2472.335,"end":2479.61,"sentiment":"neutral","sentiment_score":-0.16030481005807154},{"text":"But I just wanna make sure that we're having that honest open conversation.","start":2479.61,"end":2483.1501,"sentiment":"neutral","sentiment_score":0.08923433319880412}],"sentiment":"neutral","sentiment_score":0.23708969420067183,"num_words":95,"start":2454.92,"end":2483.1501},{"sentences":[{"text":"You're welcome to tell me, no.","start":2483.37,"end":2485.37,"sentiment":"neutral","sentiment_score":-0.0064924464871486025},{"text":"I don't want this.","start":2485.37,"end":2486.1702,"sentiment":"negative","sentiment_score":-0.4199657067656517},{"text":"This is not for me anymore, and I will help you go to wherever you want.","start":2486.1702,"end":2489.85,"sentiment":"neutral","sentiment_score":-0.011738786473870277},{"text":"You are by no means held here in any way, shape, or form.","start":2489.85,"end":2493.165,"sentiment":"neutral","sentiment_score":-0.05383603618695186},{"text":"And if you decide, do you want me to turn the fees off, you just give me the direction, and I will abide by that.","start":2493.325,"end":2498.045,"sentiment":"neutral","sentiment_score":0.070763481259346}],"sentiment":"neutral","sentiment_score":-0.013084680133033544,"num_words":64,"start":2483.37,"end":2498.045},{"sentences":[{"text":"And I will say thank you, Jay, and I will wish you the best.","start":2498.045,"end":2500.685,"sentiment":"positive","sentiment_score":0.5059016666242054},{"text":"And if you decide to come back, you absolutely can.","start":2500.685,"end":2504.605,"sentiment":"neutral","sentiment_score":0.07017664257436991},{"text":"I'm always here.","start":2504.605,"end":2505.885,"sentiment":"neutral","sentiment_score":0.2548522800207138},{"text":"So I just wanted to yeah.","start":2505.885,"end":2508.03,"sentiment":"neutral","sentiment_score":0.17185749610265097},{"text":"I'm glad we have this catch up.","start":2508.03,"end":2514.85,"sentiment":"positive","sentiment_score":0.39356810067381176}],"sentiment":"neutral","sentiment_score":0.30837670699693265,"num_words":40,"start":2498.045,"end":2514.85},{"sentences":[{"text":"Yep.","start":2520.6848,"end":2521.1848,"sentiment":"neutral","sentiment_score":0.16398495435714722},{"text":"Yep.","start":2528.525,"end":2528.6848,"sentiment":"neutral","sentiment_score":0.04703164845705032},{"text":"Industry funds.","start":2528.6848,"end":2529.825,"sentiment":"neutral","sentiment_score":-0.01306796446442604},{"text":"Oh, you do have access to those to other managed funds.","start":2532.2048,"end":2537.26,"sentiment":"neutral","sentiment_score":0.0657884031534195},{"text":"So in the in the core or the discovery menus within hub twenty four, they have less investments to choose from, but we can still build portfolios within their the investments that they do have.","start":2537.26,"end":2548.755,"sentiment":"neutral","sentiment_score":0.14615310515676225}],"sentiment":"neutral","sentiment_score":0.12047823578119278,"num_words":50,"start":2520.6848,"end":2548.755},{"sentences":[{"text":"So we absolutely can still alter and change investments and, you know, keep you within the high growth area and the portfolios.","start":2548.835,"end":2557.075,"sentiment":"neutral","sentiment_score":0.3236765844578093},{"text":"It just depends on what we have access to and how we build those portfolios.","start":2557.075,"end":2561.51,"sentiment":"neutral","sentiment_score":0.040086256340146065},{"text":"But, you know, if if these is a thing, I can absolutely look at cheaper products for you.","start":2561.81,"end":2566.05,"sentiment":"neutral","sentiment_score":0.11250327196386126},{"text":"Still look at building portfolios that works for you.","start":2566.05,"end":2568.71,"sentiment":"neutral","sentiment_score":0.2974833283159468},{"text":"We've also, sorry, just set up our own separately managed account, which is our own investment portfolio, which might even work for you as well.","start":2568.77,"end":2576.6301,"sentiment":"neutral","sentiment_score":0.21651962876319886}],"sentiment":"neutral","sentiment_score":0.20042222778030325,"num_words":89,"start":2548.835,"end":2576.6301},{"sentences":[{"text":"You have less visibility of investments, but we utilize our investment committee and BlackRock's investment committee and have a whole separate portfolio on a cheaper hub 24 platform.","start":2577.0352,"end":2587.5352,"sentiment":"neutral","sentiment_score":0.11751446766512734},{"text":"So that might even work out, yeah, that might even work out for you as well to be able to, you know, utilize that and, you know, see how that works.","start":2587.7551,"end":2597.3398,"sentiment":"neutral","sentiment_score":0.3258093220572318},{"text":"Yeah.","start":2597.56,"end":2598.06,"sentiment":"neutral","sentiment_score":0.0860925167798996},{"text":"Yeah.","start":2600.5999,"end":2601.0999,"sentiment":"neutral","sentiment_score":0.07559619843959808},{"text":"Yes.","start":2604.7751,"end":2605.2551,"sentiment":"neutral","sentiment_score":0.06352855265140533}],"sentiment":"neutral","sentiment_score":0.21960824752046215,"num_words":62,"start":2577.0352,"end":2605.2551},{"sentences":[{"text":"Of course.","start":2605.2551,"end":2605.915,"sentiment":"neutral","sentiment_score":0.04640151374042034},{"text":"Yeah.","start":2607.975,"end":2608.475,"sentiment":"neutral","sentiment_score":0.05067580193281174},{"text":"Yep.","start":2611.2551,"end":2611.7551,"sentiment":"neutral","sentiment_score":0.04341001436114311},{"text":"Yeah.","start":2618.07,"end":2618.57,"sentiment":"neutral","sentiment_score":0.05031220614910126},{"text":"Absolutely.","start":2626.9648,"end":2627.4648,"sentiment":"neutral","sentiment_score":0.1963350474834442}],"sentiment":"neutral","sentiment_score":0.07225601623455684,"num_words":6,"start":2605.2551,"end":2627.4648},{"sentences":[{"text":"Yeah.","start":2628.565,"end":2628.8848,"sentiment":"neutral","sentiment_score":0.08914259076118469},{"text":"Of course.","start":2628.8848,"end":2629.625,"sentiment":"neutral","sentiment_score":0.08974263072013855},{"text":"Absolutely.","start":2630.005,"end":2630.505,"sentiment":"neutral","sentiment_score":0.04250895231962204},{"text":"Yeah.","start":2632.805,"end":2633.305,"sentiment":"neutral","sentiment_score":0.006796209141612053},{"text":"No.","start":2633.4448,"end":2633.9448,"sentiment":"neutral","sentiment_score":-0.04674023389816284}],"sentiment":"neutral","sentiment_score":0.045198796627422176,"num_words":6,"start":2628.565,"end":2633.9448},{"sentences":[{"text":"Be honest with me, Jay.","start":2634.7249,"end":2635.9248,"sentiment":"neutral","sentiment_score":0.29249541759490966},{"text":"It's it I honestly do love the honesty, sir.","start":2635.9248,"end":2638.4849,"sentiment":"positive","sentiment_score":0.5456462038887872},{"text":"Absolutely.","start":2638.4849,"end":2638.9648,"sentiment":"positive","sentiment_score":0.5526021122932434},{"text":"Be honest with me.","start":2638.9648,"end":2639.765,"sentiment":"positive","sentiment_score":0.4634840413928032},{"text":"Say exactly how you feel.","start":2639.765,"end":2641.44,"sentiment":"positive","sentiment_score":0.5398359775543213}],"sentiment":"positive","sentiment_score":0.47829212869207066,"num_words":24,"start":2634.7249,"end":2641.44},{"sentences":[{"text":"I'll never take offense or be worried.","start":2641.44,"end":2643.52,"sentiment":"neutral","sentiment_score":0.190850025841168},{"text":"It's it's all about making sure we're doing the right thing by you and being being able to understand how you're feeling at the time and what you need is really important towards me making sure I'm working your best interest for you.","start":2643.52,"end":2655.04,"sentiment":"positive","sentiment_score":0.5718542288902194},{"text":"So, yeah, there's lots of things that we can do.","start":2655.04,"end":2657.325,"sentiment":"positive","sentiment_score":0.3594063386321068},{"text":"I will I'll get the team to give you a call in early September.","start":2657.325,"end":2660.7651,"sentiment":"neutral","sentiment_score":0.16118198207446507},{"text":"We'll book in your annual review a bit earlier, and let's have a really good look at things before we get to the end of the ongoing service agreement and look at updating the advice Even if at that time I update the advice and show you what the recommendations are, you don't have to take it.","start":2660.7651,"end":2675.54,"sentiment":"neutral","sentiment_score":0.21914617115991158}],"sentiment":"positive","sentiment_score":0.33792080087516146,"num_words":131,"start":2641.44,"end":2675.54},{"sentences":[{"text":"You can go, thanks, Dana.","start":2675.54,"end":2677.0,"sentiment":"positive","sentiment_score":0.5227250158786774},{"text":"I like it, but I'm just it's not not for me, and that's absolutely fine.","start":2677.38,"end":2681.06,"sentiment":"positive","sentiment_score":0.5823967774709066},{"text":"There is no obligation for you to take advice after I've gone through that.","start":2681.06,"end":2685.335,"sentiment":"neutral","sentiment_score":0.18989487045577594},{"text":"You're welcome to say, no.","start":2685.795,"end":2687.075,"sentiment":"neutral","sentiment_score":0.3220561444759369},{"text":"It's all good.","start":2687.075,"end":2687.715,"sentiment":"positive","sentiment_score":0.45923466483751935}],"sentiment":"positive","sentiment_score":0.4046688010650022,"num_words":42,"start":2675.54,"end":2687.715},{"sentences":[{"text":"Thank you for trying, but I'm good, and we will help you.","start":2687.715,"end":2690.9949,"sentiment":"positive","sentiment_score":0.622834712266922},{"text":"Okay?","start":2690.9949,"end":2691.4949,"sentiment":"neutral","sentiment_score":0.2280774563550949},{"text":"Yeah.","start":2693.395,"end":2693.895,"sentiment":"neutral","sentiment_score":0.3180813789367676},{"text":"That's okay.","start":2694.115,"end":2694.935,"sentiment":"neutral","sentiment_score":0.32534895837306976},{"text":"Yep.","start":2697.97,"end":2698.47,"sentiment":"neutral","sentiment_score":0.24489662051200867}],"sentiment":"positive","sentiment_score":0.524457054103122,"num_words":17,"start":2687.715,"end":2698.47},{"sentences":[{"text":"I'll make sure that happens for you, Jay.","start":2698.5298,"end":2700.3699,"sentiment":"positive","sentiment_score":0.3540494032204151},{"text":"No.","start":2700.3699,"end":2700.5298,"sentiment":"neutral","sentiment_score":0.10528075695037842},{"text":"Thank you so much.","start":2700.5298,"end":2701.13,"sentiment":"positive","sentiment_score":0.5958976298570633},{"text":"I know you have to go, but I really do appreciate it.","start":2701.13,"end":2703.75,"sentiment":"positive","sentiment_score":0.5239259128769239},{"text":"You have a lovely afternoon.","start":2703.97,"end":2705.5898,"sentiment":"positive","sentiment_score":0.779064929485321}],"sentiment":"positive","sentiment_score":0.5167900701363881,"num_words":30,"start":2698.5298,"end":2705.5898},{"sentences":[{"text":"If you need anything or have any other questions, let me know.","start":2705.73,"end":2708.71,"sentiment":"positive","sentiment_score":0.34764954696098965},{"text":"If you're wanting to get a balance update or a report of some sort, you just let me know.","start":2709.0652,"end":2713.465,"sentiment":"neutral","sentiment_score":0.21523479411476537},{"text":"I will organize it and have it sent to you.","start":2713.465,"end":2715.945,"sentiment":"positive","sentiment_score":0.3704495370388031},{"text":"Okay?","start":2715.945,"end":2716.3452,"sentiment":"neutral","sentiment_score":0.26160728931427},{"text":"I'm here for that.","start":2716.3452,"end":2717.385,"sentiment":"positive","sentiment_score":0.49788910895586014}],"sentiment":"neutral","sentiment_score":0.30910684233126434,"num_words":46,"start":2705.73,"end":2717.385},{"sentences":[{"text":"My pleasure.","start":2720.425,"end":2721.065,"sentiment":"positive","sentiment_score":0.8510858118534088},{"text":"Enjoy your day, Jay.","start":2721.065,"end":2722.105,"sentiment":"positive","sentiment_score":0.8212449252605438},{"text":"Have a good day.","start":2722.105,"end":2723.085,"sentiment":"positive","sentiment_score":0.7065812349319458},{"text":"Thanks.","start":2724.345,"end":2724.825,"sentiment":"positive","sentiment_score":0.6030142307281494},{"text":"See you later.","start":2724.825,"end":2725.485,"sentiment":"neutral","sentiment_score":0.2946033651630084}],"sentiment":"positive","sentiment_score":0.6643071850495679,"num_words":14,"start":2720.425,"end":2725.485}]}}]},{"alternatives":[{"transcript":"Hello, Dana. Good. How are you? Yeah. Good. Thanks. Good. Yeah. I haven't been working as much, so I haven't been putting a lot into super at the moment. But but, yeah, I guess we can talk about that soon. But other than that, well, it's cold. The cold's started to come in down here in Melbourne, but if you like the cold, it's worthwhile to come down. Fair enough. Really? You'd prefer it even warmer than that, you reckon? Yes. Fair enough. Fair enough today. Yes. Yep. That's fine. Yeah. Jay Alcock or Alton Alcock, seventeenth of the second nineteen seventy five and 8 18 Storey Street in North Woonsaggee. Yeah. Sorry. I'm I'm not good at I was opening windows on the computer or laptop just trying to think, oh, jeez. I needed to do that before I called, but all good. Yes. Okay. Yep. Yep. No. It seems to be it seems to have grown a little bit since, you know, July, I think, or April last year. It had gone down a bit. So yep. Not from October. Yeah. Yep. Yep. Okay. Just out of curiosity too, I was is do I still have a small amount in another super to cover the MLC insurance? I I don't, do I? We did, didn't we? Yeah. Yep. That's that's okay. It'll probably I yeah. I think it's later in the year, November or something, probably not long after I I have the the payment, the payout to Oakview Financial to the financial services. I just know so it's something I wanna plan even if it's in the next in the next October sort of consultation. I'm not sure about using Oakville's financial going forward just because my super circumstances have changed so much. I don't have that regular fortnightly income where I'm putting that much into super. And when I look at it, you know, as much as Hub twenty four and and I feel you've been great, just for me to learn and sort of hear someone talk about the, you know, that financial world and superannuation. I just don't know whether I can afford to keep paying that tax to get that compounding effect. And so I've been looking at that, yeah, just with my wage change for this last year. So that that will be one thing that I wanna look at going forward, whether I can continue to use our view. And and look, I I think Hub 24 at this stage, it's hard to understand Superb. Although I have sort of done a little bit of research just online and had some other ideas if I can work out the right questions to ask, of course. But I I think Hub twenty four seems sufficient at the moment, and I'd I'd have to keep some in there if I'm gonna keep my life insurance policies. Is that you know? Yeah. Yep. Yes. I'd like to, but I just don't feel yeah. I'm I'm not at the moment. And I am getting a little bit through through work, but it's not it's not to the point of being able to put in extra. I'm just not in that position at the moment. So I think, well, I've gotta minimize mitigate the the money coming out of super for for advice for one or fees and so forth, and and I'll that that's what I'll try to look at the fees and so forth with Hub twenty four. I do find Hub twenty four I I I do I don't know if it's as easy as the last superannuation company I was in to be able to to manage myself and just speak to the the provider. Find a little bit more clunky, I suppose. But but I'll I'll I'll I'll I'll look at that down the track. But I'm definitely at this stage, I'm wanting to probably, like, call of Oakview Financial as as one. I've had a good think about that and and just doing the numbers for the even though it's great and I'd recommend it to others, I've certainly recommended it to my brother all the time. But I just for me at the moment, it's just not it it doesn't add up at all. Yeah. Yeah. On the super or alright. Alright. Yeah. Right. Right. What what was the consequence just to hold you up for the great information? Something I hadn't even put forward in. So but just to get a real world example, what what what was the fees for last year's move from Netwealth into Hub twenty four? Okay. Right. So last year may have been either either a capital gains or a loss. Yeah. Yep. Okay. Yep. Yep. Yeah. Look, I think accessing a lot of I don't know. I guess just the optics of it. And then also sometimes accessing the well, certainly the mobile app is terrible. Hub Netwealth, I could use a lot easier. Even I found a problem gaining documents at times. It's just really clunky and so forth. Just just those things come to mind in hindsight off the top of my head. But, look, I've been able to sort of get through it and and, you know, I I've gotta think, you know, now is it worthwhile changing something for that convenience, if you like, just just for and and and and then and risking the the loss or the tax implications or, you know, the rollover sort of costs associated with that. I guess with I mean, Oakview Financial, again, nothing wrong with the services, but I know that my contributions have dropped a lot. You know, probably was a 100 over nearly a $100,000, you know, eighteen months ago within the last couple of years, and that's dropped to 50,000, let's say. And I just think, well, you know, that $3,000, I think, a a a a Netwealth might charge something along that line per annum. My you know, that that that goes a long way when, you know, I've dropped my numbers and I've, you know, canceled other subscriptions and this and that really. So it's been one of those things that's on my to do list to look at, you know, what my payments are with things. So so it's again, it's nothing. It just I I just don't think I've got the you know, I don't have the excess amount to put in or to think about other investments that I could do with, like, and utilize Oakview with or tag. You don't have the investment properties now. So I just don't think that using Hub Oakview is is in my best interest in all honesty. Yeah. Of course. Yep. Yeah. Well, I guess, firstly, I've still got at least three months of service because I paid twelve months in advance, don't I? Is that right? Oh, that's true. Yeah. Yep. No. Good. Good. I'm glad we've opened that sort of yeah. That window in the mind's eye for me. Yeah. It's something that we did talk about last year. I think it did maybe comparison with the insurances and and it seems more you know, risk adverse just to stay with MLC, I think. Yeah. Right. That's right. We did speak about that. I mean, if you've had a history, I mean, circumstantial, whether it's like twelve months, eighteen months, it's like giving up smoking or something, then you can then you, you know, do another review it and have an undertake, and then those those alerts or what do they call it? Those those steep yeah. So would that be the case with mental health things too? Yeah. Mhmm. I haven't looked at it in the last few weeks. I can't even remember the figures here. I might be worth more more dead than alive. Yeah. No. I'm just joking. It's just yeah. It's probably the wrong person to say that. But no. Interesting. Yeah. Yeah. Yep. If you sorry. If you did claim on your if you just if you did claim on your TPD, just hypothetically, does then your life insurance within two years, that would change a lot, wouldn't it? Like, because you're already you're in a much more vulnerable state, so so would the life insurance no? When you did the initial undertaking or something and yeah. So well, it doesn't make I mean, it's good to know I didn't know that, but so that that's interesting. So you hypothetically claim TPD, and then within fourteen days, you need to then make sure that you rein Yep. Right. So you might not be able Oh, I see. I see why it's like that now. Yeah. Yeah. Right. So it's not like you're claiming TPD and then, you know, there's some other, you know, undertaking or something to get your life covered back up to the original amount that you had. It's just a yeah. Yeah. Just to check whether it's yeah. Yeah. Okay. Oh, well. You're better off putting that lump sum amount straight into your super then rather than and or trying to to minimize the tax. Yeah. Or something like that. Oh, it's at Roxanne. Yes. Yes. Yep. And so just a just a hypothetical, I remember you saying that with the fourteen day buyback with CPD and the life insurance, if that and you mentioned that some other insurances have, you know, a twelve month buyback or something, so you have to wait that twelve months before buyback of your full life insurance. But how much does that reduce in your premium fees, like those sorts of slight changes in time? Is that one of the big fee? Yeah. Okay. Yeah. So that's $70 a year or, you know, 700 dollars a decade or something. Yeah. Interesting. It all adds up. Yeah. Wow. Or yes. Just yeah. Just yeah. Interesting. I know I'm gonna have to go though, but look yeah. Look, I I guess going forward, I will, you know, I still what what I discussed, we'll probably look at doing, but I just I don't know. Maybe I'll I'll try to just have a look initially, you know, whether that hub 20 4 fee wise for for what I am. If I'm looking at saying if if I have the the template in my mind that I'm really knowing that I'm putting less into super now, so I'm trying to mitigate the not the risk involved in in the the cons you know, what the risk in the portfolio, but the other little hidden fees, I'm trying to mitigate all of those that are adding up and maybe, you know, somehow finding that equilibrium from what I'm not putting in as much as to what the fees are like, you know, as opposed to the retail fund, to the industry fund, or or to the financial advice and those other subtleties with the insurances and so forth that are a little bit more yeah. So if you're happy to have a look at some of those options, if you understand where I'm coming from there. Yeah. Yeah. Okay. Yeah. Well, what is it? Yeah. Maybe in September. What what do you mean in the back end? I'll just like, in the back end of of of the of the the platform itself rather than the back end of of when I'm 65 sort of thing. Yes. Yeah. It sounds like a Cintiq that's in Lotto or something, you know, or something like that. Yeah. I mean, good. Okay. Yeah. Well, that's sorry. Yeah. No. Of course. Yeah. Thanks. Thanks, Dana. Yeah. And just when you were saying that because I was in that more that that sort of portfolio within Hub twenty four, that allows you to be able to recommend different changes where you don't have that access if it's in the what what what did you put into the core no into the core investment. Oh, wow. Okay. Okay. Yeah. Look. Yeah. Well, I think you understand the paradigm that I'm coming from trying to save money within those super choices and and and what I can control there at this stage and and less less about insurance, but that would be the next one down to, I I guess. And then also that that financial advice whether well, not that whether it's worth it. It's just whether it's worth it for me with what I'm putting into it and the need for change. I mean, you know, so I just wanna be mindful on how I say that. But but alright. Thank you. Yeah. Of course. I appreciate that. Yeah. Okay. Thank you, Dana. Yeah. We'll find out a time to catch up in September. Yes. Okay. Terrific. Thanks again. You too. Bye 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Dana. Good. How are you? Yeah. Good.\n\nThanks. Good. Yeah. I haven't been working as much, so I haven't been putting a lot into super at the moment. But but, yeah, I guess we can talk about that soon.\n\nBut other than that, well, it's cold. The cold's started to come in down here in Melbourne, but if you like the cold, it's worthwhile to come down. Fair enough. Really? You'd prefer it even warmer than that, you reckon?\n\nYes. Fair enough. Fair enough today. Yes. Yep.\n\nThat's fine. Yeah. Jay Alcock or Alton Alcock, seventeenth of the second nineteen seventy five and 8 18 Storey Street in North Woonsaggee. Yeah. Sorry.\n\nI'm I'm not good at I was opening windows on the computer or laptop just trying to think, oh, jeez. I needed to do that before I called, but all good. Yes. Okay. Yep.\n\nYep. No. It seems to be it seems to have grown a little bit since, you know, July, I think, or April last year. It had gone down a bit. So yep.\n\nNot from October. Yeah. Yep. Yep. Okay.\n\nJust out of curiosity too, I was is do I still have a small amount in another super to cover the MLC insurance? I I don't, do I? We did, didn't we? Yeah. Yep.\n\nThat's that's okay. It'll probably I yeah. I think it's later in the year, November or something, probably not long after I I have the the payment, the payout to Oakview Financial to the financial services. I just know so it's something I wanna plan even if it's in the next in the next October sort of consultation. I'm not sure about using Oakville's financial going forward just because my super circumstances have changed so much.\n\nI don't have that regular fortnightly income where I'm putting that much into super. And when I look at it, you know, as much as Hub twenty four and and I feel you've been great, just for me to learn and sort of hear someone talk about the, you know, that financial world and superannuation. I just don't know whether I can afford to keep paying that tax to get that compounding effect. And so I've been looking at that, yeah, just with my wage change for this last year. So that that will be one thing that I wanna look at going forward, whether I can continue to use our view.\n\nAnd and look, I I think Hub 24 at this stage, it's hard to understand Superb. Although I have sort of done a little bit of research just online and had some other ideas if I can work out the right questions to ask, of course. But I I think Hub twenty four seems sufficient at the moment, and I'd I'd have to keep some in there if I'm gonna keep my life insurance policies. Is that you know? Yeah.\n\nYep. Yes. I'd like to, but I just don't feel yeah. I'm I'm not at the moment. And I am getting a little bit through through work, but it's not it's not to the point of being able to put in extra.\n\nI'm just not in that position at the moment. So I think, well, I've gotta minimize mitigate the the money coming out of super for for advice for one or fees and so forth, and and I'll that that's what I'll try to look at the fees and so forth with Hub twenty four. I do find Hub twenty four I I I do I don't know if it's as easy as the last superannuation company I was in to be able to to manage myself and just speak to the the provider. Find a little bit more clunky, I suppose. But but I'll I'll I'll I'll I'll look at that down the track.\n\nBut I'm definitely at this stage, I'm wanting to probably, like, call of Oakview Financial as as one. I've had a good think about that and and just doing the numbers for the even though it's great and I'd recommend it to others, I've certainly recommended it to my brother all the time. But I just for me at the moment, it's just not it it doesn't add up at all. Yeah. Yeah.\n\nOn the super or alright. Alright. Yeah. Right. Right.\n\nWhat what was the consequence just to hold you up for the great information? Something I hadn't even put forward in. So but just to get a real world example, what what what was the fees for last year's move from Netwealth into Hub twenty four? Okay. Right.\n\nSo last year may have been either either a capital gains or a loss. Yeah. Yep. Okay. Yep.\n\nYep. Yeah. Look, I think accessing a lot of I don't know. I guess just the optics of it. And then also sometimes accessing the well, certainly the mobile app is terrible.\n\nHub Netwealth, I could use a lot easier. Even I found a problem gaining documents at times. It's just really clunky and so forth. Just just those things come to mind in hindsight off the top of my head. But, look, I've been able to sort of get through it and and, you know, I I've gotta think, you know, now is it worthwhile changing something for that convenience, if you like, just just for and and and and then and risking the the loss or the tax implications or, you know, the rollover sort of costs associated with that.\n\nI guess with I mean, Oakview Financial, again, nothing wrong with the services, but I know that my contributions have dropped a lot. You know, probably was a 100 over nearly a $100,000, you know, eighteen months ago within the last couple of years, and that's dropped to 50,000, let's say. And I just think, well, you know, that $3,000, I think, a a a a Netwealth might charge something along that line per annum. My you know, that that that goes a long way when, you know, I've dropped my numbers and I've, you know, canceled other subscriptions and this and that really. So it's been one of those things that's on my to do list to look at, you know, what my payments are with things.\n\nSo so it's again, it's nothing. It just I I just don't think I've got the you know, I don't have the excess amount to put in or to think about other investments that I could do with, like, and utilize Oakview with or tag. You don't have the investment properties now. So I just don't think that using Hub Oakview is is in my best interest in all honesty. Yeah.\n\nOf course. Yep. Yeah. Well, I guess, firstly, I've still got at least three months of service because I paid twelve months in advance, don't I? Is that right?\n\nOh, that's true. Yeah. Yep. No. Good.\n\nGood. I'm glad we've opened that sort of yeah. That window in the mind's eye for me. Yeah. It's something that we did talk about last year.\n\nI think it did maybe comparison with the insurances and and it seems more you know, risk adverse just to stay with MLC, I think. Yeah. Right. That's right. We did speak about that.\n\nI mean, if you've had a history, I mean, circumstantial, whether it's like twelve months, eighteen months, it's like giving up smoking or something, then you can then you, you know, do another review it and have an undertake, and then those those alerts or what do they call it? Those those steep yeah. So would that be the case with mental health things too? Yeah. Mhmm.\n\nI haven't looked at it in the last few weeks. I can't even remember the figures here. I might be worth more more dead than alive. Yeah. No.\n\nI'm just joking. It's just yeah. It's probably the wrong person to say that. But no. Interesting.\n\nYeah. Yeah. Yep. If you sorry. If you did claim on your if you just if you did claim on your TPD, just hypothetically, does then your life insurance within two years, that would change a lot, wouldn't it?\n\nLike, because you're already you're in a much more vulnerable state, so so would the life insurance no? When you did the initial undertaking or something and yeah. So well, it doesn't make I mean, it's good to know I didn't know that, but so that that's interesting. So you hypothetically claim TPD, and then within fourteen days, you need to then make sure that you rein Yep. Right.\n\nSo you might not be able Oh, I see. I see why it's like that now. Yeah. Yeah. Right.\n\nSo it's not like you're claiming TPD and then, you know, there's some other, you know, undertaking or something to get your life covered back up to the original amount that you had. It's just a yeah. Yeah. Just to check whether it's yeah. Yeah.\n\nOkay. Oh, well. You're better off putting that lump sum amount straight into your super then rather than and or trying to to minimize the tax. Yeah. Or something like that.\n\nOh, it's at Roxanne. Yes. Yes. Yep. And so just a just a hypothetical, I remember you saying that with the fourteen day buyback with CPD and the life insurance, if that and you mentioned that some other insurances have, you know, a twelve month buyback or something, so you have to wait that twelve months before buyback of your full life insurance.\n\nBut how much does that reduce in your premium fees, like those sorts of slight changes in time? Is that one of the big fee? Yeah. Okay. Yeah.\n\nSo that's $70 a year or, you know, 700 dollars a decade or something. Yeah. Interesting. It all adds up. Yeah.\n\nWow. Or yes. Just yeah. Just yeah. Interesting.\n\nI know I'm gonna have to go though, but look yeah. Look, I I guess going forward, I will, you know, I still what what I discussed, we'll probably look at doing, but I just I don't know. Maybe I'll I'll try to just have a look initially, you know, whether that hub 20 4 fee wise for for what I am. If I'm looking at saying if if I have the the template in my mind that I'm really knowing that I'm putting less into super now, so I'm trying to mitigate the not the risk involved in in the the cons you know, what the risk in the portfolio, but the other little hidden fees, I'm trying to mitigate all of those that are adding up and maybe, you know, somehow finding that equilibrium from what I'm not putting in as much as to what the fees are like, you know, as opposed to the retail fund, to the industry fund, or or to the financial advice and those other subtleties with the insurances and so forth that are a little bit more yeah. So if you're happy to have a look at some of those options, if you understand where I'm coming from there.\n\nYeah. Yeah. Okay. Yeah. Well, what is it?\n\nYeah. Maybe in September. What what do you mean in the back end? I'll just like, in the back end of of of the of the the platform itself rather than the back end of of when I'm 65 sort of thing. Yes.\n\nYeah. It sounds like a Cintiq that's in Lotto or something, you know, or something like that. Yeah. I mean, good. Okay.\n\nYeah. Well, that's sorry. Yeah. No. Of course.\n\nYeah. Thanks. Thanks, Dana. Yeah. And just when you were saying that because I was in that more that that sort of portfolio within Hub twenty four, that allows you to be able to recommend different changes where you don't have that access if it's in the what what what did you put into the core no into the core investment.\n\nOh, wow. Okay. Okay. Yeah. Look.\n\nYeah. Well, I think you understand the paradigm that I'm coming from trying to save money within those super choices and and and what I can control there at this stage and and less less about insurance, but that would be the next one down to, I I guess. And then also that that financial advice whether well, not that whether it's worth it. It's just whether it's worth it for me with what I'm putting into it and the need for change. I mean, you know, so I just wanna be mindful on how I say that.\n\nBut but alright. Thank you. Yeah. Of course. I appreciate that.\n\nYeah. Okay. Thank you, Dana. Yeah. We'll find out a time to catch up in September.\n\nYes. Okay. Terrific. Thanks again. You too.\n\nBye bye.","paragraphs":[{"sentences":[{"text":"Hello, Dana.","start":2.1599998,"end":3.54,"sentiment":"neutral","sentiment_score":0.05964324623346329},{"text":"Good.","start":7.44,"end":7.8399997,"sentiment":"positive","sentiment_score":0.4301007390022278},{"text":"How are you?","start":7.8399997,"end":8.66,"sentiment":"neutral","sentiment_score":0.3020528058211009},{"text":"Yeah.","start":15.465,"end":15.865,"sentiment":"neutral","sentiment_score":0.202086478471756},{"text":"Good.","start":15.865,"end":16.185,"sentiment":"positive","sentiment_score":0.4011882543563843}],"sentiment":"neutral","sentiment_score":0.25735254772007465,"num_words":8,"start":2.1599998,"end":16.185},{"sentences":[{"text":"Thanks.","start":16.185,"end":16.505001,"sentiment":"positive","sentiment_score":0.4335957467556},{"text":"Good.","start":16.505001,"end":16.985,"sentiment":"neutral","sentiment_score":0.3191061019897461},{"text":"Yeah.","start":16.985,"end":17.485,"sentiment":"neutral","sentiment_score":0.12128596007823944},{"text":"I haven't been working as much, so I haven't been putting a lot into super at the moment.","start":18.585,"end":22.904999,"sentiment":"neutral","sentiment_score":-0.1064206740508477},{"text":"But but, yeah, I guess we can talk about that soon.","start":22.904999,"end":26.665,"sentiment":"neutral","sentiment_score":-0.01382526196539402}],"sentiment":"neutral","sentiment_score":-0.03730194392846897,"num_words":32,"start":16.185,"end":26.665},{"sentences":[{"text":"But other than that, well, it's cold.","start":26.665,"end":28.525,"sentiment":"neutral","sentiment_score":-0.0833268091082573},{"text":"The cold's started to come in down here in Melbourne, but if you like the cold, it's worthwhile to come down.","start":29.22,"end":36.84,"sentiment":"neutral","sentiment_score":-0.08810128058706011},{"text":"Fair enough.","start":43.22,"end":43.96,"sentiment":"neutral","sentiment_score":0.0749339759349823},{"text":"Really?","start":50.315,"end":50.635002,"sentiment":"neutral","sentiment_score":-0.010653475299477575},{"text":"You'd prefer it even warmer than that, you reckon?","start":50.635002,"end":52.895,"sentiment":"neutral","sentiment_score":-0.005045146474407779}],"sentiment":"neutral","sentiment_score":-0.05849015994463116,"num_words":40,"start":26.665,"end":52.895},{"sentences":[{"text":"Yes.","start":70.04,"end":70.439995,"sentiment":"neutral","sentiment_score":0.049617163836956024},{"text":"Fair enough.","start":70.439995,"end":71.0,"sentiment":"neutral","sentiment_score":0.06726285070180893},{"text":"Fair enough today.","start":71.0,"end":72.14,"sentiment":"neutral","sentiment_score":0.08352720240751903},{"text":"Yes.","start":95.0,"end":95.4,"sentiment":"neutral","sentiment_score":0.09284469485282898},{"text":"Yep.","start":95.4,"end":95.8,"sentiment":"neutral","sentiment_score":0.11671643704175948}],"sentiment":"neutral","sentiment_score":0.08053570054471493,"num_words":8,"start":70.04,"end":95.8},{"sentences":[{"text":"That's fine.","start":95.8,"end":96.54,"sentiment":"neutral","sentiment_score":0.22410085797309875},{"text":"Yeah.","start":106.005,"end":106.485,"sentiment":"neutral","sentiment_score":0.0189259871840477},{"text":"Jay Alcock or Alton Alcock, seventeenth of the second nineteen seventy five and 8 18 Storey Street in North Woonsaggee.","start":106.485,"end":116.345,"sentiment":"neutral","sentiment_score":0.015254916669800878},{"text":"Yeah.","start":121.77,"end":122.09,"sentiment":"neutral","sentiment_score":-0.014287996105849745},{"text":"Sorry.","start":122.09,"end":122.59,"sentiment":"neutral","sentiment_score":-0.05602122470736504}],"sentiment":"neutral","sentiment_score":0.02807667262852192,"num_words":25,"start":95.8,"end":122.59},{"sentences":[{"text":"I'm I'm not good at I was opening windows on the computer or laptop just trying to think, oh, jeez.","start":123.13,"end":128.57,"sentiment":"neutral","sentiment_score":-0.12824478149414062},{"text":"I needed to do that before I called, but all good.","start":128.57,"end":131.31,"sentiment":"neutral","sentiment_score":-0.07429290732199495},{"text":"Yes.","start":181.41,"end":181.91,"sentiment":"neutral","sentiment_score":-0.08733616024255753},{"text":"Okay.","start":204.01,"end":204.51,"sentiment":"neutral","sentiment_score":-0.02763674408197403},{"text":"Yep.","start":204.65,"end":204.97,"sentiment":"neutral","sentiment_score":0.0007780591840855777}],"sentiment":"neutral","sentiment_score":-0.1028327192813295,"num_words":34,"start":123.13,"end":204.97},{"sentences":[{"text":"Yep.","start":204.97,"end":205.37,"sentiment":"neutral","sentiment_score":0.006678366102278233},{"text":"No.","start":205.37,"end":205.53,"sentiment":"neutral","sentiment_score":-0.07039754837751389},{"text":"It seems to be it seems to have grown a little bit since, you know, July, I think, or April last year.","start":205.53,"end":212.985,"sentiment":"neutral","sentiment_score":-0.10153654285452583},{"text":"It had gone down a bit.","start":212.985,"end":214.10501,"sentiment":"neutral","sentiment_score":-0.15450431406497955},{"text":"So yep.","start":214.10501,"end":215.405,"sentiment":"neutral","sentiment_score":-0.02809309004805982}],"sentiment":"neutral","sentiment_score":-0.10252297467377502,"num_words":32,"start":204.97,"end":215.405},{"sentences":[{"text":"Not from October.","start":230.68,"end":231.64,"sentiment":"neutral","sentiment_score":-0.10725959142049153},{"text":"Yeah.","start":231.64,"end":232.14,"sentiment":"neutral","sentiment_score":0.02103140577673912},{"text":"Yep.","start":232.2,"end":232.7,"sentiment":"neutral","sentiment_score":0.11096521466970444},{"text":"Yep.","start":255.87,"end":256.37,"sentiment":"neutral","sentiment_score":0.0438523106276989},{"text":"Okay.","start":340.64,"end":341.12003,"sentiment":"neutral","sentiment_score":-0.004833061248064041}],"sentiment":"neutral","sentiment_score":-0.02153755777648517,"num_words":7,"start":230.68,"end":341.12003},{"sentences":[{"text":"Just out of curiosity too, I was is do I still have a small amount in another super to cover the MLC insurance?","start":341.12003,"end":352.745,"sentiment":"neutral","sentiment_score":-0.0008819284241484561},{"text":"I I don't, do I?","start":353.845,"end":355.305,"sentiment":"neutral","sentiment_score":-0.06433227509260178},{"text":"We did, didn't we?","start":361.365,"end":362.32498,"sentiment":"neutral","sentiment_score":-0.026614760980010033},{"text":"Yeah.","start":362.32498,"end":362.82498,"sentiment":"neutral","sentiment_score":0.004812244325876236},{"text":"Yep.","start":363.29,"end":363.79,"sentiment":"neutral","sentiment_score":0.039701852947473526}],"sentiment":"neutral","sentiment_score":-0.011879137525444521,"num_words":34,"start":341.12003,"end":363.79},{"sentences":[{"text":"That's that's okay.","start":377.975,"end":379.435,"sentiment":"neutral","sentiment_score":-0.12341150889794032},{"text":"It'll probably I yeah.","start":379.73502,"end":380.695,"sentiment":"neutral","sentiment_score":-0.006317532155662775},{"text":"I think it's later in the year, November or something, probably not long after I I have the the payment, the payout to Oakview Financial to the financial services.","start":380.695,"end":393.86,"sentiment":"neutral","sentiment_score":-0.018760554749390174},{"text":"I just know so it's something I wanna plan even if it's in the next in the next October sort of consultation.","start":394.0,"end":401.46,"sentiment":"neutral","sentiment_score":0.016201676208187233},{"text":"I'm not sure about using Oakville's financial going forward just because my super circumstances have changed so much.","start":403.285,"end":410.345,"sentiment":"neutral","sentiment_score":-0.22740591896904838}],"sentiment":"neutral","sentiment_score":-0.06153197905146762,"num_words":76,"start":377.975,"end":410.345},{"sentences":[{"text":"I don't have that regular fortnightly income where I'm putting that much into super.","start":410.485,"end":415.845,"sentiment":"neutral","sentiment_score":-0.2000108457037381},{"text":"And when I look at it, you know, as much as Hub twenty four and and I feel you've been great, just for me to learn and sort of hear someone talk about the, you know, that financial world and superannuation.","start":415.845,"end":429.88,"sentiment":"neutral","sentiment_score":0.0053757936125848355},{"text":"I just don't know whether I can afford to keep paying that tax to get that compounding effect.","start":430.26,"end":435.965,"sentiment":"negative","sentiment_score":-0.3892676416370604},{"text":"And so I've been looking at that, yeah, just with my wage change for this last year.","start":436.425,"end":445.74,"sentiment":"neutral","sentiment_score":-0.08334381264798782},{"text":"So that that will be one thing that I wanna look at going forward, whether I can continue to use our view.","start":445.88,"end":450.68,"sentiment":"neutral","sentiment_score":0.0028009644963524556}],"sentiment":"neutral","sentiment_score":-0.09769451292231679,"num_words":112,"start":410.485,"end":450.68},{"sentences":[{"text":"And and look, I I think Hub 24 at this stage, it's hard to understand Superb.","start":450.68,"end":458.06,"sentiment":"neutral","sentiment_score":-0.21853386028669775},{"text":"Although I have sort of done a little bit of research just online and had some other ideas if I can work out the right questions to ask, of course.","start":458.2,"end":466.535,"sentiment":"neutral","sentiment_score":0.13915217195947965},{"text":"But I I think Hub twenty four seems sufficient at the moment, and I'd I'd have to keep some in there if I'm gonna keep my life insurance policies.","start":466.535,"end":478.88,"sentiment":"neutral","sentiment_score":0.17097633023714198},{"text":"Is that you know?","start":478.88,"end":480.34003,"sentiment":"neutral","sentiment_score":0.051851145923137665},{"text":"Yeah.","start":481.36002,"end":481.86002,"sentiment":"neutral","sentiment_score":0.056337352842092514}],"sentiment":"neutral","sentiment_score":0.07375098634511232,"num_words":80,"start":450.68,"end":481.86002},{"sentences":[{"text":"Yep.","start":498.13498,"end":498.63498,"sentiment":"neutral","sentiment_score":0.24292407929897308},{"text":"Yes.","start":510.59,"end":511.09,"sentiment":"neutral","sentiment_score":0.20340260863304135},{"text":"I'd like to, but I just don't feel yeah.","start":538.35004,"end":541.07,"sentiment":"neutral","sentiment_score":-0.1432686663336224},{"text":"I'm I'm not at the moment.","start":541.07,"end":542.53,"sentiment":"neutral","sentiment_score":-0.30055704712867737},{"text":"And I am getting a little bit through through work, but it's not it's not to the point of being able to put in extra.","start":543.07,"end":549.525,"sentiment":"neutral","sentiment_score":-0.2041931402683258}],"sentiment":"neutral","sentiment_score":-0.18455385948930467,"num_words":42,"start":498.13498,"end":549.525},{"sentences":[{"text":"I'm just not in that position at the moment.","start":549.525,"end":551.625,"sentiment":"negative","sentiment_score":-0.3965051505300734},{"text":"So I think, well, I've gotta minimize mitigate the the money coming out of super for for advice for one or fees and so forth, and and I'll that that's what I'll try to look at the fees and so forth with Hub twenty four.","start":551.84503,"end":566.94995,"sentiment":"neutral","sentiment_score":-0.01329339620553785},{"text":"I do find Hub twenty four I I I do I don't know if it's as easy as the last superannuation company I was in to be able to to manage myself and just speak to the the provider.","start":566.94995,"end":580.22504,"sentiment":"neutral","sentiment_score":0.0327581045910334},{"text":"Find a little bit more clunky, I suppose.","start":580.22504,"end":582.405,"sentiment":"negative","sentiment_score":-0.4765688218176365},{"text":"But but I'll I'll I'll I'll I'll look at that down the track.","start":582.86505,"end":586.86505,"sentiment":"neutral","sentiment_score":-0.007705943658947945}],"sentiment":"neutral","sentiment_score":-0.05966588550067523,"num_words":114,"start":549.525,"end":586.86505},{"sentences":[{"text":"But I'm definitely at this stage, I'm wanting to probably, like, call of Oakview Financial as as one.","start":586.86505,"end":593.01,"sentiment":"neutral","sentiment_score":0.21371079256965053},{"text":"I've had a good think about that and and just doing the numbers for the even though it's great and I'd recommend it to others, I've certainly recommended it to my brother all the time.","start":593.01,"end":602.385,"sentiment":"positive","sentiment_score":0.5586627164057323},{"text":"But I just for me at the moment, it's just not it it doesn't add up at all.","start":602.465,"end":607.045,"sentiment":"neutral","sentiment_score":-0.33156364783644676},{"text":"Yeah.","start":608.145,"end":608.645,"sentiment":"neutral","sentiment_score":-0.07086947560310364},{"text":"Yeah.","start":639.385,"end":639.885,"sentiment":"neutral","sentiment_score":0.01616094261407852}],"sentiment":"neutral","sentiment_score":0.23804294721108593,"num_words":73,"start":586.86505,"end":639.885},{"sentences":[{"text":"On the super or alright.","start":690.305,"end":692.965,"sentiment":"neutral","sentiment_score":0.01658892147243023},{"text":"Alright.","start":693.025,"end":693.525,"sentiment":"neutral","sentiment_score":0.09459614753723145},{"text":"Yeah.","start":693.825,"end":694.325,"sentiment":"neutral","sentiment_score":0.04591727256774902},{"text":"Right.","start":730.19995,"end":730.69995,"sentiment":"neutral","sentiment_score":-0.060591183602809906},{"text":"Right.","start":733.87994,"end":734.12,"sentiment":"neutral","sentiment_score":-0.014618124812841415}],"sentiment":"neutral","sentiment_score":0.016472079894608922,"num_words":9,"start":690.305,"end":734.12},{"sentences":[{"text":"What what was the consequence just to hold you up for the great information?","start":734.12,"end":737.56,"sentiment":"neutral","sentiment_score":-0.05044993917856898},{"text":"Something I hadn't even put forward in.","start":737.56,"end":739.24,"sentiment":"neutral","sentiment_score":-0.09513894308890615},{"text":"So but just to get a real world example, what what what was the fees for last year's move from Netwealth into Hub twenty four?","start":739.24,"end":748.555,"sentiment":"neutral","sentiment_score":-0.06099782966077328},{"text":"Okay.","start":769.05,"end":769.53,"sentiment":"neutral","sentiment_score":-0.07762753218412399},{"text":"Right.","start":769.53,"end":769.93,"sentiment":"neutral","sentiment_score":-0.06120454519987106}],"sentiment":"neutral","sentiment_score":-0.06325103268803407,"num_words":48,"start":734.12,"end":769.93},{"sentences":[{"text":"So last year may have been either either a capital gains or a loss.","start":769.93,"end":773.61,"sentiment":"neutral","sentiment_score":-0.08484120826636042},{"text":"Yeah.","start":773.61,"end":774.11,"sentiment":"neutral","sentiment_score":-0.03608372062444687},{"text":"Yep.","start":782.60504,"end":783.10504,"sentiment":"neutral","sentiment_score":0.008381927385926247},{"text":"Okay.","start":801.69,"end":802.19,"sentiment":"neutral","sentiment_score":0.14851921796798706},{"text":"Yep.","start":802.25,"end":802.57,"sentiment":"neutral","sentiment_score":0.3090934753417969}],"sentiment":"neutral","sentiment_score":-0.042103667536543474,"num_words":18,"start":769.93,"end":802.57},{"sentences":[{"text":"Yep.","start":802.57,"end":803.07,"sentiment":"positive","sentiment_score":0.4972117841243744},{"text":"Yeah.","start":830.77496,"end":831.095,"sentiment":"neutral","sentiment_score":-0.04793909937143326},{"text":"Look, I think accessing a lot of I don't know.","start":831.095,"end":835.01495,"sentiment":"neutral","sentiment_score":-0.25596758872270586},{"text":"I guess just the optics of it.","start":835.01495,"end":838.13495,"sentiment":"neutral","sentiment_score":-0.22506565068449294},{"text":"And then also sometimes accessing the well, certainly the mobile app is terrible.","start":838.13495,"end":843.19495,"sentiment":"negative","sentiment_score":-0.3817839209850018}],"sentiment":"neutral","sentiment_score":-0.27028292906470597,"num_words":32,"start":802.57,"end":843.19495},{"sentences":[{"text":"Hub Netwealth, I could use a lot easier.","start":843.25494,"end":846.07495,"sentiment":"neutral","sentiment_score":-0.06753369327634573},{"text":"Even I found a problem gaining documents at times.","start":848.85004,"end":852.93,"sentiment":"negative","sentiment_score":-0.4365377724170685},{"text":"It's just really clunky and so forth.","start":852.93,"end":855.19,"sentiment":"negative","sentiment_score":-0.5466599932738713},{"text":"Just just those things come to mind in hindsight off the top of my head.","start":855.97003,"end":859.99,"sentiment":"neutral","sentiment_score":-0.11471579968929291},{"text":"But, look, I've been able to sort of get through it and and, you know, I I've gotta think, you know, now is it worthwhile changing something for that convenience, if you like, just just for and and and and then and risking the the loss or the tax implications or, you know, the rollover sort of costs associated with that.","start":860.445,"end":884.79004,"sentiment":"neutral","sentiment_score":-0.040256919774425325}],"sentiment":"neutral","sentiment_score":-0.1247213855246082,"num_words":100,"start":843.25494,"end":884.79004},{"sentences":[{"text":"I guess with I mean, Oakview Financial, again, nothing wrong with the services, but I know that my contributions have dropped a lot.","start":885.40497,"end":893.005,"sentiment":"neutral","sentiment_score":-0.08522017251538194},{"text":"You know, probably was a 100 over nearly a $100,000, you know, eighteen months ago within the last couple of years, and that's dropped to 50,000, let's say.","start":893.005,"end":904.43,"sentiment":"neutral","sentiment_score":-0.18077525895621097},{"text":"And I just think, well, you know, that $3,000, I think, a a a a Netwealth might charge something along that line per annum.","start":904.49,"end":912.96497,"sentiment":"neutral","sentiment_score":-0.13315373503913483},{"text":"My you know, that that that goes a long way when, you know, I've dropped my numbers and I've, you know, canceled other subscriptions and this and that really.","start":913.425,"end":921.425,"sentiment":"neutral","sentiment_score":-0.16580378482567854},{"text":"So it's been one of those things that's on my to do list to look at, you know, what my payments are with things.","start":921.425,"end":928.81995,"sentiment":"neutral","sentiment_score":-0.060916790583481394}],"sentiment":"neutral","sentiment_score":-0.12881073119933717,"num_words":128,"start":885.40497,"end":928.81995},{"sentences":[{"text":"So so it's again, it's nothing.","start":928.81995,"end":931.38,"sentiment":"neutral","sentiment_score":-0.021713007319097716},{"text":"It just I I just don't think I've got the you know, I don't have the excess amount to put in or to think about other investments that I could do with, like, and utilize Oakview with or tag.","start":931.38,"end":944.235,"sentiment":"neutral","sentiment_score":-0.07049310689744277},{"text":"You don't have the investment properties now.","start":944.235,"end":946.075,"sentiment":"neutral","sentiment_score":-0.1894870059830802},{"text":"So I just don't think that using Hub Oakview is is in my best interest in all honesty.","start":946.075,"end":953.935,"sentiment":"neutral","sentiment_score":-0.19128365773293707},{"text":"Yeah.","start":984.925,"end":985.245,"sentiment":"neutral","sentiment_score":-0.041452303528785706}],"sentiment":"neutral","sentiment_score":-0.10831656897912773,"num_words":71,"start":928.81995,"end":985.245},{"sentences":[{"text":"Of course.","start":985.245,"end":985.905,"sentiment":"neutral","sentiment_score":-0.013685036450624464},{"text":"Yep.","start":986.205,"end":986.705,"sentiment":"neutral","sentiment_score":0.05322686955332756},{"text":"Yeah.","start":1000.13995,"end":1000.63995,"sentiment":"neutral","sentiment_score":0.03257445991039276},{"text":"Well, I guess, firstly, I've still got at least three months of service because I paid twelve months in advance, don't I?","start":1086.29,"end":1093.3551,"sentiment":"neutral","sentiment_score":-0.002559086392548951},{"text":"Is that right?","start":1093.415,"end":1094.3151,"sentiment":"neutral","sentiment_score":-0.08174735307693481}],"sentiment":"neutral","sentiment_score":-0.008383127700152069,"num_words":29,"start":985.245,"end":1094.3151},{"sentences":[{"text":"Oh, that's true.","start":1165.26,"end":1166.14,"sentiment":"neutral","sentiment_score":-0.14318030327558517},{"text":"Yeah.","start":1166.14,"end":1166.64,"sentiment":"neutral","sentiment_score":-0.06077332422137261},{"text":"Yep.","start":1178.9551,"end":1179.4551,"sentiment":"neutral","sentiment_score":0.01437984686344862},{"text":"No.","start":1232.625,"end":1232.705,"sentiment":"neutral","sentiment_score":-0.027518805116415024},{"text":"Good.","start":1232.705,"end":1232.945,"sentiment":"neutral","sentiment_score":0.15286816656589508}],"sentiment":"neutral","sentiment_score":-0.05008357510502849,"num_words":7,"start":1165.26,"end":1232.945},{"sentences":[{"text":"Good.","start":1232.945,"end":1233.1849,"sentiment":"neutral","sentiment_score":0.27353423833847046},{"text":"I'm glad we've opened that sort of yeah.","start":1233.1849,"end":1235.265,"sentiment":"positive","sentiment_score":0.39356985315680504},{"text":"That window in the mind's eye for me.","start":1235.265,"end":1237.605,"sentiment":"neutral","sentiment_score":0.18742238357663155},{"text":"Yeah.","start":1238.1449,"end":1238.385,"sentiment":"neutral","sentiment_score":0.06830552965402603},{"text":"It's something that we did talk about last year.","start":1238.385,"end":1241.0249,"sentiment":"neutral","sentiment_score":0.041995974671509534}],"sentiment":"neutral","sentiment_score":0.198805238292725,"num_words":27,"start":1232.945,"end":1241.0249},{"sentences":[{"text":"I think it did maybe comparison with the insurances and and it seems more you know, risk adverse just to stay with MLC, I think.","start":1241.0249,"end":1251.47,"sentiment":"neutral","sentiment_score":-0.028215635418891907},{"text":"Yeah.","start":1252.25,"end":1252.75,"sentiment":"neutral","sentiment_score":0.006283607333898544},{"text":"Right.","start":1266.745,"end":1267.245,"sentiment":"negative","sentiment_score":-0.33819857239723206},{"text":"That's right.","start":1302.515,"end":1303.2351,"sentiment":"neutral","sentiment_score":-0.06619510240852833},{"text":"We did speak about that.","start":1303.2351,"end":1304.775,"sentiment":"neutral","sentiment_score":-0.0345510832965374}],"sentiment":"neutral","sentiment_score":-0.03948386681868749,"num_words":34,"start":1241.0249,"end":1304.775},{"sentences":[{"text":"I mean, if you've had a history, I mean, circumstantial, whether it's like twelve months, eighteen months, it's like giving up smoking or something, then you can then you, you know, do another review it and have an undertake, and then those those alerts or what do they call it?","start":1306.43,"end":1322.575,"sentiment":"neutral","sentiment_score":-0.044438769351691006},{"text":"Those those steep yeah.","start":1322.575,"end":1326.115,"sentiment":"neutral","sentiment_score":-0.04221213306300342},{"text":"So would that be the case with mental health things too?","start":1326.255,"end":1329.635,"sentiment":"neutral","sentiment_score":-0.018785813146016815},{"text":"Yeah.","start":1360.155,"end":1360.655,"sentiment":"neutral","sentiment_score":-0.023336604237556458},{"text":"Mhmm.","start":1367.03,"end":1367.53,"sentiment":"neutral","sentiment_score":-0.10708480328321456}],"sentiment":"neutral","sentiment_score":-0.040714214208410746,"num_words":67,"start":1306.43,"end":1367.53},{"sentences":[{"text":"I haven't looked at it in the last few weeks.","start":1425.81,"end":1427.65,"sentiment":"neutral","sentiment_score":-0.056650349497795106},{"text":"I can't even remember the figures here.","start":1427.65,"end":1429.59,"sentiment":"neutral","sentiment_score":-0.07387912113751684},{"text":"I might be worth more more dead than alive.","start":1469.33,"end":1471.73,"sentiment":"negative","sentiment_score":-0.5243015885353088},{"text":"Yeah.","start":1471.73,"end":1472.23,"sentiment":"neutral","sentiment_score":-0.2458169162273407},{"text":"No.","start":1476.13,"end":1476.37,"sentiment":"neutral","sentiment_score":-0.2839270234107971}],"sentiment":"neutral","sentiment_score":-0.22614698497844593,"num_words":28,"start":1425.81,"end":1476.37},{"sentences":[{"text":"I'm just joking.","start":1476.37,"end":1477.25,"sentiment":"neutral","sentiment_score":-0.2855592171351115},{"text":"It's just yeah.","start":1477.25,"end":1478.5299,"sentiment":"neutral","sentiment_score":-0.256884902715683},{"text":"It's probably the wrong person to say that.","start":1478.5299,"end":1482.615,"sentiment":"negative","sentiment_score":-0.4110856354236603},{"text":"But no.","start":1482.995,"end":1484.2151,"sentiment":"negative","sentiment_score":-0.37469007074832916},{"text":"Interesting.","start":1485.635,"end":1485.9551,"sentiment":"neutral","sentiment_score":-0.08164820075035095}],"sentiment":"negative","sentiment_score":-0.3380615167758044,"num_words":17,"start":1476.37,"end":1485.9551},{"sentences":[{"text":"Yeah.","start":1485.9551,"end":1486.4551,"sentiment":"neutral","sentiment_score":-0.01211339421570301},{"text":"Yeah.","start":1486.5951,"end":1487.0951,"sentiment":"neutral","sentiment_score":-0.0162816159427166},{"text":"Yep.","start":1501.5801,"end":1502.0801,"sentiment":"neutral","sentiment_score":-0.03165723383426666},{"text":"If you sorry.","start":1516.505,"end":1517.885,"sentiment":"neutral","sentiment_score":0.0038742373387018834},{"text":"If you did claim on your if you just if you did claim on your TPD, just hypothetically, does then your life insurance within two years, that would change a lot, wouldn't it?","start":1518.265,"end":1529.7201,"sentiment":"neutral","sentiment_score":-0.029350010283065563}],"sentiment":"neutral","sentiment_score":-0.026076406956865236,"num_words":39,"start":1485.9551,"end":1529.7201},{"sentences":[{"text":"Like, because you're already you're in a much more vulnerable state, so so would the life insurance no?","start":1529.7201,"end":1539.755,"sentiment":"neutral","sentiment_score":-0.1618608764062325},{"text":"When you did the initial undertaking or something and yeah.","start":1561.01,"end":1566.405,"sentiment":"neutral","sentiment_score":-0.08577980119735003},{"text":"So well, it doesn't make I mean, it's good to know I didn't know that, but so that that's interesting.","start":1624.37,"end":1630.775,"sentiment":"neutral","sentiment_score":0.15034627132117748},{"text":"So you hypothetically claim TPD, and then within fourteen days, you need to then make sure that you rein Yep.","start":1630.835,"end":1663.215,"sentiment":"neutral","sentiment_score":0.011404687352478505},{"text":"Right.","start":1671.95,"end":1672.2699,"sentiment":"neutral","sentiment_score":0.04014662280678749}],"sentiment":"neutral","sentiment_score":-0.007190260739214178,"num_words":69,"start":1529.7201,"end":1672.2699},{"sentences":[{"text":"So you might not be able Oh, I see.","start":1672.2699,"end":1736.485,"sentiment":"neutral","sentiment_score":0.02851992493702306},{"text":"I see why it's like that now.","start":1736.485,"end":1738.245,"sentiment":"neutral","sentiment_score":0.21892353892326355},{"text":"Yeah.","start":1738.245,"end":1738.645,"sentiment":"neutral","sentiment_score":0.16077354550361633},{"text":"Yeah.","start":1738.645,"end":1739.145,"sentiment":"neutral","sentiment_score":0.1608351767063141},{"text":"Right.","start":1744.34,"end":1744.8201,"sentiment":"neutral","sentiment_score":-0.01776936464011669}],"sentiment":"neutral","sentiment_score":0.11015702391925611,"num_words":19,"start":1672.2699,"end":1744.8201},{"sentences":[{"text":"So it's not like you're claiming TPD and then, you know, there's some other, you know, undertaking or something to get your life covered back up to the original amount that you had.","start":1744.8201,"end":1755.225,"sentiment":"neutral","sentiment_score":-0.09386867273486021},{"text":"It's just a yeah.","start":1755.3049,"end":1756.905,"sentiment":"neutral","sentiment_score":-0.20474860817193985},{"text":"Yeah.","start":1756.905,"end":1757.405,"sentiment":"neutral","sentiment_score":-0.052397072315216064},{"text":"Just to check whether it's yeah.","start":1758.1849,"end":1760.585,"sentiment":"neutral","sentiment_score":-0.060144356451928616},{"text":"Yeah.","start":1760.585,"end":1761.085,"sentiment":"neutral","sentiment_score":0.057188987731933594}],"sentiment":"neutral","sentiment_score":-0.09494966347184446,"num_words":45,"start":1744.8201,"end":1761.085},{"sentences":[{"text":"Okay.","start":1780.28,"end":1780.78,"sentiment":"neutral","sentiment_score":-0.14844463765621185},{"text":"Oh, well.","start":1799.62,"end":1800.36,"sentiment":"negative","sentiment_score":-0.4532131403684616},{"text":"You're better off putting that lump sum amount straight into your super then rather than and or trying to to minimize the tax.","start":1858.97,"end":1867.5549,"sentiment":"neutral","sentiment_score":0.010902921466723732},{"text":"Yeah.","start":1867.775,"end":1868.095,"sentiment":"neutral","sentiment_score":0.005820264108479023},{"text":"Or something like that.","start":1868.095,"end":1869.395,"sentiment":"neutral","sentiment_score":-0.0022414270788431168}],"sentiment":"neutral","sentiment_score":-0.026040295769851052,"num_words":31,"start":1780.28,"end":1869.395},{"sentences":[{"text":"Oh, it's at Roxanne.","start":1887.14,"end":1888.2,"sentiment":"neutral","sentiment_score":-0.00987020111642778},{"text":"Yes.","start":1908.1,"end":1908.6,"sentiment":"neutral","sentiment_score":-0.0780801996588707},{"text":"Yes.","start":1963.36,"end":1963.86,"sentiment":"neutral","sentiment_score":-0.018090980127453804},{"text":"Yep.","start":1963.92,"end":1964.42,"sentiment":"neutral","sentiment_score":0.03172965720295906},{"text":"And so just a just a hypothetical, I remember you saying that with the fourteen day buyback with CPD and the life insurance, if that and you mentioned that some other insurances have, you know, a twelve month buyback or something, so you have to wait that twelve months before buyback of your full life insurance.","start":1966.16,"end":1989.47,"sentiment":"neutral","sentiment_score":0.02386235023316528}],"sentiment":"neutral","sentiment_score":0.019561417238225066,"num_words":63,"start":1887.14,"end":1989.47},{"sentences":[{"text":"But how much does that reduce in your premium fees, like those sorts of slight changes in time?","start":1989.85,"end":1996.75,"sentiment":"neutral","sentiment_score":0.08029195397264427},{"text":"Is that one of the big fee?","start":1998.81,"end":2000.43,"sentiment":"neutral","sentiment_score":-0.029893155076674054},{"text":"Yeah.","start":2000.5701,"end":2001.0701,"sentiment":"neutral","sentiment_score":0.022312140092253685},{"text":"Okay.","start":2015.6649,"end":2016.1649,"sentiment":"neutral","sentiment_score":0.017816215753555298},{"text":"Yeah.","start":2108.75,"end":2108.99,"sentiment":"neutral","sentiment_score":0.02715694159269333}],"sentiment":"neutral","sentiment_score":0.046546013693192174,"num_words":28,"start":1989.85,"end":2108.99},{"sentences":[{"text":"So that's $70 a year or, you know, 700 dollars a decade or something.","start":2108.99,"end":2113.71,"sentiment":"neutral","sentiment_score":0.01082802437511938},{"text":"Yeah.","start":2113.71,"end":2114.21,"sentiment":"neutral","sentiment_score":0.08974303305149078},{"text":"Interesting.","start":2114.625,"end":2114.9849,"sentiment":"neutral","sentiment_score":0.2143998146057129},{"text":"It all adds up.","start":2114.9849,"end":2116.065,"sentiment":"neutral","sentiment_score":0.12221970036625862},{"text":"Yeah.","start":2116.065,"end":2116.565,"sentiment":"neutral","sentiment_score":0.0944271981716156}],"sentiment":"neutral","sentiment_score":0.049478151835501194,"num_words":21,"start":2108.99,"end":2116.565},{"sentences":[{"text":"Wow.","start":2117.585,"end":2118.085,"sentiment":"neutral","sentiment_score":0.17607496678829193},{"text":"Or yes.","start":2119.745,"end":2120.405,"sentiment":"neutral","sentiment_score":0.09138640388846397},{"text":"Just yeah.","start":2120.545,"end":2122.625,"sentiment":"neutral","sentiment_score":0.194902703166008},{"text":"Just yeah.","start":2122.625,"end":2123.665,"sentiment":"neutral","sentiment_score":0.08331438526511192},{"text":"Interesting.","start":2123.665,"end":2124.165,"sentiment":"neutral","sentiment_score":0.07804013043642044}],"sentiment":"neutral","sentiment_score":0.12416526023298502,"num_words":8,"start":2117.585,"end":2124.165},{"sentences":[{"text":"I know I'm gonna have to go though, but look yeah.","start":2124.705,"end":2129.19,"sentiment":"neutral","sentiment_score":0.00007812143303453922},{"text":"Look, I I guess going forward, I will, you know, I still what what I discussed, we'll probably look at doing, but I just I don't know.","start":2129.19,"end":2138.8699,"sentiment":"neutral","sentiment_score":0.006662120145780069},{"text":"Maybe I'll I'll try to just have a look initially, you know, whether that hub 20 4 fee wise for for what I am.","start":2138.8699,"end":2150.795,"sentiment":"neutral","sentiment_score":0.007414836184276889},{"text":"If I'm looking at saying if if I have the the template in my mind that I'm really knowing that I'm putting less into super now, so I'm trying to mitigate the not the risk involved in in the the cons you know, what the risk in the portfolio, but the other little hidden fees, I'm trying to mitigate all of those that are adding up and maybe, you know, somehow finding that equilibrium from what I'm not putting in as much as to what the fees are like, you know, as opposed to the retail fund, to the industry fund, or or to the financial advice and those other subtleties with the insurances and so forth that are a little bit more yeah.","start":2150.795,"end":2194.1501,"sentiment":"neutral","sentiment_score":0.008912628313766853},{"text":"So if you're happy to have a look at some of those options, if you understand where I'm coming from there.","start":2194.1501,"end":2200.6501,"sentiment":"neutral","sentiment_score":0.16220255994371005}],"sentiment":"neutral","sentiment_score":0.02352711264660429,"num_words":207,"start":2124.705,"end":2200.6501},{"sentences":[{"text":"Yeah.","start":2201.805,"end":2202.305,"sentiment":"positive","sentiment_score":0.3753061890602112},{"text":"Yeah.","start":2222.6301,"end":2222.87,"sentiment":"neutral","sentiment_score":0.09081421792507172},{"text":"Okay.","start":2222.87,"end":2223.35,"sentiment":"neutral","sentiment_score":0.09095623344182968},{"text":"Yeah.","start":2223.35,"end":2223.85,"sentiment":"neutral","sentiment_score":0.08389787375926971},{"text":"Well, what is it?","start":2224.7102,"end":2225.85,"sentiment":"neutral","sentiment_score":0.05756891891360283}],"sentiment":"neutral","sentiment_score":0.1089062737300992,"num_words":8,"start":2201.805,"end":2225.85},{"sentences":[{"text":"Yeah.","start":2226.2302,"end":2226.4702,"sentiment":"neutral","sentiment_score":0.05498735606670379},{"text":"Maybe in September.","start":2226.4702,"end":2227.4502,"sentiment":"neutral","sentiment_score":0.042675034453471504},{"text":"What what do you mean in the back end?","start":2267.215,"end":2268.815,"sentiment":"neutral","sentiment_score":-0.06404702158437835},{"text":"I'll just like, in the back end of of of the of the the platform itself rather than the back end of of when I'm 65 sort of thing.","start":2268.815,"end":2281.03,"sentiment":"neutral","sentiment_score":0.024083458047745556},{"text":"Yes.","start":2339.67,"end":2340.17,"sentiment":"neutral","sentiment_score":0.15137779712677002}],"sentiment":"neutral","sentiment_score":0.010613659201839636,"num_words":43,"start":2226.2302,"end":2340.17},{"sentences":[{"text":"Yeah.","start":2340.47,"end":2340.8699,"sentiment":"neutral","sentiment_score":0.0876065194606781},{"text":"It sounds like a Cintiq that's in Lotto or something, you know, or something like that.","start":2340.8699,"end":2345.445,"sentiment":"neutral","sentiment_score":0.058926667319610715},{"text":"Yeah.","start":2345.445,"end":2345.945,"sentiment":"neutral","sentiment_score":0.14030200242996216},{"text":"I mean, good.","start":2349.2852,"end":2350.5051,"sentiment":"neutral","sentiment_score":0.17300466696421304},{"text":"Okay.","start":2379.075,"end":2379.575,"sentiment":"neutral","sentiment_score":0.09019728004932404}],"sentiment":"neutral","sentiment_score":0.08090665817938068,"num_words":22,"start":2340.47,"end":2379.575},{"sentences":[{"text":"Yeah.","start":2472.68,"end":2473.0,"sentiment":"neutral","sentiment_score":0.03647798299789429},{"text":"Well, that's sorry.","start":2473.0,"end":2474.04,"sentiment":"neutral","sentiment_score":-0.08285657626887162},{"text":"Yeah.","start":2474.04,"end":2474.54,"sentiment":"neutral","sentiment_score":-0.0738801658153534},{"text":"No.","start":2501.8,"end":2502.04,"sentiment":"neutral","sentiment_score":-0.04827208071947098},{"text":"Of course.","start":2502.04,"end":2502.78,"sentiment":"neutral","sentiment_score":0.014719344675540924}],"sentiment":"neutral","sentiment_score":-0.03810066287405789,"num_words":8,"start":2472.68,"end":2502.78},{"sentences":[{"text":"Yeah.","start":2510.2002,"end":2510.52,"sentiment":"neutral","sentiment_score":0.2727966010570526},{"text":"Thanks.","start":2510.52,"end":2511.02,"sentiment":"positive","sentiment_score":0.41726362705230713},{"text":"Thanks, Dana.","start":2511.08,"end":2511.96,"sentiment":"positive","sentiment_score":0.39434918761253357},{"text":"Yeah.","start":2511.96,"end":2512.365,"sentiment":"neutral","sentiment_score":0.1688874065876007},{"text":"And just when you were saying that because I was in that more that that sort of portfolio within Hub twenty four, that allows you to be able to recommend different changes where you don't have that access if it's in the what what what did you put into the core no into the core investment.","start":2512.605,"end":2533.0,"sentiment":"neutral","sentiment_score":0.0755294841115496}],"sentiment":"neutral","sentiment_score":0.0963491331175214,"num_words":61,"start":2510.2002,"end":2533.0},{"sentences":[{"text":"Oh, wow.","start":2588.5151,"end":2589.0752,"sentiment":"neutral","sentiment_score":0.28406185656785965},{"text":"Okay.","start":2589.0752,"end":2589.5752,"sentiment":"neutral","sentiment_score":0.23742333054542544},{"text":"Okay.","start":2598.81,"end":2599.13,"sentiment":"neutral","sentiment_score":0.07944956421852112},{"text":"Yeah.","start":2599.13,"end":2599.53,"sentiment":"neutral","sentiment_score":0.07136830687522888},{"text":"Look.","start":2599.53,"end":2599.8499,"sentiment":"neutral","sentiment_score":0.07243936508893967}],"sentiment":"neutral","sentiment_score":0.17146737997730574,"num_words":6,"start":2588.5151,"end":2599.8499},{"sentences":[{"text":"Yeah.","start":2599.8499,"end":2600.0898,"sentiment":"neutral","sentiment_score":0.08069981634616852},{"text":"Well, I think you understand the paradigm that I'm coming from trying to save money within those super choices and and and what I can control there at this stage and and less less about insurance, but that would be the next one down to, I I guess.","start":2600.0898,"end":2617.68,"sentiment":"neutral","sentiment_score":0.039351779385469854},{"text":"And then also that that financial advice whether well, not that whether it's worth it.","start":2617.92,"end":2623.28,"sentiment":"neutral","sentiment_score":0.05946296925346057},{"text":"It's just whether it's worth it for me with what I'm putting into it and the need for change.","start":2623.28,"end":2627.44,"sentiment":"neutral","sentiment_score":0.16682099080399462},{"text":"I mean, you know, so I just wanna be mindful on how I say that.","start":2627.44,"end":2631.92,"sentiment":"neutral","sentiment_score":0.0710550052424272}],"sentiment":"neutral","sentiment_score":0.0724178945873769,"num_words":98,"start":2599.8499,"end":2631.92},{"sentences":[{"text":"But but alright.","start":2631.92,"end":2634.185,"sentiment":"neutral","sentiment_score":0.025232192128896713},{"text":"Thank you.","start":2635.205,"end":2636.0251,"sentiment":"positive","sentiment_score":0.4135402888059616},{"text":"Yeah.","start":2655.88,"end":2656.2,"sentiment":"neutral","sentiment_score":0.1727045774459839},{"text":"Of course.","start":2656.2,"end":2656.52,"sentiment":"neutral","sentiment_score":0.19620724022388458},{"text":"I appreciate that.","start":2656.52,"end":2657.5598,"sentiment":"positive","sentiment_score":0.4061570664246877}],"sentiment":"neutral","sentiment_score":0.24421521919694814,"num_words":11,"start":2631.92,"end":2657.5598},{"sentences":[{"text":"Yeah.","start":2657.5598,"end":2658.0598,"sentiment":"neutral","sentiment_score":0.15253114700317383},{"text":"Okay.","start":2692.005,"end":2692.4849,"sentiment":"neutral","sentiment_score":0.2785811126232147},{"text":"Thank you, Dana.","start":2692.4849,"end":2693.545,"sentiment":"positive","sentiment_score":0.572985827922821},{"text":"Yeah.","start":2693.845,"end":2694.345,"sentiment":"neutral","sentiment_score":0.24973338842391968},{"text":"We'll find out a time to catch up in September.","start":2694.565,"end":2697.145,"sentiment":"neutral","sentiment_score":0.22436028718948364}],"sentiment":"neutral","sentiment_score":0.2902128752321005,"num_words":16,"start":2657.5598,"end":2697.145},{"sentences":[{"text":"Yes.","start":2697.525,"end":2698.025,"sentiment":"neutral","sentiment_score":0.2139038443565369},{"text":"Okay.","start":2717.705,"end":2718.105,"sentiment":"positive","sentiment_score":0.4390221834182739},{"text":"Terrific.","start":2718.105,"end":2718.605,"sentiment":"positive","sentiment_score":0.8132925033569336},{"text":"Thanks again.","start":2718.905,"end":2719.725,"sentiment":"positive","sentiment_score":0.8275539875030518},{"text":"You too.","start":2723.065,"end":2723.705,"sentiment":"positive","sentiment_score":0.4480199068784714}],"sentiment":"positive","sentiment_score":0.5739094742706844,"num_words":7,"start":2697.525,"end":2723.705},{"sentences":[{"text":"Bye bye.","start":2723.705,"end":2724.445,"sentiment":"neutral","sentiment_score":0.31528373062610626}],"sentiment":"neutral","sentiment_score":0.31528373062610626,"num_words":2,"start":2723.705,"end":2724.445}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello, Dana.\n\nChannel 0: Hi, Jay. It's Dana from Okeech. How are you?\n\nChannel 1: Good. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in for a bit of a quick catch up this morning. How's everything been going?\n\nChannel 1: Yeah. Good. Thanks. Good. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I haven't been working as much, so I haven't been putting a lot into super at the moment. But\n\nChannel 0: Yep. Yeah.\n\nChannel 1: but, yeah, I guess we can talk about that soon. But other than that, well, it's cold. The cold's started to come in down here in Melbourne, but if you like the cold, it's worthwhile to come down.\n\nChannel 0: Yeah. No. No. Look. I'll I'll stay in my week.\n\nWe'll set the crane plan side of things, but thanks anyway.\n\nChannel 1: Fair enough.\n\nChannel 0: I I own the weak side of me. I like the warmth, and up here is cold enough for my liking. So\n\nChannel 1: Really? You'd prefer it even warmer than that, you reckon?\n\nChannel 0: yeah. Yeah. Definitely. I'm not a cold person. I don't really like the cold very much.\n\nIt's not not a comfort area for me. My my husband's family are down south and sort of inland New South Wales, and that gets cold enough. It gets down to the minus in winter. So that's enough for me.\n\nChannel 1: Yes. Fair enough. Fair enough today.\n\nChannel 0: Yeah. No. Absolutely. All good. Well, look, I just wanted to sort of touch base and do a bit of a quick catch up with you.\n\nI did promise we do catch ups, and I think now is a really good time to do a bit of a catch up with the ups and downs and and what we've sort of been feeling over the past few months there. Before I jump into the call completely, Jay, and go through your details, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yes. Yep. That's fine.\n\nChannel 0: Yep. Beautiful. And just to do security there with you as well, just to confirm, your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yeah. Jay Alcock or Alton Alcock, seventeenth of the second nineteen seventy five and\n\nChannel 0: Yep.\n\nChannel 1: 8 18 Storey Street in North Woonsaggee.\n\nChannel 0: Beautiful. Thank you so much for that. For a second there, I thought you'd forgotten.\n\nChannel 1: Yeah. Sorry. I'm I'm not good at I was opening windows on the computer or laptop just trying to think, oh, jeez. I needed to do that before I called, but all good.\n\nChannel 0: No. That's okay. So I don't have anything I need to send out or to show you today. It's more just a bit of a quick catch up just to sort of see how things are going for you. I know you are due to have your annual review in a few months, and we'll go through and do a full proper review.\n\nBut I know just sort of having a look at the markets, we have seen a lot of ups and downs there, and I won't show if you at your super very often, but we have this year been feeling a lot of that volatility with what's occurring between The US and Iran. But also here in Australia, we are seeing high inflationary pressures as well, and high inflation takes a bit of a hit on defensive investments, so things like bonds. Whereas, obviously, the the war in Iran has affected equity markets a little bit. And because you're in a high growth portfolio, you are seeing you are taking a bit more risk in the market to obtain greater levels of return. But it also\n\nChannel 1: Yes.\n\nChannel 0: means that in these sorts of times, you are gonna see those downs a little bit where your portfolio sees a bit of a a pullback or a bit of a negative return. And it's about just sort of waiting through those and making sure that we can, you know, hopefully, not cement too much in the way of losses and just allowing your portfolio to come back and sort of recover out of that those downtimes. Okay?\n\nChannel 1: Okay. Yep. Yep. No. It seems to be it seems to have grown a little bit since, you know, July, I think, or April last year.\n\nIt had gone down a bit. So\n\nChannel 0: Yeah.\n\nChannel 1: yep.\n\nChannel 0: Yeah. Yeah. So when I sort of look at the way things have been going, obviously, December, your balance is a bit over a $180,008.73. Your balance is still at that sort of $180,000 mark. You are down a little bit on the balance in December there,\n\nChannel 1: Not\n\nChannel 0: essentially,\n\nChannel 1: from October.\n\nChannel 0: from\n\nChannel 1: Yeah.\n\nChannel 0: the early\n\nChannel 1: Yep.\n\nChannel 0: this year from sort of October where we saw really good positive returns December again. But then sort of from there this year, around about March was probably our biggest downturn with what was occurring globally. The portfolios have sort of come back, and the market is recovering a little bit there, but we're not really back at that point where we were when you sort of look at where you were in October. So\n\nChannel 1: Yep.\n\nChannel 0: I just sort of wanna, for the moment, just sort of sit on things. I'm not making any changes at the moment. I'd rather just sort of allow things to recover, give you the full year from your review, and we come back at review time and just review the portfolio as a whole, look at your goals, and sort of see if we make any changes at that point. There are some changes I think we might need to make to the portfolio. But right now, I feel like I don't wanna cement too much in the way of losses.\n\nSo I'd rather just sort of see if we can come out of this time, the volatility between what's happening in overseas as well as, obviously, end of financial year. There is those ups and downs this time of year as well because people are taking profits. They are selling off and altering portfolios to kind of, you know, cement loss to tax time and cement gains and full income and things like that. So it is a bit of a volatile time out there, but I just wanted to make sure that I was touching base with you and talking you through that and giving you an update. And I will be honest, Markets do go down.\n\nThey do have these kinds of reactions, and I wanted to make sure that you didn't feel forgotten that, you know, we were here and that I was talking you through that, and I'll always stand for and for when a when a year isn't great. I'll let you know and be honest with you and let you know why it's not great and that you're still young enough. You're not retiring just yet, so let's sort of push through and keep reviewing it moving forward. Okay?\n\nChannel 1: Okay. Just out of curiosity too, I\n\nChannel 0: Yeah.\n\nChannel 1: was is do I still have a small amount in another super to cover the MLC insurance? I\n\nChannel 0: So\n\nChannel 1: I\n\nChannel 0: your\n\nChannel 1: don't,\n\nChannel 0: MLC\n\nChannel 1: do I?\n\nChannel 0: in no. Your MLC insurance is being paid out of your hub 24. So we changed where that was being paid from. It's\n\nChannel 1: We\n\nChannel 0: being\n\nChannel 1: did,\n\nChannel 0: paid\n\nChannel 1: didn't\n\nChannel 0: out of\n\nChannel 1: we?\n\nChannel 0: your\n\nChannel 1: Yeah.\n\nChannel 0: hub twenty four.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Yes. So those premiums come out of hub twenty four, and I can tell you when they come out of there as well just to make sure. So let's have a look.\n\nChannel 1: That's\n\nChannel 0: Sorry. Won't be\n\nChannel 1: that's\n\nChannel 0: a\n\nChannel 1: okay.\n\nChannel 0: second. That's\n\nChannel 1: It'll probably\n\nChannel 0: alright.\n\nChannel 1: I yeah. I think it's later in the year, November or something, probably\n\nChannel 0: It is.\n\nChannel 1: not long after I I have the the payment, the payout to Oakview Financial to the financial services. I just know so it's\n\nChannel 0: Yeah.\n\nChannel 1: something I wanna plan even if it's in the next in the next October sort of consultation.\n\nChannel 0: Yeah.\n\nChannel 1: I'm not sure about using Oakville's financial going forward just because my\n\nChannel 0: Okay.\n\nChannel 1: super circumstances have changed so much. I don't\n\nChannel 0: Okay.\n\nChannel 1: have that regular fortnightly income where I'm putting that much into super. And when I look at it, you know, as much as Hub twenty four and and I feel you've been great, just for me to learn and sort of hear someone talk about the, you know, that financial world and superannuation. I just don't know whether I can afford to keep paying that tax to get that compounding effect. And so I've been looking\n\nChannel 0: Yeah.\n\nChannel 1: at that, yeah, just with my wage change for this last year. So that that will be one thing that I wanna look at going forward, whether I\n\nChannel 0: Mhmm.\n\nChannel 1: can continue\n\nChannel 0: Yeah.\n\nChannel 1: to use our view. And\n\nChannel 0: Yeah.\n\nChannel 1: and look, I I think Hub 24 at this stage, it's hard to understand Superb. Although I have sort of done a little bit of research just online and had some other ideas if I can work out the right questions to ask, of course. But I I think Hub twenty four seems sufficient at the moment, and I'd I'd have to keep some in there if I'm gonna keep my life insurance policies. Is that you know?\n\nChannel 0: Well,\n\nChannel 1: Yeah.\n\nChannel 0: not necessarily. If you decide that you do wanna go back to an industry fund and look, we're never gonna hold you here. If it's not something you want, you don't see the value in it, that's absolutely fine. If you do go back to an industry super fund, you can actually have your insurances paid out of that fund. It just means\n\nChannel 1: Yep.\n\nChannel 0: that you need to have a change of essentially, it's an enduring rollover form, but you can have those paid out of an industry fund. It's not a problem at all. You don't have to retain hub 24.\n\nChannel 1: Yes.\n\nChannel 0: But if you sort of the other thing I kinda wanna look at is because your income is there, to be able to grow your super and really affect the compounding, we do need to make sure contributions are going in, but also review the portfolio on a regular basis. So do you find you have any extra money? Are you wanting to maybe look at salary sacrificing to help provide that boost to your super, or do you have any kind of excess cash you can be putting in even sort of 20 or $40 in a fortnightly or monthly basis? Are you\n\nChannel 1: I'd\n\nChannel 0: sort\n\nChannel 1: like\n\nChannel 0: of open\n\nChannel 1: to,\n\nChannel 0: to\n\nChannel 1: but\n\nChannel 0: doing\n\nChannel 1: I\n\nChannel 0: anything\n\nChannel 1: just don't\n\nChannel 0: like\n\nChannel 1: feel\n\nChannel 0: that?\n\nChannel 1: yeah. I'm I'm not at the moment. And I am\n\nChannel 0: Yeah.\n\nChannel 1: getting a little bit through through work, but it's not it's not to the point of being able to put in extra. I'm just not in that position at the moment. So I\n\nChannel 0: Yeah.\n\nChannel 1: think, well, I've\n\nChannel 0: No.\n\nChannel 1: gotta\n\nChannel 0: That's\n\nChannel 1: minimize\n\nChannel 0: okay.\n\nChannel 1: mitigate the the money coming out of super for for advice for one or fees and so forth, and and I'll that that's what I'll try to look at the fees and so forth with\n\nChannel 0: Yeah.\n\nChannel 1: Hub twenty four. I do find Hub twenty four I I I do I don't know if it's as easy as the last superannuation company I was in to be able to to manage myself and just speak to the the provider. Find a little bit more clunky, I suppose. But\n\nChannel 0: Yeah.\n\nChannel 1: but I'll I'll I'll I'll I'll look at that down the track. But I'm definitely at this stage, I'm wanting to probably, like, call of Oakview Financial as as one. I've had a good think about that and and just doing the numbers for the even though it's great and I'd recommend it to others, I've certainly recommended it to my brother all the time. But I just\n\nChannel 0: Yep.\n\nChannel 1: for me at the moment, it's just not it it doesn't add up at all.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No. Understandable. I think it's one of the things I would probably point out is that when you think about the super fund, the super fund is just essentially the vehicle. It's just the holding where the money goes into What essentially gets you the returns and makes your portfolio work is the underlying investment. So whether your funds are in a super fund with, say, Netwealth, BT Panorama, AMP, my north, or hub twenty four, or an industry super fund, The super fund itself is just a vehicle.\n\nThink of it like the car. Your funds\n\nChannel 1: Yeah.\n\nChannel 0: are going into the car. You sit in the car, but it doesn't actually get you anywhere unless you have fuel in the vehicle. And the fuel is essentially the underlying investment. So all funds are gonna have different investment managers. We obviously have access to different options as well.\n\nIf you wanted to, I could also look at a cheaper product in Superfund for you. So you don't have to stay in Hub 24. If you're finding it's not really suited for you, we have access to other products out there. I do wanna kinda limit moving you between different funds because the more, essentially, the more times you sell down your investments and move your money around, your super fund, just like you, does a tax return every year, and it does have to account for income tax and capital gains and things like that. So selling down the investments to roll the funds to another fund does have a capital gains or a tax consequence on there for you\n\nChannel 1: On the\n\nChannel 0: or\n\nChannel 1: super\n\nChannel 0: for your\n\nChannel 1: or\n\nChannel 0: funds. Yeah.\n\nChannel 1: alright.\n\nChannel 0: Yeah.\n\nChannel 1: Alright.\n\nChannel 0: So when you\n\nChannel 1: Yeah.\n\nChannel 0: buy and sell investments, your super fund does also have tax consequences. So, like, for yourself, you know, how when you have income paid from your employer, they pay income tax or you pay income tax comes out of your income. The same thing sorta happens to when dividend payments are made or cash payments are made from investments to your cash account. Tax has to be accounted for at the end of the financial year, so your super fund does a tax return. When you are buying and selling investments, there is, you know, tax consequences, capital gains consequences for that.\n\nIt doesn't affect you as an individual, but it does come out of your super funds. So\n\nChannel 1: Right.\n\nChannel 0: buying and selling on a regular basis does cause that sort of a consequence.\n\nChannel 1: Right. What what was the consequence just to hold you up for the great information? Something\n\nChannel 0: Yeah.\n\nChannel 1: I hadn't even put forward\n\nChannel 0: Yeah.\n\nChannel 1: in. So but\n\nChannel 0: Yeah.\n\nChannel 1: just to get a real world example, what what what was the fees for last year's move from Netwealth into Hub twenty\n\nChannel 0: Can't\n\nChannel 1: four?\n\nChannel 0: can't remember exactly because that was all kinda dealt with in Netwealth, but I can tell you the tax liability on your super fund at the moment is showing me a negative of 522. So it is showing me that your super fund has more of a tax loss of $522 as opposed to a capital gain that they have to account for.\n\nChannel 1: Okay. Right. So last\n\nChannel 0: Yeah.\n\nChannel 1: year may have been either either a capital gains or a loss. Yeah.\n\nChannel 0: Yeah. I can't remember exactly. It's all kind of it was all sort of dealt within Netwealth when that all happened at the end of twenty twenty four.\n\nChannel 1: Yep.\n\nChannel 0: So I can't remember exactly what that was. But, yeah, essentially, that's what I have to that's the way that kind of works is that your super funds and all super funds have the same thing. They're all essentially is like a trust. It's it's a you know, think of it like another person that's holding the money. It still has to do other tax returns all the time.\n\nChannel 1: Okay.\n\nChannel 0: But I wanna\n\nChannel 1: Yep.\n\nChannel 0: make sure\n\nChannel 1: Yep.\n\nChannel 0: that you are getting value out of our services as well. And if you are not finding that there is any value to it, you don't see that the advice is providing value, then I completely understand that. I'm not gonna sorta hold you here. But I do wanna make sure I answer any questions that you have. And we also have, you know, Hub twenty four.\n\nWhat is the the main thing that you're finding difficult about Hub that you sort of did like about Netwealth? Is there anything specific that I can kind of take on board for you and maybe answer or help with? Or\n\nChannel 1: Yeah. Look, I think accessing a lot of I don't know. I guess just the optics of it. And then also\n\nChannel 0: yep.\n\nChannel 1: sometimes accessing the well, certainly the mobile app is terrible. Hub Netwealth, I could use a lot easier.\n\nChannel 0: Yeah.\n\nChannel 1: Even I found a problem gaining documents at times. It's just really clunky and so forth.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: Just just those things come to mind in hindsight off the top of my head.\n\nChannel 0: Yeah.\n\nChannel 1: But, look, I've been able to sort of get through it and and, you know, I I've gotta think, you know, now is it worthwhile changing something\n\nChannel 0: Yeah.\n\nChannel 1: for that\n\nChannel 0: Yeah.\n\nChannel 1: convenience, if you like, just just for and and and and then and risking the the loss or the tax implications\n\nChannel 0: Yeah.\n\nChannel 1: or, you know, the rollover sort of costs associated\n\nChannel 0: Yes.\n\nChannel 1: with that. I\n\nChannel 0: Yeah.\n\nChannel 1: guess with I mean, Oakview Financial, again, nothing wrong with the services,\n\nChannel 0: Yeah.\n\nChannel 1: but I\n\nChannel 0: Of\n\nChannel 1: know\n\nChannel 0: course.\n\nChannel 1: that my contributions have dropped a lot. You know, probably was a 100 over nearly a $100,000, you know, eighteen months ago within the last couple of years, and that's dropped to 50,000,\n\nChannel 0: Yeah.\n\nChannel 1: let's say. And I just think, well, you know, that $3,000, I think, a a a a Netwealth might charge something along that line per annum. My you know, that that that goes a long way when, you know, I've dropped my numbers and I've, you know, canceled other subscriptions and this and that really. So it's been one of those things that's on my to do list to look at, you know, what my payments\n\nChannel 0: Yeah.\n\nChannel 1: are with things.\n\nChannel 0: Yeah.\n\nChannel 1: So so it's again,\n\nChannel 0: Yeah.\n\nChannel 1: it's nothing. It just I I just don't think I've\n\nChannel 0: Just\n\nChannel 1: got\n\nChannel 0: a second.\n\nChannel 1: the you know, I don't have the excess amount to put in or to think about other investments that I could do with, like, and utilize Oakview with\n\nChannel 0: Yep.\n\nChannel 1: or tag. You don't have the investment properties now. So I just don't think that using Hub Oakview is is in my best interest in all honesty.\n\nChannel 0: Yep. No. That's okay. That's absolutely fine. I mean, with where with where our services are and with our ongoing service fee, at the moment, it is at 1.65% per annum.\n\nAnd as a percentage based fee, it does fluctuate with the market. So the idea of our fee is that it is linked to the the performance of your super. So if your super does see a downtime, like this year, we have seen those ups and downs. And it's not just your super. It's everyone's.\n\nAll industry funds as well have all kind of felt the effects of what's been going on globally and have had those downtime this\n\nChannel 1: Yeah.\n\nChannel 0: year\n\nChannel 1: Of\n\nChannel 0: as\n\nChannel 1: course.\n\nChannel 0: well.\n\nChannel 1: Yep.\n\nChannel 0: So it does mean that our our fee does take a bit of a dip there with it. All super funds are definitely gonna have, like, administration fees and investment management fees. Those will fluctuate depending on what investments you're in and what super fund you have. A\n\nChannel 1: Yeah.\n\nChannel 0: bitly hub 24 is sometimes can be a little bit higher than industry super funds, but it is also a retail platform. So you do sort of prefer to have adviser access to be able to sort of utilize this sort of a platform and be able to manage investments and things like that. But if you are finding that you are struggling in what reports on a regular basis, part of our service is that you do have me here to do those sorts of things for you. So if you do want, like, a report, if you if you want me to send you something sort of once every month or every two months, I'm absolutely happy to do that for you. You get that's all part of our services.\n\nIt's not just a call once every couple of months or once every year to review the investments. It's about making sure that I'm here for whatever you need. And you can call me or email me or let me know if you have any questions throughout the year. I'm here to sort of help you do that, give you advice as often as you needed as well and make sure because our advice is all part of the ongoing service fee. Any new advice we provide is fully complimentary as part of that.\n\nSo if you want me to help generate reports to save you, you know, having to deal with the app, I know not every it's not everyone's cup of tea, I can happily go in there every month or every couple of weeks and generate a report or give you a call and give you an update on what's happening. You just let me know what it is that you actually want me to do, and I'll I'll make sure I do that for you. Did you want me to start generating something for you regularly to sort of help you along?\n\nChannel 1: Well, I guess, firstly, I've still got at least three months of service because I paid twelve months in advance,\n\nChannel 0: Yeah.\n\nChannel 1: don't I? Is that\n\nChannel 0: No.\n\nChannel 1: right?\n\nChannel 0: You don't. No. You actually pay in arrears. So, essentially, with the ongoing service agreement, the amount comes out it's 1.65% per annum, but the amount does come out on a regular monthly basis. So it is the deducted each month.\n\nIf at any point you decide you don't wanna proceed with the services, you want us to turn our fees off, we can absolutely do that for you. We'll stop the services. If you decide you no longer want us to monitor your super, we can remove ourselves. Or if you just wanna open an industry super fund and roll things over, you can do that. You just choose the funds you want.\n\nYou open the super fund up and request the rollover via the portal, and the industry fund will roll everything over. And then we can provide you with the enduring rollover form so you can have that completed and sent to MLC. The biggest thing I would probably make note of is with your insurances, they are indexed and they do increase. So making sure you review review those insurances on a regular basis is important. One of the biggest things with your super and having insurances paid out of super is that they do increase in premium every year as it goes through renewal.\n\nSo those insurance will become very expensive and\n\nChannel 1: Oh,\n\nChannel 0: will\n\nChannel 1: that's\n\nChannel 0: have a\n\nChannel 1: true.\n\nChannel 0: greater\n\nChannel 1: Yeah.\n\nChannel 0: effect on your super as you get older. So you'll need to make sure you're able to review those, look at the cover you have, and look at, you know, reducing the cover or altering the cover as you need to, which is\n\nChannel 1: Yep.\n\nChannel 0: part of what we do. We look at the cover with you, look at how much you are paying, look at what you need, and try to, you know, review them with you on a regular basis so they're not costing you too much because they will get more expensive. I mean, having a look at the premium as of the last document here, you paid out of your super $4,903, so they are starting to get quite expensive. And we do obviously wanna make sure that you have the cover you want, but also making sure that your super isn't gonna be affected. You're not paying, you know, 10 or 20,000 out of out of your insurance premiums.\n\nAnd as you get closer to age 60, you know, years where you're 50 and onwards, those insurance premiums do become very expensive because the risk of you claiming increases, and it does tend to eat away your super a lot more as well. So just another thing I wanted to sort of make sure that I was opening up and giving you information on. Yeah.\n\nChannel 1: No. Good. Good. I'm glad we've opened that sort of yeah.\n\nChannel 0: Yeah.\n\nChannel 1: That window in the mind's eye for me. Yeah. It's\n\nChannel 0: Yeah.\n\nChannel 1: something that we did talk about last year. I think it\n\nChannel 0: Yeah.\n\nChannel 1: did maybe comparison with the insurances\n\nChannel 0: We did.\n\nChannel 1: and and it seems\n\nChannel 0: Yeah.\n\nChannel 1: more you know, risk adverse just to stay with MLC, I think.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That was because any any new with the pre assessment that you had, any new insurances we were able to obtain or any new insurances you're able to get anywhere Because of your history of mental health, they would have a mental health exclusion there.\n\nChannel 1: Right.\n\nChannel 0: And so you that was something that you didn't really want. Then your industry is pretty insane, and, you know, mental health is one of the biggest things. And because you have had, you know, your history of mental health and depression, anxiety, and things like that, essentially, moving forward the risk of you having to claim, especially on, say, TBD for mental health was higher. So our conversation was around that exclusion would exist on any new policy, whereas it doesn't exist on your current policy. So when we sort of talked about that, you made you made mention that you didn't wanna have a mental health exclusion.\n\nSo that's why we've\n\nChannel 1: That's\n\nChannel 0: retained\n\nChannel 1: right.\n\nChannel 0: MLP\n\nChannel 1: We did speak\n\nChannel 0: for the\n\nChannel 1: about\n\nChannel 0: time\n\nChannel 1: that.\n\nChannel 0: being. Yeah.\n\nChannel 1: I mean, if you've had a history, I mean, circumstantial, whether it's like twelve months, eighteen months, it's like giving up smoking or something, then you can then you,\n\nChannel 0: Yeah.\n\nChannel 1: you\n\nChannel 0: Review\n\nChannel 1: know,\n\nChannel 0: it?\n\nChannel 1: do another review it and have an undertake, and then those\n\nChannel 0: Yep.\n\nChannel 1: those alerts or what do they call it? Those those\n\nChannel 0: Exclusion?\n\nChannel 1: steep\n\nChannel 0: Yes.\n\nChannel 1: yeah. So would that be the case with mental health things too?\n\nChannel 0: Yeah. Absolutely. So, normally, with a mental health exclusion, they do have the exclusion as generally for about three to five years. So if you've gone three to five years from your last symptom or treatment and not had any further symptoms or treatments, then they're willing to review that for you. Reviewing that generally requires filling out a form.\n\nSometimes they may request medical reports from your doctors just to show you haven't had any prescriptions for medication or treatment for mental health. And those\n\nChannel 1: Yeah.\n\nChannel 0: exclusions can absolutely be lifted. It's just a matter of weighing out the exclusion time frame.\n\nChannel 1: Mhmm.\n\nChannel 0: One of the biggest reason why they have those is because after COVID, especially, mental health has been very, very big. And through COVID and beyond, mental health is one of the biggest things that insurance do that insurers have to pay claims on. So, essentially, it is something that they're obviously mindful of. And the biggest thing is, like, the same thing applies with, like, your car insurance. If you've got your car insurance and it doesn't cover storm damage, but the storm's coming in, we can't call the car insurance and have storm damage added to make sure our car is protected because the risk of them paying out is much higher due to the impending storm.\n\nSo the same thing sort of applies with the insurers there and and personal insurances. But, absolutely, it can be reviewed. It's not a problem, and we, you know, would wanna make sure we review that with you when and if it's possible to do so. Your insurance is your life insurance at the moment. Have you had a look at the level of cover you've got currently?\n\nChannel 1: I haven't looked at it in the last few weeks. I\n\nChannel 0: No?\n\nChannel 1: can't even remember the figures here.\n\nChannel 0: That's okay. I've got it all here for you. So your life cover at the moment, in the event of passing away, pays out a lump sum benefit of $520,007.74. And then if you did also pass away, your super benefit's also paid out. So you've got a bit over 180,000 in there at the moment as well.\n\nSo when I kind of put those together for you $1.80. Sorry. Wait. Wait. One second.\n\nI'm doing some quick math here. There we go. Together, your life insurance and your super benefit pays out a bit over 700,938. So it's not a bad life benefit together. The\n\nChannel 1: I\n\nChannel 0: main\n\nChannel 1: might be worth\n\nChannel 0: sort\n\nChannel 1: more\n\nChannel 0: of\n\nChannel 1: more dead than alive. Yeah.\n\nChannel 0: no. You are worth so much more alive to me. Please don't.\n\nChannel 1: No. I'm just joking. It's just yeah. It's probably the wrong person to say that. But\n\nChannel 0: No. You\n\nChannel 1: no.\n\nChannel 0: are definitely not.\n\nChannel 1: Interesting. Yeah.\n\nChannel 0: With\n\nChannel 1: Yeah.\n\nChannel 0: with your TPD benefit, that is one of the things when we did look at and provide the advice last time. Your TPD benefit there was kind of the lower benefit. You only have about a 195,000 of TPD. But,\n\nChannel 1: Yep.\n\nChannel 0: again, if you are unable to go back to work ever again and you are permanently incapacitated, we can also claim that against your life in against your sorry. Not your life in just against your super benefits. So you can also get your super paid out. So if I look at the one ninety\n\nChannel 1: If\n\nChannel 0: five\n\nChannel 1: you\n\nChannel 0: two 90\n\nChannel 1: sorry.\n\nChannel 0: one yeah.\n\nChannel 1: If you\n\nChannel 0: Absolutely.\n\nChannel 1: did claim on your if you just if you did claim on your TPD,\n\nChannel 0: Mhmm.\n\nChannel 1: just hypothetically, does\n\nChannel 0: Mhmm.\n\nChannel 1: then your life insurance within two years, that would change a lot, wouldn't it? Like, because you're already you're in a much more vulnerable state, so so would the life\n\nChannel 0: Not\n\nChannel 1: insurance\n\nChannel 0: no. Not\n\nChannel 1: no?\n\nChannel 0: necessarily. No. So life is life, essentially, when we do get clients with previous health exist health issues, life doesn't tend to put exclusions on there. You can't really exclude someone from dying from a certain aspect. So they do add loadings onto life cover for preexisting that might affect life or provide a\n\nChannel 1: When\n\nChannel 0: higher\n\nChannel 1: you did\n\nChannel 0: risk\n\nChannel 1: the\n\nChannel 0: to\n\nChannel 1: initial\n\nChannel 0: life.\n\nChannel 1: undertaking or something and\n\nChannel 0: Yeah. But that's only\n\nChannel 1: yeah.\n\nChannel 0: at the time of application. So with your two policies at the moment, so I'm just looking at the certificate currency here for you. So with your two policies, you've actually got I'm just double checking. They are linked. So your life is the main benefit, and your TPD is linked to the life.\n\nSo if in the event you would have a TPD claim and that $1.95 $2.09 1 was paid out, that amount is taken away from your life benefit. So it reduces your 520,000 by what you've received in TBD. However, we've also got a fourteen day life buyback option. So it means after the TBD claim, within fourteen days of you surviving out the illness, the insurer will reinstate the amount of TPD back to the life cover. So they reinstate your life cover back up to the pre disability amount.\n\nSo you can then claim on life again if you pass away at a later time. Does that make sense?\n\nChannel 1: So well, it doesn't make I mean, it's good to know I didn't know that, but\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: so that that's interesting. So you hypothetically claim TPD, and then within fourteen days, you need to then make sure that you rein\n\nChannel 0: Yeah. Well, you yeah. It's a little bit weird the way we the way that it is structured. And the way the reason why it would have been structured that way is because it's actually cheaper. So the other way to have it is you have life cover and TBD completely separate, and they're\n\nChannel 1: Yep.\n\nChannel 0: two separate policies. That way, they don't affect each other. But to hold them separately like that, it actually is more expensive because they are two separate policies. So\n\nChannel 1: Right.\n\nChannel 0: when\n\nChannel 1: So you\n\nChannel 0: we\n\nChannel 1: might\n\nChannel 0: provide\n\nChannel 1: not be\n\nChannel 0: advice\n\nChannel 1: able\n\nChannel 0: yeah. So when we provide advice, we link the TBD to the life cover. That way, you get a multi policy discount and actually makes the premiums a bit cheaper to begin with for you. And it does mean that the life cover is affected by the TBD benefit, but we always add the life buyback on there, and yours is attached. So it means that if you claim TBD, yes, your life cover is, you know, reduced by the 195,000 to start with.\n\nBut fourteen days after, you know, your TBD claims, as long as you've survived that and there's no you haven't passed away, that life cover is automatically reinstated back. Essentially, they'll just send you a letter and say, hey. By the way, you've reached your buyback period. Yeah. Happy.\n\nWe're gonna, you know, reinstate that life cover, and they'll put that $1.95 back into your life cover. So if you pass away, you can then claim that full 528 or your beneficiaries receive the full 520. So it's kind of linking\n\nChannel 1: Oh, I\n\nChannel 0: it\n\nChannel 1: see.\n\nChannel 0: so that\n\nChannel 1: I\n\nChannel 0: it\n\nChannel 1: see\n\nChannel 0: makes\n\nChannel 1: why\n\nChannel 0: the premiums\n\nChannel 1: it's like that\n\nChannel 0: cheaper.\n\nChannel 1: now. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: But still trying to make sure that you can claim on both those benefits in the event that something happens. Yeah.\n\nChannel 1: Right. So it's not like you're claiming TPD and then, you know, there's some other, you know, undertaking or something to get your life covered back up to\n\nChannel 0: Absolutely.\n\nChannel 1: the original\n\nChannel 0: No.\n\nChannel 1: amount that you had. It's\n\nChannel 0: No.\n\nChannel 1: just a yeah. Yeah.\n\nChannel 0: Yeah. Yeah. And\n\nChannel 1: Just to\n\nChannel 0: they\n\nChannel 1: check\n\nChannel 0: don't\n\nChannel 1: whether\n\nChannel 0: disadvantage\n\nChannel 1: it's\n\nChannel 0: yeah.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Just gonna meet that buyback that buyback time frame. That's all just gonna make sure that after the TPD event that you've survived a certain period. Normally, it's about twelve months, but yours is a fourteen day last buy buyback. So you've actually got a shorter buyback period, which is also why your premiums are a little bit higher. But\n\nChannel 1: Okay.\n\nChannel 0: the other thing I probably would wanna make mention is I'm not sure. I'm pretty sure we talked about this last time. But with PPD, if you claim total time of disability and you're under the age of 60, PPD, if you take it out of, like, out of the system, draw the money at, is actually taxed. And it's a really horrible thing, but, unfortunately,\n\nChannel 1: Oh, well.\n\nChannel 0: when you claim, yeah, when you claim TDD and you draw the money out of the super system, they actually do charge tax of up to 22%. There's a really funny big math equation that they do to kind of work at how much tax is payable on that. But, essentially, if you were to be on TBD or claiming TBD, if the benefit is payable out, I wanna do advice for you to sort of help you to be able to age your income if you need it, but they keep the money working as long as possible as well because that can help to reduce the amount of tax that you would have to pay. But a lot of people who do claim PBD do then take the benefit as a lump sum, take their super out as well, and draw everything down as a a one big lovely payout and then discover that they've lost, you know, a couple a couple of thousand dollars due to taxation, and it's not quite what they are insured for. And it can be a bit of a big shock.\n\nSo\n\nChannel 1: You're better\n\nChannel 0: there are\n\nChannel 1: off putting\n\nChannel 0: you know?\n\nChannel 1: that\n\nChannel 0: Yeah.\n\nChannel 1: lump sum amount straight into your super then rather than\n\nChannel 0: Yeah.\n\nChannel 1: and or trying to to minimize\n\nChannel 0: Yeah.\n\nChannel 1: the tax. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Or something\n\nChannel 0: Well, the\n\nChannel 1: like that.\n\nChannel 0: the way the claim actually works is because it's a super policy. In the event of a claim being successful, the funds are paid from the insurer to your super fund, and then you've gotta make that permanent incapacity to have it released out of the super system. And that's where that tax order comes into effect there.\n\nChannel 1: Oh, it's\n\nChannel 0: But\n\nChannel 1: at\n\nChannel 0: as\n\nChannel 1: Roxanne.\n\nChannel 0: I kinda mentioned yeah. Yeah. But that's what we do. That's what advisers do as part of our services. I mean, the biggest risk you have with having insurances is that you hold the you have the cover.\n\nYou pay the premiums, and you get to retirement, and we cancel them, and you never actually claim on them, but you pay all the premiums and you get nothing back out of that.\n\nChannel 1: Yes.\n\nChannel 0: But then the the other side of that is that and I'm sure you've seen with working in disability support, you know, something could happen. There's always that one or two or 5% in your life that something could happen, and having that payout could be the difference between being on Centrelink and total poverty or having a little bit of backup in the event of requiring a claim because, you know, everyone who kinda gets everyone who claims either life cover or TBD, the, you know, the benefit is they get that lump sum or they get that payment or they get access to that money. The downside is they've lost something to get that. If they're claiming life cover, it means that somebody passed away. They've lost a family member or someone important to them.\n\nAnd with TPED to claim on that, you know, you've become permanently incapacitated. You know, you're never able to go back to work again, and there's so many other things to consider in that time frame.\n\nChannel 1: Yes.\n\nChannel 0: So yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. There's\n\nChannel 1: And\n\nChannel 0: a lot\n\nChannel 1: so\n\nChannel 0: there.\n\nChannel 1: just a just a hypothetical, I remember you saying\n\nChannel 0: Absolutely.\n\nChannel 1: that with the fourteen day buyback with CPD and the life insurance, if that and you mentioned that some other insurances have, you know, a twelve month buyback or something, so you have\n\nChannel 0: Mhmm.\n\nChannel 1: to wait that twelve months before buyback\n\nChannel 0: Yep.\n\nChannel 1: of your full life insurance.\n\nChannel 0: That'd be your last\n\nChannel 1: But\n\nChannel 0: yeah.\n\nChannel 1: how much does that reduce in your premium fees, like those sorts of slight changes in time?\n\nChannel 0: Normally,\n\nChannel 1: Is that one\n\nChannel 0: that\n\nChannel 1: of the big\n\nChannel 0: kind\n\nChannel 1: fee?\n\nChannel 0: of\n\nChannel 1: Yeah.\n\nChannel 0: yeah. No. It's really not. It doesn't add a lot onto your premiums. I can't see exactly how much the difference is, but, normally, adding buyback onto your policy might cost about 20 or $30 per year,\n\nChannel 1: Okay.\n\nChannel 0: whereas having, you know, 14 buyback might be about 50 or $100 per year. So it's really honestly not that greater a difference, but the risk there is having the buyback like what you've got means that you only have to survive the impairment for 14. Whereas someone who's got, you know, cancer or had a heart attack has to survive twelve months before they can have that buyback. Whereas if something happened, if you had a heart attack or a stroke or something, you'd only have to survive fourteen days before that life benefit is reinstated, which means your family can, if anything, you know, happened, if you were to pass away after the event, your family could claim the life cover much sooner, and that buyback is added sooner. Whereas, let's say, you didn't have that fourteen day buyback and your family you know, you had a stroke or a heart attack or something, and within that twelve months, you passed away before you got to that buyback tick period, that that TPD benefit is not added back in, which reduces the amount of cover your family can claim when it comes to life benefits.\n\nSo it's more just about juggling the risk level. Do we pay a little bit more now to have more security and have a much greater benefit and knowing that my you know, I only have to survive fourteen days to be able to get my last buyback added, or do I take the risk knowing that in the event of something happening, I would have to survive twelve months prior to that life cover being brought\n\nChannel 1: Yeah.\n\nChannel 0: back\n\nChannel 1: So\n\nChannel 0: in?\n\nChannel 1: that's\n\nChannel 0: So\n\nChannel 1: $70\n\nChannel 0: it's\n\nChannel 1: a year or, you know, 700\n\nChannel 0: yeah.\n\nChannel 1: dollars a decade or something. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Interesting.\n\nChannel 0: It's\n\nChannel 1: It\n\nChannel 0: it's\n\nChannel 1: all adds up. Yeah.\n\nChannel 0: small small amount\n\nChannel 1: Wow.\n\nChannel 0: there to kinda give you a bit of a\n\nChannel 1: Or\n\nChannel 0: little\n\nChannel 1: yes.\n\nChannel 0: bit more\n\nChannel 1: Just\n\nChannel 0: peace of mind. Yeah.\n\nChannel 1: yeah. Just yeah. Interesting. I know I'm gonna\n\nChannel 0: Yeah.\n\nChannel 1: have to go though, but look\n\nChannel 0: That's okay.\n\nChannel 1: yeah. Look, I I guess going forward, I will, you know, I still what what I discussed, we'll probably look at doing, but I just I don't know. Maybe I'll I'll try to just have a look initially, you know, whether that hub 20 4 fee wise for for what I am. If I'm looking at saying if if I have the the template in my mind that I'm really knowing that I'm putting less into super now, so I'm trying to mitigate the not the risk involved in in the the cons you know, what the risk in the portfolio, but the other little hidden fees, I'm trying to mitigate all of those that are adding up and maybe,\n\nChannel 0: Yep.\n\nChannel 1: you know, somehow finding that equilibrium from what I'm not putting in as much as to what the fees are like, you know, as opposed to the retail fund, to the industry fund, or or to the financial advice and those other subtleties with the insurances and so forth that are a little bit more yeah. So if you're happy to have a look at some of those options, if you understand where I'm\n\nChannel 0: Yeah.\n\nChannel 1: coming from\n\nChannel 0: Of course.\n\nChannel 1: there.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely. More than happy to. We can do a bit of a catch up. Now I know your annual review is due in December. Did you wanna maybe bring that forward a little bit and do it a bit earlier so we can kind of reassess your goals, really have a chat about what you're after.\n\nI can answer any questions that you have. That way, you're not waiting till December. Did you wanna do it a bit earlier?\n\nChannel 1: Yeah. Okay. Yeah. Well, what is it?\n\nChannel 0: It's\n\nChannel 1: Yeah. Maybe in September.\n\nChannel 0: June. September? Yeah. Absolutely. I'll bring that forward to about September.\n\nIn the meantime, if you find you have additional questions, please let me know. I mean, the hub 24, when we moved you out of Netwealth and into Hub 24, it is definitely cheaper than Netwealth as a platform. And Hub 24 has, you know, more features than Netwealth. Like, it has aggregated trading, so it can save you money in the back end when they're buying and selling investments. They try to aggregate trading, which essentially means they pull your investment requests with other people, and they try to, you know, buy and sell in a more tax effective way in the back end for you.\n\nChannel 1: What\n\nChannel 0: The fees\n\nChannel 1: what do you\n\nChannel 0: are\n\nChannel 1: mean\n\nChannel 0: very\n\nChannel 1: in the\n\nChannel 0: much\n\nChannel 1: back end? I'll just like, in the back\n\nChannel 0: Yes.\n\nChannel 1: end of of of the\n\nChannel 0: Yes. The\n\nChannel 1: of\n\nChannel 0: platform.\n\nChannel 1: the the platform itself rather than the\n\nChannel 0: Yeah.\n\nChannel 1: back end of\n\nChannel 0: Yeah. So what happens when\n\nChannel 1: of when\n\nChannel 0: we,\n\nChannel 1: I'm 65 sort of thing.\n\nChannel 0: yeah, so what happens when we essentially look at yours when we buy and sell investments, so we tell them essentially what you're invested in and how much of your of how much of your money we want invested in all the different investment options. So every month, they look at how much cash is being deposited into the account, and they work out whether that cash is above their minimum cash holding. If there is too much cash in there, they buy that as investment. And in the back end, what happens is the team at Hub twenty four take our request, they submit that into the market, and they buy those investments for you. So what they do is they pull your money that they're buying into investments with other people, and they try to buy as many investments at the cheapest possible price.\n\nSo you get what you need to be invested in, but they try to save you money in the back end as well. It's called aggregated trading. It's aggregating your money with other people to try and get the best possible price for those investments that they're purchasing your funds into. Does that\n\nChannel 1: Yes.\n\nChannel 0: make sense?\n\nChannel 1: Yeah. It sounds\n\nChannel 0: Yes.\n\nChannel 1: like a Cintiq that's in Lotto or something, you know, or\n\nChannel 0: Yeah.\n\nChannel 1: something like\n\nChannel 0: Yeah.\n\nChannel 1: that. Yeah.\n\nChannel 0: Just trying to get you the best possible price instead of just, you know, trying\n\nChannel 1: I\n\nChannel 0: to get\n\nChannel 1: mean,\n\nChannel 0: in there\n\nChannel 1: good.\n\nChannel 0: and buy it, whatever the market is at the time. So there are definitely advantages to that, and I wanna make sure, obviously, you're getting the best of our services and having a look. I'd love to do some more advice for you. We could even look at a cheaper version of Hub twenty four. Hub twenty four does have you've got three different super fund types.\n\nThey have Choice, which is the one you were in, which gives access to, you know, 1,100 different investment options, but it's the more expensive version of their fund. You also\n\nChannel 1: Okay.\n\nChannel 0: have Discovery, and you also have core. Those other hub 24 products. And if we look to maybe move you into the cheaper products, you don't actually have to sell investments or move things around. We can, you know, change the change things in a more tax effective structured way for you. And it's without you having to roll money to a different fund as well.\n\nBut those other two Hub twenty four platforms are a lot cheaper. They do have less access to investments, so we would be maybe restructuring the portfolio as well. But if you're open to me looking and providing advice and doing that for you, I would love to do that research, have a look at the cost involved, have a look at, you know, what CGT consequences there might be for you, project that to your retirement, look at what you'll have coming in, and sort of make sure I can give you more value. I just one of the big things is I don't want you paying our fees if you're not getting value. And if you're not getting value, please come and tell me because it's really important.\n\nI wanna make sure I'm here to help you. And it's not just about getting to you to retirement. Financial advice is really important through retirement as well. So once you get to retirement, how much do you have? How does that support you?\n\nHow do we draw that money out? I do advise around that. I look at Centrelink for people as well and how I can get you Centrelink and shelter money and get the best out of your super as well as Centrelink. So it's about not just supporting you to retirement, but beyond that to make sure that your super lasts as long as possible as well. So\n\nChannel 1: Yeah.\n\nChannel 0: there's\n\nChannel 1: Well, that's\n\nChannel 0: lots of things\n\nChannel 1: sorry.\n\nChannel 0: that I\n\nChannel 1: Yeah.\n\nChannel 0: can do, but I don't obviously wanna force you into anything you're not comfortable with. But I just wanna make sure that we're having that honest open conversation. You're welcome to tell me, no. I don't want this. This is not for me anymore, and I will help you go to wherever you want.\n\nYou are by no means held here in any way, shape, or form. And if you decide, do you want me to turn the fees off, you just give me the direction, and I will abide by that. And I will say thank you, Jay, and I will wish you the best. And if you\n\nChannel 1: No.\n\nChannel 0: decide\n\nChannel 1: Of\n\nChannel 0: to\n\nChannel 1: course.\n\nChannel 0: come back, you absolutely can. I'm always here. So I just wanted to yeah. I'm glad we have this catch\n\nChannel 1: Yeah. Thanks. Thanks, Dana. Yeah. And just when you were saying that because\n\nChannel 0: up.\n\nChannel 1: I was in that more that that sort of portfolio within Hub twenty four, that allows\n\nChannel 0: Yep.\n\nChannel 1: you to be able to recommend different changes where you don't have that access if it's in the\n\nChannel 0: Yep.\n\nChannel 1: what\n\nChannel 0: Industry\n\nChannel 1: what what did\n\nChannel 0: funds.\n\nChannel 1: you put into the core no into the core\n\nChannel 0: Oh,\n\nChannel 1: investment.\n\nChannel 0: you do have access to those to other managed funds. So in the in the core or the discovery menus within hub twenty four, they have less investments to choose from, but we can still build portfolios within their the investments that they do have. So we absolutely can still alter and change investments and, you know, keep you within the high growth area and the portfolios. It just depends on what we have access to and how we build those portfolios. But, you know, if if these is a thing, I can absolutely look at cheaper products for you.\n\nStill look at building portfolios that works for you. We've also, sorry, just set up our own separately managed account, which is our own investment portfolio, which might even work for you as well. You have less visibility of investments, but we utilize our investment committee and BlackRock's investment committee and have a whole separate portfolio on a cheaper hub 24 platform. So that\n\nChannel 1: Oh,\n\nChannel 0: might\n\nChannel 1: wow.\n\nChannel 0: even\n\nChannel 1: Okay.\n\nChannel 0: work out, yeah, that might even work out for you as well to be able to, you know, utilize that and, you know, see how that works. Yeah.\n\nChannel 1: Okay. Yeah. Look. Yeah. Well, I think\n\nChannel 0: Yeah.\n\nChannel 1: you understand the paradigm that I'm coming from trying to save\n\nChannel 0: Yes.\n\nChannel 1: money\n\nChannel 0: Of\n\nChannel 1: within\n\nChannel 0: course.\n\nChannel 1: those super choices and and and\n\nChannel 0: Yeah.\n\nChannel 1: what I can control there at this stage and\n\nChannel 0: Yep.\n\nChannel 1: and less less about insurance, but that would be the next one down to, I I guess. And\n\nChannel 0: Yeah.\n\nChannel 1: then also that that financial advice whether well, not that whether it's worth it. It's just whether it's worth it for me with what I'm putting into it and the need for change.\n\nChannel 0: Absolutely.\n\nChannel 1: I mean, you know,\n\nChannel 0: Yeah.\n\nChannel 1: so\n\nChannel 0: Of course.\n\nChannel 1: I just wanna\n\nChannel 0: Absolutely.\n\nChannel 1: be mindful on how I say that. But\n\nChannel 0: Yeah.\n\nChannel 1: but\n\nChannel 0: No.\n\nChannel 1: alright.\n\nChannel 0: Be honest\n\nChannel 1: Thank\n\nChannel 0: with me,\n\nChannel 1: you.\n\nChannel 0: Jay. It's it I honestly do love the honesty, sir. Absolutely. Be honest with me. Say exactly how you feel.\n\nI'll never take offense or be worried. It's it's all about making sure we're doing the right thing by you and being being able to understand how you're feeling at the time and what you need is really important towards me making sure I'm working your best interest for you. So, yeah, there's\n\nChannel 1: Yeah.\n\nChannel 0: lots of\n\nChannel 1: Of course.\n\nChannel 0: things\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: appreciate\n\nChannel 0: we can do.\n\nChannel 1: that.\n\nChannel 0: I\n\nChannel 1: Yeah.\n\nChannel 0: will I'll get the team to give you a call in early September. We'll book in your annual review a bit earlier, and let's have a really good look at things before we get to the end of the ongoing service agreement and look at updating the advice Even if at that time I update the advice and show you what the recommendations are, you don't have to take it. You can go, thanks, Dana. I like it, but I'm just it's not not for me, and that's absolutely fine. There is no obligation for you to take advice after I've gone through that.\n\nYou're welcome to say, no. It's all good. Thank you for trying, but I'm good, and we will help you. Okay?\n\nChannel 1: Okay. Thank you, Dana.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay.\n\nChannel 1: We'll find out a time to catch up in September. Yes.\n\nChannel 0: Yep. I'll make sure that happens for you, Jay. No. Thank you so much. I know you have to go, but I really do appreciate it.\n\nYou have a lovely afternoon. If you need anything or have any other questions, let me know. If you're wanting to get a balance update or a report of some sort, you just let me know. I will organize it and have it sent to you. Okay?\n\nI'm here for that.\n\nChannel 1: Okay. Terrific. Thanks again.\n\nChannel 0: My pleasure. Enjoy your day, Jay. Have a good day.\n\nChannel 1: You too. Bye bye.\n\nChannel 0: Thanks. See you later.","paragraphs":[{"sentences":[{"text":"Hello, Dana.","start":2.1599998,"end":3.54,"sentiment":"neutral","sentiment_score":0.05964324623346329}],"sentiment":"neutral","sentiment_score":0.05964324623346329,"channel":1,"num_words":2,"start":2.1599998,"end":3.54},{"sentences":[{"text":"Hi, Jay.","start":4.08,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.13980912417173386},{"text":"It's Dana from Okeech.","start":4.7999997,"end":6.0,"sentiment":"neutral","sentiment_score":0.16054657474160194},{"text":"How are you?","start":6.0,"end":6.98,"sentiment":"neutral","sentiment_score":0.17398648460706076}],"sentiment":"neutral","sentiment_score":0.1604182223478953,"channel":0,"num_words":9,"start":4.08,"end":6.98},{"sentences":[{"text":"Good.","start":7.44,"end":7.8399997,"sentiment":"positive","sentiment_score":0.4301007390022278},{"text":"How are you?","start":7.8399997,"end":8.66,"sentiment":"neutral","sentiment_score":0.3020528058211009}],"sentiment":"positive","sentiment_score":0.3340647891163826,"channel":1,"num_words":4,"start":7.44,"end":8.66},{"sentences":[{"text":"I'm very well.","start":8.88,"end":9.84,"sentiment":"positive","sentiment_score":0.6288559039433798},{"text":"Thank you.","start":9.84,"end":10.32,"sentiment":"positive","sentiment_score":0.6871224343776703},{"text":"I had you booked in for a bit of a quick catch up this morning.","start":10.32,"end":13.059999,"sentiment":"neutral","sentiment_score":0.26894877552986146},{"text":"How's everything been going?","start":13.12,"end":14.74,"sentiment":"neutral","sentiment_score":0.15373852290213108}],"sentiment":"neutral","sentiment_score":0.3295832627142469,"channel":0,"num_words":24,"start":8.88,"end":14.74},{"sentences":[{"text":"Yeah.","start":15.465,"end":15.865,"sentiment":"neutral","sentiment_score":0.202086478471756},{"text":"Good.","start":15.865,"end":16.185,"sentiment":"positive","sentiment_score":0.4011882543563843},{"text":"Thanks.","start":16.185,"end":16.505001,"sentiment":"positive","sentiment_score":0.4335957467556},{"text":"Good.","start":16.505001,"end":16.985,"sentiment":"neutral","sentiment_score":0.3191061019897461},{"text":"Yeah.","start":16.985,"end":17.485,"sentiment":"neutral","sentiment_score":0.12128596007823944}],"sentiment":"neutral","sentiment_score":0.29545250833034514,"channel":1,"num_words":5,"start":15.465,"end":17.485},{"sentences":[{"text":"Yeah.","start":17.234999,"end":17.734999,"sentiment":"neutral","sentiment_score":0.03717193752527237}],"sentiment":"neutral","sentiment_score":0.03717193752527237,"channel":0,"num_words":1,"start":17.234999,"end":17.734999},{"sentences":[{"text":"I haven't been working as much, so I haven't been putting a lot into super at the moment.","start":18.585,"end":22.904999,"sentiment":"neutral","sentiment_score":-0.1064206740508477},{"text":"But","start":22.904999,"end":23.404999,"sentiment":"neutral","sentiment_score":-0.025537464767694473}],"sentiment":"neutral","sentiment_score":-0.10216366303594489,"channel":1,"num_words":19,"start":18.585,"end":23.404999},{"sentences":[{"text":"Yep.","start":23.715,"end":23.965,"sentiment":"neutral","sentiment_score":-0.004300336353480816},{"text":"Yeah.","start":23.965,"end":24.465,"sentiment":"neutral","sentiment_score":-0.010963969863951206}],"sentiment":"neutral","sentiment_score":-0.007632153108716011,"channel":0,"num_words":2,"start":23.715,"end":24.465},{"sentences":[{"text":"but, yeah, I guess we can talk about that soon.","start":24.425,"end":26.665,"sentiment":"neutral","sentiment_score":-0.012654041685163975},{"text":"But other than that, well, it's cold.","start":26.665,"end":28.525,"sentiment":"neutral","sentiment_score":-0.0833268091082573},{"text":"The cold's started to come in down here in Melbourne, but if you like the cold, it's worthwhile to come down.","start":29.22,"end":36.84,"sentiment":"neutral","sentiment_score":-0.08810128058706011}],"sentiment":"neutral","sentiment_score":-0.06736723612993956,"channel":1,"num_words":38,"start":24.425,"end":36.84},{"sentences":[{"text":"Yeah.","start":37.01,"end":37.51,"sentiment":"neutral","sentiment_score":-0.013644425198435783},{"text":"No.","start":37.65,"end":37.97,"sentiment":"neutral","sentiment_score":-0.049896810203790665},{"text":"No.","start":37.97,"end":38.21,"sentiment":"neutral","sentiment_score":-0.047370318323373795},{"text":"Look.","start":38.21,"end":38.61,"sentiment":"neutral","sentiment_score":-0.022815436124801636},{"text":"I'll I'll stay in my 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liking.","start":46.385002,"end":49.605,"sentiment":"neutral","sentiment_score":-0.049295082401770815},{"text":"So","start":49.665,"end":50.165,"sentiment":"neutral","sentiment_score":-0.012927483767271042}],"sentiment":"neutral","sentiment_score":-0.051553179933266205,"channel":0,"num_words":22,"start":44.465,"end":50.165},{"sentences":[{"text":"Really?","start":50.315,"end":50.635002,"sentiment":"neutral","sentiment_score":-0.010653475299477575},{"text":"You'd prefer it even warmer than that, you reckon?","start":50.635002,"end":52.895,"sentiment":"neutral","sentiment_score":-0.005045146474407779}],"sentiment":"neutral","sentiment_score":-0.005605979356914759,"channel":1,"num_words":10,"start":50.315,"end":52.895},{"sentences":[{"text":"yeah.","start":53.265,"end":53.765,"sentiment":"neutral","sentiment_score":-0.01628951169550419},{"text":"Yeah.","start":54.065002,"end":54.385002,"sentiment":"neutral","sentiment_score":-0.0154695650562644},{"text":"Definitely.","start":54.385002,"end":54.885002,"sentiment":"neutral","sentiment_score":-0.028889155015349388},{"text":"I'm not a cold person.","start":55.105,"end":56.51,"sentiment":"neutral","sentiment_score":-0.16968862116336822},{"text":"I don't really like the cold very much.","start":56.51,"end":58.35,"sentiment":"neutral","sentiment_score":-0.21396228857338428}],"sentiment":"neutral","sentiment_score":-0.1637993528856896,"channel":0,"num_words":16,"start":53.265,"end":58.35},{"sentences":[{"text":"It's not not a comfort area for me.","start":58.35,"end":60.51,"sentiment":"neutral","sentiment_score":-0.179439976811409},{"text":"My my husband's family are down south and sort of inland New South Wales, and that gets cold enough.","start":60.51,"end":66.35,"sentiment":"neutral","sentiment_score":-0.07029997106445462},{"text":"It gets down to the minus in winter.","start":66.35,"end":68.35,"sentiment":"neutral","sentiment_score":-0.06855884566903114},{"text":"So that's enough for me.","start":68.35,"end":69.81,"sentiment":"neutral","sentiment_score":-0.040019451081752776}],"sentiment":"neutral","sentiment_score":-0.08799468213692307,"channel":0,"num_words":40,"start":58.35,"end":69.81},{"sentences":[{"text":"Yes.","start":70.04,"end":70.439995,"sentiment":"neutral","sentiment_score":0.049617163836956024},{"text":"Fair enough.","start":70.439995,"end":71.0,"sentiment":"neutral","sentiment_score":0.06726285070180893},{"text":"Fair enough today.","start":71.0,"end":72.14,"sentiment":"neutral","sentiment_score":0.08352720240751903}],"sentiment":"neutral","sentiment_score":0.07245407874385516,"channel":1,"num_words":6,"start":70.04,"end":72.14},{"sentences":[{"text":"Yeah.","start":71.655,"end":72.155,"sentiment":"neutral","sentiment_score":0.03632034733891487},{"text":"No.","start":72.615,"end":72.854996,"sentiment":"neutral","sentiment_score":0.045693449676036835},{"text":"Absolutely.","start":72.854996,"end":73.354996,"sentiment":"neutral","sentiment_score":0.1319117695093155},{"text":"All good.","start":73.735,"end":73.975,"sentiment":"neutral","sentiment_score":0.20383354276418686},{"text":"Well, look, I just wanted to sort of touch base and do a bit of a quick catch up with you.","start":73.975,"end":77.095,"sentiment":"neutral","sentiment_score":0.17426349151702153}],"sentiment":"neutral","sentiment_score":0.16465869130423436,"channel":0,"num_words":26,"start":71.655,"end":77.095},{"sentences":[{"text":"I did promise we do catch ups, and I think now is a really good time to do a bit of a catch up with the ups and downs and and what we've sort of been feeling over the past few months there.","start":77.095,"end":85.65,"sentiment":"neutral","sentiment_score":0.12597920442389887},{"text":"Before I jump into the call completely, Jay, and go through your details, I do have to let you know we do record our calls for quality and training purposes.","start":85.89,"end":92.29,"sentiment":"neutral","sentiment_score":0.0897744320333004},{"text":"Are you happy for me to proceed with that?","start":92.29,"end":94.39,"sentiment":"neutral","sentiment_score":0.1412828059660064}],"sentiment":"neutral","sentiment_score":0.11441321957220392,"channel":0,"num_words":82,"start":77.095,"end":94.39},{"sentences":[{"text":"Yes.","start":95.0,"end":95.4,"sentiment":"neutral","sentiment_score":0.09284469485282898},{"text":"Yep.","start":95.4,"end":95.8,"sentiment":"neutral","sentiment_score":0.11671643704175948},{"text":"That's fine.","start":95.8,"end":96.54,"sentiment":"neutral","sentiment_score":0.22410085797309875}],"sentiment":"neutral","sentiment_score":0.1644407119601965,"channel":1,"num_words":4,"start":95.0,"end":96.54},{"sentences":[{"text":"Yep.","start":96.21,"end":96.69,"sentiment":"neutral","sentiment_score":0.2402463257312775},{"text":"Beautiful.","start":96.69,"end":97.17,"sentiment":"positive","sentiment_score":0.4538729190826416},{"text":"And just to do security there with you as well, just to confirm, your full name, your date of birth, and address I should have on file.","start":97.17,"end":103.185,"sentiment":"neutral","sentiment_score":0.17099915251687722}],"sentiment":"neutral","sentiment_score":0.18314125388860703,"channel":0,"num_words":29,"start":96.21,"end":103.185},{"sentences":[{"text":"Yeah.","start":106.005,"end":106.485,"sentiment":"neutral","sentiment_score":0.0189259871840477},{"text":"Jay Alcock or Alton Alcock, seventeenth of the second nineteen seventy five and","start":106.485,"end":112.725,"sentiment":"neutral","sentiment_score":0.015423074221381774}],"sentiment":"neutral","sentiment_score":0.015673282290143625,"channel":1,"num_words":14,"start":106.005,"end":112.725},{"sentences":[{"text":"Yep.","start":112.46,"end":112.96,"sentiment":"neutral","sentiment_score":0.012350371107459068}],"sentiment":"neutral","sentiment_score":0.012350371107459068,"channel":0,"num_words":1,"start":112.46,"end":112.96},{"sentences":[{"text":"8 18 Storey Street in North Woonsaggee.","start":112.725,"end":116.345,"sentiment":"neutral","sentiment_score":0.014942624074007784}],"sentiment":"neutral","sentiment_score":0.014942624074007784,"channel":1,"num_words":7,"start":112.725,"end":116.345},{"sentences":[{"text":"Beautiful.","start":117.259995,"end":117.759995,"sentiment":"positive","sentiment_score":0.6148027181625366},{"text":"Thank you so much for that.","start":117.899994,"end":119.34,"sentiment":"positive","sentiment_score":0.6905280550320944},{"text":"For a second there, I thought you'd forgotten.","start":119.34,"end":121.03999,"sentiment":"neutral","sentiment_score":0.028658406401518732}],"sentiment":"neutral","sentiment_score":0.3324825533044835,"channel":0,"num_words":15,"start":117.259995,"end":121.03999},{"sentences":[{"text":"Yeah.","start":121.77,"end":122.09,"sentiment":"neutral","sentiment_score":-0.014287996105849745},{"text":"Sorry.","start":122.09,"end":122.59,"sentiment":"neutral","sentiment_score":-0.05602122470736504},{"text":"I'm I'm not good at I was opening windows on the computer or laptop just trying to think, oh, jeez.","start":123.13,"end":128.57,"sentiment":"neutral","sentiment_score":-0.12824478149414062},{"text":"I needed to do that before I called, but all good.","start":128.57,"end":131.31,"sentiment":"neutral","sentiment_score":-0.07429290732199495}],"sentiment":"neutral","sentiment_score":-0.10461899488599914,"channel":1,"num_words":33,"start":121.77,"end":131.31},{"sentences":[{"text":"No.","start":131.275,"end":131.675,"sentiment":"neutral","sentiment_score":-0.06766700744628906},{"text":"That's okay.","start":131.675,"end":132.315,"sentiment":"neutral","sentiment_score":-0.0335647352039814},{"text":"So I don't have anything I need to send out or to show you today.","start":132.315,"end":135.675,"sentiment":"neutral","sentiment_score":-0.056701386471589406},{"text":"It's more just a bit of a quick catch up just to sort of see how things are going for you.","start":135.675,"end":138.99,"sentiment":"neutral","sentiment_score":0.020533012847105663},{"text":"I know you are due to have your annual review in a few months, and we'll go through and do a full proper review.","start":138.99,"end":144.13,"sentiment":"neutral","sentiment_score":0.03448516487454375}],"sentiment":"neutral","sentiment_score":0.004341586537304379,"channel":0,"num_words":63,"start":131.275,"end":144.13},{"sentences":[{"text":"But I know just sort of having a look at the markets, we have seen a lot of ups and downs there, and I won't show if you at your super very often, but we have this year been feeling a lot of that volatility with what's occurring between The US and Iran.","start":144.75,"end":157.095,"sentiment":"neutral","sentiment_score":-0.1132640042254385},{"text":"But also here in Australia, we are seeing high inflationary pressures as well, and high inflation takes a bit of a hit on defensive investments, so things like 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downtimes.","start":189.79,"end":202.37,"sentiment":"neutral","sentiment_score":-0.2014572252942757},{"text":"Okay?","start":202.99,"end":203.49,"sentiment":"neutral","sentiment_score":-0.04198042303323746}],"sentiment":"neutral","sentiment_score":-0.18874282800616363,"channel":0,"num_words":78,"start":181.775,"end":203.49},{"sentences":[{"text":"Okay.","start":204.01,"end":204.51,"sentiment":"neutral","sentiment_score":-0.02763674408197403},{"text":"Yep.","start":204.65,"end":204.97,"sentiment":"neutral","sentiment_score":0.0007780591840855777},{"text":"Yep.","start":204.97,"end":205.37,"sentiment":"neutral","sentiment_score":0.006678366102278233},{"text":"No.","start":205.37,"end":205.53,"sentiment":"neutral","sentiment_score":-0.07039754837751389},{"text":"It seems to be it seems to have grown a little bit since, you know, July, I think, or April last 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at that point where we were when you sort of look at where you were in October.","start":246.03001,"end":254.77,"sentiment":"neutral","sentiment_score":-0.2712195343092868},{"text":"So","start":254.91,"end":255.41,"sentiment":"neutral","sentiment_score":-0.009103059768676758}],"sentiment":"neutral","sentiment_score":-0.21210450808207193,"channel":0,"num_words":75,"start":232.375,"end":255.41},{"sentences":[{"text":"Yep.","start":255.87,"end":256.37,"sentiment":"neutral","sentiment_score":0.0438523106276989}],"sentiment":"neutral","sentiment_score":0.0438523106276989,"channel":1,"num_words":1,"start":255.87,"end":256.37},{"sentences":[{"text":"I just sort of wanna, for the moment, just sort of sit on things.","start":256.03,"end":259.41,"sentiment":"neutral","sentiment_score":-0.0004030777407544},{"text":"I'm not making any changes at the moment.","start":259.585,"end":261.66498,"sentiment":"neutral","sentiment_score":-0.2836273517459631},{"text":"I'd rather just sort of allow things to 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the the money coming out of super for for advice for one or fees and so forth, and and I'll that that's what I'll try to look at the fees and so forth with","start":554.005,"end":566.23,"sentiment":"neutral","sentiment_score":-0.006417648520852838}],"sentiment":"neutral","sentiment_score":-0.006417648520852838,"channel":1,"num_words":35,"start":554.005,"end":566.23},{"sentences":[{"text":"Yeah.","start":566.04,"end":566.54,"sentiment":"neutral","sentiment_score":0.026153545826673508}],"sentiment":"neutral","sentiment_score":0.026153545826673508,"channel":0,"num_words":1,"start":566.04,"end":566.54},{"sentences":[{"text":"Hub twenty four.","start":566.23,"end":566.94995,"sentiment":"neutral","sentiment_score":0.003550611436367035},{"text":"I do find Hub twenty four I I I do I don't know if it's as easy as the last superannuation company I was in to be able to to manage myself and just speak to the the 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your TPD benefit, that is one of the things when we did look at and provide the advice last time.","start":1486.8799,"end":1492.6951,"sentiment":"neutral","sentiment_score":-0.05304636930425962},{"text":"Your TPD benefit there was kind of the lower benefit.","start":1492.6951,"end":1497.175,"sentiment":"neutral","sentiment_score":-0.16302445083856582},{"text":"You only have about a 195,000 of 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can do.","start":2656.685,"end":2657.325,"sentiment":"positive","sentiment_score":0.5541669627030691}],"sentiment":"positive","sentiment_score":0.5541669627030691,"channel":0,"num_words":3,"start":2656.685,"end":2657.325},{"sentences":[{"text":"that.","start":2657.24,"end":2657.5598,"sentiment":"neutral","sentiment_score":0.2681518793106079}],"sentiment":"neutral","sentiment_score":0.2681518793106079,"channel":1,"num_words":1,"start":2657.24,"end":2657.5598},{"sentences":[{"text":"I","start":2657.325,"end":2657.565,"sentiment":"neutral","sentiment_score":0.1726093590259552}],"sentiment":"neutral","sentiment_score":0.1726093590259552,"channel":0,"num_words":1,"start":2657.325,"end":2657.565},{"sentences":[{"text":"Yeah.","start":2657.5598,"end":2658.0598,"sentiment":"neutral","sentiment_score":0.15253114700317383}],"sentiment":"neutral","sentiment_score":0.15253114700317383,"channel":1,"num_words":1,"start":2657.5598,"end":2658.0598},{"sentences":[{"text":"will I'll get the team to give you a call in early September.","start":2657.565,"end":2660.7651,"sentiment":"neutral","sentiment_score":0.1603029530781966},{"text":"We'll book in your annual review a bit earlier, and let's have a really good look at things before we get to the end of the ongoing service agreement and look at updating the advice Even if at that time I update the advice and show you what the recommendations are, you don't have to take it.","start":2660.7651,"end":2675.54,"sentiment":"neutral","sentiment_score":0.21914617115991158},{"text":"You can go, thanks, Dana.","start":2675.54,"end":2677.0,"sentiment":"positive","sentiment_score":0.5227250158786774},{"text":"I like it, but I'm just it's not not for me, and that's absolutely fine.","start":2677.38,"end":2681.06,"sentiment":"positive","sentiment_score":0.5823967774709066},{"text":"There is no obligation for you to take advice after I've gone through 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you.","start":2687.715,"end":2690.9949,"sentiment":"positive","sentiment_score":0.622834712266922},{"text":"Okay?","start":2690.9949,"end":2691.4949,"sentiment":"neutral","sentiment_score":0.2280774563550949}],"sentiment":"positive","sentiment_score":0.5090513676404953,"channel":0,"num_words":21,"start":2685.795,"end":2691.4949},{"sentences":[{"text":"Okay.","start":2692.005,"end":2692.4849,"sentiment":"neutral","sentiment_score":0.2785811126232147},{"text":"Thank you, Dana.","start":2692.4849,"end":2693.545,"sentiment":"positive","sentiment_score":0.572985827922821}],"sentiment":"positive","sentiment_score":0.49938464909791946,"channel":1,"num_words":4,"start":2692.005,"end":2693.545},{"sentences":[{"text":"Yeah.","start":2693.395,"end":2693.895,"sentiment":"neutral","sentiment_score":0.3180813789367676}],"sentiment":"neutral","sentiment_score":0.3180813789367676,"channel":0,"num_words":1,"start":2693.395,"end":2693.895},{"sentences":[{"text":"Yeah.","start":2693.845,"end":2694.345,"sentiment":"neutral","sentiment_score":0.24973338842391968}],"sentiment":"neutral","sentiment_score":0.24973338842391968,"channel":1,"num_words":1,"start":2693.845,"end":2694.345},{"sentences":[{"text":"That's okay.","start":2694.115,"end":2694.935,"sentiment":"neutral","sentiment_score":0.32534895837306976}],"sentiment":"neutral","sentiment_score":0.32534895837306976,"channel":0,"num_words":2,"start":2694.115,"end":2694.935},{"sentences":[{"text":"We'll find out a time to catch up in September.","start":2694.565,"end":2697.145,"sentiment":"neutral","sentiment_score":0.22436028718948364},{"text":"Yes.","start":2697.525,"end":2698.025,"sentiment":"neutral","sentiment_score":0.2139038443565369}],"sentiment":"neutral","sentiment_score":0.22340970147739758,"channel":1,"num_words":11,"start":2694.565,"end":2698.025},{"sentences":[{"text":"Yep.","start":2697.97,"end":2698.47,"sentiment":"neutral","sentiment_score":0.24489662051200867},{"text":"I'll make sure that happens for you, Jay.","start":2698.5298,"end":2700.3699,"sentiment":"positive","sentiment_score":0.3540494032204151},{"text":"No.","start":2700.3699,"end":2700.5298,"sentiment":"neutral","sentiment_score":0.10528075695037842},{"text":"Thank you so much.","start":2700.5298,"end":2701.13,"sentiment":"positive","sentiment_score":0.5958976298570633},{"text":"I know you have to go, but I really do appreciate it.","start":2701.13,"end":2703.75,"sentiment":"positive","sentiment_score":0.5239259128769239}],"sentiment":"positive","sentiment_score":0.4558951568145018,"channel":0,"num_words":26,"start":2697.97,"end":2703.75},{"sentences":[{"text":"You have a lovely afternoon.","start":2703.97,"end":2705.5898,"sentiment":"positive","sentiment_score":0.779064929485321},{"text":"If you need anything or have any other questions, let me know.","start":2705.73,"end":2708.71,"sentiment":"positive","sentiment_score":0.34764954696098965},{"text":"If you're wanting to get a balance update or a report of some sort, you just let me know.","start":2709.0652,"end":2713.465,"sentiment":"neutral","sentiment_score":0.21523479411476537},{"text":"I will organize it and have it sent to you.","start":2713.465,"end":2715.945,"sentiment":"positive","sentiment_score":0.3704495370388031},{"text":"Okay?","start":2715.945,"end":2716.3452,"sentiment":"neutral","sentiment_score":0.26160728931427}],"sentiment":"positive","sentiment_score":0.3430358076349218,"channel":0,"num_words":47,"start":2703.97,"end":2716.3452},{"sentences":[{"text":"I'm here for that.","start":2716.3452,"end":2717.385,"sentiment":"positive","sentiment_score":0.49788910895586014}],"sentiment":"positive","sentiment_score":0.49788910895586014,"channel":0,"num_words":4,"start":2716.3452,"end":2717.385},{"sentences":[{"text":"Okay.","start":2717.705,"end":2718.105,"sentiment":"positive","sentiment_score":0.4390221834182739},{"text":"Terrific.","start":2718.105,"end":2718.605,"sentiment":"positive","sentiment_score":0.8132925033569336},{"text":"Thanks again.","start":2718.905,"end":2719.725,"sentiment":"positive","sentiment_score":0.8275539875030518}],"sentiment":"positive","sentiment_score":0.7268556654453278,"channel":1,"num_words":4,"start":2717.705,"end":2719.725},{"sentences":[{"text":"My pleasure.","start":2720.425,"end":2721.065,"sentiment":"positive","sentiment_score":0.8510858118534088},{"text":"Enjoy your day, Jay.","start":2721.065,"end":2722.105,"sentiment":"positive","sentiment_score":0.8212449252605438},{"text":"Have a good day.","start":2722.105,"end":2723.085,"sentiment":"positive","sentiment_score":0.7065812349319458}],"sentiment":"positive","sentiment_score":0.7813476264476776,"channel":0,"num_words":10,"start":2720.425,"end":2723.085},{"sentences":[{"text":"You too.","start":2723.065,"end":2723.705,"sentiment":"positive","sentiment_score":0.4480199068784714},{"text":"Bye 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They emphasize the importance of managing their investments and reviewing their insurances regularly. The speaker also emphasizes the benefits of using a super fund and the importance of avoiding payroll deductions. They offer assistance with generating reports and advising on their investments, and suggest reviewing their insurances regularly to avoid unnecessary charges. The speaker emphasizes the importance of financial advice and being honest with their situation. They offer to help the customer schedule a review and update their recommendations."},"intents":{"segments":[{"text":"I had you booked in for a bit of a quick catch up this morning. How's everything been going?","start_word":20,"end_word":38,"intents":[{"intent":"Discuss catching up","confidence_score":0.0007503434}]},{"text":"Before I jump into the call completely, Jay, and go through your details, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yes. Yep.","start_word":290,"end_word":330,"intents":[{"intent":"Request call back","confidence_score":0.00021710111}]},{"text":"But I know just sort of having a look at the markets, we have seen a lot of ups and downs there, and I won't show if you at your super very often, but we have this year been feeling a lot of that volatility with what's occurring between The US and Iran.","start_word":495,"end_word":547,"intents":[{"intent":"Inform about market trends","confidence_score":0.0022605814}]},{"text":"The portfolios have sort of come back, and the market is recovering a little bit there, but we're not really back at that point where we were when you sort of look at where you were in October. So Yep.","start_word":827,"end_word":866,"intents":[{"intent":"Review portfolios and make changes","confidence_score":0.0021169183}]},{"text":"They do have these kinds of reactions, and I wanted to make sure that you didn't feel forgotten that, you know, we were here and that I was talking you through that, and I'll always stand for and for when a when a year isn't great.","start_word":1086,"end_word":1131,"intents":[{"intent":"Address market reactions and rescheduling","confidence_score":0.000085129126}]},{"text":"If you decide that you do wanna go back to an industry fund and look, we're never gonna hold you here. If it's not something you want, you don't see the value in it, that's absolutely fine. If you do go back to an industry super fund, you can actually have your insurances paid out of that fund. It just means Yep.","start_word":1564,"end_word":1625,"intents":[{"intent":"Evaluate super fund benefits","confidence_score":0.007501898}]},{"text":"If you wanted to, I could also look at a cheaper product in Superfund for you.","start_word":2160,"end_word":2175,"intents":[{"intent":"Review options for super fund management","confidence_score":5.133778e-7}]},{"text":"buy and sell investments, your super fund does also have tax consequences. So, like, for yourself, you know, how when you have income paid from your employer, they pay income tax or you pay income tax comes out of your income.","start_word":2298,"end_word":2338,"intents":[{"intent":"Inquire about tax consequences","confidence_score":0.0037093672}]},{"text":"My you know, that that that goes a long way when, you know, I've dropped my numbers and I've, you know, canceled other subscriptions and this and that really. So it's been one of those things that's on my to do list to look at, you know, what my payments Yeah. are with things.","start_word":2999,"end_word":3052,"intents":[{"intent":"Review payments","confidence_score":0.09023684}]},{"text":"the you know, I don't have the excess amount to put in or to think about other investments that I could do with, like, and utilize Oakview with Yep. or tag.","start_word":3072,"end_word":3102,"intents":[{"intent":"Explore investments","confidence_score":0.059994813}]},{"text":"So if your super does see a downtime, like this year, we have seen those ups and downs. And it's not just your super. It's everyone's. All industry funds as well have all kind of felt the effects of what's been going on globally and have had those downtime this Yeah.","start_word":3189,"end_word":3239,"intents":[{"intent":"Report downtime","confidence_score":0.00012288771}]},{"text":"So it does mean that our our fee does take a bit of a dip there with it. All super funds are definitely gonna have, like, administration fees and investment management fees. Those will fluctuate depending on what investments you're in and what super fund you have.","start_word":3246,"end_word":3292,"intents":[{"intent":"Discuss fees","confidence_score":0.112039335}]},{"text":"All super funds are definitely gonna have, like, administration fees and investment management fees. Those will fluctuate depending on what investments you're in and what super fund you have.","start_word":3264,"end_word":3292,"intents":[{"intent":"Discuss super fund performance","confidence_score":0.18450488},{"intent":"Discuss super fund utilization","confidence_score":0.0076260986},{"intent":"Describe super funds","confidence_score":0.007822372},{"intent":"Discuss super fund experience","confidence_score":0.0002772009}]},{"text":"All super funds are definitely gonna have, like, administration fees and investment management fees. Those will fluctuate depending on what investments you're in and what super fund you have. A Yeah.","start_word":3264,"end_word":3294,"intents":[{"intent":"Discuss super fund fees","confidence_score":0.108378515},{"intent":"Discuss super funds","confidence_score":0.11624352},{"intent":"Discuss super funds","confidence_score":0.16831905}]},{"text":"bitly hub 24 is sometimes can be a little bit higher than industry super funds, but it is also a retail platform. So you do sort of prefer to have adviser access to be able to sort of utilize this sort of a platform and be able to manage investments and things like that.","start_word":3295,"end_word":3348,"intents":[{"intent":"Commit adviser access","confidence_score":0.00007645381}]},{"text":"But if you are finding that you are struggling in what reports on a regular basis, part of our service is that you do have me here to do those sorts of things for you.","start_word":3349,"end_word":3383,"intents":[{"intent":"Provide service assistance","confidence_score":0.0009946045}]},{"text":"I'm here to sort of help you do that, give you advice as often as you needed as well and make sure because our advice is all part of the ongoing service fee.","start_word":3476,"end_word":3508,"intents":[{"intent":"Provide advice","confidence_score":0.33924472}]},{"text":"So if you want me to help generate reports to save you, you know, having to deal with the app, I know not every it's not everyone's cup of tea, I can happily go in there every month or every couple of weeks and generate a report or give you a call and give you an update on what's happening.","start_word":3521,"end_word":3580,"intents":[{"intent":"Generate reports","confidence_score":0.913707}]},{"text":"If at any point you decide you don't wanna proceed with the services, you want us to turn our fees off, we can absolutely do that for you.","start_word":3691,"end_word":3718,"intents":[{"intent":"Discuss fees","confidence_score":0.008215307}]},{"text":"Or if you just wanna open an industry super fund and roll things over, you can do that. You just choose the funds you want. You open the super fund up and request the rollover via the portal, and the industry fund will roll everything over.","start_word":3739,"end_word":3784,"intents":[{"intent":"Open industry super fund","confidence_score":0.024312852},{"intent":"Request rollover","confidence_score":0.7613614}]},{"text":"And then we can provide you with the enduring rollover form so you can have that completed and sent to MLC.","start_word":3786,"end_word":3806,"intents":[{"intent":"Provide rollover form","confidence_score":0.6620252}]},{"text":"The biggest thing I would probably make note of is with your insurances, they are indexed and they do increase. So making sure you review review those insurances on a regular basis is important.","start_word":3806,"end_word":3839,"intents":[{"intent":"Review insurance premiums","confidence_score":0.2796267},{"intent":"Review insurances","confidence_score":0.8970488}]},{"text":"We look at the cover with you, look at how much you are paying, look at what you need, and try to, you know, review them with you on a regular basis so they're not costing you too much because they will get more expensive.","start_word":3934,"end_word":3978,"intents":[{"intent":"Confirm cover","confidence_score":0.0003338007},{"intent":"Discuss cost savings","confidence_score":0.0028481625}]},{"text":"So just another thing I wanted to sort of make sure that I was opening up and giving you information on. Yeah.","start_word":4092,"end_word":4113,"intents":[{"intent":"Provide information on insurance coverage","confidence_score":0.0034317467}]},{"text":"did maybe comparison with the insurances We did.","start_word":4149,"end_word":4156,"intents":[{"intent":"Compare insurances","confidence_score":0.22395961}]},{"text":"So our conversation was around that exclusion would exist on any new policy, whereas it doesn't exist on your current policy.","start_word":4289,"end_word":4309,"intents":[{"intent":"Clarify policy requirements","confidence_score":0.019067775}]},{"text":"But, absolutely, it can be reviewed. It's not a problem, and we, you know, would wanna make sure we review that with you when and if it's possible to do so.","start_word":4659,"end_word":4689,"intents":[{"intent":"Review insurance coverage","confidence_score":0.22034742}]},{"text":"again, if you are unable to go back to work ever again and you are permanently incapacitated, we can also claim that against your life in against your sorry.","start_word":4928,"end_word":4956,"intents":[{"intent":"Claim health benefits","confidence_score":0.00023970597}]},{"text":"And it does mean that the life cover is affected by the TBD benefit, but we always add the life buyback on there, and yours is attached.","start_word":5456,"end_word":5482,"intents":[{"intent":"Clarify benefits","confidence_score":0.13390648}]},{"text":"So it's not like you're claiming TPD and then, you know, there's some other, you know, undertaking or something to get your life covered back up to Absolutely.","start_word":5640,"end_word":5667,"intents":[{"intent":"Verify insurance coverage","confidence_score":0.005275238}]},{"text":"In the event of a claim being successful, the funds are paid from the insurer to your super fund, and then you've gotta make that permanent incapacity to have it released out of the super system.","start_word":6063,"end_word":6098,"intents":[{"intent":"Refund claim","confidence_score":0.000018253915}]},{"text":"Do we pay a little bit more now to have more security and have a much greater benefit and knowing that my you know, I only have to survive fourteen days to be able to get my last buyback added, or do I take the risk knowing that in the event of something happening, I would have to survive twelve months prior to that life cover being brought Yeah.","start_word":6709,"end_word":6777,"intents":[{"intent":"Discuss savings","confidence_score":0.0004331276}]},{"text":"that's So $70 it's a year or, you know, 700 yeah. dollars a decade or something.","start_word":6780,"end_word":6795,"intents":[{"intent":"Assess costs","confidence_score":0.0061428733},{"intent":"Consider amortization","confidence_score":0.0031582825}]},{"text":"So if you're happy to have a look at some of those options, if you understand where I'm Yeah.","start_word":7023,"end_word":7041,"intents":[{"intent":"Discuss options","confidence_score":0.09065139},{"intent":"Discuss options","confidence_score":0.03393695}]},{"text":"Did you wanna maybe bring that forward a little bit and do it a bit earlier so we can kind of reassess your goals, really have a chat about what you're after.","start_word":7075,"end_word":7106,"intents":[{"intent":"Reassess goals","confidence_score":0.043053534}]},{"text":"I can answer any questions that you have.","start_word":7106,"end_word":7113,"intents":[{"intent":"Answer questions","confidence_score":0.87064624}]},{"text":"Well, what is it? It's Yeah. Maybe in September. June. September?","start_word":7132,"end_word":7142,"intents":[{"intent":"Update information","confidence_score":0.08439151}]},{"text":"What The fees what do you are mean very in the much back end?","start_word":7259,"end_word":7272,"intents":[{"intent":"Discuss fees and investments","confidence_score":0.0016724861}]},{"text":"So what happens when of when we, I'm 65 sort of thing. yeah, so what happens when we essentially look at yours when we buy and sell investments, so we tell them essentially what you're invested in and how much of your of how much of your money we want invested in all the different investment options.","start_word":7301,"end_word":7357,"intents":[{"intent":"Define investments","confidence_score":0.00004294015}]},{"text":"Just trying to get you the best possible price instead of just, you know, trying I to get mean, in there good. and buy it, whatever the market is at the time.","start_word":7536,"end_word":7567,"intents":[{"intent":"Get best price","confidence_score":0.035222456}]},{"text":"I'd love to do some more advice for you.","start_word":7592,"end_word":7600,"intents":[{"intent":"Obtain advice","confidence_score":0.0146522075}]},{"text":"We could even look at a cheaper version of Hub twenty four.","start_word":7601,"end_word":7612,"intents":[{"intent":"Explore cheaper platform options","confidence_score":0.00008251838}]},{"text":"But if you're open to me looking and providing advice and doing that for you, I would love to do that research, have a look at the cost involved, have a look at, you know, what CGT consequences there might be for you, project that to your retirement, look at what you'll have coming in, and sort of make sure I can give you more value.","start_word":7752,"end_word":7817,"intents":[{"intent":"Assess cost impact","confidence_score":0.001076506},{"intent":"Obtain more value","confidence_score":0.0026121011}]},{"text":"I wanna make sure I'm here to help you. And it's not just about getting to you to retirement. Financial advice is really important through retirement as well.","start_word":7854,"end_word":7881,"intents":[{"intent":"Assist with retirement planning","confidence_score":0.05481449}]},{"text":"I was in that more that that sort of portfolio within Hub twenty four, that allows Yep. you to be able to recommend different changes where you don't have that access if it's in the Yep.","start_word":8124,"end_word":8159,"intents":[{"intent":"Recommend portfolio changes","confidence_score":0.018716928}]},{"text":"It just depends on what we have access to and how we build those portfolios. But, you know, if if these is a thing, I can absolutely look at cheaper products for you. Still look at building portfolios that works for you.","start_word":8245,"end_word":8286,"intents":[{"intent":"Balance portfolio choices","confidence_score":0.000023015895}]}]},"sentiments":{"segments":[{"text":"Hello, Dana. Hi, Jay. It's Dana from Okeech. How are you?","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.1369873732328415},{"text":"Good.","start_word":11,"end_word":11,"sentiment":"positive","sentiment_score":0.4301007390022278},{"text":"How are you?","start_word":12,"end_word":14,"sentiment":"neutral","sentiment_score":0.31270915269851685},{"text":"I'm very well. Thank you.","start_word":15,"end_word":19,"sentiment":"positive","sentiment_score":0.6384097933769226},{"text":"I had you booked in for a bit of a quick catch up this morning. How's everything been going? Yeah.","start_word":20,"end_word":39,"sentiment":"neutral","sentiment_score":0.23203197121620175},{"text":"Good. Thanks.","start_word":40,"end_word":41,"sentiment":"positive","sentiment_score":0.4173920154571533},{"text":"Good. Yeah. Yeah. I haven't been working as much, so I haven't been putting a lot into super at the moment. But Yep. Yeah. but, yeah, I guess we can talk about that soon. But other than that, well, it's cold. The cold's started to come in down here in Melbourne, but if you like the cold, it's worthwhile to come down. Yeah. No. No. Look. I'll I'll stay in my week. We'll set the crane plan side of things, but thanks anyway. Fair enough. I I own the weak side of me. I like the warmth, and up here is cold enough for my liking. So Really? You'd prefer it even warmer than that, you reckon? yeah. Yeah. Definitely. I'm not a cold person. I don't really like the cold very much. It's not not a comfort area for me. My my husband's family are down south and sort of inland New South Wales, and that gets cold enough. It gets down to the minus in winter. So that's enough for me. Yes. Fair enough. Fair enough today. Yeah. No. Absolutely. All good. Well, look, I just wanted to sort of touch base and do a bit of a quick catch up with you. I did promise we do catch ups, and I think now is a really good time to do a bit of a catch up with the ups and downs and and what we've sort of been feeling over the past few months there. Before I jump into the call completely, Jay, and go through your details, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yes. Yep. That's fine. Yep.","start_word":42,"end_word":333,"sentiment":"neutral","sentiment_score":0.009966923855245112},{"text":"Beautiful.","start_word":334,"end_word":334,"sentiment":"positive","sentiment_score":0.4538729190826416},{"text":"And just to do security there with you as well, just to confirm, your full name, your date of birth, and address I should have on file. Yeah. Jay Alcock or Alton Alcock, seventeenth of the second nineteen seventy five and Yep. 8 18 Storey Street in North Woonsaggee.","start_word":335,"end_word":383,"sentiment":"neutral","sentiment_score":0.10103965923190115},{"text":"Beautiful. Thank you so much for that.","start_word":384,"end_word":390,"sentiment":"positive","sentiment_score":0.6589770913124084},{"text":"For a second there, I thought you'd forgotten. Yeah. Sorry. I'm I'm not good at I was opening windows on the computer or laptop just trying to think, oh, jeez. I needed to do that before I called, but all good. No. That's okay. So I don't have anything I need to send out or to show you today. It's more just a bit of a quick catch up just to sort of see how things are going for you. I know you are due to have your annual review in a few months, and we'll go through and do a full proper review. But I know just sort of having a look at the markets, we have seen a lot of ups and downs there, and I won't show if you at your super very often, but we have this year been feeling a lot of that volatility with what's occurring between The US and Iran. But also here in Australia, we are seeing high inflationary pressures as well, and high inflation takes a bit of a hit on defensive investments, so things like bonds. Whereas, obviously, the the war in Iran has affected equity markets a little bit. And because you're in a high growth portfolio, you are seeing you are taking a bit more risk in the market to obtain greater levels of return. But it also Yes. means that in these sorts of times, you are gonna see those downs a little bit where your portfolio sees a bit of a a pullback or a bit of a negative return. And it's about just sort of waiting through those and making sure that we can, you know, hopefully, not cement too much in the way of losses and just allowing your portfolio to come back and sort of recover out of that those downtimes. Okay? Okay. Yep. Yep. No. It seems to be it seems to have grown a little bit since, you know, July, I think, or April last year. It had gone down a bit. So Yeah. yep. Yeah. Yeah. So when I sort of look at the way things have been going, obviously, December, your balance is a bit over a $180,008.73. Your balance is still at that sort of $180,000 mark. You are down a little bit on the balance in December there, Not essentially, from October. from Yeah. the early Yep. this year from sort of October where we saw really good positive returns December again.","start_word":391,"end_word":805,"sentiment":"neutral","sentiment_score":-0.08847254514694214},{"text":"But then sort of from there this year, around about March was probably our biggest downturn with what was occurring globally.","start_word":806,"end_word":826,"sentiment":"negative","sentiment_score":-0.44730812311172485},{"text":"The portfolios have sort of come back, and the market is recovering a little bit there, but we're not really back at that point where we were when you sort of look at where you were in October. So Yep. I just sort of wanna, for the moment, just sort of sit on things. I'm not making any changes at the moment. I'd rather just sort of allow things to recover, give you the full year from your review, and we come back at review time and just review the portfolio as a whole, look at your goals, and sort of see if we make any changes at that point. There are some changes I think we might need to make to the portfolio.","start_word":827,"end_word":950,"sentiment":"neutral","sentiment_score":-0.07933803647756577},{"text":"But right now, I feel like I don't wanna cement too much in the way of losses.","start_word":951,"end_word":967,"sentiment":"negative","sentiment_score":-0.4633053541183472},{"text":"So I'd rather just sort of see if we can come out of this time, the volatility between what's happening in overseas as well as, obviously, end of financial year.","start_word":968,"end_word":997,"sentiment":"neutral","sentiment_score":-0.3082515001296997},{"text":"There is those ups and downs this time of year as well because people are taking profits. They are selling off and altering portfolios to kind of, you know, cement loss to tax time and cement gains and full income and things like that.","start_word":998,"end_word":1041,"sentiment":"negative","sentiment_score":-0.36221200227737427},{"text":"So it is a bit of a volatile time out there, but I just wanted to make sure that I was touching base with you and talking you through that and giving you an update. And I will be honest, Markets do go down. They do have these kinds of reactions, and I wanted to make sure that you didn't feel forgotten that, you know, we were here and that I was talking you through that, and I'll always stand for and for when a when a year isn't great.","start_word":1042,"end_word":1131,"sentiment":"neutral","sentiment_score":-0.0380396768450737},{"text":"I'll let you know and be honest with you and let you know why it's not great and that you're still young enough.","start_word":1132,"end_word":1154,"sentiment":"negative","sentiment_score":-0.47650283575057983},{"text":"You're not retiring just yet, so let's sort of push through and keep reviewing it moving forward. Okay? Okay. Just out of curiosity too, I Yeah. was is do I still have a small amount in another super to cover the MLC insurance? I So I your don't, MLC do I? in no. Your MLC insurance is being paid out of your hub 24. So we changed where that was being paid from. It's We being did, paid didn't out of we? your Yeah. hub twenty four. Yep. Yeah. Yes. So those premiums come out of hub twenty four, and I can tell you when they come out of there as well just to make sure. So let's have a look. That's Sorry. Won't be that's a okay. second. That's It'll probably alright. I yeah. I think it's later in the year, November or something, probably It is. not long after I I have the the payment, the payout to Oakview Financial to the financial services. I just know so it's Yeah. something I wanna plan even if it's in the next in the next October sort of consultation. Yeah. I'm not sure about using Oakville's financial going forward just because my Okay. super circumstances have changed so much. I don't Okay. have that regular fortnightly income where I'm putting that much into super. And when I look at it, you know, as much as Hub twenty four and and I feel you've been great, just for me to learn and sort of hear someone talk about the, you know, that financial world and superannuation.","start_word":1155,"end_word":1419,"sentiment":"neutral","sentiment_score":-0.05481390655040741},{"text":"I just don't know whether I can afford to keep paying that tax to get that compounding effect.","start_word":1420,"end_word":1437,"sentiment":"negative","sentiment_score":-0.3689684867858886},{"text":"And so I've been looking Yeah. at that, yeah, just with my wage change for this last year. So that that will be one thing that I wanna look at going forward, whether I Mhmm. can continue Yeah. to use our view. And Yeah. and look, I I think Hub 24 at this stage, it's hard to understand Superb. Although I have sort of done a little bit of research just online and had some other ideas if I can work out the right questions to ask, of course. But I I think Hub twenty four seems sufficient at the moment, and I'd I'd have to keep some in there if I'm gonna keep my life insurance policies. Is that you know? Well, Yeah. not necessarily. If you decide that you do wanna go back to an industry fund and look, we're never gonna hold you here. If it's not something you want, you don't see the value in it, that's absolutely fine.","start_word":1438,"end_word":1600,"sentiment":"neutral","sentiment_score":0.016211598791593423},{"text":"If you do go back to an industry super fund, you can actually have your insurances paid out of that fund.","start_word":1601,"end_word":1621,"sentiment":"positive","sentiment_score":0.34266647696495056},{"text":"It just means Yep. that you need to have a change of essentially, it's an enduring rollover form, but you can have those paid out of an industry fund.","start_word":1622,"end_word":1650,"sentiment":"neutral","sentiment_score":0.23661737143993375},{"text":"It's not a problem at all.","start_word":1651,"end_word":1656,"sentiment":"positive","sentiment_score":0.4689678847789765},{"text":"You don't have to retain hub 24. Yes. But if you sort of the other thing I kinda wanna look at is because your income is there, to be able to grow your super and really affect the compounding, we do need to make sure contributions are going in, but also review the portfolio on a regular basis. So do you find you have any extra money? Are you wanting to maybe look at salary sacrificing to help provide that boost to your super, or do you have any kind of excess cash you can be putting in even sort of 20 or $40 in a fortnightly or monthly basis? Are you I'd sort like of open to, to but doing I anything just don't like feel that? yeah. I'm I'm not at the moment. And I am Yeah. getting a little bit through through work, but it's not it's not to the point of being able to put in extra.","start_word":1657,"end_word":1817,"sentiment":"neutral","sentiment_score":0.014618410728871822},{"text":"I'm just not in that position at the moment.","start_word":1818,"end_word":1826,"sentiment":"negative","sentiment_score":-0.3871519267559051},{"text":"So I Yeah. think, well, I've No. gotta That's minimize okay. mitigate the the money coming out of super for for advice for one or fees and so forth, and and I'll that that's what I'll try to look at the fees and so forth with Yeah. Hub twenty four. I do find Hub twenty four I I I do I don't know if it's as easy as the last superannuation company I was in to be able to to manage myself and just speak to the the provider.","start_word":1827,"end_word":1915,"sentiment":"neutral","sentiment_score":0.002522249486339226},{"text":"Find a little bit more clunky, I suppose.","start_word":1916,"end_word":1923,"sentiment":"negative","sentiment_score":-0.5184861421585083},{"text":"But Yeah. but I'll I'll I'll I'll I'll look at that down the track. But I'm definitely at this stage, I'm wanting to probably, like, call of Oakview Financial as as one.","start_word":1924,"end_word":1955,"sentiment":"neutral","sentiment_score":0.10703977942466736},{"text":"I've had a good think about that and and just doing the numbers for the even though it's great and I'd recommend it to others, I've certainly recommended it to my brother all the time.","start_word":1956,"end_word":1990,"sentiment":"positive","sentiment_score":0.5778706073760986},{"text":"But I just Yep.","start_word":1991,"end_word":1994,"sentiment":"neutral","sentiment_score":-0.0763312578201294},{"text":"for me at the moment, it's just not it it doesn't add up at all.","start_word":1995,"end_word":2009,"sentiment":"negative","sentiment_score":-0.4012429118156433},{"text":"Yeah. Yeah. No. Understandable. I think it's one of the things I would probably point out is that when you think about the super fund, the super fund is just essentially the vehicle. It's just the holding where the money goes into What essentially gets you the returns and makes your portfolio work is the underlying investment. So whether your funds are in a super fund with, say, Netwealth, BT Panorama, AMP, my north, or hub twenty four, or an industry super fund, The super fund itself is just a vehicle. Think of it like the car. Your funds Yeah. are going into the car. You sit in the car, but it doesn't actually get you anywhere unless you have fuel in the vehicle. And the fuel is essentially the underlying investment. So all funds are gonna have different investment managers. We obviously have access to different options as well. If you wanted to, I could also look at a cheaper product in Superfund for you. So you don't have to stay in Hub 24. If you're finding it's not really suited for you, we have access to other products out there. I do wanna kinda limit moving you between different funds because the more, essentially, the more times you sell down your investments and move your money around, your super fund, just like you, does a tax return every year, and it does have to account for income tax and capital gains and things like that. So selling down the investments to roll the funds to another fund does have a capital gains or a tax consequence on there for you On the or super for your or funds. Yeah. alright. Yeah. Alright. So when you Yeah. buy and sell investments, your super fund does also have tax consequences. So, like, for yourself, you know, how when you have income paid from your employer, they pay income tax or you pay income tax comes out of your income. The same thing sorta happens to when dividend payments are made or cash payments are made from investments to your cash account. Tax has to be accounted for at the end of the financial year, so your super fund does a tax return. When you are buying and selling investments, there is, you know, tax consequences, capital gains consequences for that. It doesn't affect you as an individual, but it does come out of your super funds. So Right. buying and selling on a regular basis does cause that sort of a consequence. Right. What what was the consequence just to hold you up for the great information? Something Yeah. I hadn't even put forward Yeah. in. So but Yeah. just to get a real world example, what what what was the fees for last year's move from Netwealth into Hub twenty Can't four? can't remember exactly because that was all kinda dealt with in Netwealth, but I can tell you the tax liability on your super fund at the moment is showing me a negative of 522.","start_word":2010,"end_word":2516,"sentiment":"neutral","sentiment_score":-0.044934590466511555},{"text":"So it is showing me that your super fund has more of a tax loss of $522 as opposed to a capital gain that they have to account for.","start_word":2517,"end_word":2545,"sentiment":"negative","sentiment_score":-0.33516794443130493},{"text":"Okay. Right. So last Yeah. year may have been either either a capital gains or a loss. Yeah. Yeah. I can't remember exactly. It's all kind of it was all sort of dealt within Netwealth when that all happened at the end of twenty twenty four. Yep. So I can't remember exactly what that was. But, yeah, essentially, that's what I have to that's the way that kind of works is that your super funds and all super funds have the same thing. They're all essentially is like a trust. It's it's a you know, think of it like another person that's holding the money. It still has to do other tax returns all the time. Okay. But I wanna Yep.","start_word":2546,"end_word":2666,"sentiment":"neutral","sentiment_score":-0.01632765258762462},{"text":"make sure Yep. that you are getting value out of our services as well.","start_word":2667,"end_word":2680,"sentiment":"positive","sentiment_score":0.542190432548523},{"text":"And if you are not finding that there is any value to it, you don't see that the advice is providing value, then I completely understand that. I'm not gonna sorta hold you here. But I do wanna make sure I answer any questions that you have. And we also have, you know, Hub twenty four. What is the the main thing that you're finding difficult about Hub that you sort of did like about Netwealth? Is there anything specific that I can kind of take on board for you and maybe answer or help with? Or Yeah. Look, I think accessing a lot of I don't know. I guess just the optics of it. And then also yep.","start_word":2681,"end_word":2799,"sentiment":"neutral","sentiment_score":-0.023577097803354263},{"text":"sometimes accessing the well, certainly the mobile app is terrible.","start_word":2800,"end_word":2809,"sentiment":"negative","sentiment_score":-0.4483813941478729},{"text":"Hub Netwealth, I could use a lot easier. Yeah.","start_word":2810,"end_word":2818,"sentiment":"neutral","sentiment_score":-0.08918661624193192},{"text":"Even I found a problem gaining documents at times. It's just really clunky and so forth.","start_word":2819,"end_word":2834,"sentiment":"negative","sentiment_score":-0.5087570548057556},{"text":"Yeah. Okay. Just just those things come to mind in hindsight off the top of my head. Yeah. But, look, I've been able to sort of get through it and and, you know, I I've gotta think, you know, now is it worthwhile changing something Yeah. for that Yeah. convenience, if you like, just just for and and and and then and risking the the loss or the tax implications Yeah. or, you know, the rollover sort of costs associated Yes. with that. I Yeah. guess with I mean, Oakview Financial, again, nothing wrong with the services, Yeah. but I Of know course. that my contributions have dropped a lot. You know, probably was a 100 over nearly a $100,000, you know, eighteen months ago within the last couple of years, and that's dropped to 50,000, Yeah. let's say. And I just think, well, you know, that $3,000, I think, a a a a Netwealth might charge something along that line per annum. My you know, that that that goes a long way when, you know, I've dropped my numbers and I've, you know, canceled other subscriptions and this and that really. So it's been one of those things that's on my to do list to look at, you know, what my payments Yeah. are with things. Yeah. So so it's again, Yeah. it's nothing. It just I I just don't think I've Just got a second. the you know, I don't have the excess amount to put in or to think about other investments that I could do with, like, and utilize Oakview with Yep. or tag. You don't have the investment properties now. So I just don't think that using Hub Oakview is is in my best interest in all honesty. Yep. No. That's okay.","start_word":2835,"end_word":3131,"sentiment":"neutral","sentiment_score":-0.09509469270204454},{"text":"That's absolutely fine.","start_word":3132,"end_word":3134,"sentiment":"positive","sentiment_score":0.3743288516998291},{"text":"I mean, with where with where our services are and with our ongoing service fee, at the moment, it is at 1.65% per annum. And as a percentage based fee, it does fluctuate with the market. So the idea of our fee is that it is linked to the the performance of your super. So if your super does see a downtime, like this year, we have seen those ups and downs. And it's not just your super. It's everyone's. All industry funds as well have all kind of felt the effects of what's been going on globally and have had those downtime this Yeah. year Of as course. well. Yep. So it does mean that our our fee does take a bit of a dip there with it. All super funds are definitely gonna have, like, administration fees and investment management fees. Those will fluctuate depending on what investments you're in and what super fund you have. A Yeah. bitly hub 24 is sometimes can be a little bit higher than industry super funds, but it is also a retail platform. So you do sort of prefer to have adviser access to be able to sort of utilize this sort of a platform and be able to manage investments and things like that. But if you are finding that you are struggling in what reports on a regular basis, part of our service is that you do have me here to do those sorts of things for you.","start_word":3135,"end_word":3383,"sentiment":"neutral","sentiment_score":-0.01223134621977806},{"text":"So if you do want, like, a report, if you if you want me to send you something sort of once every month or every two months, I'm absolutely happy to do that for you. You get that's all part of our services. It's not just a call once every couple of months or once every year to review the investments. It's about making sure that I'm here for whatever you need. And you can call me or email me or let me know if you have any questions throughout the year. I'm here to sort of help you do that, give you advice as often as you needed as well and make sure because our advice is all part of the ongoing service fee. Any new advice we provide is fully complimentary as part of that. So if you want me to help generate reports to save you, you know, having to deal with the app, I know not every it's not everyone's cup of tea, I can happily go in there every month or every couple of weeks and generate a report or give you a call and give you an update on what's happening. You just let me know what it is that you actually want me to do, and I'll I'll make sure I do that for you.","start_word":3384,"end_word":3605,"sentiment":"positive","sentiment_score":0.5395504236221313},{"text":"Did you want me to start generating something for you regularly to sort of help you along? Well, I guess, firstly, I've still got at least three months of service because I paid twelve months in advance, Yeah. don't I? Is that No. right? You don't. No. You actually pay in arrears. So, essentially, with the ongoing service agreement, the amount comes out it's 1.65% per annum, but the amount does come out on a regular monthly basis. So it is the deducted each month. If at any point you decide you don't wanna proceed with the services, you want us to turn our fees off, we can absolutely do that for you. We'll stop the services. If you decide you no longer want us to monitor your super, we can remove ourselves. Or if you just wanna open an industry super fund and roll things over, you can do that. You just choose the funds you want. You open the super fund up and request the rollover via the portal, and the industry fund will roll everything over. And then we can provide you with the enduring rollover form so you can have that completed and sent to MLC. The biggest thing I would probably make note of is with your insurances, they are indexed and they do increase. So making sure you review review those insurances on a regular basis is important. One of the biggest things with your super and having insurances paid out of super is that they do increase in premium every year as it goes through renewal. So those insurance will become very expensive and Oh, will that's have a true. greater Yeah. effect on your super as you get older. So you'll need to make sure you're able to review those, look at the cover you have, and look at, you know, reducing the cover or altering the cover as you need to, which is Yep. part of what we do. We look at the cover with you, look at how much you are paying, look at what you need, and try to, you know, review them with you on a regular basis so they're not costing you too much because they will get more expensive. I mean, having a look at the premium as of the last document here, you paid out of your super $4,903, so they are starting to get quite expensive. And we do obviously wanna make sure that you have the cover you want, but also making sure that your super isn't gonna be affected. You're not paying, you know, 10 or 20,000 out of out of your insurance premiums. And as you get closer to age 60, you know, years where you're 50 and onwards, those insurance premiums do become very expensive because the risk of you claiming increases, and it does tend to eat away your super a lot more as well. So just another thing I wanted to sort of make sure that I was opening up and giving you information on. Yeah. No. Good. Good.","start_word":3606,"end_word":4116,"sentiment":"neutral","sentiment_score":-0.024799149727663884},{"text":"I'm glad we've opened that sort of yeah.","start_word":4117,"end_word":4124,"sentiment":"positive","sentiment_score":0.4005551040172577},{"text":"Yeah. That window in the mind's eye for me. Yeah. It's Yeah. something that we did talk about last year. I think it Yeah. did maybe comparison with the insurances We did. and and it seems Yeah. more you know, risk adverse just to stay with MLC, I think. Yeah. Yeah. Yeah. That was because any any new with the pre assessment that you had, any new insurances we were able to obtain or any new insurances you're able to get anywhere Because of your history of mental health, they would have a mental health exclusion there.","start_word":4125,"end_word":4221,"sentiment":"neutral","sentiment_score":-0.12776840178622412},{"text":"Right. And so you that was something that you didn't really want. Then your industry is pretty insane, and, you know, mental health is one of the biggest things. And because you have had, you know, your history of mental health and depression, anxiety, and things like that, essentially, moving forward the risk of you having to claim, especially on, say, TBD for mental health was higher. So our conversation was around that exclusion would exist on any new policy, whereas it doesn't exist on your current policy.","start_word":4222,"end_word":4309,"sentiment":"negative","sentiment_score":-0.4893423020839691},{"text":"So when we sort of talked about that, you made you made mention that you didn't wanna have a mental health exclusion. So that's why we've That's retained right. MLP We did speak for the about time that. being. Yeah. I mean, if you've had a history, I mean, circumstantial, whether it's like twelve months, eighteen months, it's like giving up smoking or something, then you can then you, Yeah. you Review know, it? do another review it and have an undertake, and then those Yep. those alerts or what do they call it? Those those Exclusion? steep Yes. yeah. So would that be the case with mental health things too? Yeah. Absolutely. So, normally, with a mental health exclusion, they do have the exclusion as generally for about three to five years. So if you've gone three to five years from your last symptom or treatment and not had any further symptoms or treatments, then they're willing to review that for you. Reviewing that generally requires filling out a form. Sometimes they may request medical reports from your doctors just to show you haven't had any prescriptions for medication or treatment for mental health. And those Yeah. exclusions can absolutely be lifted. It's just a matter of weighing out the exclusion time frame. Mhmm.","start_word":4310,"end_word":4524,"sentiment":"neutral","sentiment_score":-0.07213899493217468},{"text":"One of the biggest reason why they have those is because after COVID, especially, mental health has been very, very big.","start_word":4525,"end_word":4545,"sentiment":"negative","sentiment_score":-0.3546870946884155},{"text":"And through COVID and beyond, mental health is one of the biggest things that insurance do that insurers have to pay claims on. So, essentially, it is something that they're obviously mindful of. And the biggest thing is, like, the same thing applies with, like, your car insurance. If you've got your car insurance and it doesn't cover storm damage, but the storm's coming in, we can't call the car insurance and have storm damage added to make sure our car is protected because the risk of them paying out is much higher due to the impending storm. So the same thing sort of applies with the insurers there and and personal insurances. But, absolutely, it can be reviewed. It's not a problem, and we, you know, would wanna make sure we review that with you when and if it's possible to do so. Your insurance is your life insurance at the moment. Have you had a look at the level of cover you've got currently? I haven't looked at it in the last few weeks. I No? can't even remember the figures here. That's okay. I've got it all here for you. So your life cover at the moment, in the event of passing away, pays out a lump sum benefit of $520,007.74. And then if you did also pass away, your super benefit's also paid out. So you've got a bit over 180,000 in there at the moment as well. So when I kind of put those together for you $1.80. Sorry. Wait. Wait. One second. I'm doing some quick math here. There we go. Together, your life insurance and your super benefit pays out a bit over 700,938. So it's not a bad life benefit together.","start_word":4546,"end_word":4834,"sentiment":"neutral","sentiment_score":0.03027062676846981},{"text":"The I main might be worth sort more of more dead than alive.","start_word":4835,"end_word":4847,"sentiment":"negative","sentiment_score":-0.5181773900985718},{"text":"Yeah.","start_word":4848,"end_word":4848,"sentiment":"neutral","sentiment_score":-0.2458169162273407},{"text":"no. You are worth so much more alive to me.","start_word":4849,"end_word":4858,"sentiment":"negative","sentiment_score":-0.36133474111557007},{"text":"Please don't. No. I'm just joking. It's just yeah.","start_word":4859,"end_word":4867,"sentiment":"neutral","sentiment_score":-0.2737872004508972},{"text":"It's probably the wrong person to say that. But No. You no. are definitely not.","start_word":4868,"end_word":4882,"sentiment":"negative","sentiment_score":-0.40461796522140503},{"text":"Interesting. Yeah. With Yeah. with your TPD benefit, that is one of the things when we did look at and provide the advice last time. Your TPD benefit there was kind of the lower benefit. You only have about a 195,000 of TPD. But, Yep.","start_word":4883,"end_word":4927,"sentiment":"neutral","sentiment_score":-0.07009674567315313},{"text":"again, if you are unable to go back to work ever again and you are permanently incapacitated, we can also claim that against your life in against your sorry.","start_word":4928,"end_word":4956,"sentiment":"negative","sentiment_score":-0.3586232662200928},{"text":"Not your life in just against your super benefits. So you can also get your super paid out. So if I look at the one ninety If five you two 90 sorry. one yeah. If you Absolutely. did claim on your if you just if you did claim on your TPD, Mhmm. just hypothetically, does Mhmm. then your life insurance within two years, that would change a lot, wouldn't it? Like, because you're already you're in a much more vulnerable state, so so would the life Not insurance no. Not no? necessarily. No. So life is life, essentially, when we do get clients with previous health exist health issues, life doesn't tend to put exclusions on there. You can't really exclude someone from dying from a certain aspect. So they do add loadings onto life cover for preexisting that might affect life or provide a When higher you did risk the to initial life. undertaking or something and Yeah. But that's only yeah. at the time of application. So with your two policies at the moment, so I'm just looking at the certificate currency here for you. So with your two policies, you've actually got I'm just double checking. They are linked. So your life is the main benefit, and your TPD is linked to the life. So if in the event you would have a TPD claim and that $1.95 $2.09 1 was paid out, that amount is taken away from your life benefit. So it reduces your 520,000 by what you've received in TBD. However, we've also got a fourteen day life buyback option. So it means after the TBD claim, within fourteen days of you surviving out the illness, the insurer will reinstate the amount of TPD back to the life cover. So they reinstate your life cover back up to the pre disability amount. So you can then claim on life again if you pass away at a later time. Does that make sense? So well, it doesn't make I mean, it's good to know I didn't know that, but Yeah. Yeah. so that that's interesting. So you hypothetically claim TPD, and then within fourteen days, you need to then make sure that you rein Yeah. Well, you yeah. It's a little bit weird the way we the way that it is structured. And the way the reason why it would have been structured that way is because it's actually cheaper. So the other way to have it is you have life cover and TBD completely separate, and they're Yep. two separate policies. That way, they don't affect each other. But to hold them separately like that, it actually is more expensive because they are two separate policies. So Right. when So you we might provide not be advice able yeah. So when we provide advice, we link the TBD to the life cover.","start_word":4957,"end_word":5434,"sentiment":"neutral","sentiment_score":-0.0034543518054934224},{"text":"That way, you get a multi policy discount and actually makes the premiums a bit cheaper to begin with for you.","start_word":5435,"end_word":5455,"sentiment":"positive","sentiment_score":0.4375603497028351},{"text":"And it does mean that the life cover is affected by the TBD benefit, but we always add the life buyback on there, and yours is attached. So it means that if you claim TBD, yes, your life cover is, you know, reduced by the 195,000 to start with. But fourteen days after, you know, your TBD claims, as long as you've survived that and there's no you haven't passed away, that life cover is automatically reinstated back. Essentially, they'll just send you a letter and say, hey. By the way, you've reached your buyback period.","start_word":5456,"end_word":5551,"sentiment":"neutral","sentiment_score":0.1610519289970398},{"text":"Yeah. Happy. We're gonna, you know, reinstate that life cover, and they'll put that $1.","start_word":5552,"end_word":5566,"sentiment":"positive","sentiment_score":0.40095093846321106},{"text":"95 back into your life cover. So if you pass away, you can then claim that full 528 or your beneficiaries receive the full 520. So it's kind of linking Oh, I it see. so that I it see makes why the premiums it's like that cheaper. now. Yeah. Yeah. Yeah. But still trying to make sure that you can claim on both those benefits in the event that something happens. Yeah. Right. So it's not like you're claiming TPD and then, you know, there's some other, you know, undertaking or something to get your life covered back up to Absolutely. the original No. amount that you had. It's No. just a yeah. Yeah. Yeah. Yeah. And Just to they check don't whether disadvantage it's yeah. yeah. Yeah. Just gonna meet that buyback that buyback time frame. That's all just gonna make sure that after the TPD event that you've survived a certain period. Normally, it's about twelve months, but yours is a fourteen day last buy buyback. So you've actually got a shorter buyback period, which is also why your premiums are a little bit higher. But Okay. the other thing I probably would wanna make mention is I'm not sure. I'm pretty sure we talked about this last time.","start_word":5566,"end_word":5776,"sentiment":"neutral","sentiment_score":0.0547716511828357},{"text":"But with PPD, if you claim total time of disability and you're under the age of 60, PPD, if you take it out of, like, out of the system, draw the money at, is actually taxed. And it's a really horrible thing, but, unfortunately, Oh, well. when you claim, yeah, when you claim TDD and you draw the money out of the super system, they actually do charge tax of up to 22%.","start_word":5777,"end_word":5849,"sentiment":"negative","sentiment_score":-0.4428312778472901},{"text":"There's a really funny big math equation that they do to kind of work at how much tax is payable on that. But, essentially, if you were to be on TBD or claiming TBD, if the benefit is payable out, I wanna do advice for you to sort of help you to be able to age your income if you need it, but they keep the money working as long as possible as well because that can help to reduce the amount of tax that you would have to pay.","start_word":5850,"end_word":5939,"sentiment":"neutral","sentiment_score":-0.06780396401882172},{"text":"But a lot of people who do claim PBD do then take the benefit as a lump sum, take their super out as well, and draw everything down as a a one big lovely payout and then discover that they've lost, you know, a couple a couple of thousand dollars due to taxation, and it's not quite what they are insured for. And it can be a bit of a big shock.","start_word":5940,"end_word":6011,"sentiment":"negative","sentiment_score":-0.369325454864237},{"text":"So You're better there are off putting you know? that Yeah. lump sum amount straight into your super then rather than Yeah. and or trying to to minimize Yeah. the tax. Yeah. Yeah. Or something Well, the like that. the way the claim actually works is because it's a super policy. In the event of a claim being successful, the funds are paid from the insurer to your super fund, and then you've gotta make that permanent incapacity to have it released out of the super system. And that's where that tax order comes into effect there. Oh, it's But at as Roxanne. I kinda mentioned yeah. Yeah. But that's what we do. That's what advisers do as part of our services.","start_word":6012,"end_word":6133,"sentiment":"neutral","sentiment_score":-0.03683564066886902},{"text":"I mean, the biggest risk you have with having insurances is that you hold the you have the cover. You pay the premiums, and you get to retirement, and we cancel them, and you never actually claim on them, but you pay all the premiums and you get nothing back out of that.","start_word":6134,"end_word":6186,"sentiment":"negative","sentiment_score":-0.35443606972694397},{"text":"Yes. But then the the other side of that is that and I'm sure you've seen with working in disability support, you know, something could happen. There's always that one or two or 5% in your life that something could happen, and having that payout could be the difference between being on Centrelink and total poverty or having a little bit of backup in the event of requiring a claim because, you know, everyone who kinda gets everyone who claims either life cover or TBD, the, you know, the benefit is they get that lump sum or they get that payment or they get access to that money.","start_word":6187,"end_word":6294,"sentiment":"neutral","sentiment_score":-0.02357083186507225},{"text":"The downside is they've lost something to get that. If they're claiming life cover, it means that somebody passed away. They've lost a family member or someone important to them. And with TPED to claim on that, you know, you've become permanently incapacitated. You know, you're never able to go back to work again, and there's so many other things to consider in that time frame.","start_word":6295,"end_word":6360,"sentiment":"negative","sentiment_score":-0.43843430280685425},{"text":"Yes. So yeah. Yep. Yeah. There's And a lot so there. just a just a hypothetical, I remember you saying Absolutely. that with the fourteen day buyback with CPD and the life insurance, if that and you mentioned that some other insurances have, you know, a twelve month buyback or something, so you have Mhmm. to wait that twelve months before buyback Yep. of your full life insurance. That'd be your last But yeah. how much does that reduce in your premium fees, like those sorts of slight changes in time? Normally, Is that one that of the big kind fee? of Yeah. yeah. No. It's really not. It doesn't add a lot onto your premiums. I can't see exactly how much the difference is, but, normally, adding buyback onto your policy might cost about 20 or $30 per year, Okay. whereas having, you know, 14 buyback might be about 50 or $100 per year. So it's really honestly not that greater a difference, but the risk there is having the buyback like what you've got means that you only have to survive the impairment for 14. Whereas someone who's got, you know, cancer or had a heart attack has to survive twelve months before they can have that buyback. Whereas if something happened, if you had a heart attack or a stroke or something, you'd only have to survive fourteen days before that life benefit is reinstated, which means your family can, if anything, you know, happened, if you were to pass away after the event, your family could claim the life cover much sooner, and that buyback is added sooner. Whereas, let's say, you didn't have that fourteen day buyback and your family you know, you had a stroke or a heart attack or something, and within that twelve months, you passed away before you got to that buyback tick period, that that TPD benefit is not added back in, which reduces the amount of cover your family can claim when it comes to life benefits. So it's more just about juggling the risk level. Do we pay a little bit more now to have more security and have a much greater benefit and knowing that my you know, I only have to survive fourteen days to be able to get my last buyback added, or do I take the risk knowing that in the event of something happening, I would have to survive twelve months prior to that life cover being brought Yeah. back So in? that's So $70 it's a year or, you know, 700 yeah. dollars a decade or something. Yeah. Yeah. Interesting. It's It it's all adds up. Yeah. small small amount Wow. there to kinda give you a bit of a Or little yes. bit more Just peace of mind. Yeah. yeah. Just yeah. Interesting. I know I'm gonna Yeah. have to go though, but look That's okay. yeah. Look, I I guess going forward, I will, you know, I still what what I discussed, we'll probably look at doing, but I just I don't know. Maybe I'll I'll try to just have a look initially, you know, whether that hub 20 4 fee wise for for what I am. If I'm looking at saying if if I have the the template in my mind that I'm really knowing that I'm putting less into super now, so I'm trying to mitigate the not the risk involved in in the the cons you know, what the risk in the portfolio, but the other little hidden fees, I'm trying to mitigate all of those that are adding up and maybe, Yep. you know, somehow finding that equilibrium from what I'm not putting in as much as to what the fees are like, you know, as opposed to the retail fund, to the industry fund, or or to the financial advice and those other subtleties with the insurances and so forth that are a little bit more yeah. So if you're happy to have a look at some of those options, if you understand where I'm Yeah. coming from Of course. there. Yeah.","start_word":6361,"end_word":7047,"sentiment":"neutral","sentiment_score":-0.0010053149988438275},{"text":"Absolutely. Yeah. Absolutely. More than happy to.","start_word":7048,"end_word":7054,"sentiment":"positive","sentiment_score":0.537361204624176},{"text":"We can do a bit of a catch up. Now I know your annual review is due in December. Did you wanna maybe bring that forward a little bit and do it a bit earlier so we can kind of reassess your goals, really have a chat about what you're after.","start_word":7055,"end_word":7105,"sentiment":"neutral","sentiment_score":0.2797313472803901},{"text":"I can answer any questions that you have.","start_word":7106,"end_word":7113,"sentiment":"positive","sentiment_score":0.40840059518814087},{"text":"That way, you're not waiting till December. Did you wanna do it a bit earlier? Yeah. Okay. Yeah. Well, what is it? It's Yeah. Maybe in September. June. September? Yeah.","start_word":7114,"end_word":7143,"sentiment":"neutral","sentiment_score":0.12685154378414154},{"text":"Absolutely.","start_word":7144,"end_word":7144,"sentiment":"positive","sentiment_score":0.3889758586883545},{"text":"I'll bring that forward to about September. In the meantime, if you find you have additional questions, please let me know. I mean, the hub 24, when we moved you out of Netwealth and into Hub 24, it is definitely cheaper than Netwealth as a platform.","start_word":7145,"end_word":7190,"sentiment":"neutral","sentiment_score":0.23605228960514069},{"text":"And Hub 24 has, you know, more features than Netwealth. Like, it has aggregated trading, so it can save you money in the back end when they're buying and selling investments. They try to aggregate trading, which essentially means they pull your investment requests with other people, and they try to, you know, buy and sell in a more tax effective way in the back end for you.","start_word":7191,"end_word":7258,"sentiment":"positive","sentiment_score":0.3727601170539856},{"text":"What The fees what do you are mean very in the much back end? I'll just like, in the back Yes. end of of of the Yes. The of platform. the the platform itself rather than the Yeah. back end of Yeah. So what happens when of when we, I'm 65 sort of thing. yeah, so what happens when we essentially look at yours when we buy and sell investments, so we tell them essentially what you're invested in and how much of your of how much of your money we want invested in all the different investment options. So every month, they look at how much cash is being deposited into the account, and they work out whether that cash is above their minimum cash holding. If there is too much cash in there, they buy that as investment. And in the back end, what happens is the team at Hub twenty four take our request, they submit that into the market, and they buy those investments for you. So what they do is they pull your money that they're buying into investments with other people, and they try to buy as many investments at the cheapest possible price. So you get what you need to be invested in, but they try to save you money in the back end as well. It's called aggregated trading. It's aggregating your money with other people to try and get the best possible price for those investments that they're purchasing your funds into. Does that Yes. make sense? Yeah. It sounds Yes. like a Cintiq that's in Lotto or something, you know, or Yeah. something like Yeah. that. Yeah. Just trying to get you the best possible price instead of just, you know, trying I to get mean, in there good. and buy it, whatever the market is at the time.","start_word":7259,"end_word":7567,"sentiment":"neutral","sentiment_score":0.08767832000664523},{"text":"So there are definitely advantages to that, and I wanna make sure, obviously, you're getting the best of our services and having a look. I'd love to do some more advice for you.","start_word":7568,"end_word":7600,"sentiment":"positive","sentiment_score":0.5360496044158936},{"text":"We could even look at a cheaper version of Hub twenty four. Hub twenty four does have you've got three different super fund types. They have Choice, which is the one you were in, which gives access to, you know, 1,100 different investment options, but it's the more expensive version of their fund. You also Okay. have Discovery, and you also have core. Those other hub 24 products. And if we look to maybe move you into the cheaper products, you don't actually have to sell investments or move things around.","start_word":7601,"end_word":7691,"sentiment":"neutral","sentiment_score":0.15010596811771393},{"text":"We can, you know, change the change things in a more tax effective structured way for you.","start_word":7692,"end_word":7708,"sentiment":"positive","sentiment_score":0.3793004751205444},{"text":"And it's without you having to roll money to a different fund as well. But those other two Hub twenty four platforms are a lot cheaper. They do have less access to investments, so we would be maybe restructuring the portfolio as well. But if you're open to me looking and providing advice and doing that for you, I would love to do that research, have a look at the cost involved, have a look at, you know, what CGT consequences there might be for you, project that to your retirement, look at what you'll have coming in, and sort of make sure I can give you more value.","start_word":7709,"end_word":7817,"sentiment":"neutral","sentiment_score":0.21190665662288663},{"text":"I just one of the big things is I don't want you paying our fees if you're not getting value.","start_word":7818,"end_word":7837,"sentiment":"negative","sentiment_score":-0.42547374963760376},{"text":"And if you're not getting value, please come and tell me because it's really important.","start_word":7838,"end_word":7852,"sentiment":"neutral","sentiment_score":-0.28552356362342834},{"text":"I wanna make sure I'm here to help you.","start_word":7853,"end_word":7861,"sentiment":"positive","sentiment_score":0.5414271354675293},{"text":"And it's not just about getting to you to retirement. Financial advice is really important through retirement as well. So once you get to retirement, how much do you have? How does that support you? How do we draw that money out? I do advise around that.","start_word":7862,"end_word":7908,"sentiment":"neutral","sentiment_score":0.216595321893692},{"text":"I look at Centrelink for people as well and how I can get you Centrelink and shelter money and get the best out of your super as well as Centrelink. So it's about not just supporting you to retirement, but beyond that to make sure that your super lasts as long as possible as well.","start_word":7909,"end_word":7963,"sentiment":"positive","sentiment_score":0.42218828201293945},{"text":"So Yeah. there's Well, that's lots of things sorry. that I Yeah. can do, but I don't obviously wanna force you into anything you're not comfortable with. But I just wanna make sure that we're having that honest open conversation. You're welcome to tell me, no.","start_word":7964,"end_word":8009,"sentiment":"neutral","sentiment_score":-0.057074494659900665},{"text":"I don't want this.","start_word":8010,"end_word":8013,"sentiment":"negative","sentiment_score":-0.4074244797229767},{"text":"This is not for me anymore, and I will help you go to wherever you want. You are by no means held here in any way, shape, or form. And if you decide, do you want me to turn the fees off, you just give me the direction, and I will abide by that.","start_word":8014,"end_word":8067,"sentiment":"neutral","sentiment_score":0.02058609016239643},{"text":"And I will say thank you, Jay, and I will wish you the best.","start_word":8068,"end_word":8081,"sentiment":"positive","sentiment_score":0.5096677541732788},{"text":"And if you No. decide Of to course. come back, you absolutely can. I'm always here. So I just wanted to yeah.","start_word":8082,"end_word":8103,"sentiment":"neutral","sentiment_score":0.11941467225551604},{"text":"I'm glad we have this catch Yeah. Thanks. Thanks, Dana.","start_word":8104,"end_word":8113,"sentiment":"positive","sentiment_score":0.39658069610595703},{"text":"Yeah. And just when you were saying that because up. I was in that more that that sort of portfolio within Hub twenty four, that allows Yep. you to be able to recommend different changes where you don't have that access if it's in the Yep. what Industry what what did funds. you put into the core no into the core Oh, investment. you do have access to those to other managed funds. So in the in the core or the discovery menus within hub twenty four, they have less investments to choose from, but we can still build portfolios within their the investments that they do have. So we absolutely can still alter and change investments and, you know, keep you within the high growth area and the portfolios. It just depends on what we have access to and how we build those portfolios. But, you know, if if these is a thing, I can absolutely look at cheaper products for you. Still look at building portfolios that works for you. We've also, sorry, just set up our own separately managed account, which is our own investment portfolio, which might even work for you as well. You have less visibility of investments, but we utilize our investment committee and BlackRock's investment committee and have a whole separate portfolio on a cheaper hub 24 platform. So that Oh, might wow. even Okay.","start_word":8114,"end_word":8345,"sentiment":"neutral","sentiment_score":0.14445377642224574},{"text":"work out, yeah, that might even work out for you as well to be able to, you know, utilize that and, you know, see how that works.","start_word":8346,"end_word":8372,"sentiment":"positive","sentiment_score":0.33540257811546326},{"text":"Yeah. Okay. Yeah. Look. Yeah. Well, I think Yeah. you understand the paradigm that I'm coming from trying to Yes. save money Of within course. those super choices and and Yeah. and what I can control there at this stage and Yep. and less less about insurance, but that would be the next one down to, I I guess. And Yeah. then also that that financial advice whether well, not that whether it's worth it. It's just whether it's worth it for me with what I'm putting into it and the need for change. Absolutely. I mean, you know, Yeah. so Of course. I just wanna Absolutely. be mindful on how I say that. But Yeah. but No. alright.","start_word":8373,"end_word":8491,"sentiment":"neutral","sentiment_score":0.0722491443157196},{"text":"Be honest Thank with me, you. Jay. It's it I honestly do love the honesty, sir. Absolutely. Be honest with me. Say exactly how you feel.","start_word":8492,"end_word":8517,"sentiment":"positive","sentiment_score":0.4854094684123993},{"text":"I'll never take offense or be worried.","start_word":8518,"end_word":8524,"sentiment":"neutral","sentiment_score":0.2511793076992035},{"text":"It's it's all about making sure we're doing the right thing by you and being being able to understand how you're feeling at the time and what you need is really important towards me making sure I'm working your best interest for you.","start_word":8525,"end_word":8567,"sentiment":"positive","sentiment_score":0.5662598013877869},{"text":"So, yeah, there's Yeah. lots of Of course.","start_word":8568,"end_word":8575,"sentiment":"neutral","sentiment_score":0.2039898782968521},{"text":"things I that appreciate we can do.","start_word":8576,"end_word":8582,"sentiment":"positive","sentiment_score":0.5035684108734131},{"text":"that. I Yeah. will I'll get the team to give you a call in early September. We'll book in your annual review a bit earlier, and let's have a really good look at things before we get to the end of the ongoing service agreement and look at updating the advice Even if at that time I update the advice and show you what the recommendations are, you don't have to take it.","start_word":8583,"end_word":8655,"sentiment":"neutral","sentiment_score":0.2068994888295866},{"text":"You can go, thanks, Dana. I like it, but I'm just it's not not for me, and that's absolutely fine.","start_word":8656,"end_word":8675,"sentiment":"positive","sentiment_score":0.5883191823959351},{"text":"There is no obligation for you to take advice after I've gone through that. You're welcome to say, no.","start_word":8676,"end_word":8694,"sentiment":"neutral","sentiment_score":0.24117599427700043},{"text":"It's all good. Thank you for trying, but I'm good, and we will help you.","start_word":8695,"end_word":8709,"sentiment":"positive","sentiment_score":0.5774451494216919},{"text":"Okay? Okay.","start_word":8710,"end_word":8711,"sentiment":"neutral","sentiment_score":0.2533292770385742},{"text":"Thank you, Dana.","start_word":8712,"end_word":8714,"sentiment":"positive","sentiment_score":0.566659152507782},{"text":"Yeah. Yeah. That's okay. We'll find out a time to catch up in September. Yes. Yep.","start_word":8715,"end_word":8730,"sentiment":"neutral","sentiment_score":0.25449052453041077},{"text":"I'll make sure that happens for you, Jay.","start_word":8731,"end_word":8738,"sentiment":"positive","sentiment_score":0.35132914781570435},{"text":"No.","start_word":8739,"end_word":8739,"sentiment":"neutral","sentiment_score":0.10528075695037842},{"text":"Thank you so much. I know you have to go, but I really do appreciate it. You have a lovely afternoon. If you need anything or have any other questions, let me know.","start_word":8740,"end_word":8772,"sentiment":"positive","sentiment_score":0.5146371126174927},{"text":"If you're wanting to get a balance update or a report of some sort, you just let me know.","start_word":8773,"end_word":8791,"sentiment":"neutral","sentiment_score":0.2210674285888672},{"text":"I will organize it and have it sent to you.","start_word":8792,"end_word":8801,"sentiment":"positive","sentiment_score":0.3675207793712616},{"text":"Okay?","start_word":8802,"end_word":8802,"sentiment":"neutral","sentiment_score":0.26160728931427},{"text":"I'm here for that. Okay. Terrific. Thanks again. My pleasure. Enjoy your day, Jay. Have a good day. You too.","start_word":8803,"end_word":8822,"sentiment":"positive","sentiment_score":0.6746053099632263},{"text":"Bye bye.","start_word":8823,"end_word":8824,"sentiment":"neutral","sentiment_score":0.32164356112480164},{"text":"Thanks. See you later.","start_word":8825,"end_word":8828,"sentiment":"positive","sentiment_score":0.5443881750106812}],"average":{"sentiment":"neutral","sentiment_score":0.017466114541786922}}}}