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I had you booked in to go over your strategy recommendation. Is now still a good time? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Yep. Perfect. And how's your day been so far? I've been busy? Well, I will try my best not to keep you for too long. There is a fair few things to get through, but I will try to do it as quickly as I can for you. And now, James, do you have access to your emails at the moment? Alright. Perfect. So what I'm going to do is I am going to send you an email with some documents to go through. Now that's just been sent on my end. So just let me know if that comes through to you. Okay? Yep. Perfect. Thank you. Sometimes it does take a little bit to come through. And, yeah, sometimes it does end up in the spam folder as well. Alright. Let me see if I can refresh it on my end. Yes. It will be from me. You should say, have a run account. Let me see if we're gonna still nothing. Okay. Let me see. We've been having a little bit of issues with technology. Let me just see. Okay. Stop. There's still nothing. Yes. Let me triple check that for you. Alright. I'll just try resending as well. It looks like I'm having a little bit of a technical issues with the software. What I can do is I can just email you a copy. That way, you can kind of have a read over it. And then when the system is up and running again tomorrow, hopefully, I can send you all the completed digital signature just so I don't keep you for waiting for too long. Now just bear with me as I tryna get this sent to you. It's always like that with technology. It's great when it works, and now it does doesn't work. And it's it's usually like that at the end of the day too when IT and technology have left for the day as well. So just bear with me, and I will trouble check. I have the right email here. It can also be because, yeah, we have just transitioned to a new software. Now I have email address jmstewart@outlook.com.au. Okay. Perfect. Now let me just see here. So what I will do, there are a lot of attachments supporting documents. But just so I don't keep you waiting, I will just send you the main documents to go through today. And then, like I said, I'll get the team through, hopefully, trying to get IT on tomorrow when they are back in and send you the complete email, which has all your supporting documents and everything in there to make it easy. But then at least this way, you can actually see what we are going through today. Sorry. Let me see here. Alright. I just sent that just from my emails and not through the system. This is a PDF so you can open it. And, hopefully, that comes through. Yeah. There we go. Now like I said, this is just a statement of advice for you. Now you will get all the supporting documents, applications, everything digitally, but at least we can kind of go through this for you now. Yeah. Perfect. Are you able to open that document okay as well? Yeah. Okay. Perfect. So I've put together this strategy for you, James, that I best believe are going to achieve your goals and your objectives. But at the end of the day, they are just recommendations. You know, whether you wanna implement some of it or none of it or all of it at the end of the day, it is completely up to you. Now on the cover page here, you will see that this has been prepared and tailored to you specifically. It has been prepared by me. Now you can see my authorized representative number listed there, and I am licensed under Oakview Financial. Perfect. Now on the next page, you will see the best interest duty and then the document is valid for sixty days. So it does give you a bit of time to obviously have a read over the document, any questions, and stuff like that. You can always just give me a call, and we can kind of go through that when you've had a bit of time to read over everything. Because like I said, there are a fair few things to get through. Otherwise, the best interest you do have you ever heard of that before? No. So best interest duty effectively. All it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, I can't actually make the recommendation. And if I correct. Yes. So we have to follow that first from the corporation's act, then also we have to follow the code of ethics. And if we breach it, we will lose a license. If I lose my license, I will lose my job, and my husband at home will be too happy with me. So, yeah, there are a lot of legislation in place, both the law, but then also the code of ethics that anyone working as a financial adviser has to follow, and that forms part of that best interest duty. Does that all make sense? Yeah. Great. Now on the next page, table of content, pretty self explanatory, just everything that we are going over. So just bear with me as we go through this. Perfect. Now you will then have scope of advice. Now, basically, what this means is the areas we are looking at in this statement over time. But it does not mean that there's not other areas we can't look at down the track. But simply today, we're looking at your superannuation to cross off on those goals for you. Also, investments within superannuation support you are currently invested in versus what I have recommended. And then also personal risk insurance because we did have that discussion in regards to your life, TCD income protection and the trauma insurance. Yep. Now, also, a little bit about estate planning on the following page, just factoring that in as well, just making sure that if something were to happen to you, it will go through as per your wishes. Now on the next pages, you will see scope of advice not considered. Now this is the areas, like I said, that we can definitely explore in more detail as we go. Sometimes it's easy to kind of get their foundation and everything sorted and then kind of build on everything. So that would be, for example, debt reduction. So if you wanna work towards making it quicker to reduce your debt, we can definitely assist with that. If you need to save up to do more travel or anything like that, we can also have a look at that. And then also kind of down the track as well, if it is that we wanna explore the potential of the self fund super fund in a bit more detail, once kind of your super balance has grown a little bit, again, it's something that we can consider and work towards. Yep. Perfect. Now you'll then have a section talking about limited advice. Can you see where I'm up to so far? Yes. So that is page seven. So this one here basically just shows you and tells you as well that I'm not a legal practitioner. I can't give you any legal advice. I can give you guidance on how to structure your beneficiary nominations from a tax and estate planning point of view, but can't give you any legal advice. Same goes that I can't prepare your tax statement. We can obviously do tax financial advice, but I can't prepare your tax statement. I'd have to refer it onto an accountant for that. Yep. Now underneath that, you will see a little table outlining the different strategies today. Now I will go through these in more detail as we go through them. Any questions so far? Nope. Perfect. Now the next two pages is just some little bit of information about you. If you can just have a quick read over that for me just to make sure that's all up to date or if we need to make any changes in the packet. Yep. Perfect. Which then takes us to your current superannuation and your insurances. So at the moment, you have your super with C Bus. You do have about a $144,356, and you do also have some insurances with one part paid from within. So you have your life, which you can see here, just over 1.5 mil, and then TPD insurance of 826,685. Now the total premium for those two is 2,142 and 86¢. Now the next three pages, I will let you kind of read over in your own time, but it does explain that risk profile in a bit more detail. So do you remember last time kind of going through that questionnaire about how you sell about market fluctuations and volatility and risks in superannuation? Yeah. Perfect. So you came out as a growth investor, but we kind of agreed that a high growth portfolio is going to be the most appropriate for you at the moment. You do have plenty of time until retirement, and your goal is to try to maximize that growth as much as possible. And it's only really that 10% difference. So what that looks like in terms of the asset allocation is that ninety ten split where you have 90% to your growth investment and 10 to defensive. Does that kind of ring a bell? Yeah. Perfect. Which then takes us through the actual recommendation, which is page 14. So this is the the first recommendation. Now to make it a little bit easier, I'll get you to scroll down first to page 18 for me, And you will see a fee comparison table. 18. Yeah. You can see that table? Yeah. Perfect. So sometimes this makes it a little bit easier, and this is essentially where kind of all the compliance and legislation, everything comes down to effectively. I'm showing you the putting you in a better position. So this essentially summarizes all the advice and all the strategies together. So if we look at first your current superannuation, so I had a look at, obviously, your current C bus, what you are invested in within C bus, as well as what you are paying for in fees. And then what I have recommended, which is going to be a little bit better for you moving forward. Now at the moment, in your C Bass account, you are paying a total of about $1,250 per year in administration fees as well as investment costs. Now over the last five years, the portfolio that you are currently investing within CEVA has performed at an average rate of return of about 9.03%. Now what we have done on the next page is just forecasting that for five and ten years to show you. So if you scroll down one page, you can then kind of see the projected outcome for five and ten years with Zebra's and your one path insurance. Does that make sense? Yeah. Perfect. So if you wanna scroll up for me through that same table. So I had a look around for other options both within Cbus and then outside of it as well. And once I kind of waited up what was going to be the best option for you specifically, it was a more sophisticated platform called Hub twenty four. Now have you ever heard of Hub twenty four before? Okay. Yeah. Now, basically, just a little bit of background information for you. Hub twenty four, they have been around since about 2007. They are also directly listed on the Australian Stock Exchange with just under a 100,000,000,000 for dollars of funds under management. So essentially a massive conglomerate. They are one of the quickest growing superannuation kind of platforms out there, and it does offer a lot of benefits and features that some of their competitors doesn't do. Now one of those things is something that is called aggregate trading. Now, basically, what that means is that we can make trades on investment or with one broker fee rather than paying, you know, $10.20 dollars for each investment trade that we do make. Does that make sense? Perfect. But, essentially, though, hub twenty four, just another super fund. You know, there is hundreds of them out there. And keep in mind, James, that all super funds are pretty much the same thing. They are basically just administration services that hold your money at the end of the day until you can access it. Now what really matters is what you can actually invest your money into within the fund itself. So, you know, it's not CBA or Australian Super or Australian Retirement Trust or Hub twenty four that kind of gets those returns and make your money grow. It is the actual investment option within the fund itself that gets those returns for you. Does that make sense? Yeah. Perfect. Now I'm not sure if you kind of had a play around with the investment choices in, but they are quite limited in how many options you can actually choose from. Now yeah. Which is just one one of the option, like, a that's a model portfolio that you've kind of chosen within or default within Cbus, and you don't actually know what's the underlying investment. You just basically know that you're in the high growth model portfolio. But if you were to kinda change it to something else, you would see that there wouldn't be too many options to choose from if you wanted to change it. But the good thing with Hub twenty four is that there's hundreds and hundreds of different investment options to choose from all the way down through direct shares, which is how we can kind of build and recommended portfolio within Hub twenty four using the same five year rolling average has been 13.56, which is that 4.53% better than your current portfolio, which, as you can probably imagine, does make a big difference when we are then compounding that forward. Now I do wanna mention as well that Hub twenty four as a platform is a little bit more expensive as you can see here than see that. Now admin fees is a little bit more no. That's page page 18. Oh, yeah. Now as you have a look here, so overall, the the fee is a little bit higher than you see about the account, but you are getting a lot more value for money. Now for example, if you look at the difference, you see admin fees. Hub twenty four, the platform is more expensive. But then when you look at the investment fees, the portfolio we have recommended is actually quite a bit cheaper than what you're currently invested in. And then you can also see, like, other fees associated with the account is a little bit cheaper than SEVA. But overall, when you factor in, advice fee, it is a little bit more expensive. Yep. Perfect. Now, again, all of this also includes, you know, salary sacrifice, new insurances, and every advice fee. It shows everything. That factoring in all of that, it still puts you in that better position, which is on the next page again, projecting five and ten years forward. Correct. So you can see the difference. And in the appendix as well, I have included another table not showing the increase in salary sacrifice to show you exactly like for like with the contribution and still showing you that it puts you in a lot better position. So that will be in the appendix. That's the one you will get tomorrow when the software is up and running. It will be an attachment. Yeah. So that will show you the the difference as well. So not showing salary sacrifice on both sides so that you can see that. Yes. Definitely. Obviously, doing contributions will impact it and will compound, but we're kind of starting with smaller amounts on salary sacrifice as well. So even without it, it still puts you in a lot better position, which is why we have included that in the appendix to show you that outcome for you as well. Yeah. Yes. Yeah. And you definitely don't have to. And it's one of those things as well where clients sometimes stops and starts just depending on exactly what is going on in their life. And if it is that you are happy with the recommendation, but you go, you know what? I don't wanna do salary sacrifice. We do not have to at all. There is a section when you get the digital copy tomorrow as well or when you have a read through, there is a section where it actually says alteration to the advice. So I have made a couple of different options for your insurances because we did speak about that as well as the salary sacrifice. So if you go, a, I don't want salary sacrifice right now, just note that down, and then we can definitely note that that we're not looking at doing that. Maybe something down the track, not really right now. And that is perfectly fine. But that will kind of make sense when you see that. Mhmm. Mhmm. Yes. Yes. And it we are seeing that overall in the market as well. Now the tricky thing with your CBAS investments, which will come through a little bit sooner as well, is because you just invested in the model portfolio, you basically have a fund manager within CBAS choosing what goes in and out of the investment portfolio, but you actually don't see what those underlying investments are. So you don't know which industries or which sectors or how they are invested, which sometimes can cause a little bit of issues if you don't have that transparency or you don't know what it is. It gives them the flexibility of chopping and changing, but sometimes it can be a little bit tricky. But overall, the last, you know, twelve months, we have seen a bit of fluctuations in the market with everything going on first in, like, The US with Trump and tariffs and everything and then with the war and stuff like that. So it's also important to factor in diversification within your investments as well. But does that make sense so far, James? Yeah. Perfect. But most definitely, when this document was prepared, obviously, your balance was at a 144. If it's down to a 140 now, if you said it dropped, yeah, by about that, it doesn't change the advice because it still obviously factors in the fees and the returns. And, really, the more you have, the the bigger difference is going to compound and put you in that better position. But I'll make sure, obviously, as well that when we in the appendix, like I said, I will show you no salary sacrifice so that you can see that. And I'll make a little note here as well. When we do you know, if if you are happy to come on board and we do the application, it sometimes does change, you know, day to day even with the amount, then that's perfectly fine. If it's a a really big drop between it, just let me know because then I might wanna just rerun the numbers if it's, like, a big drop just to redig that for you. Yeah. Yeah. And, also, you are in a in a high growth, but, again, because we don't know what's in CEVA, so it can be, you know, different private equity. It can be high risk investment. It can be low risk. We just don't know because, obviously, CEVA just has that information, which I will actually go through go through then the portfolio that I have recommended and how that's different and how you can actually see and research every single option that's there. And it's all all there to give you that full transparency. But, yes, we are seeing a bit of those fluctuations recently, unfortunately, with everything going on. The good thing with overseas superannuation is a long term investment, but still, obviously, when it does fluctuate, it is a little bit disheartening because you work hard for the money, and you don't wanna lose it. Exactly. And and, typically, as well in, like, a high growth portfolio, we kind of say that the likelihood of a negative return is about one in five years. So in, like, a five year five year period is expected that one of those years might be negative as long as overall as a as a whole, it's obviously moving forward and growing, which is just kind of the nature of it that it is kind of, you know, long term, and then you add everything up. Yep. Perfect. Now do you have any other questions on this page otherwise? No. Great. Perfect. Now while we are here, if you then wanna scroll to the following page, just showing that five and ten year projection again. Underneath that, you can then also see the investment returns outlined a bit more for you. So you can have your twelve months, three years, and five years to show you a bit more information. Yep. Perfect. So if you then wanna scroll up for me, James, just back up to page 14. Oh, no. That's okay. Again, technology. You're like, no. Just give the pack. Can you see that okay? Yes. So you can see here that, basically, this puts everything in query words, what I kind of just explained. So I'll let you have a read over that in your own time because it is a lot of information to take in. But it basically shows you kind of that best interest duty again of why the recommendation does align with your goals and your objectives and puts you in a better position. Kind of puts all of that in in there for you. You can actually see here that from the research, the investments I mentioned earlier, offers 16 investment choices, whereas Hub has 1,178 choices. So with Hub, it also gives us that flexibility that if it is a investment because it's not a set and forget strategy ever because you never know what's going to happen in the market. No one could predict COVID or what's going to happen. So the good thing with hub twenty four is because it gives us access to so many different investments, we can chop and change things based on what's going on. So it gives us that kind of flexibility. Now if you then wanna scroll down a little bit for me, on page 15, it does outline that, typically, the way that I like to do it is to do a partial rollover first, retaining 10,000 in Cbus temporarily. The only reason we would do that is until your new insurance policy is enforced. As soon as that is enforced, we will then close down, and transfer that remaining 10,000. And that is just because at no point in time do I want to leave you uninsured if something were to happen to you in the process of applying for new insurance. Does that make sense? Yeah. Perfect. Now, again, on the next couple of pages, it's quite wordy. So, again, I'll let you have a read over it, but it does kind of break down the advantages in regards to the recommendation, some disadvantages as well, which one of the disadvantages that it is. So a little bit more expensive, some risks to be mindful of as well, which is that there's always a level of risk associated with any investment option, and you can't guarantee the investment return. But that's also why we use the five year rolling average as a starting point to give us a bit more certainty of what's happened, you know, to the portfolio and the market. Because if we use twelve months, depending on when we would have done it, sometimes it would have made it look like you've won the lottery, Whereas other years, not so great. So that's why we do like to use that five year rolling average. Perfect. Now alternatives considered, you can see that I did consider staying in C bus for you, changing some of the investments. But because of the limitations, that's available in C Bus, I just couldn't achieve the same outcome, in C Bus. And the other good thing with hub twenty four is that they offer something that's called family linking. So if that's ever a situation where a family have, you know, superannuation funds in the same platform, you can actually link accounts, which means that you get a discounted administration fee the more your balance grow because accounts suit the balances, like, as if it's one account even though it's two separate. So it is a kind of another good thing with hub 24 that it is another feature that you can have. Yep. Perfect. Oh, yeah. 17. At the bottom? Yes. So there is a lot more research. No. That's okay. Just just interrupt me because I know there's a lot to get through. Now there is a lot more options that we did consider, but this just shows you some some of them, and the most competitive competitor was MyNorth. We also looked at, you know, Netwealth, Macquarie. There are other options. MyNorth was the most competitive in terms of fees and investment choices, but they don't offer the aggregate trading, which does reduce the fee in Hub twenty four and didn't have quite as many investment choices as hub twenty four. So, therefore, I didn't recommend my law. And I do use hub twenty four for my personal superannuation as well. And if I didn't think it was good, I wouldn't use them. I definitely wouldn't recommend it to you. But it's not to say that it's always potentially going to be the best option, James, because there's always new products and features continuously coming out. There is absolutely nothing tying us to hub twenty four. So if there is another one that comes out that is, you know, cheaper with just as much investment options, like I said, there is nothing, you know, preventing us from swapping Superfunds if it's going to be the better option for you. Yep. Perfect. Now if you can then scroll down to the investments for me, which is page 20. Yes. So you see a little table there? Perfect. So this kind of outlines your current investments. So like you said as well, you are in a high growth portfolio, and a 100% of your money is in this portfolio. I kind of already touched that that is a managed fund option. Now do you know the different options between, like, a direct share or an ETF and a managed fund? Have you ever heard of that before? Self made super funds a little bit little bit differently. But, essentially, with no. That's fine. And most people haven't because it is obviously, like, a foreign thing. Now for simplicity, to give you kind of a a rough idea of the different investment options, now this is all available in Hub twenty four as well, which is great, is that you can have direct share. So that is the most simple way. Let's say you wanna invest in BHP. Directly in BHP, you can invest in the company itself, just in BHP. Now that is a direct share because you invest directly in one particular company. You can then have an ETF, which is an exchange traded fund, which is a lot of the investment that I have selected for you. Now these are a little bit differently in let let's say you want to invest in the oil industry as a whole, but not just in DHP to give you a bit more diversification. You can then invest in an ETF, which kind of tracks different index and metrics depending on which one we choose. And it is a really good low cost option because you're kind of tracking an index, but then also it's very diversified because you don't invest in just one single option within the investment. And then you have managed fund, which is how your c bus is set up where you do have that portfolio manager kind of buying and selling different things depending on what is going on in the market, which sometimes works out well and sometimes it doesn't outperform. Yep. So underneath that, you can then see the investment portfolio that we have put together for you. Now this gives you kind of all the transparency in the world because you know exactly what those investments are doing. If there's ever a situation where you don't, if you are very particular with not liking a particular investment or industry, we can always chop and change it, because Hub twenty four does have that 1,178 different options to choose from. And it's not a set and forget thing. So, again, things in markets can always change and evolve, and it is important to keep reviewing these just to make sure if there is one that's underperforming, we might wanna swap it out for something else depending on what is going on in the world as well. But, essentially, how we put together the portfolio there for you is that we put together it using a core satellite approach to investing, which essentially means that we are investing majority of the funds in what we would call your core, and they kind of represent, like, the backbone of the portfolio. And these are more those passive index funds that have done really well in the past, and we believe will continue to do so in the future. So these are kind of your biggest shareholding. So you will see here at 35%, the iShares S and P 500. Have you ever heard of that one before? No? Essentially, that one invests in the biggest 500 companies listed in The US. So you will have companies like Apple or Microsoft and Amazon, all the kind of big companies you would see and use every day. You then have 25% in the beta shares Australia 200. Again, we don't wanna put too much into one industry. We don't wanna put everything into the The US, but we wanna diversify things for you. So that 25% is in Australian investment. So that one invests in the two 100 largest companies listed on the ASX. So you will have companies like Commonwealth, BHP, CSL, Woolworths, for example. Again, all the kind of big companies in that portfolio. Now the rest of the investments you will see have a little bit of a smaller holding, and these would be what we would call your satellite investments because they can be a little bit more volatile. They can fluctuate a little bit more. They're a bit more specialized. That's why they do have a smaller portion allocated. But because the goal is we do wanna maximize that growth for you and diversify things for you, we wanna obviously find the niches and the opportunities to grow that for you while still not having too much allocated through them. So, for example, you'll see 6% to beta shift cybersecurity. Obviously, AI technology is not going anywhere anytime soon. You have a 9% in Europe. Again, trying to diversify everything for you around the globe. 5% in Japan, and then 8% across the globe. But that one excludes The US because you already have that exposure to the ICS S and P 500. Because we don't wanna put too much into one area as well. Yeah. No. No. Not annoying at all, James. Page 20. And I got lost somewhere. And you were like, I can't see. What are you talking about? No. Just page 20 and the weighted column. And, basically, the bottom through there, the seven and five, are your more defensive. So I was telling them the fluctuations a little bit. So you have seven percent in gold and a 5% in fixed interest for you. Does that kind of make sense? I know it's probably a lot to take in. Yep. Perfect. Yep. Now in the appendix as well, so when you do get that tomorrow, if it is something you do wanna read up on a bit more, in the appendix, I've included investment link to each and every one of these investments. So it is public. So if you do wanna go and have a read over them, you are more than welcome through. That will all be in the appendix when you receive that tomorrow as well. Yeah. Perfect. Now next up is just showing you the asset allocation. It is the pie chart. Can you see that? Yeah. And you're like, what are these numbers? Yeah. Look. I'm seeing numbers just not the percentages. Now this one here shows your risk profile at high growth, your existing portfolio, and then the proposed. So both very much aligned with your risk profile. The proposed has a little bit more in growth and defensive, but still kind of both align with your risk profile as well. So that will be your defensive investment. So you will see fixed interest. It can be different alternative investments and cash, for example. So these are the ones who kind of limit fluctuations a bit more kind of slow and steady investments. And, typically, the older you get, you might wanna start switching these. So the older you get, the closer you get to retirement. Most people want a bit more higher and higher in defensive because these are the slow and steady. And if you wanna retire in, let's say, two, three years, you might not wanna be in a high growth. Because if that's the year you wanna retire and it's down, you you know what I mean? So gradually, you wanna then start increasing it. But because you have plenty of time on the retirement, you do have obviously time through b mainly in that high growth, but just a tiny bit of that defensive for you. Yep. Perfect. Now I'll go through the next strategy a bit quicker for you if it is something you're not really thinking about right now anyway, but I have included that for you, which is showing you the salary sacrifice that is page 22. Can you see that? Yes. So this just show you what $20 per week in salary sacrifice will do. So you can see your current position and the proposed position. Now it might look a little bit messy with all the numbers. Essentially, to summarize it for you, if you do $20 per week in salary sacrifice, After tax in twelve months, it will mean that in in pocket, you will receive about $707 less in a year's time after tax. And you can see that taxable income. That's also how you save a little bit because it comes pretax. The difference then underneath that is then extra going into super. So by doing $20 per week into super, you still get taxed in super, but concessionally at 15% instead of your marginal tax rate at 30. It will mean that you will put $884 extra into super. And when you fact factor in kind of the difference between contributions and income, it's a net of about a 177 just kind of intact that you've saved. Yeah. Does that make sense? Perfect. But, again, it's just to show you, and it's perfectly fine if you don't want to do this at this point. That is no stress. It's always something we can reevaluate when, you know, cash flow and stuff a little bit better or if you just have different priorities. That's perfectly fine. So I'll kind of skip this and let you have a reader because, again, he outlines advantages and disadvantages and risks in regards to it, but I'll let you have a read over that in your own time. Now do you have any other questions so far before I move on to your insurance recommendation? No? Okay. Perfect. Now with the insurance and, again, I have included different options for you in the appendix because I know when we spoke last time, you said it kind of depends on the price for you. You want as much as possible to give you and this family that protection if something were to happen. But, obviously, without knowing the price, it could impact things. So I'll run through because I have the the figures in front of me. Again, it might make more sense when you see the alternative, and the option is ultimately completely up to you which which ones you feel the most comfortable with. Now I did have a look at your one path insurance as well, and looked at just keeping that and alterating it through increasing the TPD up to life a little bit. But your one pass insurance, even though it has the same underwriter as Zurich, which is the one I have recommended, it was a bit more expensive and not as comprehensive. So I have recommended that we cancel one pass and apply with Zurich instead. It is very similar, though, in the process. They're both very comprehensive options. They're both underwritten, which is what makes the cover so good that, you know, because you are kind of locking into a contract with them when you apply for the cover, that means that anything after that point in time, you are covered. So if you change your occupation and you become an underground minor or you take up a super risky occupation, you are still covered. Or if anything were to happen to you health wise, you are still covered, which is what makes it so competitive. Does that make sense? Yep. Perfect. So what I have recommended here on this page is the most amount of cover. So it's a million dollars worth of life and total permanent disability insurance. Now the way that I have them structured to reduce the premium is to having them linked. Basically, what that means is that whichever event happens first is what you will be paid on. So let's say claim TPD, something were to happen, you get paid a million dollars, it cancels your life policy. But I just added in a buyback option, which after twelve months reinstates your life. So if something were to happen after twelve months, it's then reinstated. And it just makes it so much cheaper for you than having them completely stand alone. It actually makes it cheaper than if you said to me, I only want TPD, which is kinda funny, but it just the insurance has multi policy discount, which does make it a bit cheaper. Now income protection, I have also added for you, and that is 70% of your income on a monthly basis, which will pay you a monthly amount of 7,292. I have added a, s three contribution feature. Again, it's not something you have to have, but it is quite good, which means that even if something were to happen to you and you are not working and you are getting income protection, you are still getting contributions into your super of about that 1,250 from the insurer, which is really good. Superannuation guarantee contribution. It means your employer contribution. So, basically, it means that 1,250 per month will be paid in correct. So even though you're not getting any form and your employer is not paying for it, the insurance will will put that in while you are on claim. Yeah. That's that's a very good question. Now with insurance, income protection that used to be two definitions back in the days, and now only new and policies have indemnity style. You used to have an agreed definition and indemnity style. Indemnity style means that that is the income at the time of claim. So it is important to keep reviewing them, especially as your income change. So for example, if your income at the time of something were to happen to you is 80,000, even though you are covered for more, you are only gonna get paid for 70 percent of 80,000 because that is your income at the time of the claim. On the other side, though, that if you are your income is, let's say, 300,000, because you are only insured for up to 7,292, even though your income might be more, you are only going to get 70% of what you are insured for. So that is why it is important to review them. Now the good thing with Zurich is that every twelve months within thirty day of the anniversary period now you don't have to remember this, but you can do an increase with up to 15% of income without having to go through underwriting, which is really good. Because otherwise, every time you increase the cover, the insurers are like, woah. You we are taking on more risk, so you have to go through the underwriting process again. And the old definitions of agreed value was that it was agreed upon at the time of the policy. So the benefit of that was, like, if your income when you took out the policy was 300,000, even if your income at the time of claim was 20,000, you would get 70% of 300,000. But as you can probably imagine, a lot of people were sometimes better off on income protection claim than you were working. Sorry. The insurance paid a lot of money, so they changed that. So new policies, you can't get that anymore. So that is a good question. Now I have looked at the waiting period of thirty days. Now we did look at as short as possible for you as well. Obviously, finances, a lot of people can't survive very long without an income. Zurich and OnePath are the only providers where you only have to wait fifteen days after waiting period before you get paid. All the other providers is thirty days. So that would mean that you would wait thirty days plus fifteen before you get paid, so it's forty five, but all the other providers, you'd wait sixty. So that is that is an added benefit with Zurich. Now I have recommended here to show you the most comprehensive option on your income protection, which shows you of having the income protection all the way up to the age of 65. So that is if something were to happen, you can get paid all the way up to the age of 65 if you can't work. So this is the most comprehensive option, also the most So all those three, you can see here that the total premium is 3,364. Now just for reference, your life and TPD alone at the moment with one pass is 2,521, and that doesn't include income protection, which is the most expensive. Now no. Now in the appendix, which, again, you will see tomorrow, I have included an alternative income protection configuration. So life's the same, TPD the same, income per section exactly the same, but the benefit period instead of being all the way to the age of 65 is showing you five years. So a little bit less to still show you that, and the premium for that is 1,853. So it does make a bit of a difference in price, but it also means you're only covered for five years instead of all the way up to the age of 65. Yep. Now the good thing with the insurance as well, I always say that if it is affordable, it's always better to start higher because it's super easy to decrease it. If, for example, you say, you know, I'm happy to start with age 65, but the older you get, the more expensive they're gonna become. So in a couple of years, if you were to say, do you know what? I feel like it's getting more expensive. Let's reduce it to five years. It's a quick form. The insurers are happy to take take more take on more risk less risk. But if you say the opposite, let's say you start with five years, and then in a couple of years, you go, oh, do you know what? I wanna increase it to age 65. Because the insurers will take on more risk, they will say, okay. Well, we have to go and assess everything again, your medical, your health, your lifestyle, because they are taking on more risk. And if something's happened to you in that time frame, you know, you might not be able to get covered. Does that make sense, Jim? Yeah. Perfect. But, again, the options are there, so it's completely up to you what you are comfortable with. Now almost at the end for you, which is then showing you page 26, which is your trauma recommendation. Do you remember what the trauma was? Yes. Yes. Yes. No. Very much. So it's a lump sum payment that is completely tax free. It's paid through you if you suffer a traumatic event. So that would be your biggest ones, like cancer, stroke, heart attack, different neurological conditions. And you just need to get that the definitions from the doctor, and you will then be paid out a lump sum payment completely tax free. Again, this is just to show you the premium. So at the end of the day, you can decide what you would like to do. Now I have done two options for you again because we spoke about that last time. So I've shown you here, again, the most comprehensive, which is 200,000. That is 2 100,000 worth of trauma. Now I have added a secondary life policy. The only reason I have that is to reduce the trauma price because, again, that kind of multi policy discount. That is the only reason. Of 200,000. So that would be if you would pass away, that will be an additional 200,000 paid to your family. Yes. Exactly. So it'll be 1.3. Again, the only reason I have done that is to reduce the trauma out of pocket because it's more expensive to do it by itself, which, again, seems weird. It just makes it cheaper. And now I have shown you so this one here will be $32.40 per month for both of those. I have shown you in the appendix, which, again, you will see tomorrow, of a 100,000. The premium for a 100,000 is $16.64 per month. Does that make sense? Yeah. Perfect. Underneath it, you can then see your one path insurance as well that we would obviously look through to change that. Now, again, it shows that best interest due to going back to that again, making sure we always take your best interest at heart and that the advice will align with your goals. So, again, I'll let you have a read over that in your own time because I know I've kept you on the phone for a while. But, essentially, everything we've kind of gone over, it's kind of put in black and white for you. It also on page 28, you'll see a little bit of a table, just of a needs analysis, which is kind of what we discussed last time. It's just putting the numbers there. So if something were to happen for life and TPD, paying out all the debts, having a bit for funeral expenses, also, it will be about four years worth of income replacement if something were to happen to you. And that gets us that outcome. That is just outcome. That is just to show you if you were to say, you know what? I'm happy with Zip, but I don't want insurances, what the outcome will be. But even if you look at, like, say, five years, it's not a great deal difference, but it will mean that if something were to happen, you will have a life activity and income protection to protect you and the family. Yeah. Again, on the next pages, it'll put everything into words. So you'll have advantages in recommendation, disadvantages, also some risks to be mindful of. One of the biggest risk is making sure that when we do the insurance application, you answer the questions truthfully. So if something ever were to happen come claim time, that's all correct. Otherwise, disadvantage is if you do want trauma, you'll have to pay a little bit out of pocket. And, obviously, adding income protection overall, even though it is better value for money, it is a little bit more expensive if you do decide to go with the $8.65 benefit option. Now the last thing I do wanna mention with the insurances is at the bottom of page 30. Can you see page 30? Yep. Now I know as well we spoke a little bit about trauma for children if something were to happen. So on the current trauma, but you were kind of leaning more towards just the added option for for cost purposes. So for both the 100,000 and the 200, I've included this option for you. And that essentially, as you can see that, it means that it will pay a benefit if one of your children between the ages of two and 18 suffer from a specific event. Now in the PDF, it will actually outline what all of those are for you. So a lot of information, but it will give you a bit of a buffer if something were to happen to any of your children. And it's also there's also an additional 5,000 funeral benefit if something ever were to happen at all. And that's all just added to your trauma policy. Any questions so far? No. It's probably a lot with insurances as well. No. Yes. Which is why I wanna make sure you can have your time to go through it. I do wanna mention that there is a lot so at the bottom of page 32, there is a lot of different insurances, a lot of research that goes into choosing the best one for you. So option looked at was talus and that MetLife meals. Also, one part when factoring in price and what the features are. Zero came out the most the best one for you specifically. Now I'll kind of skip over the beneficiaries. We touched on that last time. Obviously, going to your spouse, completely tax free. Children 18, completely tax free as well. So there's just a little bit of information on that. I've also just included some information in regards to a will and power of attorney. I do always recommend that it is good for everyone to have. But, again, it's just information there for you, which then kind of takes us almost at the end, which is just you're showing your ongoing services. That is page 40, which just mean that we are at every 12 months, at a minimum, we'll go through a comprehensive and a review, which is where we reassess everything. So if anything's changed in your life where we might need to make changes with advice, if there's any changes with investments we want to do, at a minimum every 12, we will do that. We can do it more frequently. I have some clients who want them more frequently. Some people are more than happy to just do it once a year on unless something happens to the market, obviously. But that basically shows you all of that. But it also gives you access through, you know, continuous advice. So if there's ever anything that you want help or guidance on or advice in any areas, you can always give us a call. You can call me once a week or once a month. You know, it doesn't change the fee in any way. You always have access to it. Yep. Now the last information is just a little bit of important information. Again, I'll let you have a read over it. I do wanna point out as well that you do have a fourteen day cooling off period. So if you decide that you, you know, wanna go ahead and apply for life insurance and super and everything like that, you change your mind, you do have a fourteen day cooling off period, but there is no lock in contract. There's no lock in contract with us either. So if you decide that you okay. Cool. I wanna give it a go. But then let's say at some point in time, you are not happy with the services or anything like that, there is no lock in contract. You can cancel whenever you want through, and we can then help you roll you back to Zebra or wherever it is that you want to go if you are not happy. Perfect. Now the last thing I do wanna just quickly run through before I let you go today is just the remuneration section, which is page 42. Can you see that? Yeah. Perfect. Now there is an implementation fee if you do decide that you would like to come on board, which is three point 3% of your super balance. Now that is for the implementation of the advice. So it basically pays for everything up until this point. So my time, power planner's time, research, basically keeps the light on in the office. Now that is a one off advice fee that is deducted at the very beginning and never again. So if we do some research and we feel like how to enforce is not the best option and we choose to go elsewhere, no. You don't have to pay advice fee ever again upfront. That's just one stop. Correct. This amount here, which you can see, was included in those projection table we went through earlier where it shows you everything net of fees. So that was all included in there. Now you will also see here Zurich. Sorry. Zurich does pay us a commission for recommending insurances. Now they do 66% of the premium upfront. The next page, you will see 22% of the premium ongoing. That is Zurich paying us, though. It is not you paying us. It is the same for every single insurer out there, so it doesn't play us in any way to recommend one provider over the other. But for compliance purposes, we need to disclose any commissions we receive so you are fully aware. Perfect. Last thing is the ongoing advice fee. So there is an ongoing advice fee. Now, typically, this is 1.65% of your total balance. It is calculated annually, but it is deducted monthly for you. But because, obviously, Leah is the client that has been reduced for you down to one point one. And if it is that you do become a client, we would honor the same discount of rate for her as well. And that essentially yeah. Yes. Mhmm. Correct. Correct. That is exactly right. Yes. Yeah. That is just to show you only pay the super. That's it. Yep. Correct. Yes. So it's 3.3 of your super balance because it is that percentage. So if it is that your super has dropped to that $1.04, then, yes, it will be reduced. Yeah. Good question, though. And, yeah, same for that 1.1. Like I said, just that's the only one you pay. You don't pay the Zurich one there. Yep. Perfect. Correct. Obviously, it is a percentage of your balance. As your balance grow, it will get more. But it's so, obviously, that mutual beneficial that, obviously, there is obviously, from all the the legal side and ethical side of obviously making sure your superannuation grow as much as possible because there is kind of mutual beneficial. The 1.1% stays the same, though. There is no changes to that. Yeah. Perfect. Any other questions in regards to the fee? No? Perfect. And, basically, at the the last couple of pages, they'll let you have a read of your own own time. It just recaps everything. It recaps the process on how to implement everything. Now you can obviously ignore the salary sacrifice if you don't want to do that. That is perfectly fine, and you don't have to remember all these steps. We would do all of that for you. We'll kind of guide you through each and every single step. And as soon as your hub twenty four would be open, we'll give you the forms to give to your employer to change contributions. We would obviously cancel your one pass. We would do all of that for you. This just shows you the the kind of steps, otherwise. We would do that. Yes. Yep. So we'll handle all the paperwork and everything like that. For you, if you ever if anything ever were to happen and you need to make a claim on any insurances, you just call us. You don't ever have to deal with Zurich. You don't have to deal with Hub twenty four. You just call us, and we are kind of that middleman for everything if something ever were to happen as well. Yes. Exactly. Or if or if Leah calls on your behalf. But but yeah. Obviously, I hope that never happens. But, yes, if anything ever happened because, also, it's like we work for you. I don't we don't work for Zurich, and we fight with the insurance company all the time. And our goal is to make sure that if we have an insurance policy in place for you, if something were to happen, you will get the money. So insurance company can be very tricky. A lot of them don't actually deal with clients directly. They only deal with advices for that purposes as well and also for compliance, whereas we obviously know how to deal with it and how to push to make sure that at the end of the day, you and your family will get you know, if something is gonna happen. Yeah. Perfect. Now I know that was a lot of information, so I will let you go. I will let you have a read over it. Like I said, I will get the team to have a look at this software and send you the documents tomorrow. Would you like them to send you a text message when we've sent it just to make sure it does come through? Yeah? Yeah. Yeah. Perfect. If you do have any issues, though, and it doesn't come through, just please let me know, and I'll see if I can send it a different way. It seemed like it was just a today thing because earlier today, I had no problem, and now it showed up as a bit of an error and always like that with IT leave leave. So I'm sure that all be sorted tomorrow. In the appendix, like I said, you will have the the change in showing no salary sacrifice and also those insurance recommendations if you wanna have a bit of a think about what you would like to do as well and seeing those premiums. Otherwise, I will let you have a read over everything, and the team might reach out in a couple of days just to see if you've had a read through it or any questions or what your thoughts are on on everything there for you, Jane. Yep. Perfect. Well, thank you so much for your time and patience this afternoon. I will get you let you go and enjoy the rest of your evening. But, otherwise, I very much look forward to speaking with you soon again. No problem, James. We'll speak soon. 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afternoon. Is this James? Good afternoon. Is this James? Yeah.\n\nThis is Veronica from OQ Financial. How are you? I'm good. Thanks. I had you booked in to go over your strategy recommendation.\n\nIs now still a good time? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Yep.\n\nPerfect. And how's your day been so far? I've been busy? Well, I will try my best not to keep you for too long. There is a fair few things to get through, but I will try to do it as quickly as I can for you.\n\nAnd now, James, do you have access to your emails at the moment? Alright. Perfect. So what I'm going to do is I am going to send you an email with some documents to go through. Now that's just been sent on my end.\n\nSo just let me know if that comes through to you. Okay? Yep. Perfect. Thank you.\n\nSometimes it does take a little bit to come through. And, yeah, sometimes it does end up in the spam folder as well. Alright. Let me see if I can refresh it on my end. Yes.\n\nIt will be from me. You should say, have a run account. Let me see if we're gonna still nothing. Okay. Let me see.\n\nWe've been having a little bit of issues with technology. Let me just see. Okay. Stop. There's still nothing.\n\nYes. Let me triple check that for you. Alright. I'll just try resending as well. It looks like I'm having a little bit of a technical issues with the software.\n\nWhat I can do is I can just email you a copy. That way, you can kind of have a read over it. And then when the system is up and running again tomorrow, hopefully, I can send you all the completed digital signature just so I don't keep you for waiting for too long. Now just bear with me as I tryna get this sent to you. It's always like that with technology.\n\nIt's great when it works, and now it does doesn't work. And it's it's usually like that at the end of the day too when IT and technology have left for the day as well. So just bear with me, and I will trouble check. I have the right email here. It can also be because, yeah, we have just transitioned to a new software.\n\nNow I have email address jmstewart@outlook.com.au. Okay. Perfect. Now let me just see here. So what I will do, there are a lot of attachments supporting documents.\n\nBut just so I don't keep you waiting, I will just send you the main documents to go through today. And then, like I said, I'll get the team through, hopefully, trying to get IT on tomorrow when they are back in and send you the complete email, which has all your supporting documents and everything in there to make it easy. But then at least this way, you can actually see what we are going through today. Sorry. Let me see here.\n\nAlright. I just sent that just from my emails and not through the system. This is a PDF so you can open it. And, hopefully, that comes through. Yeah.\n\nThere we go. Now like I said, this is just a statement of advice for you. Now you will get all the supporting documents, applications, everything digitally, but at least we can kind of go through this for you now. Yeah. Perfect.\n\nAre you able to open that document okay as well? Yeah. Okay. Perfect. So I've put together this strategy for you, James, that I best believe are going to achieve your goals and your objectives.\n\nBut at the end of the day, they are just recommendations. You know, whether you wanna implement some of it or none of it or all of it at the end of the day, it is completely up to you. Now on the cover page here, you will see that this has been prepared and tailored to you specifically. It has been prepared by me. Now you can see my authorized representative number listed there, and I am licensed under Oakview Financial.\n\nPerfect. Now on the next page, you will see the best interest duty and then the document is valid for sixty days. So it does give you a bit of time to obviously have a read over the document, any questions, and stuff like that. You can always just give me a call, and we can kind of go through that when you've had a bit of time to read over everything. Because like I said, there are a fair few things to get through.\n\nOtherwise, the best interest you do have you ever heard of that before? No. So best interest duty effectively. All it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, I can't actually make the recommendation.\n\nAnd if I correct. Yes. So we have to follow that first from the corporation's act, then also we have to follow the code of ethics. And if we breach it, we will lose a license. If I lose my license, I will lose my job, and my husband at home will be too happy with me.\n\nSo, yeah, there are a lot of legislation in place, both the law, but then also the code of ethics that anyone working as a financial adviser has to follow, and that forms part of that best interest duty. Does that all make sense? Yeah. Great. Now on the next page, table of content, pretty self explanatory, just everything that we are going over.\n\nSo just bear with me as we go through this. Perfect. Now you will then have scope of advice. Now, basically, what this means is the areas we are looking at in this statement over time. But it does not mean that there's not other areas we can't look at down the track.\n\nBut simply today, we're looking at your superannuation to cross off on those goals for you. Also, investments within superannuation support you are currently invested in versus what I have recommended. And then also personal risk insurance because we did have that discussion in regards to your life, TCD income protection and the trauma insurance. Yep. Now, also, a little bit about estate planning on the following page, just factoring that in as well, just making sure that if something were to happen to you, it will go through as per your wishes.\n\nNow on the next pages, you will see scope of advice not considered. Now this is the areas, like I said, that we can definitely explore in more detail as we go. Sometimes it's easy to kind of get their foundation and everything sorted and then kind of build on everything. So that would be, for example, debt reduction. So if you wanna work towards making it quicker to reduce your debt, we can definitely assist with that.\n\nIf you need to save up to do more travel or anything like that, we can also have a look at that. And then also kind of down the track as well, if it is that we wanna explore the potential of the self fund super fund in a bit more detail, once kind of your super balance has grown a little bit, again, it's something that we can consider and work towards. Yep. Perfect. Now you'll then have a section talking about limited advice.\n\nCan you see where I'm up to so far? Yes. So that is page seven. So this one here basically just shows you and tells you as well that I'm not a legal practitioner. I can't give you any legal advice.\n\nI can give you guidance on how to structure your beneficiary nominations from a tax and estate planning point of view, but can't give you any legal advice. Same goes that I can't prepare your tax statement. We can obviously do tax financial advice, but I can't prepare your tax statement. I'd have to refer it onto an accountant for that. Yep.\n\nNow underneath that, you will see a little table outlining the different strategies today. Now I will go through these in more detail as we go through them. Any questions so far? Nope. Perfect.\n\nNow the next two pages is just some little bit of information about you. If you can just have a quick read over that for me just to make sure that's all up to date or if we need to make any changes in the packet. Yep. Perfect. Which then takes us to your current superannuation and your insurances.\n\nSo at the moment, you have your super with C Bus. You do have about a $144,356, and you do also have some insurances with one part paid from within. So you have your life, which you can see here, just over 1.5 mil, and then TPD insurance of 826,685. Now the total premium for those two is 2,142 and 86¢. Now the next three pages, I will let you kind of read over in your own time, but it does explain that risk profile in a bit more detail.\n\nSo do you remember last time kind of going through that questionnaire about how you sell about market fluctuations and volatility and risks in superannuation? Yeah. Perfect. So you came out as a growth investor, but we kind of agreed that a high growth portfolio is going to be the most appropriate for you at the moment. You do have plenty of time until retirement, and your goal is to try to maximize that growth as much as possible.\n\nAnd it's only really that 10% difference. So what that looks like in terms of the asset allocation is that ninety ten split where you have 90% to your growth investment and 10 to defensive. Does that kind of ring a bell? Yeah. Perfect.\n\nWhich then takes us through the actual recommendation, which is page 14. So this is the the first recommendation. Now to make it a little bit easier, I'll get you to scroll down first to page 18 for me, And you will see a fee comparison table. 18. Yeah.\n\nYou can see that table? Yeah. Perfect. So sometimes this makes it a little bit easier, and this is essentially where kind of all the compliance and legislation, everything comes down to effectively. I'm showing you the putting you in a better position.\n\nSo this essentially summarizes all the advice and all the strategies together. So if we look at first your current superannuation, so I had a look at, obviously, your current C bus, what you are invested in within C bus, as well as what you are paying for in fees. And then what I have recommended, which is going to be a little bit better for you moving forward. Now at the moment, in your C Bass account, you are paying a total of about $1,250 per year in administration fees as well as investment costs. Now over the last five years, the portfolio that you are currently investing within CEVA has performed at an average rate of return of about 9.03%.\n\nNow what we have done on the next page is just forecasting that for five and ten years to show you. So if you scroll down one page, you can then kind of see the projected outcome for five and ten years with Zebra's and your one path insurance. Does that make sense? Yeah. Perfect.\n\nSo if you wanna scroll up for me through that same table. So I had a look around for other options both within Cbus and then outside of it as well. And once I kind of waited up what was going to be the best option for you specifically, it was a more sophisticated platform called Hub twenty four. Now have you ever heard of Hub twenty four before? Okay.\n\nYeah. Now, basically, just a little bit of background information for you. Hub twenty four, they have been around since about 2007. They are also directly listed on the Australian Stock Exchange with just under a 100,000,000,000 for dollars of funds under management. So essentially a massive conglomerate.\n\nThey are one of the quickest growing superannuation kind of platforms out there, and it does offer a lot of benefits and features that some of their competitors doesn't do. Now one of those things is something that is called aggregate trading. Now, basically, what that means is that we can make trades on investment or with one broker fee rather than paying, you know, $10.20 dollars for each investment trade that we do make. Does that make sense? Perfect.\n\nBut, essentially, though, hub twenty four, just another super fund. You know, there is hundreds of them out there. And keep in mind, James, that all super funds are pretty much the same thing. They are basically just administration services that hold your money at the end of the day until you can access it. Now what really matters is what you can actually invest your money into within the fund itself.\n\nSo, you know, it's not CBA or Australian Super or Australian Retirement Trust or Hub twenty four that kind of gets those returns and make your money grow. It is the actual investment option within the fund itself that gets those returns for you. Does that make sense? Yeah. Perfect.\n\nNow I'm not sure if you kind of had a play around with the investment choices in, but they are quite limited in how many options you can actually choose from. Now yeah. Which is just one one of the option, like, a that's a model portfolio that you've kind of chosen within or default within Cbus, and you don't actually know what's the underlying investment. You just basically know that you're in the high growth model portfolio. But if you were to kinda change it to something else, you would see that there wouldn't be too many options to choose from if you wanted to change it.\n\nBut the good thing with Hub twenty four is that there's hundreds and hundreds of different investment options to choose from all the way down through direct shares, which is how we can kind of build and recommended portfolio within Hub twenty four using the same five year rolling average has been 13.56, which is that 4.53% better than your current portfolio, which, as you can probably imagine, does make a big difference when we are then compounding that forward. Now I do wanna mention as well that Hub twenty four as a platform is a little bit more expensive as you can see here than see that. Now admin fees is a little bit more no. That's page page 18. Oh, yeah.\n\nNow as you have a look here, so overall, the the fee is a little bit higher than you see about the account, but you are getting a lot more value for money. Now for example, if you look at the difference, you see admin fees. Hub twenty four, the platform is more expensive. But then when you look at the investment fees, the portfolio we have recommended is actually quite a bit cheaper than what you're currently invested in. And then you can also see, like, other fees associated with the account is a little bit cheaper than SEVA.\n\nBut overall, when you factor in, advice fee, it is a little bit more expensive. Yep. Perfect. Now, again, all of this also includes, you know, salary sacrifice, new insurances, and every advice fee. It shows everything.\n\nThat factoring in all of that, it still puts you in that better position, which is on the next page again, projecting five and ten years forward. Correct. So you can see the difference. And in the appendix as well, I have included another table not showing the increase in salary sacrifice to show you exactly like for like with the contribution and still showing you that it puts you in a lot better position. So that will be in the appendix.\n\nThat's the one you will get tomorrow when the software is up and running. It will be an attachment. Yeah. So that will show you the the difference as well. So not showing salary sacrifice on both sides so that you can see that.\n\nYes. Definitely. Obviously, doing contributions will impact it and will compound, but we're kind of starting with smaller amounts on salary sacrifice as well. So even without it, it still puts you in a lot better position, which is why we have included that in the appendix to show you that outcome for you as well. Yeah.\n\nYes. Yeah. And you definitely don't have to. And it's one of those things as well where clients sometimes stops and starts just depending on exactly what is going on in their life. And if it is that you are happy with the recommendation, but you go, you know what?\n\nI don't wanna do salary sacrifice. We do not have to at all. There is a section when you get the digital copy tomorrow as well or when you have a read through, there is a section where it actually says alteration to the advice. So I have made a couple of different options for your insurances because we did speak about that as well as the salary sacrifice. So if you go, a, I don't want salary sacrifice right now, just note that down, and then we can definitely note that that we're not looking at doing that.\n\nMaybe something down the track, not really right now. And that is perfectly fine. But that will kind of make sense when you see that. Mhmm. Mhmm.\n\nYes. Yes. And it we are seeing that overall in the market as well. Now the tricky thing with your CBAS investments, which will come through a little bit sooner as well, is because you just invested in the model portfolio, you basically have a fund manager within CBAS choosing what goes in and out of the investment portfolio, but you actually don't see what those underlying investments are. So you don't know which industries or which sectors or how they are invested, which sometimes can cause a little bit of issues if you don't have that transparency or you don't know what it is.\n\nIt gives them the flexibility of chopping and changing, but sometimes it can be a little bit tricky. But overall, the last, you know, twelve months, we have seen a bit of fluctuations in the market with everything going on first in, like, The US with Trump and tariffs and everything and then with the war and stuff like that. So it's also important to factor in diversification within your investments as well. But does that make sense so far, James? Yeah.\n\nPerfect. But most definitely, when this document was prepared, obviously, your balance was at a 144. If it's down to a 140 now, if you said it dropped, yeah, by about that, it doesn't change the advice because it still obviously factors in the fees and the returns. And, really, the more you have, the the bigger difference is going to compound and put you in that better position. But I'll make sure, obviously, as well that when we in the appendix, like I said, I will show you no salary sacrifice so that you can see that.\n\nAnd I'll make a little note here as well. When we do you know, if if you are happy to come on board and we do the application, it sometimes does change, you know, day to day even with the amount, then that's perfectly fine. If it's a a really big drop between it, just let me know because then I might wanna just rerun the numbers if it's, like, a big drop just to redig that for you. Yeah. Yeah.\n\nAnd, also, you are in a in a high growth, but, again, because we don't know what's in CEVA, so it can be, you know, different private equity. It can be high risk investment. It can be low risk. We just don't know because, obviously, CEVA just has that information, which I will actually go through go through then the portfolio that I have recommended and how that's different and how you can actually see and research every single option that's there. And it's all all there to give you that full transparency.\n\nBut, yes, we are seeing a bit of those fluctuations recently, unfortunately, with everything going on. The good thing with overseas superannuation is a long term investment, but still, obviously, when it does fluctuate, it is a little bit disheartening because you work hard for the money, and you don't wanna lose it. Exactly. And and, typically, as well in, like, a high growth portfolio, we kind of say that the likelihood of a negative return is about one in five years. So in, like, a five year five year period is expected that one of those years might be negative as long as overall as a as a whole, it's obviously moving forward and growing, which is just kind of the nature of it that it is kind of, you know, long term, and then you add everything up.\n\nYep. Perfect. Now do you have any other questions on this page otherwise? No. Great.\n\nPerfect. Now while we are here, if you then wanna scroll to the following page, just showing that five and ten year projection again. Underneath that, you can then also see the investment returns outlined a bit more for you. So you can have your twelve months, three years, and five years to show you a bit more information. Yep.\n\nPerfect. So if you then wanna scroll up for me, James, just back up to page 14. Oh, no. That's okay. Again, technology.\n\nYou're like, no. Just give the pack. Can you see that okay? Yes. So you can see here that, basically, this puts everything in query words, what I kind of just explained.\n\nSo I'll let you have a read over that in your own time because it is a lot of information to take in. But it basically shows you kind of that best interest duty again of why the recommendation does align with your goals and your objectives and puts you in a better position. Kind of puts all of that in in there for you. You can actually see here that from the research, the investments I mentioned earlier, offers 16 investment choices, whereas Hub has 1,178 choices. So with Hub, it also gives us that flexibility that if it is a investment because it's not a set and forget strategy ever because you never know what's going to happen in the market.\n\nNo one could predict COVID or what's going to happen. So the good thing with hub twenty four is because it gives us access to so many different investments, we can chop and change things based on what's going on. So it gives us that kind of flexibility. Now if you then wanna scroll down a little bit for me, on page 15, it does outline that, typically, the way that I like to do it is to do a partial rollover first, retaining 10,000 in Cbus temporarily. The only reason we would do that is until your new insurance policy is enforced.\n\nAs soon as that is enforced, we will then close down, and transfer that remaining 10,000. And that is just because at no point in time do I want to leave you uninsured if something were to happen to you in the process of applying for new insurance. Does that make sense? Yeah. Perfect.\n\nNow, again, on the next couple of pages, it's quite wordy. So, again, I'll let you have a read over it, but it does kind of break down the advantages in regards to the recommendation, some disadvantages as well, which one of the disadvantages that it is. So a little bit more expensive, some risks to be mindful of as well, which is that there's always a level of risk associated with any investment option, and you can't guarantee the investment return. But that's also why we use the five year rolling average as a starting point to give us a bit more certainty of what's happened, you know, to the portfolio and the market. Because if we use twelve months, depending on when we would have done it, sometimes it would have made it look like you've won the lottery, Whereas other years, not so great.\n\nSo that's why we do like to use that five year rolling average. Perfect. Now alternatives considered, you can see that I did consider staying in C bus for you, changing some of the investments. But because of the limitations, that's available in C Bus, I just couldn't achieve the same outcome, in C Bus. And the other good thing with hub twenty four is that they offer something that's called family linking.\n\nSo if that's ever a situation where a family have, you know, superannuation funds in the same platform, you can actually link accounts, which means that you get a discounted administration fee the more your balance grow because accounts suit the balances, like, as if it's one account even though it's two separate. So it is a kind of another good thing with hub 24 that it is another feature that you can have. Yep. Perfect. Oh, yeah.\n\n17. At the bottom? Yes. So there is a lot more research. No.\n\nThat's okay. Just just interrupt me because I know there's a lot to get through. Now there is a lot more options that we did consider, but this just shows you some some of them, and the most competitive competitor was MyNorth. We also looked at, you know, Netwealth, Macquarie. There are other options.\n\nMyNorth was the most competitive in terms of fees and investment choices, but they don't offer the aggregate trading, which does reduce the fee in Hub twenty four and didn't have quite as many investment choices as hub twenty four. So, therefore, I didn't recommend my law. And I do use hub twenty four for my personal superannuation as well. And if I didn't think it was good, I wouldn't use them. I definitely wouldn't recommend it to you.\n\nBut it's not to say that it's always potentially going to be the best option, James, because there's always new products and features continuously coming out. There is absolutely nothing tying us to hub twenty four. So if there is another one that comes out that is, you know, cheaper with just as much investment options, like I said, there is nothing, you know, preventing us from swapping Superfunds if it's going to be the better option for you. Yep. Perfect.\n\nNow if you can then scroll down to the investments for me, which is page 20. Yes. So you see a little table there? Perfect. So this kind of outlines your current investments.\n\nSo like you said as well, you are in a high growth portfolio, and a 100% of your money is in this portfolio. I kind of already touched that that is a managed fund option. Now do you know the different options between, like, a direct share or an ETF and a managed fund? Have you ever heard of that before? Self made super funds a little bit little bit differently.\n\nBut, essentially, with no. That's fine. And most people haven't because it is obviously, like, a foreign thing. Now for simplicity, to give you kind of a a rough idea of the different investment options, now this is all available in Hub twenty four as well, which is great, is that you can have direct share. So that is the most simple way.\n\nLet's say you wanna invest in BHP. Directly in BHP, you can invest in the company itself, just in BHP. Now that is a direct share because you invest directly in one particular company. You can then have an ETF, which is an exchange traded fund, which is a lot of the investment that I have selected for you. Now these are a little bit differently in let let's say you want to invest in the oil industry as a whole, but not just in DHP to give you a bit more diversification.\n\nYou can then invest in an ETF, which kind of tracks different index and metrics depending on which one we choose. And it is a really good low cost option because you're kind of tracking an index, but then also it's very diversified because you don't invest in just one single option within the investment. And then you have managed fund, which is how your c bus is set up where you do have that portfolio manager kind of buying and selling different things depending on what is going on in the market, which sometimes works out well and sometimes it doesn't outperform. Yep. So underneath that, you can then see the investment portfolio that we have put together for you.\n\nNow this gives you kind of all the transparency in the world because you know exactly what those investments are doing. If there's ever a situation where you don't, if you are very particular with not liking a particular investment or industry, we can always chop and change it, because Hub twenty four does have that 1,178 different options to choose from. And it's not a set and forget thing. So, again, things in markets can always change and evolve, and it is important to keep reviewing these just to make sure if there is one that's underperforming, we might wanna swap it out for something else depending on what is going on in the world as well. But, essentially, how we put together the portfolio there for you is that we put together it using a core satellite approach to investing, which essentially means that we are investing majority of the funds in what we would call your core, and they kind of represent, like, the backbone of the portfolio.\n\nAnd these are more those passive index funds that have done really well in the past, and we believe will continue to do so in the future. So these are kind of your biggest shareholding. So you will see here at 35%, the iShares S and P 500. Have you ever heard of that one before? No?\n\nEssentially, that one invests in the biggest 500 companies listed in The US. So you will have companies like Apple or Microsoft and Amazon, all the kind of big companies you would see and use every day. You then have 25% in the beta shares Australia 200. Again, we don't wanna put too much into one industry. We don't wanna put everything into the The US, but we wanna diversify things for you.\n\nSo that 25% is in Australian investment. So that one invests in the two 100 largest companies listed on the ASX. So you will have companies like Commonwealth, BHP, CSL, Woolworths, for example. Again, all the kind of big companies in that portfolio. Now the rest of the investments you will see have a little bit of a smaller holding, and these would be what we would call your satellite investments because they can be a little bit more volatile.\n\nThey can fluctuate a little bit more. They're a bit more specialized. That's why they do have a smaller portion allocated. But because the goal is we do wanna maximize that growth for you and diversify things for you, we wanna obviously find the niches and the opportunities to grow that for you while still not having too much allocated through them. So, for example, you'll see 6% to beta shift cybersecurity.\n\nObviously, AI technology is not going anywhere anytime soon. You have a 9% in Europe. Again, trying to diversify everything for you around the globe. 5% in Japan, and then 8% across the globe. But that one excludes The US because you already have that exposure to the ICS S and P 500.\n\nBecause we don't wanna put too much into one area as well. Yeah. No. No. Not annoying at all, James.\n\nPage 20. And I got lost somewhere. And you were like, I can't see. What are you talking about? No.\n\nJust page 20 and the weighted column. And, basically, the bottom through there, the seven and five, are your more defensive. So I was telling them the fluctuations a little bit. So you have seven percent in gold and a 5% in fixed interest for you. Does that kind of make sense?\n\nI know it's probably a lot to take in. Yep. Perfect. Yep. Now in the appendix as well, so when you do get that tomorrow, if it is something you do wanna read up on a bit more, in the appendix, I've included investment link to each and every one of these investments.\n\nSo it is public. So if you do wanna go and have a read over them, you are more than welcome through. That will all be in the appendix when you receive that tomorrow as well. Yeah. Perfect.\n\nNow next up is just showing you the asset allocation. It is the pie chart. Can you see that? Yeah. And you're like, what are these numbers?\n\nYeah. Look. I'm seeing numbers just not the percentages. Now this one here shows your risk profile at high growth, your existing portfolio, and then the proposed. So both very much aligned with your risk profile.\n\nThe proposed has a little bit more in growth and defensive, but still kind of both align with your risk profile as well. So that will be your defensive investment. So you will see fixed interest. It can be different alternative investments and cash, for example. So these are the ones who kind of limit fluctuations a bit more kind of slow and steady investments.\n\nAnd, typically, the older you get, you might wanna start switching these. So the older you get, the closer you get to retirement. Most people want a bit more higher and higher in defensive because these are the slow and steady. And if you wanna retire in, let's say, two, three years, you might not wanna be in a high growth. Because if that's the year you wanna retire and it's down, you you know what I mean?\n\nSo gradually, you wanna then start increasing it. But because you have plenty of time on the retirement, you do have obviously time through b mainly in that high growth, but just a tiny bit of that defensive for you. Yep. Perfect. Now I'll go through the next strategy a bit quicker for you if it is something you're not really thinking about right now anyway, but I have included that for you, which is showing you the salary sacrifice that is page 22.\n\nCan you see that? Yes. So this just show you what $20 per week in salary sacrifice will do. So you can see your current position and the proposed position. Now it might look a little bit messy with all the numbers.\n\nEssentially, to summarize it for you, if you do $20 per week in salary sacrifice, After tax in twelve months, it will mean that in in pocket, you will receive about $707 less in a year's time after tax. And you can see that taxable income. That's also how you save a little bit because it comes pretax. The difference then underneath that is then extra going into super. So by doing $20 per week into super, you still get taxed in super, but concessionally at 15% instead of your marginal tax rate at 30.\n\nIt will mean that you will put $884 extra into super. And when you fact factor in kind of the difference between contributions and income, it's a net of about a 177 just kind of intact that you've saved. Yeah. Does that make sense? Perfect.\n\nBut, again, it's just to show you, and it's perfectly fine if you don't want to do this at this point. That is no stress. It's always something we can reevaluate when, you know, cash flow and stuff a little bit better or if you just have different priorities. That's perfectly fine. So I'll kind of skip this and let you have a reader because, again, he outlines advantages and disadvantages and risks in regards to it, but I'll let you have a read over that in your own time.\n\nNow do you have any other questions so far before I move on to your insurance recommendation? No? Okay. Perfect. Now with the insurance and, again, I have included different options for you in the appendix because I know when we spoke last time, you said it kind of depends on the price for you.\n\nYou want as much as possible to give you and this family that protection if something were to happen. But, obviously, without knowing the price, it could impact things. So I'll run through because I have the the figures in front of me. Again, it might make more sense when you see the alternative, and the option is ultimately completely up to you which which ones you feel the most comfortable with. Now I did have a look at your one path insurance as well, and looked at just keeping that and alterating it through increasing the TPD up to life a little bit.\n\nBut your one pass insurance, even though it has the same underwriter as Zurich, which is the one I have recommended, it was a bit more expensive and not as comprehensive. So I have recommended that we cancel one pass and apply with Zurich instead. It is very similar, though, in the process. They're both very comprehensive options. They're both underwritten, which is what makes the cover so good that, you know, because you are kind of locking into a contract with them when you apply for the cover, that means that anything after that point in time, you are covered.\n\nSo if you change your occupation and you become an underground minor or you take up a super risky occupation, you are still covered. Or if anything were to happen to you health wise, you are still covered, which is what makes it so competitive. Does that make sense? Yep. Perfect.\n\nSo what I have recommended here on this page is the most amount of cover. So it's a million dollars worth of life and total permanent disability insurance. Now the way that I have them structured to reduce the premium is to having them linked. Basically, what that means is that whichever event happens first is what you will be paid on. So let's say claim TPD, something were to happen, you get paid a million dollars, it cancels your life policy.\n\nBut I just added in a buyback option, which after twelve months reinstates your life. So if something were to happen after twelve months, it's then reinstated. And it just makes it so much cheaper for you than having them completely stand alone. It actually makes it cheaper than if you said to me, I only want TPD, which is kinda funny, but it just the insurance has multi policy discount, which does make it a bit cheaper. Now income protection, I have also added for you, and that is 70% of your income on a monthly basis, which will pay you a monthly amount of 7,292.\n\nI have added a, s three contribution feature. Again, it's not something you have to have, but it is quite good, which means that even if something were to happen to you and you are not working and you are getting income protection, you are still getting contributions into your super of about that 1,250 from the insurer, which is really good. Superannuation guarantee contribution. It means your employer contribution. So, basically, it means that 1,250 per month will be paid in correct.\n\nSo even though you're not getting any form and your employer is not paying for it, the insurance will will put that in while you are on claim. Yeah. That's that's a very good question. Now with insurance, income protection that used to be two definitions back in the days, and now only new and policies have indemnity style. You used to have an agreed definition and indemnity style.\n\nIndemnity style means that that is the income at the time of claim. So it is important to keep reviewing them, especially as your income change. So for example, if your income at the time of something were to happen to you is 80,000, even though you are covered for more, you are only gonna get paid for 70 percent of 80,000 because that is your income at the time of the claim. On the other side, though, that if you are your income is, let's say, 300,000, because you are only insured for up to 7,292, even though your income might be more, you are only going to get 70% of what you are insured for. So that is why it is important to review them.\n\nNow the good thing with Zurich is that every twelve months within thirty day of the anniversary period now you don't have to remember this, but you can do an increase with up to 15% of income without having to go through underwriting, which is really good. Because otherwise, every time you increase the cover, the insurers are like, woah. You we are taking on more risk, so you have to go through the underwriting process again. And the old definitions of agreed value was that it was agreed upon at the time of the policy. So the benefit of that was, like, if your income when you took out the policy was 300,000, even if your income at the time of claim was 20,000, you would get 70% of 300,000.\n\nBut as you can probably imagine, a lot of people were sometimes better off on income protection claim than you were working. Sorry. The insurance paid a lot of money, so they changed that. So new policies, you can't get that anymore. So that is a good question.\n\nNow I have looked at the waiting period of thirty days. Now we did look at as short as possible for you as well. Obviously, finances, a lot of people can't survive very long without an income. Zurich and OnePath are the only providers where you only have to wait fifteen days after waiting period before you get paid. All the other providers is thirty days.\n\nSo that would mean that you would wait thirty days plus fifteen before you get paid, so it's forty five, but all the other providers, you'd wait sixty. So that is that is an added benefit with Zurich. Now I have recommended here to show you the most comprehensive option on your income protection, which shows you of having the income protection all the way up to the age of 65. So that is if something were to happen, you can get paid all the way up to the age of 65 if you can't work. So this is the most comprehensive option, also the most So all those three, you can see here that the total premium is 3,364.\n\nNow just for reference, your life and TPD alone at the moment with one pass is 2,521, and that doesn't include income protection, which is the most expensive. Now no. Now in the appendix, which, again, you will see tomorrow, I have included an alternative income protection configuration. So life's the same, TPD the same, income per section exactly the same, but the benefit period instead of being all the way to the age of 65 is showing you five years. So a little bit less to still show you that, and the premium for that is 1,853.\n\nSo it does make a bit of a difference in price, but it also means you're only covered for five years instead of all the way up to the age of 65. Yep. Now the good thing with the insurance as well, I always say that if it is affordable, it's always better to start higher because it's super easy to decrease it. If, for example, you say, you know, I'm happy to start with age 65, but the older you get, the more expensive they're gonna become. So in a couple of years, if you were to say, do you know what?\n\nI feel like it's getting more expensive. Let's reduce it to five years. It's a quick form. The insurers are happy to take take more take on more risk less risk. But if you say the opposite, let's say you start with five years, and then in a couple of years, you go, oh, do you know what?\n\nI wanna increase it to age 65. Because the insurers will take on more risk, they will say, okay. Well, we have to go and assess everything again, your medical, your health, your lifestyle, because they are taking on more risk. And if something's happened to you in that time frame, you know, you might not be able to get covered. Does that make sense, Jim?\n\nYeah. Perfect. But, again, the options are there, so it's completely up to you what you are comfortable with. Now almost at the end for you, which is then showing you page 26, which is your trauma recommendation. Do you remember what the trauma was?\n\nYes. Yes. Yes. No. Very much.\n\nSo it's a lump sum payment that is completely tax free. It's paid through you if you suffer a traumatic event. So that would be your biggest ones, like cancer, stroke, heart attack, different neurological conditions. And you just need to get that the definitions from the doctor, and you will then be paid out a lump sum payment completely tax free. Again, this is just to show you the premium.\n\nSo at the end of the day, you can decide what you would like to do. Now I have done two options for you again because we spoke about that last time. So I've shown you here, again, the most comprehensive, which is 200,000. That is 2 100,000 worth of trauma. Now I have added a secondary life policy.\n\nThe only reason I have that is to reduce the trauma price because, again, that kind of multi policy discount. That is the only reason. Of 200,000. So that would be if you would pass away, that will be an additional 200,000 paid to your family. Yes.\n\nExactly. So it'll be 1.3. Again, the only reason I have done that is to reduce the trauma out of pocket because it's more expensive to do it by itself, which, again, seems weird. It just makes it cheaper. And now I have shown you so this one here will be $32.40 per month for both of those.\n\nI have shown you in the appendix, which, again, you will see tomorrow, of a 100,000. The premium for a 100,000 is $16.64 per month. Does that make sense? Yeah. Perfect.\n\nUnderneath it, you can then see your one path insurance as well that we would obviously look through to change that. Now, again, it shows that best interest due to going back to that again, making sure we always take your best interest at heart and that the advice will align with your goals. So, again, I'll let you have a read over that in your own time because I know I've kept you on the phone for a while. But, essentially, everything we've kind of gone over, it's kind of put in black and white for you. It also on page 28, you'll see a little bit of a table, just of a needs analysis, which is kind of what we discussed last time.\n\nIt's just putting the numbers there. So if something were to happen for life and TPD, paying out all the debts, having a bit for funeral expenses, also, it will be about four years worth of income replacement if something were to happen to you. And that gets us that outcome. That is just outcome. That is just to show you if you were to say, you know what?\n\nI'm happy with Zip, but I don't want insurances, what the outcome will be. But even if you look at, like, say, five years, it's not a great deal difference, but it will mean that if something were to happen, you will have a life activity and income protection to protect you and the family. Yeah. Again, on the next pages, it'll put everything into words. So you'll have advantages in recommendation, disadvantages, also some risks to be mindful of.\n\nOne of the biggest risk is making sure that when we do the insurance application, you answer the questions truthfully. So if something ever were to happen come claim time, that's all correct. Otherwise, disadvantage is if you do want trauma, you'll have to pay a little bit out of pocket. And, obviously, adding income protection overall, even though it is better value for money, it is a little bit more expensive if you do decide to go with the $8.65 benefit option. Now the last thing I do wanna mention with the insurances is at the bottom of page 30.\n\nCan you see page 30? Yep. Now I know as well we spoke a little bit about trauma for children if something were to happen. So on the current trauma, but you were kind of leaning more towards just the added option for for cost purposes. So for both the 100,000 and the 200, I've included this option for you.\n\nAnd that essentially, as you can see that, it means that it will pay a benefit if one of your children between the ages of two and 18 suffer from a specific event. Now in the PDF, it will actually outline what all of those are for you. So a lot of information, but it will give you a bit of a buffer if something were to happen to any of your children. And it's also there's also an additional 5,000 funeral benefit if something ever were to happen at all. And that's all just added to your trauma policy.\n\nAny questions so far? No. It's probably a lot with insurances as well. No. Yes.\n\nWhich is why I wanna make sure you can have your time to go through it. I do wanna mention that there is a lot so at the bottom of page 32, there is a lot of different insurances, a lot of research that goes into choosing the best one for you. So option looked at was talus and that MetLife meals. Also, one part when factoring in price and what the features are. Zero came out the most the best one for you specifically.\n\nNow I'll kind of skip over the beneficiaries. We touched on that last time. Obviously, going to your spouse, completely tax free. Children 18, completely tax free as well. So there's just a little bit of information on that.\n\nI've also just included some information in regards to a will and power of attorney. I do always recommend that it is good for everyone to have. But, again, it's just information there for you, which then kind of takes us almost at the end, which is just you're showing your ongoing services. That is page 40, which just mean that we are at every 12 months, at a minimum, we'll go through a comprehensive and a review, which is where we reassess everything. So if anything's changed in your life where we might need to make changes with advice, if there's any changes with investments we want to do, at a minimum every 12, we will do that.\n\nWe can do it more frequently. I have some clients who want them more frequently. Some people are more than happy to just do it once a year on unless something happens to the market, obviously. But that basically shows you all of that. But it also gives you access through, you know, continuous advice.\n\nSo if there's ever anything that you want help or guidance on or advice in any areas, you can always give us a call. You can call me once a week or once a month. You know, it doesn't change the fee in any way. You always have access to it. Yep.\n\nNow the last information is just a little bit of important information. Again, I'll let you have a read over it. I do wanna point out as well that you do have a fourteen day cooling off period. So if you decide that you, you know, wanna go ahead and apply for life insurance and super and everything like that, you change your mind, you do have a fourteen day cooling off period, but there is no lock in contract. There's no lock in contract with us either.\n\nSo if you decide that you okay. Cool. I wanna give it a go. But then let's say at some point in time, you are not happy with the services or anything like that, there is no lock in contract. You can cancel whenever you want through, and we can then help you roll you back to Zebra or wherever it is that you want to go if you are not happy.\n\nPerfect. Now the last thing I do wanna just quickly run through before I let you go today is just the remuneration section, which is page 42. Can you see that? Yeah. Perfect.\n\nNow there is an implementation fee if you do decide that you would like to come on board, which is three point 3% of your super balance. Now that is for the implementation of the advice. So it basically pays for everything up until this point. So my time, power planner's time, research, basically keeps the light on in the office. Now that is a one off advice fee that is deducted at the very beginning and never again.\n\nSo if we do some research and we feel like how to enforce is not the best option and we choose to go elsewhere, no. You don't have to pay advice fee ever again upfront. That's just one stop. Correct. This amount here, which you can see, was included in those projection table we went through earlier where it shows you everything net of fees.\n\nSo that was all included in there. Now you will also see here Zurich. Sorry. Zurich does pay us a commission for recommending insurances. Now they do 66% of the premium upfront.\n\nThe next page, you will see 22% of the premium ongoing. That is Zurich paying us, though. It is not you paying us. It is the same for every single insurer out there, so it doesn't play us in any way to recommend one provider over the other. But for compliance purposes, we need to disclose any commissions we receive so you are fully aware.\n\nPerfect. Last thing is the ongoing advice fee. So there is an ongoing advice fee. Now, typically, this is 1.65% of your total balance. It is calculated annually, but it is deducted monthly for you.\n\nBut because, obviously, Leah is the client that has been reduced for you down to one point one. And if it is that you do become a client, we would honor the same discount of rate for her as well. And that essentially yeah. Yes. Mhmm.\n\nCorrect. Correct. That is exactly right. Yes. Yeah.\n\nThat is just to show you only pay the super. That's it. Yep. Correct. Yes.\n\nSo it's 3.3 of your super balance because it is that percentage. So if it is that your super has dropped to that $1.04, then, yes, it will be reduced. Yeah. Good question, though. And, yeah, same for that 1.1.\n\nLike I said, just that's the only one you pay. You don't pay the Zurich one there. Yep. Perfect. Correct.\n\nObviously, it is a percentage of your balance. As your balance grow, it will get more. But it's so, obviously, that mutual beneficial that, obviously, there is obviously, from all the the legal side and ethical side of obviously making sure your superannuation grow as much as possible because there is kind of mutual beneficial. The 1.1% stays the same, though. There is no changes to that.\n\nYeah. Perfect. Any other questions in regards to the fee? No? Perfect.\n\nAnd, basically, at the the last couple of pages, they'll let you have a read of your own own time. It just recaps everything. It recaps the process on how to implement everything. Now you can obviously ignore the salary sacrifice if you don't want to do that. That is perfectly fine, and you don't have to remember all these steps.\n\nWe would do all of that for you. We'll kind of guide you through each and every single step. And as soon as your hub twenty four would be open, we'll give you the forms to give to your employer to change contributions. We would obviously cancel your one pass. We would do all of that for you.\n\nThis just shows you the the kind of steps, otherwise. We would do that. Yes. Yep. So we'll handle all the paperwork and everything like that.\n\nFor you, if you ever if anything ever were to happen and you need to make a claim on any insurances, you just call us. You don't ever have to deal with Zurich. You don't have to deal with Hub twenty four. You just call us, and we are kind of that middleman for everything if something ever were to happen as well. Yes.\n\nExactly. Or if or if Leah calls on your behalf. But but yeah. Obviously, I hope that never happens. But, yes, if anything ever happened because, also, it's like we work for you.\n\nI don't we don't work for Zurich, and we fight with the insurance company all the time. And our goal is to make sure that if we have an insurance policy in place for you, if something were to happen, you will get the money. So insurance company can be very tricky. A lot of them don't actually deal with clients directly. They only deal with advices for that purposes as well and also for compliance, whereas we obviously know how to deal with it and how to push to make sure that at the end of the day, you and your family will get you know, if something is gonna happen.\n\nYeah. Perfect. Now I know that was a lot of information, so I will let you go. I will let you have a read over it. Like I said, I will get the team to have a look at this software and send you the documents tomorrow.\n\nWould you like them to send you a text message when we've sent it just to make sure it does come through? Yeah? Yeah. Yeah. Perfect.\n\nIf you do have any issues, though, and it doesn't come through, just please let me know, and I'll see if I can send it a different way. It seemed like it was just a today thing because earlier today, I had no problem, and now it showed up as a bit of an error and always like that with IT leave leave. So I'm sure that all be sorted tomorrow. In the appendix, like I said, you will have the the change in showing no salary sacrifice and also those insurance recommendations if you wanna have a bit of a think about what you would like to do as well and seeing those premiums. Otherwise, I will let you have a read over everything, and the team might reach out in a couple of days just to see if you've had a read through it or any questions or what your thoughts are on on everything there for you, Jane.\n\nYep. Perfect. Well, thank you so much for your time and patience this afternoon. I will get you let you go and enjoy the rest of your evening. But, otherwise, I very much look forward to speaking with you soon again.\n\nNo problem, James. We'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.72,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.17829183489084244},{"text":"Is this James?","start":3.4399998,"end":4.26,"sentiment":"neutral","sentiment_score":0.07456008344888687},{"text":"Good afternoon.","start":7.04,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.12804143503308296},{"text":"Is this James?","start":7.7599998,"end":8.66,"sentiment":"neutral","sentiment_score":0.0385430653889974},{"text":"Yeah.","start":10.08,"end":10.559999,"sentiment":"neutral","sentiment_score":0.11140131950378418}],"sentiment":"neutral","sentiment_score":0.09667066416957161,"num_words":11,"start":2.72,"end":10.559999},{"sentences":[{"text":"This is Veronica from OQ Financial.","start":10.559999,"end":12.66,"sentiment":"neutral","sentiment_score":0.1760654573639234},{"text":"How are you?","start":12.799999,"end":13.7,"sentiment":"neutral","sentiment_score":0.1541355550289154},{"text":"I'm good.","start":15.675,"end":16.395,"sentiment":"positive","sentiment_score":0.61240154504776},{"text":"Thanks.","start":16.395,"end":16.895,"sentiment":"positive","sentiment_score":0.6165051460266113},{"text":"I had you booked in to go over your strategy recommendation.","start":17.994999,"end":20.895,"sentiment":"positive","sentiment_score":0.37887654250318353}],"sentiment":"neutral","sentiment_score":0.3272934614316277,"num_words":23,"start":10.559999,"end":20.895},{"sentences":[{"text":"Is now still a good time?","start":21.035,"end":22.335,"sentiment":"neutral","sentiment_score":0.25808146099249524},{"text":"Yep.","start":23.994999,"end":24.494999,"sentiment":"neutral","sentiment_score":0.129046693444252},{"text":"Perfect.","start":24.635,"end":25.135,"sentiment":"neutral","sentiment_score":0.3288837671279907},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay?","start":26.65,"end":34.19,"sentiment":"neutral","sentiment_score":0.04183482931091868},{"text":"Yep.","start":35.53,"end":36.03,"sentiment":"neutral","sentiment_score":0.08566503971815109}],"sentiment":"neutral","sentiment_score":0.08698142937531597,"num_words":38,"start":21.035,"end":36.03},{"sentences":[{"text":"Perfect.","start":36.17,"end":36.67,"sentiment":"neutral","sentiment_score":0.2349958568811417},{"text":"And how's your day been so far?","start":37.29,"end":38.89,"sentiment":"neutral","sentiment_score":0.14174967259168625},{"text":"I've been busy?","start":38.89,"end":39.79,"sentiment":"neutral","sentiment_score":-0.03294186294078827},{"text":"Well, I will try my best not to keep you for too long.","start":44.405003,"end":47.525,"sentiment":"neutral","sentiment_score":-0.06506249967675942},{"text":"There is a fair few things to get through, but I will try to do it as quickly as I can for you.","start":47.525,"end":52.345,"sentiment":"neutral","sentiment_score":0.04470723397705866}],"sentiment":"neutral","sentiment_score":0.02789089067819271,"num_words":47,"start":36.17,"end":52.345},{"sentences":[{"text":"And now, James, do you have access to your emails at the moment?","start":54.190002,"end":57.33,"sentiment":"neutral","sentiment_score":0.013813310589354772},{"text":"Alright.","start":59.230003,"end":59.71,"sentiment":"neutral","sentiment_score":0.1158093437552452},{"text":"Perfect.","start":59.71,"end":60.21,"sentiment":"neutral","sentiment_score":0.22356906533241272},{"text":"So what I'm going to do is I am going to send you an email with some documents to go through.","start":60.350002,"end":73.015,"sentiment":"neutral","sentiment_score":0.12998629893575395},{"text":"Now that's just been sent on my end.","start":73.015,"end":76.955,"sentiment":"neutral","sentiment_score":0.09960915613919497}],"sentiment":"neutral","sentiment_score":0.09194402212531051,"num_words":44,"start":54.190002,"end":76.955},{"sentences":[{"text":"So just let me know if that comes through to you.","start":77.575,"end":79.975,"sentiment":"neutral","sentiment_score":0.08119110492142764},{"text":"Okay?","start":79.975,"end":80.475,"sentiment":"neutral","sentiment_score":0.04181482642889023},{"text":"Yep.","start":84.990005,"end":85.39001,"sentiment":"neutral","sentiment_score":0.0345490425825119},{"text":"Perfect.","start":85.39001,"end":85.87,"sentiment":"neutral","sentiment_score":0.14899687469005585},{"text":"Thank you.","start":85.87,"end":86.61,"sentiment":"neutral","sentiment_score":0.14729362726211548}],"sentiment":"neutral","sentiment_score":0.08831563452258706,"num_words":16,"start":77.575,"end":86.61},{"sentences":[{"text":"Sometimes it does take a little bit to come through.","start":90.590004,"end":94.125,"sentiment":"neutral","sentiment_score":-0.07528751865029334},{"text":"And, yeah, sometimes it does end up in the spam folder as well.","start":94.125,"end":97.345,"sentiment":"neutral","sentiment_score":-0.1636797969157879},{"text":"Alright.","start":111.9,"end":112.4,"sentiment":"neutral","sentiment_score":-0.01859345845878124},{"text":"Let me see if I can refresh it on my end.","start":112.62,"end":116.16,"sentiment":"neutral","sentiment_score":-0.009127147580412302},{"text":"Yes.","start":126.795,"end":127.115005,"sentiment":"neutral","sentiment_score":0.009135084226727486}],"sentiment":"neutral","sentiment_score":-0.08307137622291015,"num_words":36,"start":90.590004,"end":127.115005},{"sentences":[{"text":"It will be from me.","start":127.115005,"end":128.495,"sentiment":"neutral","sentiment_score":0.005250576883554459},{"text":"You should say, have a run account.","start":129.21,"end":131.95,"sentiment":"neutral","sentiment_score":-0.04492204716163022},{"text":"Let me see if we're gonna still nothing.","start":136.33,"end":141.69,"sentiment":"neutral","sentiment_score":-0.08127179136499763},{"text":"Okay.","start":141.69,"end":142.17,"sentiment":"neutral","sentiment_score":-0.05532772094011307},{"text":"Let me see.","start":142.17,"end":143.31,"sentiment":"neutral","sentiment_score":-0.05351567268371582}],"sentiment":"neutral","sentiment_score":-0.04809377148437003,"num_words":24,"start":127.115005,"end":143.31},{"sentences":[{"text":"We've been having a little bit of issues with technology.","start":143.595,"end":149.855,"sentiment":"neutral","sentiment_score":-0.13294156417250633},{"text":"Let me just see.","start":150.795,"end":152.335,"sentiment":"neutral","sentiment_score":-0.027412396389991045},{"text":"Okay.","start":161.45,"end":161.77,"sentiment":"neutral","sentiment_score":-0.030725102871656414},{"text":"Stop.","start":161.77,"end":162.25,"sentiment":"neutral","sentiment_score":-0.05204528570175171},{"text":"There's still nothing.","start":162.25,"end":163.47,"sentiment":"neutral","sentiment_score":-0.0979917546113332}],"sentiment":"neutral","sentiment_score":-0.0955689936680229,"num_words":19,"start":143.595,"end":163.47},{"sentences":[{"text":"Yes.","start":176.585,"end":176.905,"sentiment":"neutral","sentiment_score":0.06381179392337799},{"text":"Let me triple check that for you.","start":176.905,"end":179.325,"sentiment":"neutral","sentiment_score":0.05328253683234964},{"text":"Alright.","start":183.72,"end":184.04,"sentiment":"neutral","sentiment_score":0.11894512176513672},{"text":"I'll just try resending as well.","start":184.04,"end":186.45999,"sentiment":"neutral","sentiment_score":0.0962761789560318},{"text":"It looks like I'm having a little bit of a technical issues with the software.","start":194.135,"end":198.955,"sentiment":"neutral","sentiment_score":-0.10895223120848338}],"sentiment":"neutral","sentiment_score":-0.016696390695869923,"num_words":30,"start":176.585,"end":198.955},{"sentences":[{"text":"What I can do is I can just email you a copy.","start":201.33499,"end":205.035,"sentiment":"neutral","sentiment_score":0.06744948588311672},{"text":"That way, you can kind of have a read over it.","start":206.69,"end":209.41,"sentiment":"positive","sentiment_score":0.347488595680757},{"text":"And then when the system is up and running again tomorrow, hopefully, I can send you all the completed digital signature just so I don't keep you for waiting for too long.","start":209.41,"end":218.55,"sentiment":"neutral","sentiment_score":0.21217816742137074},{"text":"Now just bear with me as I tryna get this sent to you.","start":220.10501,"end":222.985,"sentiment":"neutral","sentiment_score":0.07113830000162125},{"text":"It's always like that with technology.","start":222.985,"end":224.365,"sentiment":"neutral","sentiment_score":-0.06922963696221511}],"sentiment":"neutral","sentiment_score":0.16122824079482942,"num_words":74,"start":201.33499,"end":224.365},{"sentences":[{"text":"It's great when it works, and now it does doesn't work.","start":224.585,"end":228.425,"sentiment":"neutral","sentiment_score":0.2007988193495707},{"text":"And it's it's usually like that at the end of the day too when IT and technology have left for the day as well.","start":228.425,"end":234.365,"sentiment":"neutral","sentiment_score":-0.06352932269995411},{"text":"So just bear with me, and I will trouble check.","start":236.31,"end":238.70999,"sentiment":"neutral","sentiment_score":0.022695154324173926},{"text":"I have the right email here.","start":238.70999,"end":240.25,"sentiment":"neutral","sentiment_score":0.101584958533446},{"text":"It can also be because, yeah, we have just transitioned to a new software.","start":241.59,"end":244.89,"sentiment":"neutral","sentiment_score":0.0177648867746549}],"sentiment":"neutral","sentiment_score":0.02721927657436866,"num_words":65,"start":224.585,"end":244.89},{"sentences":[{"text":"Now I have email address jmstewart@outlook.com.au.","start":246.87,"end":253.735,"sentiment":"neutral","sentiment_score":0.05909054850538572},{"text":"Okay.","start":256.355,"end":256.835,"sentiment":"neutral","sentiment_score":0.2075144648551941},{"text":"Perfect.","start":256.835,"end":257.335,"sentiment":"positive","sentiment_score":0.3434073328971863},{"text":"Now let me just see here.","start":258.995,"end":260.775,"sentiment":"neutral","sentiment_score":0.1518608753879865},{"text":"So what I will do, there are a lot of attachments supporting documents.","start":269.32,"end":272.94,"sentiment":"neutral","sentiment_score":0.0598701648414135}],"sentiment":"neutral","sentiment_score":0.09610898089077738,"num_words":27,"start":246.87,"end":272.94},{"sentences":[{"text":"But just so I don't keep you waiting, I will just send you the main documents to go through today.","start":273.735,"end":278.79498,"sentiment":"neutral","sentiment_score":0.09006032031029462},{"text":"And then, like I said, I'll get the team through, hopefully, trying to get IT on tomorrow when they are back in and send you the complete email, which has all your supporting documents and everything in there to make it easy.","start":279.735,"end":294.87,"sentiment":"neutral","sentiment_score":0.17249200510836782},{"text":"But then at least this way, you can actually see what we are going through today.","start":294.87,"end":299.29,"sentiment":"neutral","sentiment_score":0.16803581360727549},{"text":"Sorry.","start":300.79,"end":301.19,"sentiment":"neutral","sentiment_score":-0.036269936710596085},{"text":"Let me see here.","start":301.19,"end":302.49,"sentiment":"neutral","sentiment_score":-0.010527830105274916}],"sentiment":"neutral","sentiment_score":0.14043448652219342,"num_words":83,"start":273.735,"end":302.49},{"sentences":[{"text":"Alright.","start":323.77,"end":324.17,"sentiment":"neutral","sentiment_score":0.04593069851398468},{"text":"I just sent that just from my emails and not through the system.","start":324.17,"end":327.95,"sentiment":"neutral","sentiment_score":0.00939350059399238},{"text":"This is a PDF so you can open it.","start":328.57,"end":330.945,"sentiment":"neutral","sentiment_score":0.03779835605786906},{"text":"And, hopefully, that comes through.","start":331.98502,"end":334.405,"sentiment":"neutral","sentiment_score":0.06196119859814644},{"text":"Yeah.","start":356.495,"end":356.995,"sentiment":"neutral","sentiment_score":0.07029165327548981}],"sentiment":"neutral","sentiment_score":0.030632036449066525,"num_words":29,"start":323.77,"end":356.995},{"sentences":[{"text":"There we go.","start":357.055,"end":358.195,"sentiment":"neutral","sentiment_score":0.07466034218668938},{"text":"Now like I said, this is just a statement of advice for you.","start":361.215,"end":364.255,"sentiment":"neutral","sentiment_score":0.0847551659322702},{"text":"Now you will get all the supporting documents, applications, everything digitally, but at least we can kind of go through this for you now.","start":364.255,"end":372.04,"sentiment":"neutral","sentiment_score":0.13093460475405058},{"text":"Yeah.","start":373.46,"end":373.78,"sentiment":"neutral","sentiment_score":0.2939322590827942},{"text":"Perfect.","start":373.78,"end":374.28,"sentiment":"neutral","sentiment_score":0.30544835329055786}],"sentiment":"neutral","sentiment_score":0.12065736452738444,"num_words":42,"start":357.055,"end":374.28},{"sentences":[{"text":"Are you able to open that document okay as well?","start":375.13998,"end":378.04,"sentiment":"neutral","sentiment_score":0.05268686264753342},{"text":"Yeah.","start":379.3,"end":379.7,"sentiment":"neutral","sentiment_score":0.1896217465400696},{"text":"Okay.","start":379.7,"end":380.2,"sentiment":"positive","sentiment_score":0.3869558870792389},{"text":"Perfect.","start":380.26,"end":380.76,"sentiment":"positive","sentiment_score":0.7569293975830078},{"text":"So I've put together this strategy for you, James, that I best believe are going to achieve your goals and your objectives.","start":381.86,"end":389.275,"sentiment":"positive","sentiment_score":0.7124719213355671}],"sentiment":"positive","sentiment_score":0.5009930836302894,"num_words":35,"start":375.13998,"end":389.275},{"sentences":[{"text":"But at the end of the day, they are just recommendations.","start":389.815,"end":392.715,"sentiment":"positive","sentiment_score":0.351531519131227},{"text":"You know, whether you wanna implement some of it or none of it or all of it at the end of the day, it is completely up to you.","start":393.255,"end":399.77,"sentiment":"positive","sentiment_score":0.3756076107765066},{"text":"Now on the cover page here, you will see that this has been prepared and tailored to you specifically.","start":401.66998,"end":406.88998,"sentiment":"neutral","sentiment_score":0.16145711274523483},{"text":"It has been prepared by me.","start":408.15,"end":409.99,"sentiment":"neutral","sentiment_score":0.09208030502001445},{"text":"Now you can see my authorized representative number listed there, and I am licensed under Oakview Financial.","start":409.99,"end":416.635,"sentiment":"neutral","sentiment_score":0.0800320953130722}],"sentiment":"neutral","sentiment_score":0.24073390262882885,"num_words":82,"start":389.815,"end":416.635},{"sentences":[{"text":"Perfect.","start":419.095,"end":419.495,"sentiment":"positive","sentiment_score":0.515228807926178},{"text":"Now on the next page, you will see the best interest duty and then the document is valid for sixty days.","start":419.495,"end":428.56,"sentiment":"neutral","sentiment_score":0.18640127849011195},{"text":"So it does give you a bit of time to obviously have a read over the document, any questions, and stuff like that.","start":428.7,"end":434.54,"sentiment":"neutral","sentiment_score":0.18886124375073807},{"text":"You can always just give me a call, and we can kind of go through that when you've had a bit of time to read over everything.","start":434.54,"end":439.385,"sentiment":"neutral","sentiment_score":0.1571737966603703},{"text":"Because like I said, there are a fair few things to get through.","start":439.385,"end":442.20502,"sentiment":"neutral","sentiment_score":0.08230978479752174}],"sentiment":"neutral","sentiment_score":0.16573157617274453,"num_words":85,"start":419.095,"end":442.20502},{"sentences":[{"text":"Otherwise, the best interest you do have you ever heard of that before?","start":444.185,"end":447.08502,"sentiment":"neutral","sentiment_score":0.01416584075643466},{"text":"No.","start":449.96,"end":450.36,"sentiment":"neutral","sentiment_score":-0.24954842031002045},{"text":"So best interest duty effectively.","start":450.36,"end":452.06,"sentiment":"neutral","sentiment_score":-0.07836848646402358},{"text":"All it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice.","start":452.19998,"end":461.74,"sentiment":"neutral","sentiment_score":-0.004484773339594112},{"text":"Otherwise, I can't actually make the recommendation.","start":461.96,"end":464.38,"sentiment":"neutral","sentiment_score":-0.2557851139988218}],"sentiment":"neutral","sentiment_score":-0.04000355023890734,"num_words":60,"start":444.185,"end":464.38},{"sentences":[{"text":"And if I correct.","start":465.995,"end":468.655,"sentiment":"neutral","sentiment_score":-0.060602009762078524},{"text":"Yes.","start":468.715,"end":469.215,"sentiment":"neutral","sentiment_score":0.025740621611475945},{"text":"So we have to follow that first from the corporation's act, then also we have to follow the code of ethics.","start":470.235,"end":475.455,"sentiment":"neutral","sentiment_score":0.02097463607788086},{"text":"And if we breach it, we will lose a license.","start":475.51498,"end":478.09497,"sentiment":"neutral","sentiment_score":-0.2603964552283287},{"text":"If I lose my license, I will lose my job, and my husband at home will be too happy with me.","start":478.44,"end":482.54,"sentiment":"neutral","sentiment_score":-0.20388866393339067}],"sentiment":"neutral","sentiment_score":-0.11687415008220756,"num_words":57,"start":465.995,"end":482.54},{"sentences":[{"text":"So, yeah, there are a lot of legislation in place, both the law, but then also the code of ethics that anyone working as a financial adviser has to follow, and that forms part of that best interest duty.","start":483.0,"end":495.775,"sentiment":"neutral","sentiment_score":0.06348418945876452},{"text":"Does that all make sense?","start":497.355,"end":498.655,"sentiment":"neutral","sentiment_score":0.14637432098388672},{"text":"Yeah.","start":499.915,"end":500.395,"sentiment":"neutral","sentiment_score":0.2013867199420929},{"text":"Great.","start":500.395,"end":500.895,"sentiment":"neutral","sentiment_score":0.04916869476437569},{"text":"Now on the next page, table of content, pretty self explanatory, just everything that we are going over.","start":501.195,"end":509.12,"sentiment":"neutral","sentiment_score":0.11648249398503038}],"sentiment":"neutral","sentiment_score":0.08679680156637914,"num_words":64,"start":483.0,"end":509.12},{"sentences":[{"text":"So just bear with me as we go through this.","start":509.12,"end":511.78,"sentiment":"neutral","sentiment_score":0.15197944045066833},{"text":"Perfect.","start":513.92,"end":514.42,"sentiment":"positive","sentiment_score":0.715746283531189},{"text":"Now you will then have scope of advice.","start":514.72,"end":518.26,"sentiment":"positive","sentiment_score":0.3514406271278858},{"text":"Now, basically, what this means is the areas we are looking at in this statement over time.","start":519.065,"end":524.765,"sentiment":"neutral","sentiment_score":0.16844217128613415},{"text":"But it does not mean that there's not other areas we can't look at down the track.","start":525.065,"end":529.40497,"sentiment":"neutral","sentiment_score":0.06208032106651979}],"sentiment":"neutral","sentiment_score":0.16916883160483162,"num_words":53,"start":509.12,"end":529.40497},{"sentences":[{"text":"But simply today, we're looking at your superannuation to cross off on those goals for you.","start":529.545,"end":535.58,"sentiment":"neutral","sentiment_score":0.32955738063901663},{"text":"Also, investments within superannuation support you are currently invested in versus what I have recommended.","start":535.88,"end":542.22,"sentiment":"neutral","sentiment_score":0.10800757408142089},{"text":"And then also personal risk insurance because we did have that discussion in regards to your life, TCD income protection and the trauma insurance.","start":543.0,"end":552.075,"sentiment":"neutral","sentiment_score":0.047606927808374166},{"text":"Yep.","start":553.895,"end":554.395,"sentiment":"neutral","sentiment_score":0.1667337715625763},{"text":"Now, also, a little bit about estate planning on the following page, just factoring that in as well, just making sure that if something were to happen to you, it will go through as per your wishes.","start":555.41504,"end":566.89996,"sentiment":"neutral","sentiment_score":0.2901156476220569}],"sentiment":"neutral","sentiment_score":0.20361946991855098,"num_words":93,"start":529.545,"end":566.89996},{"sentences":[{"text":"Now on the next pages, you will see scope of advice not considered.","start":568.72,"end":572.89996,"sentiment":"neutral","sentiment_score":-0.10049765041241279},{"text":"Now this is the areas, like I said, that we can definitely explore in more detail as we go.","start":573.04,"end":578.81995,"sentiment":"neutral","sentiment_score":0.13855419974578054},{"text":"Sometimes it's easy to kind of get their foundation and everything sorted and then kind of build on everything.","start":579.375,"end":584.67505,"sentiment":"neutral","sentiment_score":0.2348225187314184},{"text":"So that would be, for example, debt reduction.","start":585.055,"end":587.715,"sentiment":"neutral","sentiment_score":0.32715567387640476},{"text":"So if you wanna work towards making it quicker to reduce your debt, we can definitely assist with that.","start":588.015,"end":595.17,"sentiment":"positive","sentiment_score":0.5059005492611935}],"sentiment":"neutral","sentiment_score":0.23098774388050422,"num_words":78,"start":568.72,"end":595.17},{"sentences":[{"text":"If you need to save up to do more travel or anything like that, we can also have a look at that.","start":595.94995,"end":602.58997,"sentiment":"neutral","sentiment_score":0.30751747434789484},{"text":"And then also kind of down the track as well, if it is that we wanna explore the potential of the self fund super fund in a bit more detail, once kind of your super balance has grown a little bit, again, it's something that we can consider and work towards.","start":602.58997,"end":615.675,"sentiment":"neutral","sentiment_score":0.2999871265070111},{"text":"Yep.","start":617.175,"end":617.675,"sentiment":"neutral","sentiment_score":0.1804267019033432},{"text":"Perfect.","start":618.055,"end":618.555,"sentiment":"positive","sentiment_score":0.5363775491714478},{"text":"Now you'll then have a section talking about limited advice.","start":618.89996,"end":622.83997,"sentiment":"neutral","sentiment_score":0.10783309787511826}],"sentiment":"neutral","sentiment_score":0.28070427196867326,"num_words":85,"start":595.94995,"end":622.83997},{"sentences":[{"text":"Can you see where I'm up to so far?","start":622.89996,"end":624.75995,"sentiment":"neutral","sentiment_score":0.10152914747595787},{"text":"Yes.","start":627.22,"end":627.54,"sentiment":"neutral","sentiment_score":0.0709492415189743},{"text":"So that is page seven.","start":627.54,"end":629.24,"sentiment":"neutral","sentiment_score":0.038946152478456494},{"text":"So this one here basically just shows you and tells you as well that I'm not a legal practitioner.","start":629.37994,"end":634.185,"sentiment":"neutral","sentiment_score":-0.08044936900076113},{"text":"I can't give you any legal advice.","start":634.325,"end":636.505,"sentiment":"neutral","sentiment_score":-0.30476400575467516}],"sentiment":"neutral","sentiment_score":-0.060547407807373416,"num_words":41,"start":622.89996,"end":636.505},{"sentences":[{"text":"I can give you guidance on how to structure your beneficiary nominations from a tax and estate planning point of view, but can't give you any legal advice.","start":636.805,"end":645.225,"sentiment":"neutral","sentiment_score":0.03681924965764795},{"text":"Same goes that I can't prepare your tax statement.","start":646.86005,"end":649.26,"sentiment":"neutral","sentiment_score":-0.1859755681620704},{"text":"We can obviously do tax financial advice, but I can't prepare your tax statement.","start":649.26,"end":653.82,"sentiment":"neutral","sentiment_score":-0.21117554498570307},{"text":"I'd have to refer it onto an accountant for that.","start":653.82,"end":656.08,"sentiment":"neutral","sentiment_score":-0.16471468433737754},{"text":"Yep.","start":657.42004,"end":657.92004,"sentiment":"neutral","sentiment_score":0.0927206128835678}],"sentiment":"neutral","sentiment_score":-0.08312459650539583,"num_words":62,"start":636.805,"end":657.92004},{"sentences":[{"text":"Now underneath that, you will see a little table outlining the different strategies today.","start":658.06,"end":664.76495,"sentiment":"neutral","sentiment_score":0.15610605158976146},{"text":"Now I will go through these in more detail as we go through them.","start":665.225,"end":669.08496,"sentiment":"neutral","sentiment_score":0.1551125342292445},{"text":"Any questions so far?","start":670.50494,"end":671.96497,"sentiment":"neutral","sentiment_score":0.032620009034872055},{"text":"Nope.","start":674.2,"end":674.7,"sentiment":"neutral","sentiment_score":-0.023997250944375992},{"text":"Perfect.","start":674.83997,"end":675.33997,"sentiment":"positive","sentiment_score":0.46281665563583374}],"sentiment":"neutral","sentiment_score":0.14489293065579498,"num_words":34,"start":658.06,"end":675.33997},{"sentences":[{"text":"Now the next two pages is just some little bit of information about you.","start":675.8,"end":681.0,"sentiment":"neutral","sentiment_score":0.1907773188182286},{"text":"If you can just have a quick read over that for me just to make sure that's all up to date or if we need to make any changes in the packet.","start":681.0,"end":688.52496,"sentiment":"neutral","sentiment_score":0.11939194274600595},{"text":"Yep.","start":691.065,"end":691.545,"sentiment":"neutral","sentiment_score":0.16549274325370789},{"text":"Perfect.","start":691.545,"end":692.045,"sentiment":"positive","sentiment_score":0.4137941598892212},{"text":"Which then takes us to your current superannuation and your insurances.","start":692.825,"end":697.40497,"sentiment":"neutral","sentiment_score":0.17292186685583807}],"sentiment":"neutral","sentiment_score":0.15208223847261929,"num_words":59,"start":675.8,"end":697.40497},{"sentences":[{"text":"So at the moment, you have your super with C Bus.","start":699.77997,"end":703.62,"sentiment":"neutral","sentiment_score":0.06730352172797377},{"text":"You do have about a $144,356, and you do also have some insurances with one part paid from within.","start":703.62,"end":713.345,"sentiment":"neutral","sentiment_score":0.0794920364492818},{"text":"So you have your life, which you can see here, just over 1.5 mil, and then TPD insurance of 826,685.","start":714.285,"end":723.985,"sentiment":"neutral","sentiment_score":0.0921609366312623},{"text":"Now the total premium for those two is 2,142 and 86¢.","start":726.26,"end":732.52,"sentiment":"neutral","sentiment_score":0.038026328384876254},{"text":"Now the next three pages, I will let you kind of read over in your own time, but it does explain that risk profile in a bit more detail.","start":736.02,"end":745.66504,"sentiment":"neutral","sentiment_score":0.01766617185082929}],"sentiment":"neutral","sentiment_score":0.056027959906653074,"num_words":90,"start":699.77997,"end":745.66504},{"sentences":[{"text":"So do you remember last time kind of going through that questionnaire about how you sell about market fluctuations and volatility and risks in superannuation?","start":745.965,"end":755.05,"sentiment":"neutral","sentiment_score":-0.007623565196990967},{"text":"Yeah.","start":757.02997,"end":757.51,"sentiment":"neutral","sentiment_score":0.1873195469379425},{"text":"Perfect.","start":757.51,"end":757.91,"sentiment":"neutral","sentiment_score":0.21478822827339172},{"text":"So you came out as a growth investor, but we kind of agreed that a high growth portfolio is going to be the most appropriate for you at the moment.","start":757.91,"end":766.97504,"sentiment":"neutral","sentiment_score":0.20513342668612797},{"text":"You do have plenty of time until retirement, and your goal is to try to maximize that growth as much as possible.","start":767.275,"end":773.695,"sentiment":"neutral","sentiment_score":0.25606611133976415}],"sentiment":"neutral","sentiment_score":0.15188577082715457,"num_words":79,"start":745.965,"end":773.695},{"sentences":[{"text":"And it's only really that 10% difference.","start":773.835,"end":776.575,"sentiment":"neutral","sentiment_score":0.01381519197353295},{"text":"So what that looks like in terms of the asset allocation is that ninety ten split where you have 90% to your growth investment and 10 to defensive.","start":777.03503,"end":786.24,"sentiment":"neutral","sentiment_score":0.0995514305042369},{"text":"Does that kind of ring a bell?","start":786.54004,"end":788.0,"sentiment":"neutral","sentiment_score":0.0907976185636861},{"text":"Yeah.","start":789.5,"end":789.98004,"sentiment":"neutral","sentiment_score":0.2896312475204468},{"text":"Perfect.","start":789.98004,"end":790.48004,"sentiment":"neutral","sentiment_score":0.059781722724437714}],"sentiment":"neutral","sentiment_score":0.08793506132100117,"num_words":44,"start":773.835,"end":790.48004},{"sentences":[{"text":"Which then takes us through the actual recommendation, which is page 14.","start":791.34,"end":796.56,"sentiment":"neutral","sentiment_score":0.05337004053095976},{"text":"So this is the the first recommendation.","start":797.315,"end":799.575,"sentiment":"neutral","sentiment_score":0.1251808436853545},{"text":"Now to make it a little bit easier, I'll get you to scroll down first to page 18 for me, And you will see a fee comparison table.","start":800.435,"end":812.95,"sentiment":"neutral","sentiment_score":0.13689279848975794},{"text":"18.","start":818.53,"end":819.03,"sentiment":"neutral","sentiment_score":0.04854857176542282},{"text":"Yeah.","start":819.73,"end":819.97,"sentiment":"neutral","sentiment_score":0.09403567761182784}],"sentiment":"neutral","sentiment_score":0.11208753059713208,"num_words":49,"start":791.34,"end":819.97},{"sentences":[{"text":"You can see that table?","start":819.97,"end":821.27,"sentiment":"neutral","sentiment_score":0.08360413759946823},{"text":"Yeah.","start":822.465,"end":822.78503,"sentiment":"positive","sentiment_score":0.350479394197464},{"text":"Perfect.","start":822.78503,"end":823.185,"sentiment":"positive","sentiment_score":0.6598045825958252},{"text":"So sometimes this makes it a little bit easier, and this is essentially where kind of all the compliance and legislation, everything comes down to effectively.","start":823.185,"end":831.045,"sentiment":"positive","sentiment_score":0.549988064628381},{"text":"I'm showing you the putting you in a better position.","start":831.425,"end":834.005,"sentiment":"positive","sentiment_score":0.6305578887462616}],"sentiment":"positive","sentiment_score":0.5124086798277012,"num_words":43,"start":819.97,"end":834.005},{"sentences":[{"text":"So this essentially summarizes all the advice and all the strategies together.","start":834.065,"end":839.87,"sentiment":"positive","sentiment_score":0.454496127863725},{"text":"So if we look at first your current superannuation, so I had a look at, obviously, your current C bus, what you are invested in within C bus, as well as what you are paying for in fees.","start":840.49,"end":854.055,"sentiment":"neutral","sentiment_score":0.07791120382516008},{"text":"And then what I have recommended, which is going to be a little bit better for you moving forward.","start":854.595,"end":860.535,"sentiment":"neutral","sentiment_score":0.2473401293942803},{"text":"Now at the moment, in your C Bass account, you are paying a total of about $1,250 per year in administration fees as well as investment costs.","start":861.96,"end":874.035,"sentiment":"neutral","sentiment_score":0.0031477352259335696},{"text":"Now over the last five years, the portfolio that you are currently investing within CEVA has performed at an average rate of return of about 9.03%.","start":875.95496,"end":891.5,"sentiment":"neutral","sentiment_score":0.181910205919009}],"sentiment":"neutral","sentiment_score":0.14695652412464383,"num_words":122,"start":834.065,"end":891.5},{"sentences":[{"text":"Now what we have done on the next page is just forecasting that for five and ten years to show you.","start":893.24,"end":900.3,"sentiment":"neutral","sentiment_score":0.16080109420276822},{"text":"So if you scroll down one page, you can then kind of see the projected outcome for five and ten years with Zebra's and your one path insurance.","start":900.515,"end":909.335,"sentiment":"neutral","sentiment_score":0.15074927918612957},{"text":"Does that make sense?","start":910.355,"end":911.495,"sentiment":"neutral","sentiment_score":0.11598808690905571},{"text":"Yeah.","start":912.85004,"end":913.25,"sentiment":"neutral","sentiment_score":0.24816538393497467},{"text":"Perfect.","start":913.25,"end":913.75,"sentiment":"positive","sentiment_score":0.3770570755004883}],"sentiment":"neutral","sentiment_score":0.15794504731893538,"num_words":55,"start":893.24,"end":913.75},{"sentences":[{"text":"So if you wanna scroll up for me through that same table.","start":913.81,"end":916.95,"sentiment":"neutral","sentiment_score":0.14735087317725024},{"text":"So I had a look around for other options both within Cbus and then outside of it as well.","start":917.57,"end":923.83,"sentiment":"neutral","sentiment_score":0.10419616142385885},{"text":"And once I kind of waited up what was going to be the best option for you specifically, it was a more sophisticated platform called Hub twenty four.","start":923.97003,"end":933.805,"sentiment":"neutral","sentiment_score":0.08725706368152585},{"text":"Now have you ever heard of Hub twenty four before?","start":933.805,"end":936.305,"sentiment":"neutral","sentiment_score":-0.0030881991609930993},{"text":"Okay.","start":939.55005,"end":940.05005,"sentiment":"neutral","sentiment_score":-0.0309283584356308}],"sentiment":"neutral","sentiment_score":0.0875617854031069,"num_words":70,"start":913.81,"end":940.05005},{"sentences":[{"text":"Yeah.","start":940.83,"end":941.33,"sentiment":"neutral","sentiment_score":0.04270840436220169},{"text":"Now, basically, just a little bit of background information for you.","start":942.35004,"end":945.95,"sentiment":"neutral","sentiment_score":0.021944694750180297},{"text":"Hub twenty four, they have been around since about 2007.","start":945.95,"end":949.33,"sentiment":"neutral","sentiment_score":0.07118671983480454},{"text":"They are also directly listed on the Australian Stock Exchange with just under a 100,000,000,000 for dollars of funds under management.","start":949.63,"end":957.095,"sentiment":"neutral","sentiment_score":0.18360169231891632},{"text":"So essentially a massive conglomerate.","start":957.635,"end":959.65497,"sentiment":"neutral","sentiment_score":0.2531481236219406}],"sentiment":"neutral","sentiment_score":0.1274446542035245,"num_words":48,"start":940.83,"end":959.65497},{"sentences":[{"text":"They are one of the quickest growing superannuation kind of platforms out there, and it does offer a lot of benefits and features that some of their competitors doesn't do.","start":960.755,"end":972.94,"sentiment":"positive","sentiment_score":0.44976825937628745},{"text":"Now one of those things is something that is called aggregate trading.","start":973.32,"end":978.46,"sentiment":"neutral","sentiment_score":0.19322068120042482},{"text":"Now, basically, what that means is that we can make trades on investment or with one broker fee rather than paying, you know, $10.20 dollars for each investment trade that we do make.","start":979.415,"end":989.81494,"sentiment":"neutral","sentiment_score":0.17463567875551456},{"text":"Does that make sense?","start":989.81494,"end":990.95496,"sentiment":"neutral","sentiment_score":0.1530536524951458},{"text":"Perfect.","start":992.39,"end":992.89,"sentiment":"positive","sentiment_score":0.4247542917728424}],"sentiment":"neutral","sentiment_score":0.2826455282047391,"num_words":80,"start":960.755,"end":992.89},{"sentences":[{"text":"But, essentially, though, hub twenty four, just another super fund.","start":993.75,"end":997.11,"sentiment":"neutral","sentiment_score":0.05415033102035523},{"text":"You know, there is hundreds of them out there.","start":997.11,"end":999.20996,"sentiment":"neutral","sentiment_score":0.046726100974612765},{"text":"And keep in mind, James, that all super funds are pretty much the same thing.","start":1000.07,"end":1004.81,"sentiment":"neutral","sentiment_score":0.0918049784998099},{"text":"They are basically just administration services that hold your money at the end of the day until you can access it.","start":1005.125,"end":1012.185,"sentiment":"neutral","sentiment_score":0.12528626195022038},{"text":"Now what really matters is what you can actually invest your money into within the fund itself.","start":1013.605,"end":1019.545,"sentiment":"neutral","sentiment_score":0.24411847047946034}],"sentiment":"neutral","sentiment_score":0.12666858882746762,"num_words":72,"start":993.75,"end":1019.545},{"sentences":[{"text":"So, you know, it's not CBA or Australian Super or Australian Retirement Trust or Hub twenty four that kind of gets those returns and make your money grow.","start":1019.97,"end":1031.11,"sentiment":"neutral","sentiment_score":0.2113598912422146},{"text":"It is the actual investment option within the fund itself that gets those returns for you.","start":1031.1699,"end":1037.865,"sentiment":"neutral","sentiment_score":0.24993420764803886},{"text":"Does that make sense?","start":1037.865,"end":1039.005,"sentiment":"neutral","sentiment_score":0.14909712970256805},{"text":"Yeah.","start":1040.8251,"end":1041.225,"sentiment":"neutral","sentiment_score":0.15742000937461853},{"text":"Perfect.","start":1041.225,"end":1041.725,"sentiment":"neutral","sentiment_score":0.2529127597808838}],"sentiment":"neutral","sentiment_score":0.2184749113023281,"num_words":50,"start":1019.97,"end":1041.725},{"sentences":[{"text":"Now I'm not sure if you kind of had a play around with the investment choices in, but they are quite limited in how many options you can actually choose from.","start":1041.785,"end":1051.32,"sentiment":"neutral","sentiment_score":-0.13420977100970283},{"text":"Now yeah.","start":1052.18,"end":1056.26,"sentiment":"neutral","sentiment_score":0.05963033065199853},{"text":"Which is just one one of the option, like, a that's a model portfolio that you've kind of chosen within or default within Cbus, and you don't actually know what's the underlying investment.","start":1056.26,"end":1067.735,"sentiment":"neutral","sentiment_score":0.040277578444643455},{"text":"You just basically know that you're in the high growth model portfolio.","start":1067.735,"end":1070.4751,"sentiment":"neutral","sentiment_score":0.06164426822215319},{"text":"But if you were to kinda change it to something else, you would see that there wouldn't be too many options to choose from if you wanted to change it.","start":1071.175,"end":1081.89,"sentiment":"neutral","sentiment_score":0.05604869114855925}],"sentiment":"neutral","sentiment_score":-0.0026934277611198247,"num_words":108,"start":1041.785,"end":1081.89},{"sentences":[{"text":"But the good thing with Hub twenty four is that there's hundreds and hundreds of different investment options to choose from all the way down through direct shares, which is how we can kind of build and recommended portfolio within Hub twenty four using the same five year rolling average has been 13.56, which is that 4.53% better than your current portfolio, which, as you can probably imagine, does make a big difference when we are then compounding that forward.","start":1081.89,"end":1128.505,"sentiment":"positive","sentiment_score":0.473405927605927},{"text":"Now I do wanna mention as well that Hub twenty four as a platform is a little bit more expensive as you can see here than see that.","start":1130.165,"end":1138.62,"sentiment":"neutral","sentiment_score":-0.12191229992147003},{"text":"Now admin fees is a little bit more no.","start":1138.62,"end":1145.66,"sentiment":"neutral","sentiment_score":-0.1148456438548035},{"text":"That's page page 18.","start":1145.66,"end":1147.28,"sentiment":"neutral","sentiment_score":-0.09647486917674541},{"text":"Oh, yeah.","start":1150.62,"end":1151.28,"sentiment":"neutral","sentiment_score":-0.008077642414718866}],"sentiment":"neutral","sentiment_score":0.2684818232068565,"num_words":123,"start":1081.89,"end":1151.28},{"sentences":[{"text":"Now as you have a look here, so overall, the the fee is a little bit higher than you see about the account, but you are getting a lot more value for money.","start":1152.2451,"end":1160.8251,"sentiment":"neutral","sentiment_score":0.004768202391763528},{"text":"Now for example, if you look at the difference, you see admin fees.","start":1161.2051,"end":1166.185,"sentiment":"neutral","sentiment_score":0.017425753749333896},{"text":"Hub twenty four, the platform is more expensive.","start":1166.35,"end":1168.69,"sentiment":"neutral","sentiment_score":-0.04801600473001599},{"text":"But then when you look at the investment fees, the portfolio we have recommended is actually quite a bit cheaper than what you're currently invested in.","start":1169.1499,"end":1176.9299,"sentiment":"neutral","sentiment_score":0.1059754929290368},{"text":"And then you can also see, like, other fees associated with the account is a little bit cheaper than SEVA.","start":1178.2849,"end":1184.3049,"sentiment":"neutral","sentiment_score":0.030641792993992566}],"sentiment":"neutral","sentiment_score":0.03367956115864217,"num_words":100,"start":1152.2451,"end":1184.3049},{"sentences":[{"text":"But overall, when you factor in, advice fee, it is a little bit more expensive.","start":1184.5249,"end":1189.745,"sentiment":"neutral","sentiment_score":-0.13513283729553222},{"text":"Yep.","start":1191.58,"end":1192.08,"sentiment":"neutral","sentiment_score":0.1240588128566742},{"text":"Perfect.","start":1192.14,"end":1192.64,"sentiment":"positive","sentiment_score":0.3792552351951599},{"text":"Now, again, all of this also includes, you know, salary sacrifice, new insurances, and every advice fee.","start":1193.1799,"end":1200.38,"sentiment":"neutral","sentiment_score":0.16510391805101843},{"text":"It shows everything.","start":1200.38,"end":1201.6,"sentiment":"neutral","sentiment_score":0.19119736552238464}],"sentiment":"neutral","sentiment_score":0.050180545731170756,"num_words":37,"start":1184.5249,"end":1201.6},{"sentences":[{"text":"That factoring in all of that, it still puts you in that better position, which is on the next page again, projecting five and ten years forward.","start":1202.22,"end":1210.7949,"sentiment":"neutral","sentiment_score":0.2730785293711556},{"text":"Correct.","start":1218.63,"end":1219.13,"sentiment":"neutral","sentiment_score":0.0781610757112503},{"text":"So you can see the difference.","start":1219.59,"end":1221.37,"sentiment":"neutral","sentiment_score":0.0555108617991209},{"text":"And in the appendix as well, I have included another table not showing the increase in salary sacrifice to show you exactly like for like with the contribution and still showing you that it puts you in a lot better position.","start":1221.51,"end":1235.7451,"sentiment":"neutral","sentiment_score":0.16279286745844818},{"text":"So that will be in the appendix.","start":1235.9651,"end":1237.7451,"sentiment":"neutral","sentiment_score":0.21209317658628737}],"sentiment":"neutral","sentiment_score":0.19443300416375078,"num_words":82,"start":1202.22,"end":1237.7451},{"sentences":[{"text":"That's the one you will get tomorrow when the software is up and running.","start":1239.005,"end":1243.005,"sentiment":"neutral","sentiment_score":0.1240690467613084},{"text":"It will be an attachment.","start":1243.005,"end":1244.625,"sentiment":"neutral","sentiment_score":0.09253042936325073},{"text":"Yeah.","start":1245.165,"end":1245.66,"sentiment":"neutral","sentiment_score":0.11112399399280548},{"text":"So that will show you the the difference as well.","start":1247.42,"end":1250.4601,"sentiment":"neutral","sentiment_score":0.21290039718151094},{"text":"So not showing salary sacrifice on both sides so that you can see that.","start":1250.4601,"end":1255.36,"sentiment":"neutral","sentiment_score":-0.09435966344816345}],"sentiment":"neutral","sentiment_score":0.0708798063410954,"num_words":44,"start":1239.005,"end":1255.36},{"sentences":[{"text":"Yes.","start":1261.1951,"end":1261.515,"sentiment":"neutral","sentiment_score":0.18432365357875824},{"text":"Definitely.","start":1261.515,"end":1262.015,"sentiment":"neutral","sentiment_score":0.3180046081542969},{"text":"Obviously, doing contributions will impact it and will compound, but we're kind of starting with smaller amounts on salary sacrifice as well.","start":1262.155,"end":1273.055,"sentiment":"neutral","sentiment_score":0.2363268512893807},{"text":"So even without it, it still puts you in a lot better position, which is why we have included that in the appendix to show you that outcome for you as well.","start":1273.3301,"end":1282.4701,"sentiment":"positive","sentiment_score":0.5168465049937367},{"text":"Yeah.","start":1289.7451,"end":1290.2451,"sentiment":"neutral","sentiment_score":-0.12247061729431152}],"sentiment":"positive","sentiment_score":0.38803748302815255,"num_words":57,"start":1261.1951,"end":1290.2451},{"sentences":[{"text":"Yes.","start":1292.0651,"end":1292.5651,"sentiment":"neutral","sentiment_score":0.008912745863199234},{"text":"Yeah.","start":1296.0651,"end":1296.385,"sentiment":"neutral","sentiment_score":-0.032912954688072205},{"text":"And you definitely don't have to.","start":1296.385,"end":1298.11,"sentiment":"neutral","sentiment_score":-0.09911852826674779},{"text":"And it's one of those things as well where clients sometimes stops and starts just depending on exactly what is going on in their life.","start":1298.11,"end":1305.1499,"sentiment":"neutral","sentiment_score":-0.06932257473468781},{"text":"And if it is that you are happy with the recommendation, but you go, you know what?","start":1305.1499,"end":1308.99,"sentiment":"neutral","sentiment_score":-0.03601837333510904}],"sentiment":"neutral","sentiment_score":-0.05928176186978817,"num_words":50,"start":1292.0651,"end":1308.99},{"sentences":[{"text":"I don't wanna do salary sacrifice.","start":1308.99,"end":1310.59,"sentiment":"neutral","sentiment_score":-0.28530461341142654},{"text":"We do not have to at all.","start":1310.59,"end":1312.095,"sentiment":"neutral","sentiment_score":-0.04499156453779766},{"text":"There is a section when you get the digital copy tomorrow as well or when you have a read through, there is a section where it actually says alteration to the advice.","start":1312.4149,"end":1320.595,"sentiment":"neutral","sentiment_score":-0.005434680788312107},{"text":"So I have made a couple of different options for your insurances because we did speak about that as well as the salary sacrifice.","start":1320.975,"end":1328.8501,"sentiment":"neutral","sentiment_score":-0.0181939370619754},{"text":"So if you go, a, I don't want salary sacrifice right now, just note that down, and then we can definitely note that that we're not looking at doing that.","start":1328.8501,"end":1336.37,"sentiment":"neutral","sentiment_score":-0.10708482513825099}],"sentiment":"neutral","sentiment_score":-0.05908967334438454,"num_words":99,"start":1308.99,"end":1336.37},{"sentences":[{"text":"Maybe something down the track, not really right now.","start":1336.37,"end":1339.01,"sentiment":"neutral","sentiment_score":-0.14109613001346588},{"text":"And that is perfectly fine.","start":1339.01,"end":1340.63,"sentiment":"neutral","sentiment_score":0.1841786563396454},{"text":"But that will kind of make sense when you see that.","start":1341.615,"end":1344.115,"sentiment":"neutral","sentiment_score":0.05532850883901119},{"text":"Mhmm.","start":1347.775,"end":1348.275,"sentiment":"neutral","sentiment_score":0.01100071147084236},{"text":"Mhmm.","start":1349.775,"end":1350.275,"sentiment":"neutral","sentiment_score":-0.08044056594371796}],"sentiment":"neutral","sentiment_score":0.007044513123454871,"num_words":27,"start":1336.37,"end":1350.275},{"sentences":[{"text":"Yes.","start":1351.775,"end":1352.275,"sentiment":"neutral","sentiment_score":0.03461671620607376},{"text":"Yes.","start":1352.655,"end":1353.155,"sentiment":"neutral","sentiment_score":0.05956689268350601},{"text":"And it we are seeing that overall in the market as well.","start":1353.6951,"end":1358.39,"sentiment":"neutral","sentiment_score":0.15813271390895048},{"text":"Now the tricky thing with your CBAS investments, which will come through a little bit sooner as well, is because you just invested in the model portfolio, you basically have a fund manager within CBAS choosing what goes in and out of the investment portfolio, but you actually don't see what those underlying investments are.","start":1359.09,"end":1380.325,"sentiment":"neutral","sentiment_score":-0.06950422745536675},{"text":"So you don't know which industries or which sectors or how they are invested, which sometimes can cause a little bit of issues if you don't have that transparency or you don't know what it is.","start":1380.325,"end":1391.5801,"sentiment":"neutral","sentiment_score":-0.18028832537432513}],"sentiment":"neutral","sentiment_score":-0.07925081950213228,"num_words":105,"start":1351.775,"end":1391.5801},{"sentences":[{"text":"It gives them the flexibility of chopping and changing, but sometimes it can be a little bit tricky.","start":1392.68,"end":1397.8,"sentiment":"neutral","sentiment_score":0.053009893745183945},{"text":"But overall, the last, you know, twelve months, we have seen a bit of fluctuations in the market with everything going on first in, like, The US with Trump and tariffs and everything and then with the war and stuff like that.","start":1397.8,"end":1409.285,"sentiment":"neutral","sentiment_score":-0.051282409401167},{"text":"So it's also important to factor in diversification within your investments as well.","start":1409.285,"end":1414.47,"sentiment":"neutral","sentiment_score":0.12481525253791076},{"text":"But does that make sense so far, James?","start":1416.63,"end":1419.45,"sentiment":"neutral","sentiment_score":0.11756812687963247},{"text":"Yeah.","start":1420.95,"end":1421.35,"sentiment":"positive","sentiment_score":0.40556800365448}],"sentiment":"neutral","sentiment_score":0.02157351456400825,"num_words":82,"start":1392.68,"end":1421.35},{"sentences":[{"text":"Perfect.","start":1421.35,"end":1421.85,"sentiment":"positive","sentiment_score":0.5841624736785889},{"text":"But most definitely, when this document was prepared, obviously, your balance was at a 144.","start":1422.95,"end":1427.985,"sentiment":"neutral","sentiment_score":0.09957090417544047},{"text":"If it's down to a 140 now, if you said it dropped, yeah, by about that, it doesn't change the advice because it still obviously factors in the fees and the returns.","start":1428.145,"end":1442.4,"sentiment":"neutral","sentiment_score":0.005078438902273774},{"text":"And, really, the more you have, the the bigger difference is going to compound and put you in that better position.","start":1442.4,"end":1449.3,"sentiment":"neutral","sentiment_score":0.16902840545489675},{"text":"But I'll make sure, obviously, as well that when we in the appendix, like I said, I will show you no salary sacrifice so that you can see that.","start":1449.68,"end":1459.735,"sentiment":"neutral","sentiment_score":0.1297771866465437}],"sentiment":"neutral","sentiment_score":0.09748337763760771,"num_words":98,"start":1421.35,"end":1459.735},{"sentences":[{"text":"And I'll make a little note here as well.","start":1460.2749,"end":1462.0349,"sentiment":"neutral","sentiment_score":0.12396107986569405},{"text":"When we do you know, if if you are happy to come on board and we do the application, it sometimes does change, you know, day to day even with the amount, then that's perfectly fine.","start":1462.0349,"end":1472.31,"sentiment":"neutral","sentiment_score":0.27472198713156915},{"text":"If it's a a really big drop between it, just let me know because then I might wanna just rerun the numbers if it's, like, a big drop just to redig that for you.","start":1472.31,"end":1482.73,"sentiment":"neutral","sentiment_score":0.05368538562427549},{"text":"Yeah.","start":1487.855,"end":1488.355,"sentiment":"neutral","sentiment_score":0.06131843477487564},{"text":"Yeah.","start":1489.135,"end":1489.635,"sentiment":"neutral","sentiment_score":0.056418467313051224}],"sentiment":"neutral","sentiment_score":0.1598602625782843,"num_words":81,"start":1460.2749,"end":1489.635},{"sentences":[{"text":"And, also, you are in a in a high growth, but, again, because we don't know what's in CEVA, so it can be, you know, different private equity.","start":1490.575,"end":1499.87,"sentiment":"neutral","sentiment_score":0.04111250523211701},{"text":"It can be high risk investment.","start":1499.87,"end":1501.7899,"sentiment":"neutral","sentiment_score":0.06598783719042937},{"text":"It can be low risk.","start":1501.7899,"end":1502.83,"sentiment":"neutral","sentiment_score":0.11710194498300552},{"text":"We just don't know because, obviously, CEVA just has that information, which I will actually go through go through then the portfolio that I have recommended and how that's different and how you can actually see and research every single option that's there.","start":1502.83,"end":1518.195,"sentiment":"neutral","sentiment_score":0.12016256820670394},{"text":"And it's all all there to give you that full transparency.","start":1518.735,"end":1521.875,"sentiment":"neutral","sentiment_score":0.21548121219331567}],"sentiment":"neutral","sentiment_score":0.1039771038878669,"num_words":93,"start":1490.575,"end":1521.875},{"sentences":[{"text":"But, yes, we are seeing a bit of those fluctuations recently, unfortunately, with everything going on.","start":1523.0549,"end":1529.49,"sentiment":"neutral","sentiment_score":-0.25009672110900283},{"text":"The good thing with overseas superannuation is a long term investment, but still, obviously, when it does fluctuate, it is a little bit disheartening because you work hard for the money, and you don't wanna lose it.","start":1529.55,"end":1540.53,"sentiment":"neutral","sentiment_score":-0.1486949324607849},{"text":"Exactly.","start":1549.605,"end":1550.105,"sentiment":"neutral","sentiment_score":-0.04420498013496399},{"text":"And and, typically, as well in, like, a high growth portfolio, we kind of say that the likelihood of a negative return is about one in five years.","start":1550.325,"end":1560.97,"sentiment":"neutral","sentiment_score":-0.30624856187828947},{"text":"So in, like, a five year five year period is expected that one of those years might be negative as long as overall as a as a whole, it's obviously moving forward and growing, which is just kind of the nature of it that it is kind of, you know, long term, and then you add everything up.","start":1560.97,"end":1579.0349,"sentiment":"neutral","sentiment_score":-0.15606920902842078}],"sentiment":"neutral","sentiment_score":-0.19410313482263258,"num_words":140,"start":1523.0549,"end":1579.0349},{"sentences":[{"text":"Yep.","start":1580.63,"end":1581.0299,"sentiment":"neutral","sentiment_score":0.30062973499298096},{"text":"Perfect.","start":1581.0299,"end":1581.5299,"sentiment":"positive","sentiment_score":0.6349748373031616},{"text":"Now do you have any other questions on this page otherwise?","start":1583.51,"end":1587.77,"sentiment":"neutral","sentiment_score":0.10759907927025449},{"text":"No.","start":1590.15,"end":1590.65,"sentiment":"neutral","sentiment_score":-0.0945599228143692},{"text":"Great.","start":1591.11,"end":1591.61,"sentiment":"positive","sentiment_score":0.5175906419754028}],"sentiment":"neutral","sentiment_score":0.16948167756199836,"num_words":15,"start":1580.63,"end":1591.61},{"sentences":[{"text":"Perfect.","start":1591.99,"end":1592.49,"sentiment":"positive","sentiment_score":0.5138099193572998},{"text":"Now while we are here, if you then wanna scroll to the following page, just showing that five and ten year projection again.","start":1593.765,"end":1599.545,"sentiment":"neutral","sentiment_score":0.13651236308657605},{"text":"Underneath that, you can then also see the investment returns outlined a bit more for you.","start":1600.805,"end":1605.8451,"sentiment":"neutral","sentiment_score":0.18676301091909409},{"text":"So you can have your twelve months, three years, and five years to show you a bit more information.","start":1605.8451,"end":1611.91,"sentiment":"neutral","sentiment_score":0.1567787814297174},{"text":"Yep.","start":1613.49,"end":1613.99,"sentiment":"neutral","sentiment_score":0.15100693702697754}],"sentiment":"neutral","sentiment_score":0.16286010382076105,"num_words":60,"start":1591.99,"end":1613.99},{"sentences":[{"text":"Perfect.","start":1614.05,"end":1614.55,"sentiment":"positive","sentiment_score":0.383232444524765},{"text":"So if you then wanna scroll up for me, James, just back up to page 14.","start":1614.9299,"end":1629.225,"sentiment":"neutral","sentiment_score":0.08940233255270869},{"text":"Oh, no.","start":1638.5,"end":1638.8201,"sentiment":"neutral","sentiment_score":-0.013701219111680984},{"text":"That's okay.","start":1638.8201,"end":1639.56,"sentiment":"neutral","sentiment_score":0.018066806718707085},{"text":"Again, technology.","start":1640.34,"end":1641.16,"sentiment":"neutral","sentiment_score":0.014133064076304436}],"sentiment":"neutral","sentiment_score":0.0804637855971637,"num_words":23,"start":1614.05,"end":1641.16},{"sentences":[{"text":"You're like, no.","start":1648.275,"end":1649.255,"sentiment":"neutral","sentiment_score":-0.006301953457295895},{"text":"Just give the pack.","start":1649.395,"end":1650.535,"sentiment":"neutral","sentiment_score":0.023971227928996086},{"text":"Can you see that okay?","start":1652.595,"end":1654.375,"sentiment":"neutral","sentiment_score":0.03527816459536552},{"text":"Yes.","start":1657.3151,"end":1657.8,"sentiment":"neutral","sentiment_score":0.0637885332107544},{"text":"So you can see here that, basically, this puts everything in query words, what I kind of just explained.","start":1658.12,"end":1664.2001,"sentiment":"neutral","sentiment_score":0.10756048011152368}],"sentiment":"neutral","sentiment_score":0.07377523530158214,"num_words":32,"start":1648.275,"end":1664.2001},{"sentences":[{"text":"So I'll let you have a read over that in your own time because it is a lot of information to take in.","start":1664.2001,"end":1669.3401,"sentiment":"neutral","sentiment_score":0.15947475835033084},{"text":"But it basically shows you kind of that best interest duty again of why the recommendation does align with your goals and your objectives and puts you in a better position.","start":1669.8,"end":1679.545,"sentiment":"neutral","sentiment_score":0.29212609414131413},{"text":"Kind of puts all of that in in there for you.","start":1680.085,"end":1682.665,"sentiment":"neutral","sentiment_score":0.3057043376294049},{"text":"You can actually see here that from the research, the investments I mentioned earlier, offers 16 investment choices, whereas Hub has 1,178 choices.","start":1682.805,"end":1694.96,"sentiment":"neutral","sentiment_score":0.14237539405408112},{"text":"So with Hub, it also gives us that flexibility that if it is a investment because it's not a set and forget strategy ever because you never know what's going to happen in the market.","start":1695.42,"end":1706.0549,"sentiment":"neutral","sentiment_score":0.1834965780377388}],"sentiment":"neutral","sentiment_score":0.2096226859262319,"num_words":123,"start":1664.2001,"end":1706.0549},{"sentences":[{"text":"No one could predict COVID or what's going to happen.","start":1706.0549,"end":1708.955,"sentiment":"neutral","sentiment_score":-0.015336750214919448},{"text":"So the good thing with hub twenty four is because it gives us access to so many different investments, we can chop and change things based on what's going on.","start":1709.1749,"end":1717.755,"sentiment":"positive","sentiment_score":0.41902338961760205},{"text":"So it gives us that kind of flexibility.","start":1718.9601,"end":1720.8201,"sentiment":"neutral","sentiment_score":0.3119144169613719},{"text":"Now if you then wanna scroll down a little bit for me, on page 15, it does outline that, typically, the way that I like to do it is to do a partial rollover first, retaining 10,000 in Cbus temporarily.","start":1722.56,"end":1738.435,"sentiment":"neutral","sentiment_score":0.09924420658499003},{"text":"The only reason we would do that is until your new insurance policy is enforced.","start":1739.535,"end":1744.8351,"sentiment":"neutral","sentiment_score":0.0371296947201093}],"sentiment":"neutral","sentiment_score":0.18873168161428236,"num_words":103,"start":1706.0549,"end":1744.8351},{"sentences":[{"text":"As soon as that is enforced, we will then close down, and transfer that remaining 10,000.","start":1745.58,"end":1752.88,"sentiment":"neutral","sentiment_score":0.05449368921108544},{"text":"And that is just because at no point in time do I want to leave you uninsured if something were to happen to you in the process of applying for new insurance.","start":1753.26,"end":1762.2251,"sentiment":"neutral","sentiment_score":0.002310341107659042},{"text":"Does that make sense?","start":1763.485,"end":1764.625,"sentiment":"neutral","sentiment_score":0.2643357664346695},{"text":"Yeah.","start":1765.805,"end":1766.2051,"sentiment":"positive","sentiment_score":0.3711768388748169},{"text":"Perfect.","start":1766.2051,"end":1766.7051,"sentiment":"positive","sentiment_score":0.5504772067070007}],"sentiment":"neutral","sentiment_score":0.05416346396561022,"num_words":54,"start":1745.58,"end":1766.7051},{"sentences":[{"text":"Now, again, on the next couple of pages, it's quite wordy.","start":1768.2051,"end":1771.165,"sentiment":"neutral","sentiment_score":-0.01880946619944139},{"text":"So, again, I'll let you have a read over it, but it does kind of break down the advantages in regards to the recommendation, some disadvantages as well, which one of the disadvantages that it is.","start":1771.165,"end":1783.0499,"sentiment":"neutral","sentiment_score":-0.005620120972808864},{"text":"So a little bit more expensive, some risks to be mindful of as well, which is that there's always a level of risk associated with any investment option, and you can't guarantee the investment return.","start":1783.0499,"end":1797.505,"sentiment":"neutral","sentiment_score":-0.240522985798972},{"text":"But that's also why we use the five year rolling average as a starting point to give us a bit more certainty of what's happened, you know, to the portfolio and the market.","start":1798.205,"end":1808.63,"sentiment":"neutral","sentiment_score":0.21030920473012057},{"text":"Because if we use twelve months, depending on when we would have done it, sometimes it would have made it look like you've won the lottery, Whereas other years, not so great.","start":1808.63,"end":1817.8949,"sentiment":"neutral","sentiment_score":0.16747549502179027}],"sentiment":"neutral","sentiment_score":0.023618276262668526,"num_words":147,"start":1768.2051,"end":1817.8949},{"sentences":[{"text":"So that's why we do like to use that five year rolling average.","start":1818.355,"end":1821.495,"sentiment":"neutral","sentiment_score":0.148350540548563},{"text":"Perfect.","start":1824.355,"end":1824.855,"sentiment":"positive","sentiment_score":0.5725795030593872},{"text":"Now alternatives considered, you can see that I did consider staying in C bus for you, changing some of the investments.","start":1825.075,"end":1832.4199,"sentiment":"neutral","sentiment_score":0.19331730831237065},{"text":"But because of the limitations, that's available in C Bus, I just couldn't achieve the same outcome, in C Bus.","start":1832.48,"end":1840.48,"sentiment":"neutral","sentiment_score":-0.2137367408722639},{"text":"And the other good thing with hub twenty four is that they offer something that's called family linking.","start":1840.48,"end":1846.02,"sentiment":"positive","sentiment_score":0.4311795180870427}],"sentiment":"neutral","sentiment_score":0.1376341988064655,"num_words":73,"start":1818.355,"end":1846.02},{"sentences":[{"text":"So if that's ever a situation where a family have, you know, superannuation funds in the same platform, you can actually link accounts, which means that you get a discounted administration fee the more your balance grow because accounts suit the balances, like, as if it's one account even though it's two separate.","start":1846.425,"end":1865.9401,"sentiment":"neutral","sentiment_score":0.12653878682626868},{"text":"So it is a kind of another good thing with hub 24 that it is another feature that you can have.","start":1867.36,"end":1873.2201,"sentiment":"positive","sentiment_score":0.5615232260454268},{"text":"Yep.","start":1874.175,"end":1874.675,"sentiment":"neutral","sentiment_score":0.13279569149017334},{"text":"Perfect.","start":1875.6951,"end":1876.1951,"sentiment":"neutral","sentiment_score":0.2905353009700775},{"text":"Oh, yeah.","start":1884.175,"end":1884.8351,"sentiment":"neutral","sentiment_score":-0.014878551475703716}],"sentiment":"neutral","sentiment_score":0.2422066325417314,"num_words":78,"start":1846.425,"end":1884.8351},{"sentences":[{"text":"17.","start":1885.295,"end":1885.795,"sentiment":"neutral","sentiment_score":-0.011792337521910667},{"text":"At the bottom?","start":1893.16,"end":1894.38,"sentiment":"neutral","sentiment_score":0.006280474364757538},{"text":"Yes.","start":1895.0,"end":1895.5,"sentiment":"neutral","sentiment_score":0.02321921288967133},{"text":"So there is a lot more research.","start":1895.8,"end":1897.58,"sentiment":"neutral","sentiment_score":-0.07808831839689187},{"text":"No.","start":1898.04,"end":1898.2,"sentiment":"neutral","sentiment_score":-0.13510054349899292}],"sentiment":"neutral","sentiment_score":-0.05011157490886175,"num_words":13,"start":1885.295,"end":1898.2},{"sentences":[{"text":"That's okay.","start":1898.2,"end":1899.02,"sentiment":"neutral","sentiment_score":-0.09810702875256538},{"text":"Just just interrupt me because I know there's a lot to get through.","start":1899.16,"end":1903.075,"sentiment":"neutral","sentiment_score":-0.1192816527417073},{"text":"Now there is a lot more options that we did consider, but this just shows you some some of them, and the most competitive competitor was MyNorth.","start":1904.335,"end":1913.475,"sentiment":"neutral","sentiment_score":-0.016970004679428205},{"text":"We also looked at, you know, Netwealth, Macquarie.","start":1913.94,"end":1916.1799,"sentiment":"neutral","sentiment_score":0.0010117217898368835},{"text":"There are other options.","start":1916.1799,"end":1917.24,"sentiment":"neutral","sentiment_score":0.000149357598274946}],"sentiment":"neutral","sentiment_score":-0.040673601199631336,"num_words":54,"start":1898.2,"end":1917.24},{"sentences":[{"text":"MyNorth was the most competitive in terms of fees and investment choices, but they don't offer the aggregate trading, which does reduce the fee in Hub twenty four and didn't have quite as many investment choices as hub twenty four.","start":1917.7,"end":1933.755,"sentiment":"neutral","sentiment_score":-0.05260605462826788},{"text":"So, therefore, I didn't recommend my law.","start":1933.755,"end":1936.3351,"sentiment":"neutral","sentiment_score":-0.33032714469092234},{"text":"And I do use hub twenty four for my personal superannuation as well.","start":1938.555,"end":1942.3151,"sentiment":"neutral","sentiment_score":-0.027076730934473183},{"text":"And if I didn't think it was good, I wouldn't use them.","start":1942.3151,"end":1944.69,"sentiment":"neutral","sentiment_score":-0.291859599451224},{"text":"I definitely wouldn't recommend it to you.","start":1944.69,"end":1946.87,"sentiment":"negative","sentiment_score":-0.34558792625154766}],"sentiment":"neutral","sentiment_score":-0.13531595414292208,"num_words":79,"start":1917.7,"end":1946.87},{"sentences":[{"text":"But it's not to say that it's always potentially going to be the best option, James, because there's always new products and features continuously coming out.","start":1948.29,"end":1955.83,"sentiment":"neutral","sentiment_score":0.11785083966186413},{"text":"There is absolutely nothing tying us to hub twenty four.","start":1955.975,"end":1959.095,"sentiment":"neutral","sentiment_score":0.11509965546429157},{"text":"So if there is another one that comes out that is, you know, cheaper with just as much investment options, like I said, there is nothing, you know, preventing us from swapping Superfunds if it's going to be the better option for you.","start":1959.095,"end":1973.8301,"sentiment":"neutral","sentiment_score":0.13241585118826046},{"text":"Yep.","start":1973.8301,"end":1974.3301,"sentiment":"positive","sentiment_score":0.3684980869293213},{"text":"Perfect.","start":1974.47,"end":1974.97,"sentiment":"positive","sentiment_score":0.6772973537445068}],"sentiment":"neutral","sentiment_score":0.13524438799531371,"num_words":81,"start":1948.29,"end":1974.97},{"sentences":[{"text":"Now if you can then scroll down to the investments for me, which is page 20.","start":1976.47,"end":1981.93,"sentiment":"neutral","sentiment_score":0.15632963832467794},{"text":"Yes.","start":1984.245,"end":1984.745,"sentiment":"neutral","sentiment_score":0.06308014690876007},{"text":"So you see a little table there?","start":1984.9651,"end":1986.8251,"sentiment":"neutral","sentiment_score":0.0650458245405129},{"text":"Perfect.","start":1988.0851,"end":1988.5851,"sentiment":"positive","sentiment_score":0.5750617980957031},{"text":"So this kind of outlines your current investments.","start":1988.725,"end":1991.2051,"sentiment":"neutral","sentiment_score":0.26393554918468}],"sentiment":"neutral","sentiment_score":0.17291579768061638,"num_words":33,"start":1976.47,"end":1991.2051},{"sentences":[{"text":"So like you said as well, you are in a high growth portfolio, and a 100% of your money is in this portfolio.","start":1991.2051,"end":1996.665,"sentiment":"neutral","sentiment_score":0.29818484899790393},{"text":"I kind of already touched that that is a managed fund option.","start":1997.65,"end":2001.91,"sentiment":"neutral","sentiment_score":0.06753568879018228},{"text":"Now do you know the different options between, like, a direct share or an ETF and a managed fund?","start":2002.21,"end":2008.29,"sentiment":"neutral","sentiment_score":0.018026856558495445},{"text":"Have you ever heard of that before?","start":2008.29,"end":2009.91,"sentiment":"neutral","sentiment_score":0.0012970050530774252},{"text":"Self made super funds a little bit little bit differently.","start":2016.765,"end":2019.185,"sentiment":"neutral","sentiment_score":-0.06929962001740933}],"sentiment":"neutral","sentiment_score":0.10320102679215266,"num_words":71,"start":1991.2051,"end":2019.185},{"sentences":[{"text":"But, essentially, with no.","start":2020.285,"end":2024.93,"sentiment":"neutral","sentiment_score":-0.030496306251734495},{"text":"That's fine.","start":2024.93,"end":2025.91,"sentiment":"neutral","sentiment_score":0.0030895150266587734},{"text":"And most people haven't because it is obviously, like, a foreign thing.","start":2026.13,"end":2029.27,"sentiment":"neutral","sentiment_score":-0.07947184176494677},{"text":"Now for simplicity, to give you kind of a a rough idea of the different investment options, now this is all available in Hub twenty four as well, which is great, is that you can have direct share.","start":2030.37,"end":2041.765,"sentiment":"neutral","sentiment_score":0.18172719172741236},{"text":"So that is the most simple way.","start":2041.765,"end":2043.445,"sentiment":"neutral","sentiment_score":0.1923640583242689}],"sentiment":"neutral","sentiment_score":0.11401132377426303,"num_words":63,"start":2020.285,"end":2043.445},{"sentences":[{"text":"Let's say you wanna invest in BHP.","start":2043.445,"end":2045.7849,"sentiment":"neutral","sentiment_score":0.08894198494298118},{"text":"Directly in BHP, you can invest in the company itself, just in BHP.","start":2046.1649,"end":2050.9849,"sentiment":"neutral","sentiment_score":0.08560819293443973},{"text":"Now that is a direct share because you invest directly in one particular company.","start":2051.045,"end":2055.065,"sentiment":"neutral","sentiment_score":0.09331979762230601},{"text":"You can then have an ETF, which is an exchange traded fund, which is a lot of the investment that I have selected for you.","start":2056.19,"end":2064.5298,"sentiment":"neutral","sentiment_score":0.13324396461248397},{"text":"Now these are a little bit differently in let let's say you want to invest in the oil industry as a whole, but not just in DHP to give you a bit more diversification.","start":2064.91,"end":2074.505,"sentiment":"neutral","sentiment_score":0.08020130150458392}],"sentiment":"neutral","sentiment_score":0.09784861221428841,"num_words":93,"start":2043.445,"end":2074.505},{"sentences":[{"text":"You can then invest in an ETF, which kind of tracks different index and metrics depending on which one we choose.","start":2075.765,"end":2082.745,"sentiment":"neutral","sentiment_score":0.15248657301777885},{"text":"And it is a really good low cost option because you're kind of tracking an index, but then also it's very diversified because you don't invest in just one single option within the investment.","start":2083.125,"end":2094.3499,"sentiment":"neutral","sentiment_score":0.2619197903310551},{"text":"And then you have managed fund, which is how your c bus is set up where you do have that portfolio manager kind of buying and selling different things depending on what is going on in the market, which sometimes works out well and sometimes it doesn't outperform.","start":2096.01,"end":2110.995,"sentiment":"neutral","sentiment_score":0.14518981451449994},{"text":"Yep.","start":2112.655,"end":2112.99,"sentiment":"neutral","sentiment_score":0.13923496007919312},{"text":"So underneath that, you can then see the investment portfolio that we have put together for you.","start":2113.23,"end":2119.47,"sentiment":"neutral","sentiment_score":0.24643514042391496}],"sentiment":"neutral","sentiment_score":0.19343168883149567,"num_words":121,"start":2075.765,"end":2119.47},{"sentences":[{"text":"Now this gives you kind of all the transparency in the world because you know exactly what those investments are doing.","start":2119.47,"end":2125.97,"sentiment":"positive","sentiment_score":0.38678895717575434},{"text":"If there's ever a situation where you don't, if you are very particular with not liking a particular investment or industry, we can always chop and change it, because Hub twenty four does have that 1,178 different options to choose from.","start":2126.35,"end":2139.455,"sentiment":"neutral","sentiment_score":0.06270443711702417},{"text":"And it's not a set and forget thing.","start":2140.555,"end":2142.81,"sentiment":"neutral","sentiment_score":0.027662130072712898},{"text":"So, again, things in markets can always change and evolve, and it is important to keep reviewing these just to make sure if there is one that's underperforming, we might wanna swap it out for something else depending on what is going on in the world as well.","start":2142.8901,"end":2156.895,"sentiment":"neutral","sentiment_score":-0.039681853571285806},{"text":"But, essentially, how we put together the portfolio there for you is that we put together it using a core satellite approach to investing, which essentially means that we are investing majority of the funds in what we would call your core, and they kind of represent, like, the backbone of the portfolio.","start":2158.495,"end":2177.4,"sentiment":"neutral","sentiment_score":0.23672239299652711}],"sentiment":"neutral","sentiment_score":0.12606026269277634,"num_words":171,"start":2119.47,"end":2177.4},{"sentences":[{"text":"And these are more those passive index funds that have done really well in the past, and we believe will continue to do so in the future.","start":2177.94,"end":2186.8398,"sentiment":"positive","sentiment_score":0.3876464753239243},{"text":"So these are kind of your biggest shareholding.","start":2187.2751,"end":2189.615,"sentiment":"neutral","sentiment_score":0.2818234898149967},{"text":"So you will see here at 35%, the iShares S and P 500.","start":2189.995,"end":2195.355,"sentiment":"neutral","sentiment_score":0.15400143598134702},{"text":"Have you ever heard of that one before?","start":2195.355,"end":2197.0552,"sentiment":"neutral","sentiment_score":0.033243693644180894},{"text":"No?","start":2199.77,"end":2200.27,"sentiment":"neutral","sentiment_score":-0.06608113646507263}],"sentiment":"neutral","sentiment_score":0.26180578653880376,"num_words":57,"start":2177.94,"end":2200.27},{"sentences":[{"text":"Essentially, that one invests in the biggest 500 companies listed in The US.","start":2200.89,"end":2207.31,"sentiment":"neutral","sentiment_score":0.045659893598685115},{"text":"So you will have companies like Apple or Microsoft and Amazon, all the kind of big companies you would see and use every day.","start":2207.77,"end":2215.825,"sentiment":"neutral","sentiment_score":0.14563819921265045},{"text":"You then have 25% in the beta shares Australia 200.","start":2217.245,"end":2223.185,"sentiment":"neutral","sentiment_score":0.11225498765707016},{"text":"Again, we don't wanna put too much into one industry.","start":2223.645,"end":2226.97,"sentiment":"neutral","sentiment_score":0.01588594913482666},{"text":"We don't wanna put everything into the The US, but we wanna diversify things for you.","start":2226.97,"end":2231.69,"sentiment":"neutral","sentiment_score":0.144777768291533}],"sentiment":"neutral","sentiment_score":0.1052979323078084,"num_words":73,"start":2200.89,"end":2231.69},{"sentences":[{"text":"So that 25% is in Australian investment.","start":2231.69,"end":2236.0298,"sentiment":"neutral","sentiment_score":0.1669554359146527},{"text":"So that one invests in the two 100 largest companies listed on the ASX.","start":2236.25,"end":2240.43,"sentiment":"neutral","sentiment_score":0.20801895218236105},{"text":"So you will have companies like Commonwealth, BHP, CSL, Woolworths, for example.","start":2241.055,"end":2246.835,"sentiment":"neutral","sentiment_score":0.06451404731099804},{"text":"Again, all the kind of big companies in that portfolio.","start":2247.215,"end":2250.355,"sentiment":"neutral","sentiment_score":0.02917610891163349},{"text":"Now the rest of the investments you will see have a little bit of a smaller holding, and these would be what we would call your satellite investments because they can be a little bit more volatile.","start":2252.175,"end":2263.69,"sentiment":"neutral","sentiment_score":0.09637882933020592}],"sentiment":"neutral","sentiment_score":0.10891124655026943,"num_words":80,"start":2231.69,"end":2263.69},{"sentences":[{"text":"They can fluctuate a little bit more.","start":2263.8298,"end":2265.5098,"sentiment":"neutral","sentiment_score":-0.0018937539841447555},{"text":"They're a bit more specialized.","start":2265.5098,"end":2266.73,"sentiment":"neutral","sentiment_score":0.035570061206817626},{"text":"That's why they do have a smaller portion allocated.","start":2267.5098,"end":2270.65,"sentiment":"neutral","sentiment_score":0.24638874497678545},{"text":"But because the goal is we do wanna maximize that growth for you and diversify things for you, we wanna obviously find the niches and the opportunities to grow that for you while still not having too much allocated through them.","start":2271.165,"end":2284.59,"sentiment":"positive","sentiment_score":0.5019071036722602},{"text":"So, for example, you'll see 6% to beta shift cybersecurity.","start":2286.1902,"end":2290.1301,"sentiment":"neutral","sentiment_score":0.15546837002038955}],"sentiment":"positive","sentiment_score":0.34048566227364874,"num_words":72,"start":2263.8298,"end":2290.1301},{"sentences":[{"text":"Obviously, AI technology is not going anywhere anytime soon.","start":2290.75,"end":2294.6902,"sentiment":"neutral","sentiment_score":0.05290404169095887},{"text":"You have a 9% in Europe.","start":2296.03,"end":2298.665,"sentiment":"neutral","sentiment_score":0.11208812023202579},{"text":"Again, trying to diversify everything for you around the globe.","start":2298.725,"end":2302.585,"sentiment":"neutral","sentiment_score":0.24211392998695375},{"text":"5% in Japan, and then 8% across the globe.","start":2303.5251,"end":2308.665,"sentiment":"neutral","sentiment_score":0.11546237518390019},{"text":"But that one excludes The US because you already have that exposure to the ICS S and P 500.","start":2309.0452,"end":2315.7202,"sentiment":"neutral","sentiment_score":0.02281808461013593}],"sentiment":"neutral","sentiment_score":0.09514168642883031,"num_words":53,"start":2290.75,"end":2315.7202},{"sentences":[{"text":"Because we don't wanna put too much into one area as well.","start":2315.7202,"end":2318.7002,"sentiment":"neutral","sentiment_score":0.006047616557528575},{"text":"Yeah.","start":2324.135,"end":2324.535,"sentiment":"neutral","sentiment_score":-0.02464628219604492},{"text":"No.","start":2324.535,"end":2324.775,"sentiment":"neutral","sentiment_score":-0.055257830768823624},{"text":"No.","start":2324.775,"end":2325.095,"sentiment":"neutral","sentiment_score":-0.049064647406339645},{"text":"Not annoying at all, James.","start":2325.095,"end":2326.635,"sentiment":"neutral","sentiment_score":-0.060959017276763915}],"sentiment":"neutral","sentiment_score":-0.018059622403234242,"num_words":20,"start":2315.7202,"end":2326.635},{"sentences":[{"text":"Page 20.","start":2326.855,"end":2327.675,"sentiment":"neutral","sentiment_score":-0.025683648884296417},{"text":"And I got lost somewhere.","start":2335.43,"end":2336.73,"sentiment":"neutral","sentiment_score":-0.19809125661849974},{"text":"And you were like, I can't see.","start":2341.27,"end":2342.8098,"sentiment":"neutral","sentiment_score":-0.09703761019877025},{"text":"What are you talking about?","start":2343.99,"end":2345.2898,"sentiment":"neutral","sentiment_score":-0.005429809354245663},{"text":"No.","start":2345.67,"end":2346.0698,"sentiment":"neutral","sentiment_score":-0.04160034656524658}],"sentiment":"neutral","sentiment_score":-0.08949181227944791,"num_words":20,"start":2326.855,"end":2346.0698},{"sentences":[{"text":"Just page 20 and the weighted column.","start":2346.0698,"end":2348.41,"sentiment":"neutral","sentiment_score":0.00477034119623048},{"text":"And, basically, the bottom through there, the seven and five, are your more defensive.","start":2349.805,"end":2354.785,"sentiment":"neutral","sentiment_score":0.04369287884661129},{"text":"So I was telling them the fluctuations a little bit.","start":2355.0051,"end":2357.325,"sentiment":"neutral","sentiment_score":0.05294188559055328},{"text":"So you have seven percent in gold and a 5% in fixed interest for you.","start":2357.325,"end":2362.74,"sentiment":"neutral","sentiment_score":0.09368956213196118},{"text":"Does that kind of make sense?","start":2364.26,"end":2365.54,"sentiment":"neutral","sentiment_score":0.1264097938934962}],"sentiment":"neutral","sentiment_score":0.0641983412206173,"num_words":52,"start":2346.0698,"end":2365.54},{"sentences":[{"text":"I know it's probably a lot to take in.","start":2365.54,"end":2367.88,"sentiment":"neutral","sentiment_score":-0.0254897042695019},{"text":"Yep.","start":2369.38,"end":2369.88,"sentiment":"neutral","sentiment_score":0.04398830980062485},{"text":"Perfect.","start":2370.02,"end":2370.52,"sentiment":"neutral","sentiment_score":0.23526814579963684},{"text":"Yep.","start":2372.98,"end":2373.48,"sentiment":"neutral","sentiment_score":0.2138109803199768},{"text":"Now in the appendix as well, so when you do get that tomorrow, if it is something you do wanna read up on a bit more, in the appendix, I've included investment link to each and every one of these investments.","start":2374.1,"end":2386.4148,"sentiment":"neutral","sentiment_score":0.1387612966866028}],"sentiment":"neutral","sentiment_score":0.11231836342727239,"num_words":53,"start":2365.54,"end":2386.4148},{"sentences":[{"text":"So it is public.","start":2387.4348,"end":2388.315,"sentiment":"neutral","sentiment_score":0.20079394057393074},{"text":"So if you do wanna go and have a read over them, you are more than welcome through.","start":2388.315,"end":2392.4,"sentiment":"positive","sentiment_score":0.4670138292842441},{"text":"That will all be in the appendix when you receive that tomorrow as well.","start":2392.4,"end":2396.18,"sentiment":"neutral","sentiment_score":0.26418267509766985},{"text":"Yeah.","start":2397.44,"end":2397.92,"sentiment":"positive","sentiment_score":0.35694777965545654},{"text":"Perfect.","start":2397.92,"end":2398.42,"sentiment":"positive","sentiment_score":0.6131328344345093}],"sentiment":"positive","sentiment_score":0.36521217775972264,"num_words":38,"start":2387.4348,"end":2398.42},{"sentences":[{"text":"Now next up is just showing you the asset allocation.","start":2399.5198,"end":2403.8599,"sentiment":"neutral","sentiment_score":0.24573862552642822},{"text":"It is the pie chart.","start":2405.205,"end":2406.745,"sentiment":"neutral","sentiment_score":0.1892435520887375},{"text":"Can you see that?","start":2406.885,"end":2407.945,"sentiment":"neutral","sentiment_score":0.14980945736169815},{"text":"Yeah.","start":2409.2852,"end":2409.7852,"sentiment":"neutral","sentiment_score":0.07825982570648193},{"text":"And you're like, what are these numbers?","start":2411.2852,"end":2413.0652,"sentiment":"neutral","sentiment_score":0.026551617043358938}],"sentiment":"neutral","sentiment_score":0.1580356663023984,"num_words":27,"start":2399.5198,"end":2413.0652},{"sentences":[{"text":"Yeah.","start":2415.605,"end":2416.105,"sentiment":"neutral","sentiment_score":0.014175274409353731},{"text":"Look.","start":2416.725,"end":2416.965,"sentiment":"neutral","sentiment_score":0.007507868111133576},{"text":"I'm seeing numbers just not the percentages.","start":2416.965,"end":2418.985,"sentiment":"neutral","sentiment_score":-0.0007811313761132104},{"text":"Now this one here shows your risk profile at high growth, your existing portfolio, and then the proposed.","start":2421.04,"end":2427.6199,"sentiment":"neutral","sentiment_score":0.049267660102082625},{"text":"So both very much aligned with your risk profile.","start":2428.16,"end":2431.46,"sentiment":"neutral","sentiment_score":0.10577123446596993}],"sentiment":"neutral","sentiment_score":0.05152706152552532,"num_words":36,"start":2415.605,"end":2431.46},{"sentences":[{"text":"The proposed has a little bit more in growth and defensive, but still kind of both align with your risk profile as well.","start":2431.52,"end":2439.645,"sentiment":"neutral","sentiment_score":0.11332920161278351},{"text":"So that will be your defensive investment.","start":2443.785,"end":2446.045,"sentiment":"neutral","sentiment_score":0.02623820597571986},{"text":"So you will see fixed interest.","start":2446.105,"end":2447.885,"sentiment":"neutral","sentiment_score":0.04325056572755178},{"text":"It can be different alternative investments and cash, for example.","start":2448.95,"end":2452.89,"sentiment":"neutral","sentiment_score":0.030635937675833703},{"text":"So these are the ones who kind of limit fluctuations a bit more kind of slow and steady investments.","start":2453.19,"end":2459.0498,"sentiment":"neutral","sentiment_score":0.0017738111905361478}],"sentiment":"neutral","sentiment_score":0.0521508348102753,"num_words":65,"start":2431.52,"end":2459.0498},{"sentences":[{"text":"And, typically, the older you get, you might wanna start switching these.","start":2460.7898,"end":2466.375,"sentiment":"neutral","sentiment_score":0.03232030989602208},{"text":"So the older you get, the closer you get to retirement.","start":2466.375,"end":2468.635,"sentiment":"neutral","sentiment_score":0.025890622626651417},{"text":"Most people want a bit more higher and higher in defensive because these are the slow and steady.","start":2469.1748,"end":2474.855,"sentiment":"neutral","sentiment_score":0.011048544819156328},{"text":"And if you wanna retire in, let's say, two, three years, you might not wanna be in a high growth.","start":2474.855,"end":2479.52,"sentiment":"neutral","sentiment_score":-0.03756247200071812},{"text":"Because if that's the year you wanna retire and it's down, you you know what I mean?","start":2479.52,"end":2484.64,"sentiment":"neutral","sentiment_score":-0.019727817791349748}],"sentiment":"neutral","sentiment_score":-0.002757794462526456,"num_words":78,"start":2460.7898,"end":2484.64},{"sentences":[{"text":"So gradually, you wanna then start increasing it.","start":2484.64,"end":2487.28,"sentiment":"neutral","sentiment_score":0.03822449082508683},{"text":"But because you have plenty of time on the retirement, you do have obviously time through b mainly in that high growth, but just a tiny bit of that defensive for you.","start":2487.28,"end":2497.9548,"sentiment":"neutral","sentiment_score":0.09567585051991045},{"text":"Yep.","start":2498.9749,"end":2499.4548,"sentiment":"neutral","sentiment_score":0.15967120230197906},{"text":"Perfect.","start":2499.4548,"end":2499.9548,"sentiment":"neutral","sentiment_score":0.1221872866153717},{"text":"Now I'll go through the next strategy a bit quicker for you if it is something you're not really thinking about right now anyway, but I have included that for you, which is showing you the salary sacrifice that is page 22.","start":2500.7349,"end":2515.12,"sentiment":"neutral","sentiment_score":0.06686459162405559}],"sentiment":"neutral","sentiment_score":0.07687612476625613,"num_words":84,"start":2484.64,"end":2515.12},{"sentences":[{"text":"Can you see that?","start":2515.18,"end":2516.24,"sentiment":"neutral","sentiment_score":0.058358946815133095},{"text":"Yes.","start":2518.855,"end":2519.355,"sentiment":"neutral","sentiment_score":0.1195913627743721},{"text":"So this just show you what $20 per week in salary sacrifice will do.","start":2519.415,"end":2525.6748,"sentiment":"neutral","sentiment_score":0.11079078220895358},{"text":"So you can see your current position and the proposed position.","start":2527.1748,"end":2531.1948,"sentiment":"neutral","sentiment_score":0.11543013087727806},{"text":"Now it might look a little bit messy with all the numbers.","start":2531.54,"end":2534.52,"sentiment":"neutral","sentiment_score":-0.03265456280981501}],"sentiment":"neutral","sentiment_score":0.06623749492601269,"num_words":42,"start":2515.18,"end":2534.52},{"sentences":[{"text":"Essentially, to summarize it for you, if you do $20 per week in salary sacrifice, After tax in twelve months, it will mean that in in pocket, you will receive about $707 less in a year's time after tax.","start":2535.38,"end":2557.45,"sentiment":"neutral","sentiment_score":0.07699515689642002},{"text":"And you can see that taxable income.","start":2558.23,"end":2560.15,"sentiment":"neutral","sentiment_score":0.23024289309978485},{"text":"That's also how you save a little bit because it comes pretax.","start":2560.15,"end":2563.45,"sentiment":"neutral","sentiment_score":0.19695187484224638},{"text":"The difference then underneath that is then extra going into super.","start":2565.3499,"end":2570.305,"sentiment":"neutral","sentiment_score":0.10446478494189003},{"text":"So by doing $20 per week into super, you still get taxed in super, but concessionally at 15% instead of your marginal tax rate at 30.","start":2570.365,"end":2580.7048,"sentiment":"neutral","sentiment_score":0.11996162310242653}],"sentiment":"neutral","sentiment_score":0.11837946003989169,"num_words":95,"start":2535.38,"end":2580.7048},{"sentences":[{"text":"It will mean that you will put $884 extra into super.","start":2581.1648,"end":2587.5698,"sentiment":"neutral","sentiment_score":0.16821996122598648},{"text":"And when you fact factor in kind of the difference between contributions and income, it's a net of about a 177 just kind of intact that you've saved.","start":2588.0298,"end":2601.105,"sentiment":"neutral","sentiment_score":0.11985195255173105},{"text":"Yeah.","start":2602.525,"end":2602.845,"sentiment":"neutral","sentiment_score":0.10598587989807128},{"text":"Does that make sense?","start":2602.845,"end":2603.825,"sentiment":"neutral","sentiment_score":0.12042961828410625},{"text":"Perfect.","start":2605.245,"end":2605.645,"sentiment":"positive","sentiment_score":0.5181921720504761}],"sentiment":"neutral","sentiment_score":0.14027046155598427,"num_words":45,"start":2581.1648,"end":2605.645},{"sentences":[{"text":"But, again, it's just to show you, and it's perfectly fine if you don't want to do this at this point.","start":2605.645,"end":2610.66,"sentiment":"neutral","sentiment_score":0.07690221825171084},{"text":"That is no stress.","start":2611.14,"end":2611.94,"sentiment":"neutral","sentiment_score":0.09474294073879719},{"text":"It's always something we can reevaluate when, you know, cash flow and stuff a little bit better or if you just have different priorities.","start":2611.94,"end":2619.0598,"sentiment":"neutral","sentiment_score":0.0064325821585953236},{"text":"That's perfectly fine.","start":2619.0598,"end":2620.44,"sentiment":"positive","sentiment_score":0.35282378395398456},{"text":"So I'll kind of skip this and let you have a reader because, again, he outlines advantages and disadvantages and risks in regards to it, but I'll let you have a read over that in your own time.","start":2621.94,"end":2632.2148,"sentiment":"neutral","sentiment_score":0.05213562114850471}],"sentiment":"neutral","sentiment_score":0.05764361415058374,"num_words":90,"start":2605.645,"end":2632.2148},{"sentences":[{"text":"Now do you have any other questions so far before I move on to your insurance recommendation?","start":2633.155,"end":2638.055,"sentiment":"neutral","sentiment_score":0.03479001923080753},{"text":"No?","start":2640.44,"end":2640.68,"sentiment":"neutral","sentiment_score":-0.10930678993463516},{"text":"Okay.","start":2640.68,"end":2641.16,"sentiment":"neutral","sentiment_score":-0.0040540918707847595},{"text":"Perfect.","start":2641.16,"end":2641.66,"sentiment":"positive","sentiment_score":0.4517019093036651},{"text":"Now with the insurance and, again, I have included different options for you in the appendix because I know when we spoke last time, you said it kind of depends on the price for you.","start":2642.52,"end":2653.775,"sentiment":"neutral","sentiment_score":0.020408686516540393}],"sentiment":"neutral","sentiment_score":0.02989227968183431,"num_words":55,"start":2633.155,"end":2653.775},{"sentences":[{"text":"You want as much as possible to give you and this family that protection if something were to happen.","start":2654.075,"end":2658.975,"sentiment":"neutral","sentiment_score":0.05453387530226456},{"text":"But, obviously, without knowing the price, it could impact things.","start":2659.195,"end":2662.795,"sentiment":"neutral","sentiment_score":-0.17408658675849437},{"text":"So I'll run through because I have the the figures in front of me.","start":2662.795,"end":2666.8801,"sentiment":"neutral","sentiment_score":0.008747213021186846},{"text":"Again, it might make more sense when you see the alternative, and the option is ultimately completely up to you which which ones you feel the most comfortable with.","start":2666.9402,"end":2675.625,"sentiment":"neutral","sentiment_score":0.12956499822180848},{"text":"Now I did have a look at your one path insurance as well, and looked at just keeping that and alterating it through increasing the TPD up to life a little bit.","start":2677.865,"end":2688.93,"sentiment":"neutral","sentiment_score":0.044954457436688244}],"sentiment":"neutral","sentiment_score":0.04436217626789585,"num_words":104,"start":2654.075,"end":2688.93},{"sentences":[{"text":"But your one pass insurance, even though it has the same underwriter as Zurich, which is the one I have recommended, it was a bit more expensive and not as comprehensive.","start":2689.17,"end":2699.43,"sentiment":"neutral","sentiment_score":-0.2090445646355229},{"text":"So I have recommended that we cancel one pass and apply with Zurich instead.","start":2699.8098,"end":2705.805,"sentiment":"neutral","sentiment_score":-0.14664838689246348},{"text":"It is very similar, though, in the process.","start":2707.1448,"end":2709.7048,"sentiment":"neutral","sentiment_score":0.036453074775636196},{"text":"They're both very comprehensive options.","start":2709.7048,"end":2711.8848,"sentiment":"neutral","sentiment_score":0.13685247004032136},{"text":"They're both underwritten, which is what makes the cover so good that, you know, because you are kind of locking into a contract with them when you apply for the cover, that means that anything after that point in time, you are covered.","start":2712.1848,"end":2726.1199,"sentiment":"neutral","sentiment_score":0.21378973438296206}],"sentiment":"neutral","sentiment_score":0.016191946600775907,"num_words":101,"start":2689.17,"end":2726.1199},{"sentences":[{"text":"So if you change your occupation and you become an underground minor or you take up a super risky occupation, you are still covered.","start":2726.5,"end":2734.825,"sentiment":"neutral","sentiment_score":0.07346510452528794},{"text":"Or if anything were to happen to you health wise, you are still covered, which is what makes it so competitive.","start":2734.825,"end":2740.605,"sentiment":"neutral","sentiment_score":0.09024275679673467},{"text":"Does that make sense?","start":2741.305,"end":2742.445,"sentiment":"neutral","sentiment_score":0.07092728186398745},{"text":"Yep.","start":2743.8801,"end":2744.36,"sentiment":"neutral","sentiment_score":0.29761451482772827},{"text":"Perfect.","start":2744.36,"end":2744.84,"sentiment":"positive","sentiment_score":0.5199252367019653}],"sentiment":"neutral","sentiment_score":0.09332371137890161,"num_words":51,"start":2726.5,"end":2744.84},{"sentences":[{"text":"So what I have recommended here on this page is the most amount of cover.","start":2744.84,"end":2749.02,"sentiment":"neutral","sentiment_score":0.2752072791258494},{"text":"So it's a million dollars worth of life and total permanent disability insurance.","start":2749.08,"end":2754.78,"sentiment":"neutral","sentiment_score":0.16042308452037665},{"text":"Now the way that I have them structured to reduce the premium is to having them linked.","start":2755.715,"end":2761.575,"sentiment":"neutral","sentiment_score":0.13672820697812474},{"text":"Basically, what that means is that whichever event happens first is what you will be paid on.","start":2762.5151,"end":2768.135,"sentiment":"neutral","sentiment_score":0.11402741293696796},{"text":"So let's say claim TPD, something were to happen, you get paid a million dollars, it cancels your life policy.","start":2768.355,"end":2775.9402,"sentiment":"neutral","sentiment_score":-0.0005423909053206444}],"sentiment":"neutral","sentiment_score":0.12762935373296097,"num_words":82,"start":2744.84,"end":2775.9402},{"sentences":[{"text":"But I just added in a buyback option, which after twelve months reinstates your life.","start":2776.56,"end":2783.1401,"sentiment":"neutral","sentiment_score":0.10360251317421595},{"text":"So if something were to happen after twelve months, it's then reinstated.","start":2783.335,"end":2787.0352,"sentiment":"neutral","sentiment_score":0.2087296905616919},{"text":"And it just makes it so much cheaper for you than having them completely stand alone.","start":2787.575,"end":2793.0151,"sentiment":"positive","sentiment_score":0.6613525822758675},{"text":"It actually makes it cheaper than if you said to me, I only want TPD, which is kinda funny, but it just the insurance has multi policy discount, which does make it a bit cheaper.","start":2793.0151,"end":2803.3499,"sentiment":"positive","sentiment_score":0.4558872299534934},{"text":"Now income protection, I have also added for you, and that is 70% of your income on a monthly basis, which will pay you a monthly amount of 7,292.","start":2805.49,"end":2819.085,"sentiment":"neutral","sentiment_score":0.2540719981851249}],"sentiment":"positive","sentiment_score":0.35480912426643285,"num_words":107,"start":2776.56,"end":2819.085},{"sentences":[{"text":"I have added a, s three contribution feature.","start":2819.625,"end":2823.785,"sentiment":"neutral","sentiment_score":0.2743957359343767},{"text":"Again, it's not something you have to have, but it is quite good, which means that even if something were to happen to you and you are not working and you are getting income protection, you are still getting contributions into your super of about that 1,250 from the insurer, which is really good.","start":2823.785,"end":2841.07,"sentiment":"positive","sentiment_score":0.3574059655268987},{"text":"Superannuation guarantee contribution.","start":2842.715,"end":2844.895,"sentiment":"neutral","sentiment_score":0.08741636822621028},{"text":"It means your employer contribution.","start":2845.0352,"end":2846.575,"sentiment":"neutral","sentiment_score":0.06275529935956001},{"text":"So, basically, it means that 1,250 per month will be paid in correct.","start":2848.635,"end":2855.43,"sentiment":"neutral","sentiment_score":0.08974769983727199}],"sentiment":"neutral","sentiment_score":0.27997390030468083,"num_words":83,"start":2819.625,"end":2855.43},{"sentences":[{"text":"So even though you're not getting any form and your employer is not paying for it, the insurance will will put that in while you are on claim.","start":2855.43,"end":2863.05,"sentiment":"neutral","sentiment_score":-0.031091317484554435},{"text":"Yeah.","start":2868.725,"end":2868.965,"sentiment":"neutral","sentiment_score":0.04493209719657898},{"text":"That's that's a very good question.","start":2868.965,"end":2870.5051,"sentiment":"neutral","sentiment_score":0.13708476598064104},{"text":"Now with insurance, income protection that used to be two definitions back in the days, and now only new and policies have indemnity style.","start":2871.205,"end":2878.56,"sentiment":"neutral","sentiment_score":0.015803509935115773},{"text":"You used to have an agreed definition and indemnity style.","start":2878.96,"end":2881.9202,"sentiment":"neutral","sentiment_score":0.05289393998682499}],"sentiment":"neutral","sentiment_score":0.013117499156868544,"num_words":69,"start":2855.43,"end":2881.9202},{"sentences":[{"text":"Indemnity style means that that is the income at the time of claim.","start":2881.9202,"end":2887.46,"sentiment":"neutral","sentiment_score":0.07122032344341278},{"text":"So it is important to keep reviewing them, especially as your income change.","start":2887.76,"end":2892.24,"sentiment":"neutral","sentiment_score":0.13574657933070108},{"text":"So for example, if your income at the time of something were to happen to you is 80,000, even though you are covered for more, you are only gonna get paid for 70 percent of 80,000 because that is your income at the time of the claim.","start":2892.24,"end":2908.32,"sentiment":"neutral","sentiment_score":0.1002801406256696},{"text":"On the other side, though, that if you are your income is, let's say, 300,000, because you are only insured for up to 7,292, even though your income might be more, you are only going to get 70% of what you are insured for.","start":2910.8801,"end":2930.215,"sentiment":"neutral","sentiment_score":0.0043568603948436},{"text":"So that is why it is important to review them.","start":2930.595,"end":2933.975,"sentiment":"neutral","sentiment_score":0.016000082716345787}],"sentiment":"neutral","sentiment_score":0.06106644905516951,"num_words":127,"start":2881.9202,"end":2933.975},{"sentences":[{"text":"Now the good thing with Zurich is that every twelve months within thirty day of the anniversary period now you don't have to remember this, but you can do an increase with up to 15% of income without having to go through underwriting, which is really good.","start":2934.3,"end":2950.635,"sentiment":"positive","sentiment_score":0.3861663522238427},{"text":"Because otherwise, every time you increase the cover, the insurers are like, woah.","start":2950.775,"end":2954.775,"sentiment":"neutral","sentiment_score":0.01864598634151312},{"text":"You we are taking on more risk, so you have to go through the underwriting process again.","start":2954.775,"end":2958.555,"sentiment":"neutral","sentiment_score":-0.03161336437744253},{"text":"And the old definitions of agreed value was that it was agreed upon at the time of the policy.","start":2960.0698,"end":2965.69,"sentiment":"neutral","sentiment_score":0.046176739037036896},{"text":"So the benefit of that was, like, if your income when you took out the policy was 300,000, even if your income at the time of claim was 20,000, you would get 70% of 300,000.","start":2965.99,"end":2978.0752,"sentiment":"neutral","sentiment_score":0.0666671800826277}],"sentiment":"neutral","sentiment_score":0.1608053322682399,"num_words":131,"start":2934.3,"end":2978.0752},{"sentences":[{"text":"But as you can probably imagine, a lot of people were sometimes better off on income protection claim than you were working.","start":2978.5352,"end":2985.8352,"sentiment":"neutral","sentiment_score":-0.18881168809126725},{"text":"Sorry.","start":2986.0552,"end":2986.375,"sentiment":"neutral","sentiment_score":-0.2583741843700409},{"text":"The insurance paid a lot of money, so they changed that.","start":2986.375,"end":2989.38,"sentiment":"neutral","sentiment_score":-0.2502138072794134},{"text":"So new policies, you can't get that anymore.","start":2989.94,"end":2992.2798,"sentiment":"neutral","sentiment_score":-0.2044529877603054},{"text":"So that is a good question.","start":2994.42,"end":2995.72,"sentiment":"neutral","sentiment_score":0.08424694339434306}],"sentiment":"neutral","sentiment_score":-0.17280678008683026,"num_words":48,"start":2978.5352,"end":2995.72},{"sentences":[{"text":"Now I have looked at the waiting period of thirty days.","start":2997.2998,"end":3001.22,"sentiment":"neutral","sentiment_score":0.00532902218401432},{"text":"Now we did look at as short as possible for you as well.","start":3001.22,"end":3004.425,"sentiment":"neutral","sentiment_score":0.02209745576748481},{"text":"Obviously, finances, a lot of people can't survive very long without an income.","start":3004.585,"end":3009.245,"sentiment":"neutral","sentiment_score":-0.11745984193224174},{"text":"Zurich and OnePath are the only providers where you only have to wait fifteen days after waiting period before you get paid.","start":3010.2651,"end":3019.325,"sentiment":"neutral","sentiment_score":0.0446973480284214},{"text":"All the other providers is thirty days.","start":3019.7002,"end":3022.04,"sentiment":"neutral","sentiment_score":0.0026418848761490415}],"sentiment":"neutral","sentiment_score":-0.00271601402059649,"num_words":66,"start":2997.2998,"end":3022.04},{"sentences":[{"text":"So that would mean that you would wait thirty days plus fifteen before you get paid, so it's forty five, but all the other providers, you'd wait sixty.","start":3022.82,"end":3032.6,"sentiment":"neutral","sentiment_score":0.03239673801830837},{"text":"So that is that is an added benefit with Zurich.","start":3034.405,"end":3037.2249,"sentiment":"neutral","sentiment_score":0.25045508742332456},{"text":"Now I have recommended here to show you the most comprehensive option on your income protection, which shows you of having the income protection all the way up to the age of 65.","start":3037.765,"end":3050.3699,"sentiment":"neutral","sentiment_score":0.13814233593416936},{"text":"So that is if something were to happen, you can get paid all the way up to the age of 65 if you can't work.","start":3052.27,"end":3057.7898,"sentiment":"neutral","sentiment_score":0.06970114329829812},{"text":"So this is the most comprehensive option, also the most So all those three, you can see here that the total premium is 3,364.","start":3057.7898,"end":3069.795,"sentiment":"neutral","sentiment_score":0.3021631858622034}],"sentiment":"neutral","sentiment_score":0.1413733472310317,"num_words":120,"start":3022.82,"end":3069.795},{"sentences":[{"text":"Now just for reference, your life and TPD alone at the moment with one pass is 2,521, and that doesn't include income protection, which is the most expensive.","start":3071.535,"end":3086.18,"sentiment":"neutral","sentiment_score":-0.0635846513656101},{"text":"Now no.","start":3087.485,"end":3090.145,"sentiment":"neutral","sentiment_score":-0.0809924304485321},{"text":"Now in the appendix, which, again, you will see tomorrow, I have included an alternative income protection configuration.","start":3090.605,"end":3098.145,"sentiment":"neutral","sentiment_score":0.03248531661099858},{"text":"So life's the same, TPD the same, income per section exactly the same, but the benefit period instead of being all the way to the age of 65 is showing you five years.","start":3098.5251,"end":3111.62,"sentiment":"neutral","sentiment_score":0.07209013199264352},{"text":"So a little bit less to still show you that, and the premium for that is 1,853.","start":3112.24,"end":3121.945,"sentiment":"neutral","sentiment_score":0.0742259433164316}],"sentiment":"neutral","sentiment_score":0.023297918285718377,"num_words":98,"start":3071.535,"end":3121.945},{"sentences":[{"text":"So it does make a bit of a difference in price, but it also means you're only covered for five years instead of all the way up to the age of 65.","start":3123.7651,"end":3131.96,"sentiment":"neutral","sentiment_score":0.0617151710903272},{"text":"Yep.","start":3133.22,"end":3133.72,"sentiment":"neutral","sentiment_score":0.08225078880786896},{"text":"Now the good thing with the insurance as well, I always say that if it is affordable, it's always better to start higher because it's super easy to decrease it.","start":3134.1,"end":3143.145,"sentiment":"neutral","sentiment_score":0.28283799389998115},{"text":"If, for example, you say, you know, I'm happy to start with age 65, but the older you get, the more expensive they're gonna become.","start":3143.625,"end":3150.125,"sentiment":"neutral","sentiment_score":-0.09918961887247861},{"text":"So in a couple of years, if you were to say, do you know what?","start":3150.345,"end":3152.745,"sentiment":"neutral","sentiment_score":-0.15418772300084432}],"sentiment":"neutral","sentiment_score":0.05582252197935092,"num_words":103,"start":3123.7651,"end":3152.745},{"sentences":[{"text":"I feel like it's getting more expensive.","start":3152.745,"end":3154.185,"sentiment":"negative","sentiment_score":-0.395576285464423},{"text":"Let's reduce it to five years.","start":3154.185,"end":3155.885,"sentiment":"neutral","sentiment_score":-0.07234604718784492},{"text":"It's a quick form.","start":3155.945,"end":3156.905,"sentiment":"neutral","sentiment_score":0.14739898033440113},{"text":"The insurers are happy to take take more take on more risk less risk.","start":3156.905,"end":3160.9,"sentiment":"neutral","sentiment_score":0.06991017929145268},{"text":"But if you say the opposite, let's say you start with five years, and then in a couple of years, you go, oh, do you know what?","start":3161.2798,"end":3167.1199,"sentiment":"neutral","sentiment_score":-0.0889860061859643}],"sentiment":"neutral","sentiment_score":-0.06961024167208836,"num_words":58,"start":3152.745,"end":3167.1199},{"sentences":[{"text":"I wanna increase it to age 65.","start":3167.1199,"end":3169.2998,"sentiment":"neutral","sentiment_score":-0.044229289782898765},{"text":"Because the insurers will take on more risk, they will say, okay.","start":3169.68,"end":3173.395,"sentiment":"neutral","sentiment_score":-0.22790016482273737},{"text":"Well, we have to go and assess everything again, your medical, your health, your lifestyle, because they are taking on more risk.","start":3173.395,"end":3179.4749,"sentiment":"neutral","sentiment_score":-0.16599620946428992},{"text":"And if something's happened to you in that time frame, you know, you might not be able to get covered.","start":3179.4749,"end":3184.115,"sentiment":"neutral","sentiment_score":-0.1916075799614191},{"text":"Does that make sense, Jim?","start":3184.115,"end":3185.4949,"sentiment":"neutral","sentiment_score":0.08320260345935822}],"sentiment":"neutral","sentiment_score":-0.15321912418938044,"num_words":66,"start":3167.1199,"end":3185.4949},{"sentences":[{"text":"Yeah.","start":3186.9102,"end":3187.3901,"sentiment":"positive","sentiment_score":0.3994861841201782},{"text":"Perfect.","start":3187.3901,"end":3187.87,"sentiment":"positive","sentiment_score":0.6452475786209106},{"text":"But, again, the options are there, so it's completely up to you what you are comfortable with.","start":3187.87,"end":3192.21,"sentiment":"positive","sentiment_score":0.3713300420957453},{"text":"Now almost at the end for you, which is then showing you page 26, which is your trauma recommendation.","start":3194.27,"end":3201.575,"sentiment":"neutral","sentiment_score":0.01790086199578486},{"text":"Do you remember what the trauma was?","start":3202.195,"end":3204.535,"sentiment":"neutral","sentiment_score":-0.002566461717443807}],"sentiment":"neutral","sentiment_score":0.17065545831703477,"num_words":45,"start":3186.9102,"end":3204.535},{"sentences":[{"text":"Yes.","start":3212.435,"end":3212.935,"sentiment":"neutral","sentiment_score":-0.01587456651031971},{"text":"Yes.","start":3214.14,"end":3214.64,"sentiment":"neutral","sentiment_score":0.026063991710543633},{"text":"Yes.","start":3214.8599,"end":3215.26,"sentiment":"neutral","sentiment_score":0.03068666160106659},{"text":"No.","start":3215.26,"end":3215.66,"sentiment":"neutral","sentiment_score":-0.04218072444200516},{"text":"Very much.","start":3215.66,"end":3216.22,"sentiment":"neutral","sentiment_score":-0.009828830137848854}],"sentiment":"neutral","sentiment_score":-0.003493716319402059,"num_words":6,"start":3212.435,"end":3216.22},{"sentences":[{"text":"So it's a lump sum payment that is completely tax free.","start":3216.22,"end":3220.4,"sentiment":"neutral","sentiment_score":0.10085904361172156},{"text":"It's paid through you if you suffer a traumatic event.","start":3220.54,"end":3224.0,"sentiment":"neutral","sentiment_score":0.002408481389284134},{"text":"So that would be your biggest ones, like cancer, stroke, heart attack, different neurological conditions.","start":3225.595,"end":3231.375,"sentiment":"neutral","sentiment_score":-0.028522290537754694},{"text":"And you just need to get that the definitions from the doctor, and you will then be paid out a lump sum payment completely tax free.","start":3231.675,"end":3238.815,"sentiment":"neutral","sentiment_score":0.096384447067976},{"text":"Again, this is just to show you the premium.","start":3239.1,"end":3241.52,"sentiment":"neutral","sentiment_score":0.1520742028951645}],"sentiment":"neutral","sentiment_score":0.06451216035745513,"num_words":71,"start":3216.22,"end":3241.52},{"sentences":[{"text":"So at the end of the day, you can decide what you would like to do.","start":3241.6602,"end":3245.28,"sentiment":"neutral","sentiment_score":0.13369854306802154},{"text":"Now I have done two options for you again because we spoke about that last time.","start":3245.82,"end":3249.74,"sentiment":"neutral","sentiment_score":0.12146116467192769},{"text":"So I've shown you here, again, the most comprehensive, which is 200,000.","start":3249.74,"end":3254.0,"sentiment":"neutral","sentiment_score":0.11307136714458466},{"text":"That is 2 100,000 worth of trauma.","start":3254.625,"end":3256.965,"sentiment":"neutral","sentiment_score":0.025838480464049747},{"text":"Now I have added a secondary life policy.","start":3257.425,"end":3260.725,"sentiment":"neutral","sentiment_score":0.07247535977512598}],"sentiment":"neutral","sentiment_score":0.10508616900039931,"num_words":59,"start":3241.6602,"end":3260.725},{"sentences":[{"text":"The only reason I have that is to reduce the trauma price because, again, that kind of multi policy discount.","start":3261.345,"end":3268.725,"sentiment":"neutral","sentiment_score":-0.015679343789815902},{"text":"That is the only reason.","start":3269.26,"end":3270.56,"sentiment":"neutral","sentiment_score":-0.016599726304411887},{"text":"Of 200,000.","start":3273.5,"end":3274.54,"sentiment":"neutral","sentiment_score":-0.02726661041378975},{"text":"So that would be if you would pass away, that will be an additional 200,000 paid to your family.","start":3274.54,"end":3279.52,"sentiment":"neutral","sentiment_score":-0.03932829750211615},{"text":"Yes.","start":3281.835,"end":3282.335,"sentiment":"neutral","sentiment_score":0.022890914231538773}],"sentiment":"neutral","sentiment_score":-0.025009903541587768,"num_words":47,"start":3261.345,"end":3282.335},{"sentences":[{"text":"Exactly.","start":3282.635,"end":3283.135,"sentiment":"neutral","sentiment_score":0.023740118369460102},{"text":"So it'll be 1.3.","start":3283.435,"end":3285.295,"sentiment":"neutral","sentiment_score":0.007347390754148364},{"text":"Again, the only reason I have done that is to reduce the trauma out of pocket because it's more expensive to do it by itself, which, again, seems weird.","start":3285.675,"end":3297.29,"sentiment":"neutral","sentiment_score":-0.1580845513220491},{"text":"It just makes it cheaper.","start":3297.29,"end":3298.43,"sentiment":"neutral","sentiment_score":-0.1309014678001404},{"text":"And now I have shown you so this one here will be $32.40 per month for both of those.","start":3300.09,"end":3307.87,"sentiment":"neutral","sentiment_score":0.016776502230449727}],"sentiment":"neutral","sentiment_score":-0.08391510523406082,"num_words":58,"start":3282.635,"end":3307.87},{"sentences":[{"text":"I have shown you in the appendix, which, again, you will see tomorrow, of a 100,000.","start":3308.825,"end":3315.005,"sentiment":"neutral","sentiment_score":0.07247526990249753},{"text":"The premium for a 100,000 is $16.64 per month.","start":3315.865,"end":3320.9248,"sentiment":"neutral","sentiment_score":0.05644182571106487},{"text":"Does that make sense?","start":3322.55,"end":3323.69,"sentiment":"neutral","sentiment_score":0.10958422720432281},{"text":"Yeah.","start":3324.87,"end":3325.35,"sentiment":"neutral","sentiment_score":0.189792200922966},{"text":"Perfect.","start":3325.35,"end":3325.85,"sentiment":"neutral","sentiment_score":0.32672223448753357}],"sentiment":"neutral","sentiment_score":0.08459458367959145,"num_words":31,"start":3308.825,"end":3325.85},{"sentences":[{"text":"Underneath it, you can then see your one path insurance as well that we would obviously look through to change that.","start":3326.31,"end":3334.49,"sentiment":"neutral","sentiment_score":0.08442645449013937},{"text":"Now, again, it shows that best interest due to going back to that again, making sure we always take your best interest at heart and that the advice will align with your goals.","start":3336.4949,"end":3345.4548,"sentiment":"positive","sentiment_score":0.5567416390686324},{"text":"So, again, I'll let you have a read over that in your own time because I know I've kept you on the phone for a while.","start":3345.4548,"end":3350.6702,"sentiment":"neutral","sentiment_score":0.2611509475570459},{"text":"But, essentially, everything we've kind of gone over, it's kind of put in black and white for you.","start":3351.1301,"end":3356.6702,"sentiment":"neutral","sentiment_score":0.2349061535464393},{"text":"It also on page 28, you'll see a little bit of a table, just of a needs analysis, which is kind of what we discussed last time.","start":3357.53,"end":3365.7449,"sentiment":"neutral","sentiment_score":0.13263559727757065}],"sentiment":"neutral","sentiment_score":0.27795860928297045,"num_words":125,"start":3326.31,"end":3365.7449},{"sentences":[{"text":"It's just putting the numbers there.","start":3365.7449,"end":3367.445,"sentiment":"neutral","sentiment_score":0.10802563652396202},{"text":"So if something were to happen for life and TPD, paying out all the debts, having a bit for funeral expenses, also, it will be about four years worth of income replacement if something were to happen to you.","start":3367.7449,"end":3376.688,"sentiment":"neutral","sentiment_score":0.11446995087541066},{"text":"And that gets us that outcome.","start":3376.688,"end":3378.65,"sentiment":"neutral","sentiment_score":0.18348466356595358},{"text":"That is just outcome.","start":3387.75,"end":3392.875,"sentiment":"neutral","sentiment_score":0.16872185096144676},{"text":"That is just to show you if you were to say, you know what?","start":3392.875,"end":3396.075,"sentiment":"neutral","sentiment_score":0.17746111590947425}],"sentiment":"neutral","sentiment_score":0.13583670885882515,"num_words":69,"start":3365.7449,"end":3396.075},{"sentences":[{"text":"I'm happy with Zip, but I don't want insurances, what the outcome will be.","start":3396.075,"end":3400.2349,"sentiment":"neutral","sentiment_score":0.0139004931386028},{"text":"But even if you look at, like, say, five years, it's not a great deal difference, but it will mean that if something were to happen, you will have a life activity and income protection to protect you and the family.","start":3400.2349,"end":3413.11,"sentiment":"neutral","sentiment_score":0.17538533105355938},{"text":"Yeah.","start":3414.69,"end":3415.19,"sentiment":"neutral","sentiment_score":0.10375417768955232},{"text":"Again, on the next pages, it'll put everything into words.","start":3416.1301,"end":3420.21,"sentiment":"neutral","sentiment_score":0.043978290632367134},{"text":"So you'll have advantages in recommendation, disadvantages, also some risks to be mindful of.","start":3420.21,"end":3429.115,"sentiment":"neutral","sentiment_score":-0.12619090186698095}],"sentiment":"neutral","sentiment_score":0.0770283741876483,"num_words":80,"start":3396.075,"end":3429.115},{"sentences":[{"text":"One of the biggest risk is making sure that when we do the insurance application, you answer the questions truthfully.","start":3430.615,"end":3436.555,"sentiment":"neutral","sentiment_score":-0.29655263051390646},{"text":"So if something ever were to happen come claim time, that's all correct.","start":3437.1099,"end":3441.3699,"sentiment":"neutral","sentiment_score":-0.14583190960379747},{"text":"Otherwise, disadvantage is if you do want trauma, you'll have to pay a little bit out of pocket.","start":3442.8699,"end":3447.69,"sentiment":"negative","sentiment_score":-0.5767536924944984},{"text":"And, obviously, adding income protection overall, even though it is better value for money, it is a little bit more expensive if you do decide to go with the $8.65 benefit option.","start":3448.23,"end":3458.385,"sentiment":"negative","sentiment_score":-0.37790877977386117},{"text":"Now the last thing I do wanna mention with the insurances is at the bottom of page 30.","start":3460.125,"end":3465.745,"sentiment":"neutral","sentiment_score":-0.009341475398590168}],"sentiment":"neutral","sentiment_score":-0.30167981594026383,"num_words":101,"start":3430.615,"end":3465.745},{"sentences":[{"text":"Can you see page 30?","start":3466.125,"end":3468.145,"sentiment":"neutral","sentiment_score":0.003688463941216469},{"text":"Yep.","start":3471.4802,"end":3471.9802,"sentiment":"neutral","sentiment_score":0.035423219203948975},{"text":"Now I know as well we spoke a little bit about trauma for children if something were to happen.","start":3472.4402,"end":3478.3,"sentiment":"neutral","sentiment_score":-0.1377409239740748},{"text":"So on the current trauma, but you were kind of leaning more towards just the added option for for cost purposes.","start":3479.1602,"end":3487.175,"sentiment":"neutral","sentiment_score":-0.05099949178596338},{"text":"So for both the 100,000 and the 200, I've included this option for you.","start":3487.315,"end":3492.69,"sentiment":"neutral","sentiment_score":0.1081155857869557}],"sentiment":"neutral","sentiment_score":-0.03534305238475402,"num_words":60,"start":3466.125,"end":3492.69},{"sentences":[{"text":"And that essentially, as you can see that, it means that it will pay a benefit if one of your children between the ages of two and 18 suffer from a specific event.","start":3493.17,"end":3505.035,"sentiment":"neutral","sentiment_score":0.086270544621529},{"text":"Now in the PDF, it will actually outline what all of those are for you.","start":3505.595,"end":3509.775,"sentiment":"neutral","sentiment_score":0.10531002730131149},{"text":"So a lot of information, but it will give you a bit of a buffer if something were to happen to any of your children.","start":3510.795,"end":3517.74,"sentiment":"neutral","sentiment_score":0.1718604102730751},{"text":"And it's also there's also an additional 5,000 funeral benefit if something ever were to happen at all.","start":3518.04,"end":3523.8801,"sentiment":"neutral","sentiment_score":0.03515434616969691},{"text":"And that's all just added to your trauma policy.","start":3523.8801,"end":3526.3,"sentiment":"neutral","sentiment_score":-0.011937148869037628}],"sentiment":"neutral","sentiment_score":0.09248432530090213,"num_words":100,"start":3493.17,"end":3526.3},{"sentences":[{"text":"Any questions so far?","start":3528.9202,"end":3530.12,"sentiment":"neutral","sentiment_score":-0.0011433928739279509},{"text":"No.","start":3530.12,"end":3530.36,"sentiment":"neutral","sentiment_score":-0.21604563295841217},{"text":"It's probably a lot with insurances as well.","start":3530.36,"end":3532.995,"sentiment":"neutral","sentiment_score":-0.1986581962555647},{"text":"No.","start":3534.735,"end":3535.235,"sentiment":"neutral","sentiment_score":-0.3219984769821167},{"text":"Yes.","start":3537.855,"end":3538.355,"sentiment":"neutral","sentiment_score":-0.005588619038462639}],"sentiment":"neutral","sentiment_score":-0.1424981247012814,"num_words":15,"start":3528.9202,"end":3538.355},{"sentences":[{"text":"Which is why I wanna make sure you can have your time to go through it.","start":3539.135,"end":3543.33,"sentiment":"neutral","sentiment_score":0.12544461246579885},{"text":"I do wanna mention that there is a lot so at the bottom of page 32, there is a lot of different insurances, a lot of research that goes into choosing the best one for you.","start":3544.21,"end":3553.75,"sentiment":"neutral","sentiment_score":0.08160272695951992},{"text":"So option looked at was talus and that MetLife meals.","start":3554.05,"end":3557.57,"sentiment":"neutral","sentiment_score":0.14038550108671188},{"text":"Also, one part when factoring in price and what the features are.","start":3557.57,"end":3562.295,"sentiment":"neutral","sentiment_score":0.0992656188706557},{"text":"Zero came out the most the best one for you specifically.","start":3562.295,"end":3565.915,"sentiment":"neutral","sentiment_score":0.15444943105632608}],"sentiment":"neutral","sentiment_score":0.10869174292858909,"num_words":85,"start":3539.135,"end":3565.915},{"sentences":[{"text":"Now I'll kind of skip over the beneficiaries.","start":3567.655,"end":3569.835,"sentiment":"neutral","sentiment_score":0.006358266808092594},{"text":"We touched on that last time.","start":3569.975,"end":3571.835,"sentiment":"neutral","sentiment_score":0.02072289710243543},{"text":"Obviously, going to your spouse, completely tax free.","start":3572.8298,"end":3575.47,"sentiment":"neutral","sentiment_score":0.11700157541781664},{"text":"Children 18, completely tax free as well.","start":3575.47,"end":3578.19,"sentiment":"neutral","sentiment_score":0.1656592163656439},{"text":"So there's just a little bit of information on that.","start":3578.19,"end":3580.69,"sentiment":"neutral","sentiment_score":0.1160073846578598}],"sentiment":"neutral","sentiment_score":0.08797190978358953,"num_words":39,"start":3567.655,"end":3580.69},{"sentences":[{"text":"I've also just included some information in regards to a will and power of attorney.","start":3580.99,"end":3585.63,"sentiment":"neutral","sentiment_score":0.17263400554656982},{"text":"I do always recommend that it is good for everyone to have.","start":3585.63,"end":3588.905,"sentiment":"positive","sentiment_score":0.43733803431193036},{"text":"But, again, it's just information there for you, which then kind of takes us almost at the end, which is just you're showing your ongoing services.","start":3588.905,"end":3599.485,"sentiment":"neutral","sentiment_score":0.0871560903122792},{"text":"That is page 40, which just mean that we are at every 12 months, at a minimum, we'll go through a comprehensive and a review, which is where we reassess everything.","start":3599.865,"end":3611.8801,"sentiment":"neutral","sentiment_score":0.07310742187884546},{"text":"So if anything's changed in your life where we might need to make changes with advice, if there's any changes with investments we want to do, at a minimum every 12, we will do that.","start":3611.8801,"end":3621.985,"sentiment":"neutral","sentiment_score":0.0719666457601956}],"sentiment":"neutral","sentiment_score":0.12511586153707585,"num_words":119,"start":3580.99,"end":3621.985},{"sentences":[{"text":"We can do it more frequently.","start":3621.985,"end":3623.345,"sentiment":"neutral","sentiment_score":0.2751931995153427},{"text":"I have some clients who want them more frequently.","start":3623.345,"end":3625.445,"sentiment":"neutral","sentiment_score":0.28153977460331386},{"text":"Some people are more than happy to just do it once a year on unless something happens to the market, obviously.","start":3625.905,"end":3631.84,"sentiment":"neutral","sentiment_score":0.3195574226833525},{"text":"But that basically shows you all of that.","start":3632.7002,"end":3634.7002,"sentiment":"neutral","sentiment_score":0.261243412271142},{"text":"But it also gives you access through, you know, continuous advice.","start":3634.7002,"end":3638.4602,"sentiment":"positive","sentiment_score":0.3539044965397228}],"sentiment":"neutral","sentiment_score":0.3068839964541522,"num_words":55,"start":3621.985,"end":3638.4602},{"sentences":[{"text":"So if there's ever anything that you want help or guidance on or advice in any areas, you can always give us a call.","start":3638.4602,"end":3643.725,"sentiment":"neutral","sentiment_score":0.2660795996586482},{"text":"You can call me once a week or once a month.","start":3643.725,"end":3646.0452,"sentiment":"neutral","sentiment_score":0.2126551392403516},{"text":"You know, it doesn't change the fee in any way.","start":3646.0452,"end":3648.5251,"sentiment":"neutral","sentiment_score":0.17803047224879265},{"text":"You always have access to it.","start":3648.5251,"end":3650.3052,"sentiment":"neutral","sentiment_score":0.32183995346228284},{"text":"Yep.","start":3651.485,"end":3651.985,"sentiment":"neutral","sentiment_score":0.1624346822500229}],"sentiment":"neutral","sentiment_score":0.24228646248005903,"num_words":52,"start":3638.4602,"end":3651.985},{"sentences":[{"text":"Now the last information is just a little bit of important information.","start":3652.8452,"end":3657.56,"sentiment":"neutral","sentiment_score":0.037455730916311346},{"text":"Again, I'll let you have a read over it.","start":3657.62,"end":3659.6401,"sentiment":"neutral","sentiment_score":0.06423082368241416},{"text":"I do wanna point out as well that you do have a fourteen day cooling off period.","start":3659.7002,"end":3663.62,"sentiment":"neutral","sentiment_score":0.0868876642164062},{"text":"So if you decide that you, you know, wanna go ahead and apply for life insurance and super and everything like that, you change your mind, you do have a fourteen day cooling off period, but there is no lock in contract.","start":3663.62,"end":3675.895,"sentiment":"neutral","sentiment_score":0.08213661939260505},{"text":"There's no lock in contract with us either.","start":3675.955,"end":3678.0352,"sentiment":"neutral","sentiment_score":-0.04119076859205961}],"sentiment":"neutral","sentiment_score":0.06391873115419665,"num_words":88,"start":3652.8452,"end":3678.0352},{"sentences":[{"text":"So if you decide that you okay.","start":3678.0352,"end":3679.7952,"sentiment":"neutral","sentiment_score":0.042575210865054815},{"text":"Cool.","start":3679.7952,"end":3680.0352,"sentiment":"positive","sentiment_score":0.390066921710968},{"text":"I wanna give it a go.","start":3680.0352,"end":3681.3152,"sentiment":"neutral","sentiment_score":0.18818926562865576},{"text":"But then let's say at some point in time, you are not happy with the services or anything like that, there is no lock in contract.","start":3681.3152,"end":3687.2551,"sentiment":"neutral","sentiment_score":-0.2371870385339627},{"text":"You can cancel whenever you want through, and we can then help you roll you back to Zebra or wherever it is that you want to go if you are not happy.","start":3687.57,"end":3694.87,"sentiment":"neutral","sentiment_score":-0.17077036097180098}],"sentiment":"neutral","sentiment_score":-0.13630952168669966,"num_words":72,"start":3678.0352,"end":3694.87},{"sentences":[{"text":"Perfect.","start":3697.01,"end":3697.51,"sentiment":"positive","sentiment_score":0.43042224645614624},{"text":"Now the last thing I do wanna just quickly run through before I let you go today is just the remuneration section, which is page 42.","start":3697.8901,"end":3707.435,"sentiment":"neutral","sentiment_score":0.08057718566403939},{"text":"Can you see that?","start":3707.735,"end":3708.795,"sentiment":"neutral","sentiment_score":0.05752374138683081},{"text":"Yeah.","start":3711.095,"end":3711.495,"sentiment":"neutral","sentiment_score":0.19629815220832825},{"text":"Perfect.","start":3711.495,"end":3711.995,"sentiment":"neutral","sentiment_score":0.11733925342559814}],"sentiment":"neutral","sentiment_score":0.09300489226977031,"num_words":33,"start":3697.01,"end":3711.995},{"sentences":[{"text":"Now there is an implementation fee if you do decide that you would like to come on board, which is three point 3% of your super balance.","start":3712.535,"end":3722.3599,"sentiment":"neutral","sentiment_score":0.023160101638899908},{"text":"Now that is for the implementation of the advice.","start":3722.3599,"end":3725.72,"sentiment":"neutral","sentiment_score":0.05703160477181276},{"text":"So it basically pays for everything up until this point.","start":3725.72,"end":3728.6199,"sentiment":"neutral","sentiment_score":0.09873650670051574},{"text":"So my time, power planner's time, research, basically keeps the light on in the office.","start":3728.76,"end":3734.0552,"sentiment":"neutral","sentiment_score":0.20388338367144268},{"text":"Now that is a one off advice fee that is deducted at the very beginning and never again.","start":3734.195,"end":3740.615,"sentiment":"neutral","sentiment_score":0.05364604935877853}],"sentiment":"neutral","sentiment_score":0.07784622655356233,"num_words":79,"start":3712.535,"end":3740.615},{"sentences":[{"text":"So if we do some research and we feel like how to enforce is not the best option and we choose to go elsewhere, no.","start":3740.675,"end":3746.94,"sentiment":"neutral","sentiment_score":-0.08900535821914674},{"text":"You don't have to pay advice fee ever again upfront.","start":3746.94,"end":3749.5999,"sentiment":"neutral","sentiment_score":-0.005944971740245821},{"text":"That's just one stop.","start":3750.14,"end":3751.3599,"sentiment":"neutral","sentiment_score":-0.004477336537092924},{"text":"Correct.","start":3751.74,"end":3752.24,"sentiment":"neutral","sentiment_score":0.10929297655820848},{"text":"This amount here, which you can see, was included in those projection table we went through earlier where it shows you everything net of fees.","start":3752.8599,"end":3761.5151,"sentiment":"neutral","sentiment_score":0.1383447477221489}],"sentiment":"neutral","sentiment_score":0.019467979239729736,"num_words":65,"start":3740.675,"end":3761.5151},{"sentences":[{"text":"So that was all included in there.","start":3761.5151,"end":3763.615,"sentiment":"neutral","sentiment_score":0.12806858122348785},{"text":"Now you will also see here Zurich.","start":3765.835,"end":3768.175,"sentiment":"neutral","sentiment_score":0.06400724021451813},{"text":"Sorry.","start":3768.3152,"end":3768.8152,"sentiment":"neutral","sentiment_score":-0.0019798707216978073},{"text":"Zurich does pay us a commission for recommending insurances.","start":3768.955,"end":3774.38,"sentiment":"neutral","sentiment_score":0.06574510037899017},{"text":"Now they do 66% of the premium upfront.","start":3774.44,"end":3778.38,"sentiment":"neutral","sentiment_score":0.09310784470289946}],"sentiment":"neutral","sentiment_score":0.0837224856368266,"num_words":32,"start":3761.5151,"end":3778.38},{"sentences":[{"text":"The next page, you will see 22% of the premium ongoing.","start":3778.68,"end":3782.6199,"sentiment":"neutral","sentiment_score":0.07581821422685277},{"text":"That is Zurich paying us, though.","start":3783.24,"end":3785.0798,"sentiment":"neutral","sentiment_score":0.03281594688693682},{"text":"It is not you paying us.","start":3785.0798,"end":3786.855,"sentiment":"neutral","sentiment_score":-0.08270178362727165},{"text":"It is the same for every single insurer out there, so it doesn't play us in any way to recommend one provider over the other.","start":3787.095,"end":3794.2349,"sentiment":"neutral","sentiment_score":0.05568282529711723},{"text":"But for compliance purposes, we need to disclose any commissions we receive so you are fully aware.","start":3794.535,"end":3799.915,"sentiment":"neutral","sentiment_score":0.0057948851848349855}],"sentiment":"neutral","sentiment_score":0.031157984871130723,"num_words":65,"start":3778.68,"end":3799.915},{"sentences":[{"text":"Perfect.","start":3801.11,"end":3801.61,"sentiment":"neutral","sentiment_score":0.03472202271223068},{"text":"Last thing is the ongoing advice fee.","start":3802.3901,"end":3805.61,"sentiment":"neutral","sentiment_score":0.003469096762793404},{"text":"So there is an ongoing advice fee.","start":3805.99,"end":3808.09,"sentiment":"neutral","sentiment_score":0.04471834163580622},{"text":"Now, typically, this is 1.65% of your total balance.","start":3808.1501,"end":3813.77,"sentiment":"neutral","sentiment_score":0.09201413889726003},{"text":"It is calculated annually, but it is deducted monthly for you.","start":3814.2249,"end":3818.325,"sentiment":"neutral","sentiment_score":0.09850342639467934}],"sentiment":"neutral","sentiment_score":0.06524854376912118,"num_words":35,"start":3801.11,"end":3818.325},{"sentences":[{"text":"But because, obviously, Leah is the client that has been reduced for you down to one point one.","start":3819.185,"end":3825.605,"sentiment":"neutral","sentiment_score":0.21282547670933935},{"text":"And if it is that you do become a client, we would honor the same discount of rate for her as well.","start":3825.825,"end":3831.26,"sentiment":"neutral","sentiment_score":0.26373985274271533},{"text":"And that essentially yeah.","start":3832.84,"end":3836.46,"sentiment":"neutral","sentiment_score":0.013642228906974196},{"text":"Yes.","start":3837.56,"end":3838.06,"sentiment":"neutral","sentiment_score":0.023694520816206932},{"text":"Mhmm.","start":3841.6401,"end":3842.1401,"sentiment":"neutral","sentiment_score":-0.012787625193595886}],"sentiment":"neutral","sentiment_score":0.2108393728773555,"num_words":46,"start":3819.185,"end":3842.1401},{"sentences":[{"text":"Correct.","start":3847.215,"end":3847.715,"sentiment":"neutral","sentiment_score":-0.03264036774635315},{"text":"Correct.","start":3852.495,"end":3852.995,"sentiment":"neutral","sentiment_score":0.002630014671012759},{"text":"That is exactly right.","start":3853.055,"end":3854.335,"sentiment":"neutral","sentiment_score":-0.2099425308406353},{"text":"Yes.","start":3854.335,"end":3854.64,"sentiment":"neutral","sentiment_score":0.0180400051176548},{"text":"Yeah.","start":3854.7998,"end":3855.2,"sentiment":"neutral","sentiment_score":0.010982535779476166}],"sentiment":"neutral","sentiment_score":-0.10509474194259383,"num_words":8,"start":3847.215,"end":3855.2},{"sentences":[{"text":"That is just to show you only pay the super.","start":3855.2,"end":3858.0,"sentiment":"neutral","sentiment_score":-0.005424682889133692},{"text":"That's it.","start":3858.0,"end":3858.74,"sentiment":"neutral","sentiment_score":0.0035929654259234667},{"text":"Yep.","start":3859.44,"end":3859.94,"sentiment":"neutral","sentiment_score":0.030756985768675804},{"text":"Correct.","start":3869.295,"end":3869.795,"sentiment":"neutral","sentiment_score":0.007499709725379944},{"text":"Yes.","start":3871.055,"end":3871.455,"sentiment":"neutral","sentiment_score":0.06302101910114288}],"sentiment":"neutral","sentiment_score":0.003614454437047243,"num_words":15,"start":3855.2,"end":3871.455},{"sentences":[{"text":"So it's 3.3 of your super balance because it is that percentage.","start":3871.455,"end":3875.075,"sentiment":"neutral","sentiment_score":0.05663222757478555},{"text":"So if it is that your super has dropped to that $1.04, then, yes, it will be reduced.","start":3875.215,"end":3880.995,"sentiment":"neutral","sentiment_score":0.03854233357641432},{"text":"Yeah.","start":3882.8699,"end":3883.3699,"sentiment":"neutral","sentiment_score":0.0678120106458664},{"text":"Good question, though.","start":3883.99,"end":3885.13,"sentiment":"neutral","sentiment_score":0.1402815878391266},{"text":"And, yeah, same for that 1.1.","start":3885.99,"end":3889.3499,"sentiment":"neutral","sentiment_score":0.0527744268377622}],"sentiment":"neutral","sentiment_score":0.054466301761567595,"num_words":40,"start":3871.455,"end":3889.3499},{"sentences":[{"text":"Like I said, just that's the only one you pay.","start":3889.3499,"end":3891.5898,"sentiment":"neutral","sentiment_score":0.02574921417981386},{"text":"You don't pay the Zurich one there.","start":3891.5898,"end":3893.445,"sentiment":"neutral","sentiment_score":-0.03465799029384341},{"text":"Yep.","start":3894.8052,"end":3895.205,"sentiment":"neutral","sentiment_score":0.2107601761817932},{"text":"Perfect.","start":3895.205,"end":3895.705,"sentiment":"positive","sentiment_score":0.4727845788002014},{"text":"Correct.","start":3907.38,"end":3907.88,"sentiment":"neutral","sentiment_score":0.11540122330188753}],"sentiment":"neutral","sentiment_score":0.040691609401255845,"num_words":20,"start":3889.3499,"end":3907.88},{"sentences":[{"text":"Obviously, it is a percentage of your balance.","start":3908.18,"end":3911.0,"sentiment":"neutral","sentiment_score":0.07302464637905359},{"text":"As your balance grow, it will get more.","start":3911.06,"end":3915.16,"sentiment":"neutral","sentiment_score":0.11009345483034849},{"text":"But it's so, obviously, that mutual beneficial that, obviously, there is obviously, from all the the legal side and ethical side of obviously making sure your superannuation grow as much as possible because there is kind of mutual beneficial.","start":3915.7,"end":3928.7852,"sentiment":"neutral","sentiment_score":0.1883487873352491},{"text":"The 1.1% stays the same, though.","start":3929.245,"end":3931.965,"sentiment":"neutral","sentiment_score":0.09502651356160641},{"text":"There is no changes to that.","start":3931.965,"end":3933.665,"sentiment":"neutral","sentiment_score":0.008824569483598074}],"sentiment":"neutral","sentiment_score":0.14080080617942028,"num_words":67,"start":3908.18,"end":3933.665},{"sentences":[{"text":"Yeah.","start":3935.19,"end":3935.59,"sentiment":"neutral","sentiment_score":0.1558283567428589},{"text":"Perfect.","start":3935.59,"end":3935.99,"sentiment":"neutral","sentiment_score":0.2865025997161865},{"text":"Any other questions in regards to the fee?","start":3935.99,"end":3938.09,"sentiment":"neutral","sentiment_score":0.06870892411097884},{"text":"No?","start":3939.67,"end":3940.15,"sentiment":"neutral","sentiment_score":-0.001923605799674988},{"text":"Perfect.","start":3940.15,"end":3940.65,"sentiment":"neutral","sentiment_score":0.14650601148605347}],"sentiment":"neutral","sentiment_score":0.09471539625277121,"num_words":12,"start":3935.19,"end":3940.65},{"sentences":[{"text":"And, basically, at the the last couple of pages, they'll let you have a read of your own own time.","start":3941.51,"end":3945.75,"sentiment":"neutral","sentiment_score":0.05803136751055717},{"text":"It just recaps everything.","start":3945.75,"end":3947.13,"sentiment":"neutral","sentiment_score":0.0922605860978365},{"text":"It recaps the process on how to implement everything.","start":3947.625,"end":3951.0051,"sentiment":"neutral","sentiment_score":0.08666099111239116},{"text":"Now you can obviously ignore the salary sacrifice if you don't want to do that.","start":3951.465,"end":3955.305,"sentiment":"neutral","sentiment_score":-0.08476674929261208},{"text":"That is perfectly fine, and you don't have to remember all these steps.","start":3955.305,"end":3959.245,"sentiment":"neutral","sentiment_score":0.15618680360225531}],"sentiment":"neutral","sentiment_score":0.05030402986974013,"num_words":61,"start":3941.51,"end":3959.245},{"sentences":[{"text":"We would do all of that for you.","start":3959.305,"end":3960.825,"sentiment":"neutral","sentiment_score":0.31471723318099976},{"text":"We'll kind of guide you through each and every single step.","start":3960.825,"end":3963.95,"sentiment":"neutral","sentiment_score":0.27801236645741895},{"text":"And as soon as your hub twenty four would be open, we'll give you the forms to give to your employer to change contributions.","start":3963.95,"end":3969.57,"sentiment":"neutral","sentiment_score":0.1486891775081555},{"text":"We would obviously cancel your one pass.","start":3970.19,"end":3971.8699,"sentiment":"neutral","sentiment_score":0.03479811442749841},{"text":"We would do all of that for you.","start":3971.8699,"end":3973.89,"sentiment":"neutral","sentiment_score":0.31523482501506805}],"sentiment":"neutral","sentiment_score":0.20534275099635124,"num_words":58,"start":3959.305,"end":3973.89},{"sentences":[{"text":"This just shows you the the kind of steps, otherwise.","start":3973.95,"end":3976.8499,"sentiment":"neutral","sentiment_score":0.2938439190387726},{"text":"We would do that.","start":3982.2249,"end":3983.105,"sentiment":"neutral","sentiment_score":0.30870193988084793},{"text":"Yes.","start":3983.105,"end":3983.605,"sentiment":"positive","sentiment_score":0.5229793190956116},{"text":"Yep.","start":3985.105,"end":3985.4248,"sentiment":"positive","sentiment_score":0.4653465747833252},{"text":"So we'll handle all the paperwork and everything like that.","start":3985.4248,"end":3988.645,"sentiment":"neutral","sentiment_score":0.2590880110859871}],"sentiment":"neutral","sentiment_score":0.2981712674865356,"num_words":26,"start":3973.95,"end":3988.645},{"sentences":[{"text":"For you, if you ever if anything ever were to happen and you need to make a claim on any insurances, you just call us.","start":3989.1848,"end":3994.84,"sentiment":"neutral","sentiment_score":0.21508176624774933},{"text":"You don't ever have to deal with Zurich.","start":3994.84,"end":3996.4402,"sentiment":"neutral","sentiment_score":0.13379547465592623},{"text":"You don't have to deal with Hub twenty four.","start":3996.4402,"end":3998.2002,"sentiment":"neutral","sentiment_score":0.14579387423064974},{"text":"You just call us, and we are kind of that middleman for everything if something ever were to happen as well.","start":3998.2002,"end":4003.665,"sentiment":"neutral","sentiment_score":0.13585324266127177},{"text":"Yes.","start":4009.105,"end":4009.605,"sentiment":"neutral","sentiment_score":0.108118936419487}],"sentiment":"neutral","sentiment_score":0.16750921646598727,"num_words":64,"start":3989.1848,"end":4009.605},{"sentences":[{"text":"Exactly.","start":4010.465,"end":4010.965,"sentiment":"neutral","sentiment_score":0.12344887107610704},{"text":"Or if or if Leah calls on your behalf.","start":4011.185,"end":4013.365,"sentiment":"neutral","sentiment_score":0.07665924231211345},{"text":"But but yeah.","start":4014.545,"end":4015.425,"sentiment":"neutral","sentiment_score":-0.00687018409371376},{"text":"Obviously, I hope that never happens.","start":4015.425,"end":4017.98,"sentiment":"neutral","sentiment_score":-0.1181125311801831},{"text":"But, yes, if anything ever happened because, also, it's like we work for you.","start":4018.84,"end":4022.28,"sentiment":"neutral","sentiment_score":0.032207060871379714}],"sentiment":"neutral","sentiment_score":0.016211974688551643,"num_words":33,"start":4010.465,"end":4022.28},{"sentences":[{"text":"I don't we don't work for Zurich, and we fight with the insurance company all the time.","start":4022.28,"end":4025.8801,"sentiment":"neutral","sentiment_score":-0.044860519030514884},{"text":"And our goal is to make sure that if we have an insurance policy in place for you, if something were to happen, you will get the money.","start":4025.8801,"end":4031.505,"sentiment":"neutral","sentiment_score":0.1443770414750491},{"text":"So insurance company can be very tricky.","start":4032.625,"end":4034.9448,"sentiment":"neutral","sentiment_score":-0.18566114561898367},{"text":"A lot of them don't actually deal with clients directly.","start":4034.9448,"end":4037.345,"sentiment":"neutral","sentiment_score":-0.18169297873973847},{"text":"They only deal with advices for that purposes as well and also for compliance, whereas we obviously know how to deal with it and how to push to make sure that at the end of the day, you and your family will get you know, if something is gonna happen.","start":4037.345,"end":4050.01,"sentiment":"neutral","sentiment_score":-0.03756656691431999}],"sentiment":"neutral","sentiment_score":-0.015312123345211148,"num_words":112,"start":4022.28,"end":4050.01},{"sentences":[{"text":"Yeah.","start":4051.51,"end":4051.91,"sentiment":"neutral","sentiment_score":0.16262629628181458},{"text":"Perfect.","start":4051.91,"end":4052.41,"sentiment":"positive","sentiment_score":0.35794752836227417},{"text":"Now I know that was a lot of information, so I will let you go.","start":4052.8699,"end":4056.39,"sentiment":"neutral","sentiment_score":0.17496350655953088},{"text":"I will let you have a read over it.","start":4056.39,"end":4058.535,"sentiment":"neutral","sentiment_score":0.17491104702154794},{"text":"Like I said, I will get the team to have a look at this software and send you the documents tomorrow.","start":4059.1748,"end":4064.795,"sentiment":"neutral","sentiment_score":0.15501967994939714}],"sentiment":"neutral","sentiment_score":0.1696731728759218,"num_words":47,"start":4051.51,"end":4064.795},{"sentences":[{"text":"Would you like them to send you a text message when we've sent it just to make sure it does come through?","start":4065.1748,"end":4071.035,"sentiment":"neutral","sentiment_score":0.1372451866892251},{"text":"Yeah?","start":4072.73,"end":4073.23,"sentiment":"neutral","sentiment_score":0.1066044420003891},{"text":"Yeah.","start":4073.77,"end":4074.27,"sentiment":"neutral","sentiment_score":0.13747550547122955},{"text":"Yeah.","start":4074.33,"end":4074.73,"sentiment":"neutral","sentiment_score":0.20533163845539093},{"text":"Perfect.","start":4074.73,"end":4075.23,"sentiment":"neutral","sentiment_score":0.2573355436325073}],"sentiment":"neutral","sentiment_score":0.14331312448932573,"num_words":26,"start":4065.1748,"end":4075.23},{"sentences":[{"text":"If you do have any issues, though, and it doesn't come through, just please let me know, and I'll see if I can send it a different way.","start":4076.17,"end":4084.81,"sentiment":"neutral","sentiment_score":-0.14832612752382243},{"text":"It seemed like it was just a today thing because earlier today, I had no problem, and now it showed up as a bit of an error and always like that with IT leave leave.","start":4084.81,"end":4093.165,"sentiment":"neutral","sentiment_score":-0.16691173645002502},{"text":"So I'm sure that all be sorted tomorrow.","start":4093.865,"end":4096.125,"sentiment":"positive","sentiment_score":0.3420103192329407},{"text":"In the appendix, like I said, you will have the the change in showing no salary sacrifice and also those insurance recommendations if you wanna have a bit of a think about what you would like to do as well and seeing those premiums.","start":4096.665,"end":4109.07,"sentiment":"neutral","sentiment_score":0.13283819078721784},{"text":"Otherwise, I will let you have a read over everything, and the team might reach out in a couple of days just to see if you've had a read through it or any questions or what your thoughts are on on everything there for you, Jane.","start":4109.93,"end":4124.2246,"sentiment":"neutral","sentiment_score":0.14826539385577905}],"sentiment":"neutral","sentiment_score":0.03357843925123629,"num_words":161,"start":4076.17,"end":4124.2246},{"sentences":[{"text":"Yep.","start":4125.82,"end":4126.3,"sentiment":"positive","sentiment_score":0.486251562833786},{"text":"Perfect.","start":4126.3,"end":4126.78,"sentiment":"positive","sentiment_score":0.7657397985458374},{"text":"Well, thank you so much for your time and patience this afternoon.","start":4126.78,"end":4129.82,"sentiment":"positive","sentiment_score":0.7803874015808105},{"text":"I will get you let you go and enjoy the rest of your evening.","start":4129.82,"end":4133.98,"sentiment":"positive","sentiment_score":0.7412258982658386},{"text":"But, otherwise, I very much look forward to speaking with you soon again.","start":4133.98,"end":4137.3027,"sentiment":"positive","sentiment_score":0.643480135844304}],"sentiment":"positive","sentiment_score":0.7160742566352938,"num_words":41,"start":4125.82,"end":4137.3027},{"sentences":[{"text":"No problem, James.","start":4139.3027,"end":4140.2627,"sentiment":"positive","sentiment_score":0.43805673718452454},{"text":"We'll speak soon.","start":4140.2627,"end":4141.1626,"sentiment":"positive","sentiment_score":0.4710782567660014},{"text":"Bye.","start":4143.0625,"end":4143.5625,"sentiment":"neutral","sentiment_score":-0.08646728098392487}],"sentiment":"positive","sentiment_score":0.3772768144096647,"num_words":7,"start":4139.3027,"end":4143.5625}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Speaking. Yes. Speaking. Good day, sir. How are you? That's good. Yep. Yep. Yep. Yeah. Friday, I was walking the door. So Yep. Yep. Yes. Yep. Yep. I'll give it a bit, and I'll check my junk mail as well. Yeah. Nothing nothing in either our environment. And it's coming from you? What was your name again? Sorry. Veronica. I keep refreshing in the junk folder in the inbox. I haven't got anything. Yep. Yep. You've got the correct email. I I see it. Yep. Yep. Yep. Yep. Yeah. Yep. Yeah. Sounds about right. Yeah. Yep. Yep. Yep. Yep. Yeah. I'm still nothing. Yes. Something came through. Yep. Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. No. I have not. Yep. Is that a is that a legal thing? Yeah. Yep. Okay. It does. Yes. Yep. Yep. Yep. Yep. Yes. Yes. Yep. Yep. Yep. Yep. Nope. Nope. No. Things are about right. Yep. Yep. Yep. Yes. Yes. Yep. Yep. Let's go down to sixty nine eighteen. Here we are. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Just gonna say no. Like, I may have, but not yeah. Yep. Yep. Yes. Yep. Yep. Yep. Yep. Yep. Yeah. Well, in the buffer, just had a 100% in high growth. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yes. Yep. Yep. Yep. Yep. Yep. And I'm could you just tell me what page I'm on again? Because I think I might have got lost. Sorry. Yeah. I am I was only one page too far. Okay. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yes. So this is projecting more money, but that includes me doing salary sacrifice, which I'm currently not doing. Okay. Yes. Which Oh, that. Okay. Yep. Yep. And you do you think it's still better off if I don't do a salary sacrifice at the moment? Yep. Yep. Yep. I I just I'd I'd love to, but it's it's everything's getting a bit expensive just right now. If you do if you need stuff, I'm not sure if it's something I'll do right at this moment, but it is something I'd like to do. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Yep. On a on a guide note, I just looked into my feedback account. Yeah. Probably because of this law and everything, it's it has dropped by $4. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yes. Yep. Yeah. Okay. Yep. Yep. That's good. 40. Yep. Yep. Yep. Yep. Yep. Yep. I'm a bit on shot at the it jumped $4, you know, like a few weeks. Yeah. Wow. Yeah. Yep. Yep. Yep. Yep. Yes. I I know that this is the case with high growth that, like, you get some hitch, but in the long term should yeah. Hopefully. Yeah. Yes. Yes. Yep. No worries. Nope. Not at the moment. Yep. Yep. Yep. Go on. Why is it on that? So I'm using the iPad, and I using my pencil, and it started drawing on it instead of scrolling. 14. Yeah. I have to use my finger to scroll. If I use a pen, it just starts writing on it. Yeah. Okay. Yeah. Yeah. Page 14. Yes. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Mhmm. Yep. Fair enough. Yeah. Yep. Yep. Yes. Yep. Yep. Yes. Okay. Where did it which page was it where you said that you looked at other right. I'm still not thinking. Yeah. I see. I'm still back at so on page 17, it does all 10 digits. Okay. Yep. Sorry. I got a bit, yeah, I got a bit lost in it. Yeah. Yeah. Yep. Fair enough. Yep. No worries. Yep. Yep. And, please? Yep. Yep. Yep. No. I've heard of self managed fundings. That was the last thing you said, I think. Or no. Okay. We'll just we'll just work off now. I haven't heard that. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. No. Nope. Yep. Yep. Yep. Yep. Yep. Yep. Mhmm. I'm Sorry to be annoying. Can you tell me what page you're in again? Okay. Because sometimes I think I accidentally scroll beyond where you're at, and then I don't know. Yeah. Sorry. No. I was off just one page further. So I was trying to look at those percentages, and I was then I thought you were furthered. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yep. No. I'm I'm I I get it. Yep. Yep. Yep. That's the page I was just on. Because when you're saying percentages, I was like, I couldn't see the one you were saying. But yeah. Yeah. Yeah. Yeah. Yeah. What is what is defensive meant? Okay. Yep. Yeah. Yeah. Yep. Yep. Yep. Yes. Yep. Yep. Mhmm. Yeah. Yeah. Yeah. Yep. Yep. Yeah. Yep. Yes. Yep. Yeah. How are you? Yeah. Not not at the moment. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yes. Yep. Yeah. Yeah. Yeah. Okay. Yep. Okay. What does s g stand for? Okay. Yep. We'll still go into super. Yep. Yep. And what does where does this definition says indemnity? What does that mean? Yep. Yep. Yep. Yep. Yep. Okay. Yeah. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Wow. Okay. Yep. Yep. Yep. Mhmm. Yep. Yep. Yep. Yeah. Yep. Yep. I, yeah, I don't have that currently. Mhmm. Yep. Mhmm. Okay. Yeah. Yep. Yep. Yep. Mhmm. Yep. No. Are you? Yep. Uh-huh. I think it was a a one off payment if something happens. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yes. And what's the last one? On top of the other million. Okay. Yeah. Okay. Yeah. Yeah. Yep. Yep. Yep. Yep. It does. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Mhmm. Yep. Yep. Mhmm. Okay. Yep. Yep. Yep. Yep. No. It's information overload. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Mhmm. Yep. Yep. That's already done? Yep. Yep. Yep. Yep. Yeah. Yeah. No worries. Yep. Yep. Can I just just a question? If we go back a page, it says total is 7,633. Are you saying $4,007.64 would come out of my Subaru, but the $2.08 $6.09 will not come out of my Subaru? That just comes from Zurich? No. Okay. Yep. And would this be adjusted? Like, right now, it says $4.07, but as we said before, my suit is dropped. So would that be adjusted if we got to that stage? Yeah. Yeah. Yep. Okay. No worries. Yep. So if once it's set up, we pay that one that fee on page 42, and then every year, we'll be paying what's on page 43 in in a nutshell. Is that right? Yeah. Yeah. Yeah. Yep. Yep. Yep. Nope. Nope. Yep. Yep. Yep. So I won't have to try and cancel, and you sort that out. Awesome. Yeah. So I become paraplegic. I just give you a call with my mouth, and you work it out. Yeah. Okay. Okay. No worries. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yep. Yeah. No. No worries. That'd be helpful. Yep. Yep. Yeah. Yeah. No worries. No worries. Thank you. Yep. Thank you very much. Thank you. 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Hello? Speaking. Yes. Speaking.\n\nGood day, sir. How are you? That's good. Yep. Yep.\n\nYep. Yeah. Friday, I was walking the door. So Yep. Yep.\n\nYes. Yep. Yep. I'll give it a bit, and I'll check my junk mail as well. Yeah.\n\nNothing nothing in either our environment. And it's coming from you? What was your name again? Sorry. Veronica.\n\nI keep refreshing in the junk folder in the inbox. I haven't got anything. Yep. Yep. You've got the correct email.\n\nI I see it. Yep. Yep. Yep. Yep.\n\nYeah. Yep. Yeah. Sounds about right. Yeah.\n\nYep. Yep. Yep. Yep. Yeah.\n\nI'm still nothing. Yes. Something came through. Yep. Yep.\n\nYep. Yep. Yep. Mhmm. Yep.\n\nYep. No. I have not. Yep. Is that a is that a legal thing?\n\nYeah. Yep. Okay. It does. Yes.\n\nYep. Yep. Yep. Yep. Yes.\n\nYes. Yep. Yep. Yep. Yep.\n\nNope. Nope. No. Things are about right. Yep.\n\nYep. Yep. Yes. Yes. Yep.\n\nYep. Let's go down to sixty nine eighteen. Here we are. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Just gonna say no.\n\nLike, I may have, but not yeah. Yep. Yep. Yes. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nWell, in the buffer, just had a 100% in high growth. Yep. Yep. Yeah. Yeah.\n\nYeah. Yeah. Yes. Yep. Yep.\n\nYep. Yep. Yep. And I'm could you just tell me what page I'm on again? Because I think I might have got lost.\n\nSorry. Yeah. I am I was only one page too far. Okay. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yes. So this is projecting more money, but that includes me doing salary sacrifice, which I'm currently not doing. Okay. Yes.\n\nWhich Oh, that. Okay. Yep. Yep. And you do you think it's still better off if I don't do a salary sacrifice at the moment?\n\nYep. Yep. Yep. I I just I'd I'd love to, but it's it's everything's getting a bit expensive just right now. If you do if you need stuff, I'm not sure if it's something I'll do right at this moment, but it is something I'd like to do.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYep. Yeah. Yep. On a on a guide note, I just looked into my feedback account. Yeah.\n\nProbably because of this law and everything, it's it has dropped by $4. Yeah. Yeah. Yeah. Yep.\n\nYep. Yep. Yes. Yep. Yeah.\n\nOkay. Yep. Yep. That's good. 40.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. I'm a bit on shot at the it jumped $4, you know, like a few weeks. Yeah. Wow. Yeah.\n\nYep. Yep. Yep. Yep. Yes.\n\nI I know that this is the case with high growth that, like, you get some hitch, but in the long term should yeah. Hopefully. Yeah. Yes. Yes.\n\nYep. No worries. Nope. Not at the moment. Yep.\n\nYep. Yep. Go on. Why is it on that? So I'm using the iPad, and I using my pencil, and it started drawing on it instead of scrolling.\n\n14. Yeah. I have to use my finger to scroll. If I use a pen, it just starts writing on it. Yeah.\n\nOkay. Yeah. Yeah. Page 14. Yes.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yeah. Mhmm. Yep. Fair enough.\n\nYeah. Yep. Yep. Yes. Yep.\n\nYep. Yes. Okay. Where did it which page was it where you said that you looked at other right. I'm still not thinking.\n\nYeah. I see. I'm still back at so on page 17, it does all 10 digits. Okay. Yep.\n\nSorry. I got a bit, yeah, I got a bit lost in it. Yeah. Yeah. Yep.\n\nFair enough. Yep. No worries. Yep. Yep.\n\nAnd, please? Yep. Yep. Yep. No.\n\nI've heard of self managed fundings. That was the last thing you said, I think. Or no. Okay. We'll just we'll just work off now.\n\nI haven't heard that. Yeah. Yeah. Yeah. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. No. Nope. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nMhmm. I'm Sorry to be annoying. Can you tell me what page you're in again? Okay. Because sometimes I think I accidentally scroll beyond where you're at, and then I don't know.\n\nYeah. Sorry. No. I was off just one page further. So I was trying to look at those percentages, and I was then I thought you were furthered.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yep. Yep.\n\nNo. I'm I'm I I get it. Yep. Yep. Yep.\n\nThat's the page I was just on. Because when you're saying percentages, I was like, I couldn't see the one you were saying. But yeah. Yeah. Yeah.\n\nYeah. Yeah. What is what is defensive meant? Okay. Yep.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nYes. Yep. Yep. Mhmm. Yeah.\n\nYeah. Yeah. Yep. Yep. Yeah.\n\nYep. Yes. Yep. Yeah. How are you?\n\nYeah. Not not at the moment. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Okay.\n\nYes. Yep. Yeah. Yeah. Yeah.\n\nOkay. Yep. Okay. What does s g stand for? Okay.\n\nYep. We'll still go into super. Yep. Yep. And what does where does this definition says indemnity?\n\nWhat does that mean? Yep. Yep. Yep. Yep.\n\nYep. Okay. Yeah. Yep. Yep.\n\nYep. Yep. Yep. Okay. Yep.\n\nYep. Wow. Okay. Yep. Yep.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nYeah. Yep. Yep. I, yeah, I don't have that currently. Mhmm.\n\nYep. Mhmm. Okay. Yeah. Yep.\n\nYep. Yep. Mhmm. Yep. No.\n\nAre you? Yep. Uh-huh. I think it was a a one off payment if something happens. Yeah.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nYes. And what's the last one? On top of the other million. Okay. Yeah.\n\nOkay. Yeah. Yeah. Yep. Yep.\n\nYep. Yep. It does. Yep. Yep.\n\nYep. Yeah. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yeah. Mhmm.\n\nYep. Yep. Mhmm. Okay. Yep.\n\nYep. Yep. Yep. No. It's information overload.\n\nYeah. Yeah. Yeah. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Okay. Yep. Mhmm.\n\nYep. Yep. That's already done? Yep. Yep.\n\nYep. Yep. Yeah. Yeah. No worries.\n\nYep. Yep. Can I just just a question? If we go back a page, it says total is 7,633. Are you saying $4,007.64 would come out of my Subaru, but the $2.08 $6.09 will not come out of my Subaru?\n\nThat just comes from Zurich? No. Okay. Yep. And would this be adjusted?\n\nLike, right now, it says $4.07, but as we said before, my suit is dropped. So would that be adjusted if we got to that stage? Yeah. Yeah. Yep.\n\nOkay. No worries. Yep. So if once it's set up, we pay that one that fee on page 42, and then every year, we'll be paying what's on page 43 in in a nutshell. Is that right?\n\nYeah. Yeah. Yeah. Yep. Yep.\n\nYep. Nope. Nope. Yep. Yep.\n\nYep. So I won't have to try and cancel, and you sort that out. Awesome. Yeah. So I become paraplegic.\n\nI just give you a call with my mouth, and you work it out. Yeah. Okay. Okay. No worries.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYep. Yep. Yep. Yep. Yeah.\n\nNo. No worries. That'd be helpful. Yep. Yep.\n\nYeah. Yeah. No worries. No worries. Thank you.\n\nYep. Thank you very much. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.025876455008983612},{"text":"Hello?","start":5.6,"end":6.1,"sentiment":"neutral","sentiment_score":0.03279039263725281},{"text":"Speaking.","start":7.44,"end":7.94,"sentiment":"neutral","sentiment_score":0.04885780066251755},{"text":"Yes.","start":9.04,"end":9.44,"sentiment":"neutral","sentiment_score":0.056230928748846054},{"text":"Speaking.","start":9.44,"end":9.94,"sentiment":"neutral","sentiment_score":0.04803571105003357}],"sentiment":"neutral","sentiment_score":0.042358257621526715,"num_words":5,"start":1.28,"end":9.94},{"sentences":[{"text":"Good day, sir.","start":14.075,"end":14.974999,"sentiment":"positive","sentiment_score":0.49559485912323},{"text":"How are you?","start":15.226999,"end":17.230999,"sentiment":"positive","sentiment_score":0.4900512893994649},{"text":"That's 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before, my suit is dropped.","start":3863.995,"end":3867.5952,"sentiment":"neutral","sentiment_score":-0.023588306891421478},{"text":"So would that be adjusted if we got to that stage?","start":3867.5952,"end":3870.66,"sentiment":"neutral","sentiment_score":-0.00044973287731409073},{"text":"Yeah.","start":3870.66,"end":3871.16,"sentiment":"neutral","sentiment_score":0.033255062997341156},{"text":"Yeah.","start":3874.26,"end":3874.76,"sentiment":"neutral","sentiment_score":0.04227025434374809},{"text":"Yep.","start":3881.78,"end":3882.28,"sentiment":"neutral","sentiment_score":0.07084774971008301}],"sentiment":"neutral","sentiment_score":-0.007324089585193272,"num_words":29,"start":3863.995,"end":3882.28},{"sentences":[{"text":"Okay.","start":3882.34,"end":3882.84,"sentiment":"neutral","sentiment_score":0.06245694309473038},{"text":"No worries.","start":3883.355,"end":3884.015,"sentiment":"neutral","sentiment_score":0.09604108333587646},{"text":"Yep.","start":3893.9148,"end":3894.4148,"sentiment":"neutral","sentiment_score":0.12009668350219728},{"text":"So if once it's set up, we pay that one that fee on page 42, and then every year, we'll be paying what's on page 43 in in a nutshell.","start":3896.7148,"end":3906.5,"sentiment":"neutral","sentiment_score":0.21562076956033707},{"text":"Is that right?","start":3906.5,"end":3907.32,"sentiment":"neutral","sentiment_score":0.15281513333320618}],"sentiment":"neutral","sentiment_score":0.19734335892103813,"num_words":37,"start":3882.34,"end":3907.32},{"sentences":[{"text":"Yeah.","start":3908.66,"end":3909.16,"sentiment":"neutral","sentiment_score":0.079730324447155},{"text":"Yeah.","start":3911.575,"end":3912.075,"sentiment":"neutral","sentiment_score":0.061733178794384},{"text":"Yeah.","start":3913.415,"end":3913.915,"sentiment":"neutral","sentiment_score":0.13836771249771118},{"text":"Yep.","start":3927.19,"end":3927.69,"sentiment":"neutral","sentiment_score":0.1834867000579834},{"text":"Yep.","start":3932.7898,"end":3933.2898,"sentiment":"neutral","sentiment_score":0.013487713411450386}],"sentiment":"neutral","sentiment_score":0.0953611258417368,"num_words":5,"start":3908.66,"end":3933.2898},{"sentences":[{"text":"Yep.","start":3934.3098,"end":3934.8098,"sentiment":"neutral","sentiment_score":0.08213809132575989},{"text":"Nope.","start":3938.175,"end":3938.675,"sentiment":"neutral","sentiment_score":-0.04985420033335686},{"text":"Nope.","start":3944.8574,"end":3945.3574,"sentiment":"neutral","sentiment_score":-0.03188663721084595},{"text":"Yep.","start":3957.54,"end":3958.04,"sentiment":"neutral","sentiment_score":0.05316197872161865},{"text":"Yep.","start":3964.6602,"end":3965.1602,"sentiment":"neutral","sentiment_score":0.13146525621414185}],"sentiment":"neutral","sentiment_score":0.037004897743463515,"num_words":5,"start":3934.3098,"end":3965.1602},{"sentences":[{"text":"Yep.","start":3970.685,"end":3971.185,"sentiment":"neutral","sentiment_score":0.08943259716033936},{"text":"So I won't have to try and cancel, and you sort that out.","start":3978.365,"end":3981.9,"sentiment":"neutral","sentiment_score":0.19729368274028486},{"text":"Awesome.","start":3984.46,"end":3984.96,"sentiment":"positive","sentiment_score":0.7454794049263},{"text":"Yeah.","start":3988.0598,"end":3988.5598,"sentiment":"neutral","sentiment_score":0.1644337773323059},{"text":"So I become paraplegic.","start":4004.175,"end":4005.5552,"sentiment":"neutral","sentiment_score":-0.1919695883989334}],"sentiment":"neutral","sentiment_score":0.13981426507234573,"num_words":20,"start":3970.685,"end":4005.5552},{"sentences":[{"text":"I just give you a call with my mouth, and you work it out.","start":4005.8552,"end":4009.955,"sentiment":"neutral","sentiment_score":0.023916029770459448},{"text":"Yeah.","start":4010.2551,"end":4010.7551,"sentiment":"neutral","sentiment_score":0.09310309588909148},{"text":"Okay.","start":4010.895,"end":4011.395,"sentiment":"neutral","sentiment_score":0.09891867637634276},{"text":"Okay.","start":4013.99,"end":4014.49,"sentiment":"neutral","sentiment_score":0.026920443400740623},{"text":"No worries.","start":4014.71,"end":4015.45,"sentiment":"neutral","sentiment_score":-0.03782135620713234}],"sentiment":"neutral","sentiment_score":0.025164416844123287,"num_words":19,"start":4005.8552,"end":4015.45},{"sentences":[{"text":"Yeah.","start":4016.31,"end":4016.81,"sentiment":"neutral","sentiment_score":-0.07690447568893433},{"text":"Yeah.","start":4018.55,"end":4019.05,"sentiment":"neutral","sentiment_score":-0.006464187055826187},{"text":"Yeah.","start":4022.95,"end":4023.45,"sentiment":"neutral","sentiment_score":-0.02684909477829933},{"text":"Yeah.","start":4026.47,"end":4026.97,"sentiment":"neutral","sentiment_score":0.20246881246566772},{"text":"Yeah.","start":4032.3652,"end":4032.8652,"sentiment":"neutral","sentiment_score":-0.055004559457302094}],"sentiment":"neutral","sentiment_score":0.007449299097061157,"num_words":5,"start":4016.31,"end":4032.8652},{"sentences":[{"text":"Yep.","start":4042.125,"end":4042.62,"sentiment":"neutral","sentiment_score":-0.10311558097600936},{"text":"Yep.","start":4048.78,"end":4049.28,"sentiment":"neutral","sentiment_score":-0.08963099122047424},{"text":"Yep.","start":4050.78,"end":4051.28,"sentiment":"neutral","sentiment_score":0.05480939894914627},{"text":"Yep.","start":4057.26,"end":4057.76,"sentiment":"neutral","sentiment_score":0.15207497775554657},{"text":"Yeah.","start":4071.635,"end":4071.955,"sentiment":"neutral","sentiment_score":0.08177268505096436}],"sentiment":"neutral","sentiment_score":0.019182097911834717,"num_words":5,"start":4042.125,"end":4071.955},{"sentences":[{"text":"No.","start":4071.955,"end":4072.41,"sentiment":"neutral","sentiment_score":0.08255549520254135},{"text":"No worries.","start":4072.49,"end":4072.89,"sentiment":"neutral","sentiment_score":0.08608691766858101},{"text":"That'd be helpful.","start":4072.89,"end":4073.93,"sentiment":"neutral","sentiment_score":0.20206337173779806},{"text":"Yep.","start":4073.93,"end":4074.43,"sentiment":"neutral","sentiment_score":0.13052652776241302},{"text":"Yep.","start":4089.745,"end":4090.245,"sentiment":"neutral","sentiment_score":-0.10481911897659302}],"sentiment":"neutral","sentiment_score":0.11082835681736469,"num_words":8,"start":4071.955,"end":4090.245},{"sentences":[{"text":"Yeah.","start":4093.1052,"end":4093.6052,"sentiment":"neutral","sentiment_score":0.2007051557302475},{"text":"Yeah.","start":4113.8496,"end":4114.3496,"sentiment":"neutral","sentiment_score":0.1267988532781601},{"text":"No worries.","start":4114.73,"end":4115.4697,"sentiment":"neutral","sentiment_score":0.1424187496304512},{"text":"No worries.","start":4125.0146,"end":4125.755,"sentiment":"neutral","sentiment_score":0.30912595987319946},{"text":"Thank you.","start":4125.815,"end":4126.635,"sentiment":"positive","sentiment_score":0.6106202900409698}],"sentiment":"neutral","sentiment_score":0.3064792510122061,"num_words":8,"start":4093.1052,"end":4126.635},{"sentences":[{"text":"Yep.","start":4134.91,"end":4135.41,"sentiment":"neutral","sentiment_score":0.3107990622520447},{"text":"Thank you very much.","start":4137.79,"end":4139.0103,"sentiment":"positive","sentiment_score":0.7782760858535767},{"text":"Thank you.","start":4140.27,"end":4142.6104,"sentiment":"positive","sentiment_score":0.39421623945236206},{"text":"Bye.","start":4142.75,"end":4143.25,"sentiment":"neutral","sentiment_score":0.24987733364105225}],"sentiment":"positive","sentiment_score":0.557776652276516,"num_words":8,"start":4134.91,"end":4143.25}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. Is this James?\n\nChannel 1: Hello?\n\nChannel 0: Good afternoon.\n\nChannel 1: Speaking.\n\nChannel 0: Is this James?\n\nChannel 1: Yes. Speaking.\n\nChannel 0: Yeah. This is Veronica from OQ Financial. How are you?\n\nChannel 1: Good day, sir. How\n\nChannel 0: I'm\n\nChannel 1: are\n\nChannel 0: good. Thanks.\n\nChannel 1: you? That's\n\nChannel 0: I\n\nChannel 1: good.\n\nChannel 0: had you booked in to go over your strategy recommendation. Is now still a good time?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Yep. Perfect. And how's your day been so far? I've been busy?\n\nChannel 1: Yep. Yeah. Friday, I was walking the door. So\n\nChannel 0: Well, I will try my best not to keep you for too long. There is a fair few things to get through, but I will\n\nChannel 1: Yep.\n\nChannel 0: try to do it as quickly as I can for you.\n\nChannel 1: Yep.\n\nChannel 0: And now, James, do you have access to your emails at the moment?\n\nChannel 1: Yes.\n\nChannel 0: Alright. Perfect. So what I'm going to do is I am going to send you an email with some documents to go\n\nChannel 1: Yep.\n\nChannel 0: through. Now that's just been sent on my end. So just\n\nChannel 1: Yep.\n\nChannel 0: let me know if that comes through to you. Okay?\n\nChannel 1: I'll give it a bit, and I'll check my junk mail as well.\n\nChannel 0: Yep. Perfect. Thank you. Sometimes it does take a little bit to come through. And, yeah, sometimes it does end up in the spam folder as well.\n\nChannel 1: Yeah. Nothing nothing in either our environment.\n\nChannel 0: Alright. Let me see if I can refresh it on my end.\n\nChannel 1: And it's coming from you?\n\nChannel 0: Yes. It will be from me.\n\nChannel 1: What\n\nChannel 0: You\n\nChannel 1: was your\n\nChannel 0: should\n\nChannel 1: name\n\nChannel 0: say,\n\nChannel 1: again? Sorry.\n\nChannel 0: have a run account.\n\nChannel 1: Veronica.\n\nChannel 0: Let\n\nChannel 1: I\n\nChannel 0: me see\n\nChannel 1: keep\n\nChannel 0: if we're\n\nChannel 1: refreshing\n\nChannel 0: gonna\n\nChannel 1: in the junk folder in the inbox. I haven't got anything.\n\nChannel 0: still nothing. Okay. Let me see. We've been having a little bit of issues with technology. Let me\n\nChannel 1: Yep.\n\nChannel 0: just see. Okay. Stop. There's still nothing.\n\nChannel 1: Yep. You've got the correct email. I I see it.\n\nChannel 0: Yes. Let me triple check that for you. Alright. I'll just try resending as well.\n\nChannel 1: Yep.\n\nChannel 0: It looks like I'm having a little bit of a technical issues with the software. What I can do is I can just email you a copy.\n\nChannel 1: Yep. Yep.\n\nChannel 0: That way, you can kind of have a read over it. And then when the system is up and running again tomorrow, hopefully, I can send you all the completed digital signature just so I don't keep you for waiting for too long.\n\nChannel 1: Yep.\n\nChannel 0: Now just bear with me as I tryna get this sent to you. It's always like that with technology. It's great when it works, and now it does doesn't work. And it's it's usually like that at the end of the day too when IT and technology have left for the day as well.\n\nChannel 1: Yeah.\n\nChannel 0: So just bear with me, and I will trouble check. I have the right email here. It can also be because, yeah, we have just transitioned to a new software.\n\nChannel 1: Yep.\n\nChannel 0: Now I have email address jmstewart@outlook.com.au.\n\nChannel 1: Yeah. Sounds about right.\n\nChannel 0: Okay. Perfect. Now let me just see here. So what I will do, there are a lot of attachments supporting documents. But just\n\nChannel 1: Yeah.\n\nChannel 0: so I don't keep you waiting, I will just send you the main documents to go through today. And then, like I said, I'll get the team through, hopefully, trying to get IT on tomorrow when they are back in and\n\nChannel 1: Yep.\n\nChannel 0: send\n\nChannel 1: Yep.\n\nChannel 0: you the complete email, which has all your supporting documents and everything in there to make it easy. But then at least this way, you can actually see what we are going through\n\nChannel 1: Yep.\n\nChannel 0: today.\n\nChannel 1: Yep.\n\nChannel 0: Sorry. Let me see here. Alright. I just sent that just from my emails and not through the system. This is a PDF so you can open it.\n\nChannel 1: Yeah.\n\nChannel 0: And, hopefully, that comes through.\n\nChannel 1: I'm still nothing. Yes. Something came through.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: There we go. Now like I said, this is just a statement of advice for you. Now you will get all the supporting documents, applications,\n\nChannel 1: Yep.\n\nChannel 0: everything digitally, but at least we can kind of go through this for you now.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. Are you able to open that document okay as well?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Okay. Perfect. So I've put together this strategy for you, James, that I best believe are going to achieve your goals and your objectives. But at the end of the day, they are just recommendations.\n\nYou know, whether you wanna implement some of it or none of it or all of it at the end of the day, it is completely up to you.\n\nChannel 1: Yep.\n\nChannel 0: Now on the cover page here, you will see that this has been prepared and tailored to you specifically. It\n\nChannel 1: Mhmm.\n\nChannel 0: has been prepared by me. Now you can see my authorized representative number listed there, and I am licensed under Oakview Financial.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now on the next page, you will see the best interest duty and then the document is valid for sixty days. So it does give you a bit of time to obviously have a read over the document, any questions, and stuff like that. You can always just give me a call, and we can kind of go through that when you've had a bit of time to read over everything. Because like I said, there are a fair few things to get through.\n\nChannel 1: Yep.\n\nChannel 0: Otherwise, the best interest you do have you ever heard of that before?\n\nChannel 1: No. I have not.\n\nChannel 0: No. So best interest duty effectively. All it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, I\n\nChannel 1: Yep.\n\nChannel 0: can't actually make the recommendation.\n\nChannel 1: Is that\n\nChannel 0: And if\n\nChannel 1: a\n\nChannel 0: I\n\nChannel 1: is that a legal thing?\n\nChannel 0: correct. Yes. So we have to follow that first from the corporation's act, then also we have to follow the code of ethics. And if we breach it, we will lose a license. If I lose my license, I will lose my job, and my husband at home will be too happy with me.\n\nSo,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, there are a lot of legislation in place, both the law, but then also the code of ethics that anyone working as a financial adviser has to follow, and that forms\n\nChannel 1: Yep.\n\nChannel 0: part of that best interest duty.\n\nChannel 1: Okay.\n\nChannel 0: Does that all make sense?\n\nChannel 1: It does. Yes.\n\nChannel 0: Yeah. Great. Now on the next page, table of content, pretty self explanatory, just everything that we are going over. So just bear with me as we go through this.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now you will then have scope of advice. Now, basically, what this means is the areas we are looking at in this statement over time. But it does not mean that there's not other areas we can't look at down the track. But simply today, we're looking at your superannuation to cross off on those goals for you.\n\nAlso, investments within superannuation support you are currently invested in versus what I have recommended. And then also personal risk insurance because we did have that discussion in regards to your life, TCD income protection and the trauma insurance.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now, also, a little bit about estate planning on the following page, just factoring that in as well, just making sure that if something were to happen to you, it will go through as per your wishes. Now on the next pages, you will see scope of advice not considered. Now this is the areas, like I said, that we can definitely explore in more detail as we go. Sometimes it's easy to kind of get their foundation and everything sorted and then kind of build on everything.\n\nSo that\n\nChannel 1: Yep.\n\nChannel 0: would be, for example, debt reduction. So if you wanna work towards making it quicker to reduce your debt, we can definitely assist with that. If you need to save up to do more travel or anything like that, we can also have a look at that. And then also kind of down the track as well, if it is that we wanna explore the potential of the self fund super fund in a bit more detail, once kind of your super balance has grown a little bit, again, it's something that we can consider and work towards.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now you'll then have a section talking about limited advice. Can you see where I'm up to so far?\n\nChannel 1: Yes.\n\nChannel 0: Yes. So that is\n\nChannel 1: Yes.\n\nChannel 0: page seven. So this one here\n\nChannel 1: Yep.\n\nChannel 0: basically just shows you and tells you as well that I'm not a legal practitioner. I can't give you any legal advice. I can give you guidance on how to structure your beneficiary nominations from a tax and estate planning point of view, but can't give you any legal advice. Same goes that I can't prepare your tax statement. We can obviously do tax financial advice, but I can't prepare your tax statement.\n\nI'd have to refer it onto an accountant for that.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now underneath that, you will see a little table outlining the different strategies today. Now I\n\nChannel 1: Yep.\n\nChannel 0: will go through these in more detail as we go through them.\n\nChannel 1: Yep.\n\nChannel 0: Any questions so far?\n\nChannel 1: Nope.\n\nChannel 0: Nope.\n\nChannel 1: Nope.\n\nChannel 0: Perfect. Now the next two pages is just some little bit of information about you. If you can just have a quick read over that for me just to make sure that's all up to date or if we need to make any changes in the packet.\n\nChannel 1: No. Things are about right.\n\nChannel 0: Yep. Perfect. Which then takes us to your current superannuation and your insurances.\n\nChannel 1: Yep.\n\nChannel 0: So at the moment, you have your super with C Bus. You do have about a $144,356, and you do\n\nChannel 1: Yep.\n\nChannel 0: also have some insurances with one part paid from within. So you have your life, which you can see here, just over 1.5 mil, and then TPD insurance of 826,685.\n\nChannel 1: Yep.\n\nChannel 0: Now the total premium for those two is 2,142 and 86¢.\n\nChannel 1: Yes.\n\nChannel 0: Now the next three pages, I will let you kind of read over in your own time, but it does explain that risk profile in a bit more detail. So do you remember last time kind of going through that questionnaire about how you sell about market fluctuations and volatility and risks in superannuation?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Perfect. So you came out as a growth investor, but we kind\n\nChannel 1: Yep.\n\nChannel 0: of agreed that a high growth portfolio is going to be the most appropriate for you at the moment. You do have plenty of time until retirement, and your goal is to try to maximize that growth as much as possible. And it's only really that 10% difference. So what that looks like in terms of the asset allocation is that ninety ten split where you have 90% to your growth investment and 10 to defensive. Does that kind of ring a bell?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. Which then takes us through the actual recommendation, which is page 14. So this is the the first recommendation. Now to make it a little bit easier, I'll get you to scroll down first to page 18 for me, And you will see a fee comparison table.\n\nChannel 1: Let's go down to sixty nine eighteen.\n\nChannel 0: 18.\n\nChannel 1: Here we are. Yep.\n\nChannel 0: Yeah. You can see that table?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. So sometimes this makes it a little bit easier, and this is essentially where kind of all the compliance and legislation, everything comes down to effectively. I'm showing you the putting you in a better position. So this essentially summarizes all the advice and all the strategies together.\n\nSo\n\nChannel 1: Yep.\n\nChannel 0: if we look at first your current superannuation, so I had a look at, obviously, your current C bus, what you are invested in within C bus, as well as what you are paying for in fees.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: then what I have recommended, which is going to be a little bit better for you moving forward.\n\nChannel 1: Yep.\n\nChannel 0: Now at the moment, in your C Bass account, you are paying a total of about $1,250 per year in administration fees as well as investment costs.\n\nChannel 1: Yep.\n\nChannel 0: Now over the last five years, the portfolio that you are currently investing within CEVA has performed at an average rate of return of about 9.03%.\n\nChannel 1: Yep.\n\nChannel 0: Now what we have done on the next page is just forecasting that for five and ten years to show you. So if you scroll\n\nChannel 1: Yep.\n\nChannel 0: down one page, you can then kind of see the projected outcome for five and ten years with Zebra's and your one path insurance. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. So if you wanna scroll up for me through that same table. So I had a look around for other options both within Cbus and then outside of it as well. And once I kind of\n\nChannel 1: Yep.\n\nChannel 0: waited up what was going to be the best option for you specifically, it was a more sophisticated platform called Hub twenty four. Now have you ever heard of Hub twenty four before?\n\nChannel 1: Just gonna say no. Like, I may\n\nChannel 0: Okay.\n\nChannel 1: have, but not yeah.\n\nChannel 0: Yeah. Now, basically, just a little bit of background information for you. Hub twenty four, they have been around since about 2007. They are also directly listed on the Australian Stock Exchange with just under a 100,000,000,000 for dollars of funds under management. So essentially\n\nChannel 1: Yep.\n\nChannel 0: a massive conglomerate. They are one of the quickest growing superannuation kind of platforms out there, and it does offer a lot of benefits and features that some of their competitors doesn't do. Now one of those things is something that is called aggregate trading. Now, basically, what that means is that we can make trades on investment or with one broker fee rather than paying, you know, $10.20 dollars for each investment trade that we do make. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Yes. Yep.\n\nChannel 0: But, essentially, though, hub twenty four, just another super fund. You know, there is hundreds of them out there.\n\nChannel 1: Yep.\n\nChannel 0: And keep in mind, James, that all super funds are pretty much the same thing. They are basically just administration services that hold your money\n\nChannel 1: Yep.\n\nChannel 0: at the end of the day until you can access it.\n\nChannel 1: Yep.\n\nChannel 0: Now what really matters is what you can actually invest your money into within the fund itself. So, you know, it's\n\nChannel 1: Yep.\n\nChannel 0: not CBA or Australian Super or Australian Retirement Trust or Hub twenty four that kind of gets those returns and make your money grow. It is the actual investment option within the fund itself that gets those returns for you. Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Perfect. Now I'm not sure if you kind of had a play around with the investment choices in, but they are quite limited in how many options you can actually choose from.\n\nChannel 1: Well,\n\nChannel 0: Now\n\nChannel 1: in the buffer, just had a 100% in high growth.\n\nChannel 0: yeah.\n\nChannel 1: Yep.\n\nChannel 0: Which is just\n\nChannel 1: Yep.\n\nChannel 0: one one of the option, like, a that's a model portfolio that you've kind\n\nChannel 1: Yeah.\n\nChannel 0: of chosen within or default within Cbus,\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: and you don't actually know what's the underlying investment. You just basically know that you're in the high growth model portfolio. But\n\nChannel 1: Yes.\n\nChannel 0: if you were to kinda change it to something else, you would see that there wouldn't be too many options to choose from\n\nChannel 1: Yep.\n\nChannel 0: if you wanted to change it. But the good thing with Hub twenty four is that there's hundreds and hundreds of different investment options to choose from all the way\n\nChannel 1: Yep.\n\nChannel 0: down through direct shares, which is how we can kind of build and\n\nChannel 1: Yep.\n\nChannel 0: recommended portfolio within Hub twenty four using the same five year rolling average has been 13.56, which is that 4.53% better than your current portfolio, which, as\n\nChannel 1: Yep.\n\nChannel 0: you can probably imagine, does make a big difference when we are then compounding that forward.\n\nChannel 1: Yep.\n\nChannel 0: Now I do wanna mention as well that Hub twenty four as a platform is a little bit more expensive as you can see here than see that. Now admin fees\n\nChannel 1: And I'm\n\nChannel 0: is a little bit more\n\nChannel 1: could you just tell me what page I'm on again? Because I think I might have got lost.\n\nChannel 0: no. That's\n\nChannel 1: Sorry.\n\nChannel 0: page page 18.\n\nChannel 1: Yeah. I am I was only one page too far. Okay.\n\nChannel 0: Oh,\n\nChannel 1: Yep.\n\nChannel 0: yeah.\n\nChannel 1: Yep.\n\nChannel 0: Now as you have a look here, so overall, the the fee is a little bit higher than you see about\n\nChannel 1: Yep.\n\nChannel 0: the account,\n\nChannel 1: Yep.\n\nChannel 0: but you are getting a lot more value for money. Now for example, if you look at the difference, you see admin fees. Hub twenty four, the platform is more expensive. But then when\n\nChannel 1: Yep.\n\nChannel 0: you look at the investment fees, the portfolio we have recommended is actually quite a bit cheaper than what you're currently invested in.\n\nChannel 1: Yep.\n\nChannel 0: And then you can also see, like, other fees associated with the account is a little bit cheaper than SEVA. But overall, when you factor in, advice fee, it is a little bit more expensive.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now, again, all of this also includes, you know, salary sacrifice, new insurances, and every advice fee. It shows everything. That factoring\n\nChannel 1: Yes.\n\nChannel 0: in all of that, it still puts you in that better position, which is on the next page again, projecting five and ten years forward.\n\nChannel 1: So this is projecting more money, but that includes me doing salary sacrifice, which I'm currently not doing.\n\nChannel 0: Correct. So you can\n\nChannel 1: Okay.\n\nChannel 0: see the difference. And in the appendix as well, I have included another table not showing the increase in salary sacrifice to show you exactly like for like with the contribution and still showing\n\nChannel 1: Yes.\n\nChannel 0: you that it puts you in a lot better position. So that will be in\n\nChannel 1: Which\n\nChannel 0: the appendix. That's the\n\nChannel 1: Oh,\n\nChannel 0: one\n\nChannel 1: that.\n\nChannel 0: you will get tomorrow when the software is up and running. It will be an\n\nChannel 1: Okay.\n\nChannel 0: attachment. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So that will show you the the difference as well. So not showing salary sacrifice on both sides so that\n\nChannel 1: Yep.\n\nChannel 0: you can see that.\n\nChannel 1: And you do you think it's still better off if I don't do a salary sacrifice at the moment?\n\nChannel 0: Yes. Definitely. Obviously, doing contributions will impact it and will\n\nChannel 1: Yep.\n\nChannel 0: compound,\n\nChannel 1: Yep.\n\nChannel 0: but we're kind of starting with smaller amounts on salary sacrifice as well. So even without it, it still puts\n\nChannel 1: Yep.\n\nChannel 0: you in a lot better position, which is why we have included that in the appendix to show you that outcome for you as well.\n\nChannel 1: I I just I'd I'd love to, but it's it's everything's getting a bit expensive just right\n\nChannel 0: Yeah.\n\nChannel 1: now. If you do if you need stuff, I'm\n\nChannel 0: Yes.\n\nChannel 1: not sure if it's something I'll do right at this moment, but it is something I'd like to do. Yeah.\n\nChannel 0: Yeah. And\n\nChannel 1: Yeah.\n\nChannel 0: you definitely don't\n\nChannel 1: Yeah.\n\nChannel 0: have to. And it's one of those things as\n\nChannel 1: Yeah.\n\nChannel 0: well where clients sometimes stops and starts just depending on exactly what is going on in their life.\n\nChannel 1: Yeah.\n\nChannel 0: And if it is that you are happy with the recommendation, but you go, you know what? I don't wanna do salary sacrifice. We do not have to\n\nChannel 1: Yep.\n\nChannel 0: at all. There is a section when you get the digital copy tomorrow as well or when you have a read through, there is a section where it actually says alteration to the advice. So I have made a couple\n\nChannel 1: Yeah.\n\nChannel 0: of different options for your insurances because we did speak about that as well as the salary sacrifice. So if you go, a, I don't want salary sacrifice right now, just note that down, and then we can definitely note that that we're not looking at doing that. Maybe something down the track, not really right now. And that is perfectly fine. But that\n\nChannel 1: Yep.\n\nChannel 0: will kind\n\nChannel 1: On\n\nChannel 0: of make\n\nChannel 1: a on\n\nChannel 0: sense\n\nChannel 1: a\n\nChannel 0: when you see\n\nChannel 1: guide\n\nChannel 0: that.\n\nChannel 1: note, I just looked into my feedback account. Yeah.\n\nChannel 0: Mhmm.\n\nChannel 1: Probably because of this law and everything,\n\nChannel 0: Mhmm.\n\nChannel 1: it's it has dropped by $4.\n\nChannel 0: Yes. Yes.\n\nChannel 1: Yeah.\n\nChannel 0: And it we\n\nChannel 1: Yeah.\n\nChannel 0: are seeing that overall in the market as well. Now the tricky thing with your CBAS investments, which will come through a little bit sooner as well, is because you just invested in the model\n\nChannel 1: Yeah.\n\nChannel 0: portfolio, you basically have a fund manager within CBAS choosing what goes in and out of the investment portfolio,\n\nChannel 1: Yep.\n\nChannel 0: but you actually don't see what those underlying investments are. So you don't know which industries or which sectors or how they are\n\nChannel 1: Yep.\n\nChannel 0: invested, which sometimes can cause a little bit of issues if you don't have that transparency or you don't know what it is.\n\nChannel 1: Yep. Yes.\n\nChannel 0: It gives them the flexibility of chopping and changing, but sometimes it can be a little bit tricky. But overall, the last, you know, twelve months, we have seen a bit of fluctuations in the market\n\nChannel 1: Yep.\n\nChannel 0: with everything going on first in, like, The US with Trump and tariffs and everything and then with the war\n\nChannel 1: Yeah.\n\nChannel 0: and stuff like that. So it's also important to factor in diversification within your investments as well.\n\nChannel 1: Okay.\n\nChannel 0: But\n\nChannel 1: Yep.\n\nChannel 0: does that make sense so far, James?\n\nChannel 1: Yep. That's\n\nChannel 0: Yeah.\n\nChannel 1: good.\n\nChannel 0: Perfect. But most definitely, when this document was prepared, obviously, your balance was at a 144. If it's down to a 140 now, if\n\nChannel 1: 40.\n\nChannel 0: you said it dropped,\n\nChannel 1: Yep.\n\nChannel 0: yeah, by about that, it doesn't change the advice\n\nChannel 1: Yep.\n\nChannel 0: because it still obviously factors in the fees and the returns. And, really, the more you have, the the bigger difference is going to compound and\n\nChannel 1: Yep.\n\nChannel 0: put you in that better position. But I'll make sure, obviously, as well that when we in the appendix, like I said, I will show you no salary sacrifice\n\nChannel 1: Yep.\n\nChannel 0: so that you can see that. And I'll make a little note here as well. When we do you know, if if you are happy to come on board and we do the application, it sometimes does change, you know, day to day even with the amount, then that's perfectly fine. If it's a a really\n\nChannel 1: Yep.\n\nChannel 0: big drop between it, just let me know because then I might wanna just rerun the numbers if it's, like, a big drop just to redig that for you.\n\nChannel 1: Yep. I'm a bit on shot at the it jumped $4, you know, like a few weeks.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. And, also, you are in a in a high growth, but, again, because we don't\n\nChannel 1: Wow.\n\nChannel 0: know what's in CEVA,\n\nChannel 1: Yeah. Yep.\n\nChannel 0: so it can be, you know, different private equity. It can be high risk investment. It can be low risk. We just don't know because, obviously, CEVA just has that\n\nChannel 1: Yep.\n\nChannel 0: information, which I will actually go through go through then the portfolio\n\nChannel 1: Yep.\n\nChannel 0: that I have recommended and how that's different and how you can actually see and research every single option that's there. And\n\nChannel 1: Yep.\n\nChannel 0: it's all all there to give you that full transparency. But, yes, we are seeing a bit of those fluctuations recently, unfortunately, with everything going on. The good thing with overseas superannuation is a long term investment, but still, obviously, when it does fluctuate, it is a little bit disheartening because you work hard for the money, and you don't wanna lose it.\n\nChannel 1: Yes. I I know that this is the case with high growth that, like, you get some hitch, but in the long term should yeah.\n\nChannel 0: Exactly.\n\nChannel 1: Hopefully.\n\nChannel 0: And\n\nChannel 1: Yeah.\n\nChannel 0: and, typically, as well in, like, a high growth portfolio, we kind of say that the likelihood of a negative return is about one in five years. So in, like, a five\n\nChannel 1: Yes.\n\nChannel 0: year five year period is expected that one of those years might be negative as long as overall\n\nChannel 1: Yes.\n\nChannel 0: as a as a whole, it's obviously moving forward and growing, which is just kind of the nature of it that it is kind of, you know, long term, and then you add everything up.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: No worries.\n\nChannel 0: Now do you have any other questions on this page otherwise?\n\nChannel 1: Nope. Not at\n\nChannel 0: No.\n\nChannel 1: the moment.\n\nChannel 0: Great. Perfect. Now while we are here, if you then wanna scroll to the following page, just showing that five and ten year projection again.\n\nChannel 1: Yep.\n\nChannel 0: Underneath that, you can then also see the investment returns outlined a bit more for you. So you can have your twelve months, three years, and five years to show you a bit more information.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So if you then wanna scroll up for me, James, just back up to page\n\nChannel 1: Yep. Go on. Why is it on that?\n\nChannel 0: 14.\n\nChannel 1: So I'm using the iPad, and I using my pencil, and it started drawing on it instead of scrolling. 14.\n\nChannel 0: Oh, no. That's okay. Again, technology.\n\nChannel 1: Yeah. I have to use my finger to scroll. If I use a pen, it just starts writing on it. Yeah.\n\nChannel 0: You're like, no.\n\nChannel 1: Okay.\n\nChannel 0: Just give\n\nChannel 1: Yeah.\n\nChannel 0: the pack. Can you see that okay?\n\nChannel 1: Yeah. Page 14. Yes.\n\nChannel 0: Yes. So you can see here that, basically, this puts everything in query words, what I kind of just explained. So I'll let you have a read over that in your own time because it is a lot of information to take in. But it basically\n\nChannel 1: Yep.\n\nChannel 0: shows you kind of that best interest duty again of why the recommendation does align with your goals and your objectives and puts you in a\n\nChannel 1: Yep.\n\nChannel 0: better position. Kind of puts all of that in in there for you. You can actually see here that from the research, the investments I mentioned earlier, offers 16 investment choices, whereas Hub\n\nChannel 1: Yep.\n\nChannel 0: has 1,178 choices. So with Hub, it also gives us that flexibility that if it is a investment because it's not a set and forget strategy ever because you never know what's going to happen in the market. No one could predict COVID or what's going to happen. So the good thing with\n\nChannel 1: Yep.\n\nChannel 0: hub twenty four is because it gives us access to so many different investments, we can chop\n\nChannel 1: Yep.\n\nChannel 0: and change things based on what's going on.\n\nChannel 1: Yep.\n\nChannel 0: So it gives us that kind of flexibility. Now if you then wanna scroll down a little bit for me, on page 15, it does outline that, typically, the way that I like to do it is to do a partial rollover first, retaining 10,000 in Cbus temporarily. The only\n\nChannel 1: Yeah.\n\nChannel 0: reason we would do that is until your new insurance policy is enforced. As soon\n\nChannel 1: Mhmm.\n\nChannel 0: as that is enforced, we will then close down, and transfer that remaining 10,000. And that is just because at no point in time do I want to leave you uninsured if something were to happen to you in the process of applying for new insurance.\n\nChannel 1: Yep. Fair enough.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Perfect. Now, again, on the next couple of pages, it's quite wordy. So, again, I'll let you have a read over it, but it does kind of break down the advantages in regards to the recommendation, some disadvantages as well, which one of the disadvantages that it is. So a little bit more expensive, some risks to be mindful of as well, which is that there's always a level of risk associated with any investment\n\nChannel 1: Yep.\n\nChannel 0: option, and you can't\n\nChannel 1: Yep.\n\nChannel 0: guarantee the investment return. But that's also why we use the five year rolling average as a starting point to give us a bit more certainty of what's happened,\n\nChannel 1: Yes.\n\nChannel 0: you know, to the portfolio and the market. Because if we use twelve months, depending on when we would have done it, sometimes it would have made it look like you've won the lottery, Whereas other\n\nChannel 1: Yep.\n\nChannel 0: years, not so great. So that's why we do like to use that five year rolling average.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now alternatives considered, you can see that I did consider staying in C bus for you, changing some of the investments. But because of the limitations, that's available in C Bus, I just couldn't achieve the same outcome, in C Bus. And the other good thing with hub twenty four is that they offer something that's called family linking. So if that's ever a situation where a family have, you know, superannuation funds in the same platform, you can actually link accounts, which means that you get a discounted administration fee the more your balance grow because accounts suit the balances, like, as if it's one account even though it's two separate.\n\nChannel 1: Yes.\n\nChannel 0: So it is a kind of another good thing with hub 24 that it is another feature that you can have. Yep.\n\nChannel 1: Okay.\n\nChannel 0: Perfect.\n\nChannel 1: Where did it which page was it where you said that you looked at other\n\nChannel 0: Oh, yeah.\n\nChannel 1: right.\n\nChannel 0: 17.\n\nChannel 1: I'm still not thinking. Yeah. I see. I'm still back at so on page 17,\n\nChannel 0: At\n\nChannel 1: it does\n\nChannel 0: the\n\nChannel 1: all 10\n\nChannel 0: bottom?\n\nChannel 1: digits. Okay.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: So there is a\n\nChannel 1: Sorry.\n\nChannel 0: lot\n\nChannel 1: I\n\nChannel 0: more\n\nChannel 1: got a\n\nChannel 0: research.\n\nChannel 1: bit,\n\nChannel 0: No. That's\n\nChannel 1: yeah,\n\nChannel 0: okay.\n\nChannel 1: I got a bit\n\nChannel 0: Just\n\nChannel 1: lost in it. Yeah.\n\nChannel 0: just interrupt\n\nChannel 1: Yeah.\n\nChannel 0: me because I know there's a lot to get through.\n\nChannel 1: Yep.\n\nChannel 0: Now there is a lot more options that we did consider, but this just shows you some some of them, and the most competitive competitor was MyNorth. We also looked at, you know, Netwealth, Macquarie. There are other options. MyNorth was the most competitive in terms of fees and investment choices, but they don't offer the aggregate trading, which does reduce the fee in Hub twenty four and didn't have quite as many investment choices as hub twenty four. So, therefore, I didn't recommend my law.\n\nChannel 1: Fair enough.\n\nChannel 0: And I do use hub twenty four for my personal superannuation as well. And if I didn't think it was good, I wouldn't use them. I definitely wouldn't recommend it to you.\n\nChannel 1: Yep.\n\nChannel 0: But\n\nChannel 1: No\n\nChannel 0: it's not\n\nChannel 1: worries.\n\nChannel 0: to say that it's always potentially going to be the best option, James, because there's always new products and features continuously coming out. There is absolutely\n\nChannel 1: Yep.\n\nChannel 0: nothing tying us to hub twenty four. So if there is another one that comes out that is, you know, cheaper with just as much investment options, like I said, there is nothing, you know, preventing us from swapping Superfunds if it's going to be the\n\nChannel 1: Yep.\n\nChannel 0: better option for you. Yep. Perfect. Now if you can then scroll down to the investments for me, which is page 20.\n\nChannel 1: And, please?\n\nChannel 0: Yes. So you see a little table there?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. So this kind of outlines your current investments. So like you said as well, you are in a high growth portfolio, and a 100% of your money is in this portfolio. I kind\n\nChannel 1: Yep.\n\nChannel 0: of already touched that that is a managed fund option. Now do you know the different options between, like, a direct share or an ETF and a managed fund? Have you ever heard of that before?\n\nChannel 1: No. I've heard of self managed fundings. That was the last thing you said, I think.\n\nChannel 0: Self made\n\nChannel 1: Or\n\nChannel 0: super\n\nChannel 1: no.\n\nChannel 0: funds a little bit little bit differently.\n\nChannel 1: Okay.\n\nChannel 0: But, essentially,\n\nChannel 1: We'll just we'll\n\nChannel 0: with\n\nChannel 1: just work off now. I haven't heard that. Yeah.\n\nChannel 0: no. That's fine.\n\nChannel 1: Yeah.\n\nChannel 0: And most people haven't because it is obviously, like, a foreign thing.\n\nChannel 1: Yeah.\n\nChannel 0: Now for simplicity, to give you kind of a a rough idea of the different investment options, now this is all available in Hub twenty four as well, which is great, is that you can have direct share. So that is the most simple way. Let's say you wanna invest in BHP. Directly in BHP, you can invest in the company itself, just\n\nChannel 1: Yep.\n\nChannel 0: in BHP. Now that is a direct share because you invest directly in one particular company.\n\nChannel 1: Yep.\n\nChannel 0: You can then have an ETF, which is an exchange traded fund, which is a lot of the investment that I have selected for you. Now these are a little bit differently in let let's say you want to invest in the oil industry as a whole, but not just in DHP to give you a bit more diversification. You can\n\nChannel 1: Yep.\n\nChannel 0: then invest in an ETF, which kind of tracks different index and metrics depending on which one we choose. And it is a\n\nChannel 1: Yep.\n\nChannel 0: really good low cost option because you're kind of tracking an index, but then also it's very diversified because you don't invest in just one single option within the investment.\n\nChannel 1: Yep.\n\nChannel 0: And then you have managed fund, which is how your c bus is set up where you do have that portfolio manager kind of buying and selling different things depending on what is going on in the market, which sometimes works out well and sometimes it doesn't outperform.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So underneath that, you can then see the investment portfolio that we have put together for you. Now this gives you kind of all the transparency in the world because you know exactly what those investments are doing. If there's ever a situation where you don't, if you are very particular with not liking a particular investment or industry, we can always chop and change it, because Hub twenty four does have that 1,178 different options to choose from.\n\nChannel 1: Yep.\n\nChannel 0: And it's not a set and forget thing. So, again, things in markets can always change and evolve, and it is important to keep reviewing these just to make sure if there is one that's underperforming, we might wanna swap it out for something else depending on what is going on in the world as well.\n\nChannel 1: Yep.\n\nChannel 0: But, essentially, how we put together the portfolio there for you is that we put together it using a core satellite approach to investing, which essentially means that we are investing majority of the funds in what we would call your core, and they kind of represent, like, the backbone of the portfolio. And these are more those passive index funds that have done really well in the past, and we believe will continue to do so in the future. So these are kind of your biggest shareholding. So you will see here at 35%, the iShares S and P 500. Have you ever heard of that one before?\n\nChannel 1: No. Nope.\n\nChannel 0: No? Essentially, that one invests in the biggest 500 companies listed in The\n\nChannel 1: Yep.\n\nChannel 0: US. So you will have companies like Apple or Microsoft and Amazon, all the kind of big companies you would see and use every day. You then have 25% in the beta shares Australia 200. Again, we don't wanna put too much into one industry. We don't wanna put everything into the The US, but we wanna\n\nChannel 1: Yep.\n\nChannel 0: diversify things for you. So that 25% is in Australian investment. So that one invests in the two\n\nChannel 1: Yep.\n\nChannel 0: 100 largest companies listed on the ASX. So you will have\n\nChannel 1: Yep.\n\nChannel 0: companies like Commonwealth, BHP, CSL, Woolworths, for example. Again, all the kind of big companies in that portfolio.\n\nChannel 1: Yep.\n\nChannel 0: Now the rest of the investments you will see have a little bit of a smaller holding, and these would be what we would call your satellite investments because they can be a little bit more volatile. They can fluctuate a little bit more. They're a bit more specialized. That's\n\nChannel 1: Yep.\n\nChannel 0: why they do have a smaller portion allocated. But because the goal is we do wanna maximize that growth for you and diversify things for you, we wanna obviously find the niches and the opportunities to grow that for you while still not having too much allocated through them.\n\nChannel 1: Mhmm.\n\nChannel 0: So, for example, you'll see 6% to beta shift cybersecurity. Obviously, AI technology is not going anywhere anytime soon. You have a 9% in Europe. Again, trying to diversify everything for you around the globe. 5% in Japan, and then 8% across the globe.\n\nBut that one excludes The US because you already have that exposure to the ICS S and P 500. Because we don't wanna put too much into one area as well.\n\nChannel 1: I'm Sorry to be annoying. Can you tell me what page you're in again?\n\nChannel 0: Yeah. No. No. Not annoying\n\nChannel 1: Okay.\n\nChannel 0: at all, James. Page 20.\n\nChannel 1: Because sometimes I think I accidentally scroll beyond where you're at, and then I don't know.\n\nChannel 0: And\n\nChannel 1: Yeah.\n\nChannel 0: I got lost somewhere.\n\nChannel 1: Sorry. No. I was off just one page further. So I was trying to look at those percentages, and I was\n\nChannel 0: And you were\n\nChannel 1: then\n\nChannel 0: like,\n\nChannel 1: I\n\nChannel 0: I can't\n\nChannel 1: thought you\n\nChannel 0: see.\n\nChannel 1: were furthered. Yeah. Yeah. Yeah. Yeah.\n\nChannel 0: What are you talking\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: about? No.\n\nChannel 1: Yeah.\n\nChannel 0: Just page 20 and the weighted column.\n\nChannel 1: Yeah.\n\nChannel 0: And, basically, the bottom through there, the seven and five, are your more defensive. So I was telling them the fluctuations a little bit. So you have seven percent in gold and a 5% in fixed interest for you.\n\nChannel 1: Yep.\n\nChannel 0: Does that kind of make sense? I know it's probably a lot to take in.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: No.\n\nChannel 0: Perfect.\n\nChannel 1: I'm I'm I I get it. Yep.\n\nChannel 0: Yep. Now in the appendix as well, so when you do get that tomorrow, if it is something you do wanna read up on a bit more, in the appendix, I've included investment link to each and every one of these investments. So it is public. So if you do wanna go and have a read over them, you are more than welcome through. That will all be in the appendix when you receive that tomorrow as well.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. Now next up is just showing you the asset allocation. It is the pie chart. Can you see that?\n\nChannel 1: Yep. That's\n\nChannel 0: Yeah.\n\nChannel 1: the page I was just on.\n\nChannel 0: And\n\nChannel 1: Because\n\nChannel 0: you're like,\n\nChannel 1: when\n\nChannel 0: what\n\nChannel 1: you're saying\n\nChannel 0: are these\n\nChannel 1: percentages,\n\nChannel 0: numbers?\n\nChannel 1: I was like, I couldn't see the one you were saying. But\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Look. I'm seeing numbers just not the percentages.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Now this one here shows your risk profile at high growth, your existing portfolio, and then the\n\nChannel 1: Yeah.\n\nChannel 0: proposed. So\n\nChannel 1: Yeah.\n\nChannel 0: both very much aligned with your risk profile. The proposed has a little bit more in growth and defensive, but still kind of both align with your risk profile as well.\n\nChannel 1: What is what is defensive meant?\n\nChannel 0: So that will be your defensive investment. So you will see fixed interest. It can be different alternative investments and cash, for example. So these are the ones who kind of limit fluctuations a bit more kind of slow and steady investments.\n\nChannel 1: Okay. Yep.\n\nChannel 0: And, typically, the older you get, you might wanna start switching these. So the older you get, the closer you get to retirement. Most people want a bit more higher and higher in defensive because these are\n\nChannel 1: Yeah.\n\nChannel 0: the slow and steady. And if you wanna retire in, let's say, two, three years, you might not wanna be in a high growth. Because if that's the year you wanna retire and it's down, you\n\nChannel 1: Yeah.\n\nChannel 0: you know what I mean? So gradually, you wanna then start increasing it. But because you have plenty of time on the retirement,\n\nChannel 1: Yep.\n\nChannel 0: you do have obviously time through b mainly in that high growth, but just a tiny\n\nChannel 1: Yep.\n\nChannel 0: bit of that defensive for you.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now I'll go through the next strategy a bit quicker for you if it is something you're not really thinking about right now anyway, but I have included that for you, which is showing you the salary sacrifice that is page 22. Can you see that?\n\nChannel 1: Yes.\n\nChannel 0: Yes. So this just show you what $20 per week in salary sacrifice will do. So you can see your current position and\n\nChannel 1: Yep.\n\nChannel 0: the proposed\n\nChannel 1: Yep.\n\nChannel 0: position. Now it might look a little bit messy with all the numbers. Essentially, to summarize it for you, if you do $20 per week in salary\n\nChannel 1: Mhmm.\n\nChannel 0: sacrifice,\n\nChannel 1: Yeah.\n\nChannel 0: After tax in twelve months, it will mean that in in pocket, you will receive about $707 less in a year's time\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: after tax.\n\nChannel 1: Yep.\n\nChannel 0: And you can see that taxable income. That's also how you save a little bit because it comes pretax.\n\nChannel 1: Yep.\n\nChannel 0: The difference then underneath that is then extra going into super. So by doing $20 per week into super, you still get taxed in super, but concessionally at 15% instead of your\n\nChannel 1: Yeah.\n\nChannel 0: marginal tax rate at 30. It will mean that you will put $884 extra into super. And when you fact factor in kind of the difference between contributions and income, it's a net of about a 177 just kind of intact that you've saved.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: But, again, it's just to show you, and it's perfectly fine if you don't want to do this at this point. That is no stress. It's always something we can reevaluate when, you know, cash flow and stuff a little bit better or if you just have different priorities. That's perfectly fine.\n\nChannel 1: Yeah.\n\nChannel 0: So I'll kind\n\nChannel 1: How\n\nChannel 0: of skip\n\nChannel 1: are you?\n\nChannel 0: this and let you have a reader because, again, he outlines advantages and disadvantages and risks in regards to it, but I'll let you have a read over that in your own time.\n\nChannel 1: Yeah.\n\nChannel 0: Now do you have any other questions so far before I move on to your insurance recommendation?\n\nChannel 1: Not not\n\nChannel 0: No? Okay.\n\nChannel 1: at the moment.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Now with the insurance and, again, I have included different options for you in the appendix because I know when we spoke last time, you said it kind of depends on the price for you. You want as much as possible to give you and this family that protection if something were to happen.\n\nChannel 1: Yep.\n\nChannel 0: But, obviously, without knowing the price, it could impact things. So I'll run through because I have the the figures in front of me. Again, it might make more sense when you see the alternative, and the option is ultimately completely up to you which which ones you feel the most comfortable with.\n\nChannel 1: Yep.\n\nChannel 0: Now I did have a look at your one path insurance as well, and looked at just keeping that and alterating it through increasing the TPD up to life a little bit. But your one pass insurance, even though it has the same underwriter as Zurich, which is the one I have recommended, it was a bit more expensive and not as comprehensive. So I have recommended that we cancel one pass and apply with\n\nChannel 1: Yep.\n\nChannel 0: Zurich instead. It is very\n\nChannel 1: Yep.\n\nChannel 0: similar, though, in the process. They're both very comprehensive options. They're both underwritten, which is what makes the cover so good that, you know, because you are kind of locking into a contract with them when you apply for the cover, that means that anything after that point in time, you are covered. So if you\n\nChannel 1: Yep.\n\nChannel 0: change your occupation and you become an underground minor or you take up a super risky occupation, you are still covered. Or if anything were to happen to you health wise, you are still covered, which\n\nChannel 1: Yep.\n\nChannel 0: is what makes it so competitive. Does that make sense?\n\nChannel 1: Okay. Yes.\n\nChannel 0: Yep. Perfect. So what I have recommended here on this page is the most amount of cover. So it's a million dollars worth of life and total permanent disability insurance. Now\n\nChannel 1: Yep.\n\nChannel 0: the way that I have them structured to reduce the premium is to having them linked. Basically, what that means is that whichever event happens first is what you will be paid on. So\n\nChannel 1: Yeah.\n\nChannel 0: let's\n\nChannel 1: Yeah.\n\nChannel 0: say claim TPD, something were to happen, you get paid a million dollars, it cancels your life policy. But\n\nChannel 1: Yeah.\n\nChannel 0: I just added in a buyback option, which after twelve months reinstates your life. So if something\n\nChannel 1: Okay.\n\nChannel 0: were to happen after twelve months, it's then reinstated. And it just makes it so much cheaper for you than having them completely stand alone. It actually makes it cheaper than if you said to me, I only want TPD,\n\nChannel 1: Yep.\n\nChannel 0: which is kinda funny, but it just the insurance has multi policy discount, which does make it a bit cheaper.\n\nChannel 1: Okay.\n\nChannel 0: Now income protection, I have also added for you, and that is 70% of your income on a monthly basis, which will pay you a monthly amount of 7,292. I have added a, s three contribution feature. Again, it's not something you have to have, but it is quite good, which means that even if something were to happen to you and you are not working and you are getting income protection, you are still getting contributions into your super of about that 1,250 from the insurer, which is\n\nChannel 1: What\n\nChannel 0: really\n\nChannel 1: does\n\nChannel 0: good.\n\nChannel 1: s g stand for?\n\nChannel 0: Superannuation guarantee contribution. It means your employer\n\nChannel 1: Okay.\n\nChannel 0: contribution.\n\nChannel 1: Yep.\n\nChannel 0: So, basically, it means that 1,250 per month will\n\nChannel 1: We'll\n\nChannel 0: be\n\nChannel 1: still\n\nChannel 0: paid\n\nChannel 1: go\n\nChannel 0: in\n\nChannel 1: into super.\n\nChannel 0: correct. So\n\nChannel 1: Yep.\n\nChannel 0: even though you're not getting any form and your employer is not paying for it, the insurance will will put that in while you are on claim.\n\nChannel 1: Yep. And what does where does this definition says indemnity? What does that mean?\n\nChannel 0: Yeah. That's that's a very good question. Now with insurance, income protection that used to be two definitions back in the days, and now only new and policies have indemnity style. You used to have\n\nChannel 1: Yep.\n\nChannel 0: an agreed definition and indemnity style. Indemnity style means that that is the income at the time of claim. So it is important\n\nChannel 1: Yep.\n\nChannel 0: to keep reviewing them, especially as your income change. So for example, if your income at the time of something were to happen to you is 80,000, even though\n\nChannel 1: Yep.\n\nChannel 0: you are covered for more, you are only gonna get paid for 70 percent of 80,000 because that is your income at the time of the claim.\n\nChannel 1: Yep.\n\nChannel 0: On the other side, though, that if you are your income is, let's say, 300,000, because\n\nChannel 1: Yep.\n\nChannel 0: you are only insured for up to 7,292, even though your income might be more, you are only going to get 70% of what you are insured for. So that is why\n\nChannel 1: Okay.\n\nChannel 0: it is important to review them. Now the good thing with Zurich is that every twelve months within thirty day of the anniversary period now you don't have to remember this, but you can\n\nChannel 1: Yeah.\n\nChannel 0: do an increase with up to 15% of income without having to go through underwriting, which is really good. Because otherwise,\n\nChannel 1: Yep.\n\nChannel 0: every time you increase the cover, the insurers are like, woah. You we are taking on more risk, so you have to go through the underwriting process again.\n\nChannel 1: Yep.\n\nChannel 0: And the old definitions of agreed value was that it was agreed upon at the time of the policy. So the benefit of that was, like, if your income when you took out the policy was 300,000, even if your income at the time of claim was 20,000, you would get 70% of 300,000. But as you\n\nChannel 1: Yep.\n\nChannel 0: can probably imagine, a lot of people were sometimes better off on income protection claim than you were working. Sorry. The insurance paid a lot\n\nChannel 1: Yep.\n\nChannel 0: of money, so they changed that.\n\nChannel 1: Yep.\n\nChannel 0: So new policies, you can't get that anymore.\n\nChannel 1: Okay.\n\nChannel 0: So that is a good question.\n\nChannel 1: Yep.\n\nChannel 0: Now I have looked at the waiting period of thirty days. Now we did look at as short as possible for you as well. Obviously, finances, a lot of people can't survive very long without an income. Zurich\n\nChannel 1: Yep.\n\nChannel 0: and OnePath are the only providers where you only have to wait fifteen days after waiting period before you get paid. All the other providers is thirty days.\n\nChannel 1: Wow. Okay.\n\nChannel 0: So that would mean that you would wait thirty days plus fifteen before you get paid, so it's forty five, but all the other providers, you'd wait sixty.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So that is that is an added benefit with Zurich. Now\n\nChannel 1: Yep.\n\nChannel 0: I\n\nChannel 1: Mhmm.\n\nChannel 0: have recommended here to show you the most comprehensive option on your income protection, which\n\nChannel 1: Yep.\n\nChannel 0: shows you of having the income protection all the way up to the age of 65. So that is if something were to happen, you can get paid all the way up to the age of 65 if you can't work. So this is the most comprehensive option, also the most\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: all those three, you can see here that the total premium is 3,364.\n\nChannel 1: Yeah.\n\nChannel 0: Now just for reference, your life and TPD alone at\n\nChannel 1: Yep.\n\nChannel 0: the moment with one pass is 2,521, and that doesn't include income protection, which is the most expensive.\n\nChannel 1: Yep.\n\nChannel 0: Now\n\nChannel 1: I, yeah, I don't have that currently.\n\nChannel 0: no. Now in the appendix, which, again, you will see tomorrow, I have included an alternative income protection configuration. So life's\n\nChannel 1: Mhmm.\n\nChannel 0: the same, TPD the same, income per section exactly the same, but the benefit period instead of being all the way to the age of 65 is showing you five years. So a little bit less\n\nChannel 1: Yep.\n\nChannel 0: to still show you that, and the premium\n\nChannel 1: Mhmm.\n\nChannel 0: for that is\n\nChannel 1: Okay.\n\nChannel 0: 1,853. So it does make a bit of a difference in price, but it also means you're only covered for five years instead of\n\nChannel 1: Yeah.\n\nChannel 0: all the way up to the age of 65.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Now the good thing with the insurance as well, I always say that if it is affordable, it's always better to start higher because it's super easy to decrease it. If, for example, you say, you know, I'm happy to start with age 65, but the older you get, the more expensive they're gonna become. So in a couple of years, if you were to say, do you know what? I feel like it's getting more expensive. Let's reduce it to five years.\n\nIt's a quick form. The insurers are happy to take take more take on more risk less risk. But if\n\nChannel 1: Yep.\n\nChannel 0: you say the opposite, let's say you start with five years, and then in a couple of years, you go, oh, do you know what? I wanna increase it to age 65. Because the\n\nChannel 1: Mhmm.\n\nChannel 0: insurers will take on more risk, they will say, okay. Well, we have to go and assess everything again, your medical, your health, your lifestyle, because they are taking on more risk. And if something's happened to you in that time frame, you know, you might not be able to get covered. Does that make sense, Jim?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. But, again, the options are there, so it's completely up to you what you are comfortable with.\n\nChannel 1: No. Are\n\nChannel 0: Now almost at the\n\nChannel 1: you?\n\nChannel 0: end for you, which is then showing you page 26, which is your trauma recommendation. Do you remember\n\nChannel 1: Yep.\n\nChannel 0: what the trauma was?\n\nChannel 1: Uh-huh. I think it was a a one off payment if\n\nChannel 0: Yes.\n\nChannel 1: something happens.\n\nChannel 0: Yes. Yes.\n\nChannel 1: Yeah.\n\nChannel 0: No. Very much.\n\nChannel 1: Yeah.\n\nChannel 0: So it's a lump sum payment that is completely tax free. It's paid\n\nChannel 1: Yeah.\n\nChannel 0: through you if you suffer a traumatic event. So that would be your biggest ones, like cancer, stroke, heart attack, different neurological conditions. And you just\n\nChannel 1: Yep.\n\nChannel 0: need to get that the definitions from the doctor, and you will then be paid out a lump sum payment completely tax free. Again, this is just to show you the premium. So at the end of the day, you can decide what you would like to do. Now\n\nChannel 1: Yep.\n\nChannel 0: I have done two options for you again because we spoke about that last time. So I've shown you here, again, the most comprehensive, which is 200,000. That is 2\n\nChannel 1: Yep.\n\nChannel 0: 100,000 worth of trauma. Now I have added a secondary life policy. The only\n\nChannel 1: Yes.\n\nChannel 0: reason I have that is to reduce the trauma price because, again, that kind of multi policy discount. That is the only reason.\n\nChannel 1: And what's the last one?\n\nChannel 0: Of 200,000. So that would be if you would pass away, that will be an additional 200,000 paid to your family.\n\nChannel 1: On top of the other million.\n\nChannel 0: Yes. Exactly.\n\nChannel 1: Okay.\n\nChannel 0: So it'll be\n\nChannel 1: Yeah.\n\nChannel 0: 1.3. Again, the only reason I have done that is to reduce the trauma out of pocket because it's\n\nChannel 1: Okay.\n\nChannel 0: more expensive to do it by itself, which, again, seems weird. It just makes\n\nChannel 1: Yeah.\n\nChannel 0: it cheaper.\n\nChannel 1: Yeah.\n\nChannel 0: And now I have shown you so this one here will be $32.40 per month for both of those.\n\nChannel 1: Yep.\n\nChannel 0: I have shown you in the appendix, which, again, you will see tomorrow, of a 100,000. The premium\n\nChannel 1: Yep.\n\nChannel 0: for a 100,000 is $16.64 per month.\n\nChannel 1: Yep.\n\nChannel 0: Does that make sense? Yeah. Perfect.\n\nChannel 1: Yep. It does.\n\nChannel 0: Underneath it, you can then see your one path insurance as well that we would obviously look through to change that.\n\nChannel 1: Yep.\n\nChannel 0: Now, again, it shows that best interest due to going back to that again, making sure we always take your best interest at heart and that the advice will align with your goals. So, again, I'll let you have a read over that in your own time because I know I've kept you on the phone for a while. But, essentially, everything we've kind of gone over, it's kind of put in black and white for you.\n\nChannel 1: Yep.\n\nChannel 0: It also on page 28, you'll see a little bit of a table, just of a needs analysis, which is kind of what we discussed last time. It's just putting the numbers there. So if\n\nChannel 1: Yep.\n\nChannel 0: something were to happen for life and TPD, paying out all the debts, having a bit for funeral expenses, also, it will be about four years worth of income replacement if something were to happen to you. And that gets us that outcome.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: That is just outcome. That is just to show you if you were to say, you know what? I'm happy with Zip, but I don't want insurances, what the outcome will be. But even if you look at, like, say, five years, it's not a great deal difference, but it will mean that if something were to happen, you will have a life activity and income protection to protect you and the family.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Again, on the next pages, it'll put everything into words. So you'll have advantages in recommendation,\n\nChannel 1: Yep.\n\nChannel 0: disadvantages, also some risks to be mindful of. One of the biggest risk is making sure that when we do the insurance application, you answer the questions truthfully. So if something ever were to happen come claim time, that's all\n\nChannel 1: Yep.\n\nChannel 0: correct.\n\nChannel 1: Yep.\n\nChannel 0: Otherwise, disadvantage is if you do want trauma, you'll have to pay a little bit out of pocket. And, obviously, adding income protection overall, even though it is better value for money, it is a little bit more expensive if you do decide to go with the $8.65 benefit option. Now\n\nChannel 1: Yep.\n\nChannel 0: the last thing I do wanna mention with the insurances is at the bottom of page 30. Can you see page 30?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Now I know as well we spoke a little bit about trauma for children if something were to happen.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: So on the current trauma, but you were kind of leaning more towards just the added option for\n\nChannel 1: Yep.\n\nChannel 0: for cost purposes. So for both the 100,000 and the 200, I've included\n\nChannel 1: Mhmm.\n\nChannel 0: this option for you. And\n\nChannel 1: Okay.\n\nChannel 0: that essentially, as you can see that, it means that it will pay a benefit if one of your children between the ages of two and 18 suffer from a specific event. Now in the PDF, it will actually outline what all of those are for you.\n\nChannel 1: Yep.\n\nChannel 0: So a lot of information, but it will give you a bit of a buffer if something were to\n\nChannel 1: Yep.\n\nChannel 0: happen to any of your children. And it's also there's also an additional 5,000 funeral benefit if something ever\n\nChannel 1: Yep.\n\nChannel 0: were to happen at all. And that's all just added to your trauma policy.\n\nChannel 1: Yep.\n\nChannel 0: Any questions so far? No. It's probably a lot with insurances as well.\n\nChannel 1: No. It's\n\nChannel 0: No.\n\nChannel 1: information overload. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Which is why I wanna\n\nChannel 1: Yep.\n\nChannel 0: make sure you can have your time to go through it. I do wanna mention that there is a lot so at the bottom of page 32, there is a lot of different insurances, a lot of research that goes into choosing the best one for you. So\n\nChannel 1: Yep.\n\nChannel 0: option looked at was talus and that MetLife meals. Also, one part when factoring in price and what the features are. Zero came out the most the best one for you specifically.\n\nChannel 1: Yep.\n\nChannel 0: Now I'll kind of skip over the beneficiaries. We touched on that last time. Obviously, going to your spouse, completely tax free. Children 18,\n\nChannel 1: Yep.\n\nChannel 0: completely tax free as well. So there's just a little\n\nChannel 1: Yep.\n\nChannel 0: bit of information on that. I've also just included some information in regards to a will and power of attorney. I do always recommend that it is good for everyone to have. But, again, it's just information there for you,\n\nChannel 1: Yep.\n\nChannel 0: which then kind of takes us almost at the end, which is just you're showing your ongoing services. That is page 40, which just mean that we are at every 12 months, at a minimum, we'll go through a comprehensive and a review, which is where we reassess everything. So if anything's changed in your life where we might need to make changes with advice, if there's any changes with investments we want to do, at a minimum every 12, we will do that. We can do it more frequently. I have some clients who want them more frequently.\n\nSome people are more than happy to just do it once a year on unless something happens to the market, obviously. But that basically shows you all of that. But it also gives you access through, you know, continuous advice. So if there's ever anything that you want help or guidance on or advice in any areas, you can always give us a call. You can call me once a week or once a month.\n\nYou know, it doesn't change the fee in any way. You always have access to it.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now the last information is just a little bit of important information. Again, I'll let you have a read over it. I do wanna point out as well that you do have a fourteen day cooling off period. So if you decide that you, you know, wanna go ahead and apply for life insurance and\n\nChannel 1: Yep.\n\nChannel 0: super and everything like that, you change your mind, you do have a fourteen day cooling off period, but there is no lock in contract. There's no lock in contract with us either. So if you decide that you okay. Cool. I wanna give it a go.\n\nBut then let's say at some point in time, you are not happy with the services or anything like that, there is no lock in contract. You can cancel whenever you want through, and we can then help you roll you back to Zebra or wherever it is that you want to go if\n\nChannel 1: Yep.\n\nChannel 0: you are not happy.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. Now the last thing I do wanna just quickly run through before I let you go today is just the remuneration section, which is page 42. Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. Now there is an implementation fee if you do decide that you would like to come on board, which is three\n\nChannel 1: Mhmm.\n\nChannel 0: point 3% of your super balance. Now that is for the implementation of the advice. So it basically\n\nChannel 1: Yep.\n\nChannel 0: pays for everything up until this point. So my time, power planner's time, research, basically keeps the light on in the office. Now that is a one off advice fee that is deducted\n\nChannel 1: Yep.\n\nChannel 0: at the very beginning and never again. So if we do some research and we feel like how to enforce is not the best option and we choose to go elsewhere, no. You don't have to pay advice fee ever again upfront. That's\n\nChannel 1: That's\n\nChannel 0: just one\n\nChannel 1: already\n\nChannel 0: stop.\n\nChannel 1: done?\n\nChannel 0: Correct.\n\nChannel 1: Yep.\n\nChannel 0: This amount here, which you can see, was included in those projection table we went through earlier where it shows you everything net of fees. So that was all included in there.\n\nChannel 1: Yep.\n\nChannel 0: Now you will also see here Zurich. Sorry. Zurich does pay us a commission\n\nChannel 1: Yep.\n\nChannel 0: for recommending insurances. Now they do 66% of the premium upfront. The next page, you will see 22% of the premium ongoing. That is Zurich\n\nChannel 1: Yep.\n\nChannel 0: paying us, though. It is not you paying us.\n\nChannel 1: Yeah.\n\nChannel 0: It is the same for every single insurer out there, so it doesn't play us in any way to recommend one provider over the other. But for compliance purposes, we need to disclose any commissions we receive so you are fully aware.\n\nChannel 1: Yeah. No\n\nChannel 0: Perfect.\n\nChannel 1: worries.\n\nChannel 0: Last thing is the ongoing advice fee. So there is an ongoing advice fee. Now, typically, this is 1.65% of your total balance. It is calculated annually, but it is deducted monthly for you. But because, obviously, Leah is the client that has been reduced for you down to one\n\nChannel 1: Yep.\n\nChannel 0: point one. And if it is that you do become a client, we would honor the same discount of rate for her as well.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: Can\n\nChannel 0: that\n\nChannel 1: I\n\nChannel 0: essentially\n\nChannel 1: just just a question? If we\n\nChannel 0: yeah.\n\nChannel 1: go back a page,\n\nChannel 0: Yes.\n\nChannel 1: it says total is 7,633. Are you\n\nChannel 0: Mhmm.\n\nChannel 1: saying $4,007.64 would come out of my Subaru,\n\nChannel 0: Correct.\n\nChannel 1: but the $2.08 $6.09 will not come out of my Subaru? That just comes from Zurich?\n\nChannel 0: Correct. That is\n\nChannel 1: No.\n\nChannel 0: exactly\n\nChannel 1: Okay.\n\nChannel 0: right. Yes. Yeah. That is just to show you only pay the super. That's it.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: And would this be adjusted? Like, right now, it says $4.07, but as we said before, my suit is dropped. So would that be adjusted if\n\nChannel 0: Correct.\n\nChannel 1: we got to that stage? Yeah.\n\nChannel 0: Yes. So it's 3.3 of your super balance because it is\n\nChannel 1: Yeah.\n\nChannel 0: that percentage. So if it is that your super has dropped to that $1.04, then, yes, it will be reduced.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: No worries.\n\nChannel 0: Good question, though. And, yeah, same for that 1.1. Like I said, just that's the only one you pay. You don't pay the Zurich one there.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: So if once it's set up, we pay that one that fee on page 42, and then every year, we'll be paying what's on page 43 in in a nutshell. Is that right?\n\nChannel 0: Correct. Obviously, it\n\nChannel 1: Yeah.\n\nChannel 0: is a percentage of your balance. As your\n\nChannel 1: Yeah.\n\nChannel 0: balance grow, it\n\nChannel 1: Yeah.\n\nChannel 0: will get more. But it's so, obviously, that mutual beneficial that, obviously, there is obviously, from all the the legal side and ethical side of obviously making sure your superannuation grow as much as possible because there\n\nChannel 1: Yep.\n\nChannel 0: is kind of mutual beneficial. The 1.1% stays the same, though. There is no changes\n\nChannel 1: Yep.\n\nChannel 0: to that.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. Any other questions in regards to the fee?\n\nChannel 1: Nope.\n\nChannel 0: No? Perfect. And, basically, at the the last couple of pages, they'll let you have a read of\n\nChannel 1: Nope.\n\nChannel 0: your own own time. It just recaps everything. It recaps the process on how to implement everything. Now you can obviously ignore the salary sacrifice if you don't want to do that. That is perfectly fine, and you don't have\n\nChannel 1: Yep.\n\nChannel 0: to remember all these steps. We would do all of that for you. We'll kind of guide you through each and every single step. And as soon as\n\nChannel 1: Yep.\n\nChannel 0: your hub twenty four would be open, we'll give you the forms to give to your employer to change contributions. We would obviously\n\nChannel 1: Yep.\n\nChannel 0: cancel your one pass. We would do all of that for you. This just shows you the the kind of steps, otherwise.\n\nChannel 1: So I won't have to try and cancel, and you sort that out.\n\nChannel 0: We would do that. Yes.\n\nChannel 1: Awesome.\n\nChannel 0: Yep. So we'll handle all the paperwork and everything like\n\nChannel 1: Yeah.\n\nChannel 0: that. For you, if you ever if anything ever were to happen and you need to make a claim on any insurances, you just call us. You don't ever have to deal with Zurich. You don't have to deal with Hub twenty four. You just call us, and we are kind of that middleman for everything if something ever were to happen as well.\n\nChannel 1: So I become paraplegic. I just give you a call with my mouth, and you work\n\nChannel 0: Yes.\n\nChannel 1: it out. Yeah.\n\nChannel 0: Exactly.\n\nChannel 1: Okay.\n\nChannel 0: Or if or if Leah calls on your behalf.\n\nChannel 1: Okay.\n\nChannel 0: But but\n\nChannel 1: No\n\nChannel 0: yeah.\n\nChannel 1: worries.\n\nChannel 0: Obviously, I\n\nChannel 1: Yeah.\n\nChannel 0: hope that never happens.\n\nChannel 1: Yeah.\n\nChannel 0: But, yes, if anything ever happened because, also, it's like we work for you. I don't we don't\n\nChannel 1: Yeah.\n\nChannel 0: work for Zurich, and we fight with the insurance company all the time. And our goal is\n\nChannel 1: Yeah.\n\nChannel 0: to make sure that if we have an insurance policy in place for you, if something were to happen, you will get the money.\n\nChannel 1: Yeah.\n\nChannel 0: So insurance company can be very tricky. A lot of them don't actually deal with clients directly. They only deal with advices for that purposes as well and also for compliance, whereas we obviously know\n\nChannel 1: Yep.\n\nChannel 0: how to deal with it and how to push to make sure that at the end of the day, you and your family will get you know, if\n\nChannel 1: Yep.\n\nChannel 0: something is gonna happen.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. Now I know that was a lot of information, so I will let you go. I will let you have\n\nChannel 1: Yep.\n\nChannel 0: a read over it. Like I said, I will get the team to have a look at this software and send you the documents tomorrow. Would you like them to send you a text message when we've sent it just to make sure it does come through?\n\nChannel 1: Yeah. No. No worries.\n\nChannel 0: Yeah?\n\nChannel 1: That'd be helpful.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. If you do have any issues, though, and it doesn't come through, just please let me know, and I'll see if I can send it a different way. It seemed like it was just a today thing because earlier today, I had no problem, and now it showed\n\nChannel 1: Yep.\n\nChannel 0: up as a bit of an error and always like that with IT leave leave.\n\nChannel 1: Yeah.\n\nChannel 0: So I'm sure that all be sorted tomorrow. In the appendix, like I said, you will have the the change in showing no salary sacrifice and also those insurance recommendations if you wanna have a bit of a think about what you would like to do as well and seeing those premiums. Otherwise, I will let you have a read over everything,\n\nChannel 1: Yeah. No\n\nChannel 0: and\n\nChannel 1: worries.\n\nChannel 0: the team might reach out in a couple of days just to see if you've had a read through it or any questions or what your thoughts are on on everything there for you, Jane.\n\nChannel 1: No worries. Thank\n\nChannel 0: Yep.\n\nChannel 1: you.\n\nChannel 0: Perfect. Well, thank you so much for your time and patience this afternoon. I will get you let you go and enjoy the rest of your evening. But, otherwise, I\n\nChannel 1: Yep.\n\nChannel 0: very much look forward to speaking with you soon again.\n\nChannel 1: Thank you very much.\n\nChannel 0: No problem, James. We'll\n\nChannel 1: Thank\n\nChannel 0: speak soon.\n\nChannel 1: you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.025876455008983612}],"sentiment":"neutral","sentiment_score":0.025876455008983612,"channel":1,"num_words":1,"start":1.28,"end":1.78},{"sentences":[{"text":"Good afternoon.","start":2.72,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.17829183489084244},{"text":"Is this James?","start":3.4399998,"end":4.26,"sentiment":"neutral","sentiment_score":0.07456008344888687}],"sentiment":"neutral","sentiment_score":0.1160527840256691,"channel":0,"num_words":5,"start":2.72,"end":4.26},{"sentences":[{"text":"Hello?","start":5.6,"end":6.1,"sentiment":"neutral","sentiment_score":0.03279039263725281}],"sentiment":"neutral","sentiment_score":0.03279039263725281,"channel":1,"num_words":1,"start":5.6,"end":6.1},{"sentences":[{"text":"Good 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you booked in to go over your strategy recommendation.","start":18.235,"end":20.895,"sentiment":"positive","sentiment_score":0.3634601026773453},{"text":"Is now still a good 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just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay?","start":26.65,"end":34.19,"sentiment":"neutral","sentiment_score":0.04183482931091868},{"text":"Yep.","start":35.53,"end":36.03,"sentiment":"neutral","sentiment_score":0.08566503971815109},{"text":"Perfect.","start":36.17,"end":36.67,"sentiment":"neutral","sentiment_score":0.2349958568811417},{"text":"And how's your day been so far?","start":37.29,"end":38.89,"sentiment":"neutral","sentiment_score":0.14174967259168625},{"text":"I've been 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I will","start":47.525,"end":50.085,"sentiment":"neutral","sentiment_score":-0.02015768891821305}],"sentiment":"neutral","sentiment_score":-0.04350819051265717,"channel":0,"num_words":25,"start":44.405003,"end":50.085},{"sentences":[{"text":"Yep.","start":50.065002,"end":50.565002,"sentiment":"neutral","sentiment_score":0.09648174047470091}],"sentiment":"neutral","sentiment_score":0.09648174047470091,"channel":1,"num_words":1,"start":50.065002,"end":50.565002},{"sentences":[{"text":"try to do it as quickly as I can for you.","start":50.085,"end":52.345,"sentiment":"neutral","sentiment_score":0.11546896804462779}],"sentiment":"neutral","sentiment_score":0.11546896804462779,"channel":0,"num_words":11,"start":50.085,"end":52.345},{"sentences":[{"text":"Yep.","start":52.625,"end":53.125,"sentiment":"neutral","sentiment_score":0.02573787234723568}],"sentiment":"neutral","sentiment_score":0.02573787234723568,"channel":1,"num_words":1,"start":52.625,"end":53.125},{"sentences":[{"text":"And now, James, do you have access to your emails at the moment?","start":54.190002,"end":57.33,"sentiment":"neutral","sentiment_score":0.013813310589354772}],"sentiment":"neutral","sentiment_score":0.013813310589354772,"channel":0,"num_words":13,"start":54.190002,"end":57.33},{"sentences":[{"text":"Yes.","start":58.065002,"end":58.47,"sentiment":"neutral","sentiment_score":0.053265802562236786}],"sentiment":"neutral","sentiment_score":0.053265802562236786,"channel":1,"num_words":1,"start":58.065002,"end":58.47},{"sentences":[{"text":"Alright.","start":59.230003,"end":59.71,"sentiment":"neutral","sentiment_score":0.1158093437552452},{"text":"Perfect.","start":59.71,"end":60.21,"sentiment":"neutral","sentiment_score":0.22356906533241272},{"text":"So what I'm going to do is I am going to send you an email with some documents to 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nothing.","start":162.25,"end":163.47,"sentiment":"neutral","sentiment_score":-0.0979917546113332}],"sentiment":"neutral","sentiment_score":-0.060315976185458045,"channel":0,"num_words":7,"start":151.275,"end":163.47},{"sentences":[{"text":"Yep.","start":172.78,"end":173.18,"sentiment":"neutral","sentiment_score":0.03064703941345215},{"text":"You've got the correct email.","start":173.18,"end":174.45999,"sentiment":"neutral","sentiment_score":0.06094675064086914},{"text":"I I see it.","start":174.45999,"end":175.59999,"sentiment":"neutral","sentiment_score":0.05691848136484623}],"sentiment":"neutral","sentiment_score":0.05630547180771828,"channel":1,"num_words":10,"start":172.78,"end":175.59999},{"sentences":[{"text":"Yes.","start":176.585,"end":176.905,"sentiment":"neutral","sentiment_score":0.06381179392337799},{"text":"Let me triple check that for 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the cover page here, you will see that this has been prepared and tailored to you specifically.","start":401.66998,"end":406.88998,"sentiment":"neutral","sentiment_score":0.16145711274523483},{"text":"It","start":408.15,"end":408.31,"sentiment":"neutral","sentiment_score":0.11398874223232268}],"sentiment":"neutral","sentiment_score":0.15908369421958923,"channel":0,"num_words":20,"start":401.66998,"end":408.31},{"sentences":[{"text":"Mhmm.","start":408.255,"end":408.755,"sentiment":"neutral","sentiment_score":0.10938732326030733}],"sentiment":"neutral","sentiment_score":0.10938732326030733,"channel":1,"num_words":1,"start":408.255,"end":408.755},{"sentences":[{"text":"has been prepared by me.","start":408.31,"end":409.99,"sentiment":"neutral","sentiment_score":0.08769861757755279},{"text":"Now you can see my authorized representative number listed there, and I am licensed under Oakview 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the next two pages is just some little bit of information about you.","start":675.8,"end":681.0,"sentiment":"neutral","sentiment_score":0.1907773188182286},{"text":"If you can just have a quick read over that for me just to make sure that's all up to date or if we need to make any changes in the packet.","start":681.0,"end":688.52496,"sentiment":"neutral","sentiment_score":0.11939194274600595}],"sentiment":"neutral","sentiment_score":0.14796258057368564,"channel":0,"num_words":47,"start":674.83997,"end":688.52496},{"sentences":[{"text":"No.","start":689.285,"end":689.605,"sentiment":"neutral","sentiment_score":-0.03532574698328972},{"text":"Things are about 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recommendation.","start":797.315,"end":799.575,"sentiment":"neutral","sentiment_score":0.1251808436853545},{"text":"Now to make it a little bit easier, I'll get you to scroll down first to page 18 for me, And you will see a fee comparison table.","start":800.435,"end":812.95,"sentiment":"neutral","sentiment_score":0.13689279848975794}],"sentiment":"neutral","sentiment_score":0.11630852490055318,"channel":0,"num_words":49,"start":789.5,"end":812.95},{"sentences":[{"text":"Let's go down to sixty nine eighteen.","start":814.9,"end":818.425,"sentiment":"neutral","sentiment_score":0.06974224905882563}],"sentiment":"neutral","sentiment_score":0.06974224905882563,"channel":1,"num_words":7,"start":814.9,"end":818.425},{"sentences":[{"text":"18.","start":818.53,"end":819.03,"sentiment":"neutral","sentiment_score":0.04854857176542282}],"sentiment":"neutral","sentiment_score":0.04854857176542282,"channel":0,"num_words":1,"start":818.53,"end":819.03},{"sentences":[{"text":"Here we 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table?","start":819.97,"end":821.27,"sentiment":"neutral","sentiment_score":0.08360413759946823}],"sentiment":"neutral","sentiment_score":0.08534272760152817,"channel":0,"num_words":6,"start":819.73,"end":821.27},{"sentences":[{"text":"Yep.","start":821.76495,"end":822.26495,"sentiment":"neutral","sentiment_score":0.13701435923576355}],"sentiment":"neutral","sentiment_score":0.13701435923576355,"channel":1,"num_words":1,"start":821.76495,"end":822.26495},{"sentences":[{"text":"Yeah.","start":822.465,"end":822.78503,"sentiment":"positive","sentiment_score":0.350479394197464},{"text":"Perfect.","start":822.78503,"end":823.185,"sentiment":"positive","sentiment_score":0.6598045825958252},{"text":"So sometimes this makes it a little bit easier, and this is essentially where kind of all the compliance and legislation, everything comes down to effectively.","start":823.185,"end":831.045,"sentiment":"positive","sentiment_score":0.549988064628381},{"text":"I'm showing you the putting you in a better position.","start":831.425,"end":834.005,"sentiment":"positive","sentiment_score":0.6305578887462616},{"text":"So this essentially summarizes all the advice and all the strategies together.","start":834.065,"end":839.87,"sentiment":"positive","sentiment_score":0.454496127863725}],"sentiment":"positive","sentiment_score":0.5413901215791702,"channel":0,"num_words":50,"start":822.465,"end":839.87},{"sentences":[{"text":"So","start":840.49,"end":840.81,"sentiment":"neutral","sentiment_score":0.21549364924430847}],"sentiment":"neutral","sentiment_score":0.21549364924430847,"channel":0,"num_words":1,"start":840.49,"end":840.81},{"sentences":[{"text":"Yep.","start":840.66,"end":841.16,"sentiment":"neutral","sentiment_score":0.1951652765274048}],"sentiment":"neutral","sentiment_score":0.1951652765274048,"channel":1,"num_words":1,"start":840.66,"end":841.16},{"sentences":[{"text":"if we look at first your current superannuation, so I had a look at, obviously, your current C bus, what you 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fees.","start":840.81,"end":854.055,"sentiment":"neutral","sentiment_score":0.07419275935437228}],"sentiment":"neutral","sentiment_score":0.07419275935437228,"channel":0,"num_words":37,"start":840.81,"end":854.055},{"sentences":[{"text":"Yep.","start":854.02496,"end":854.52496,"sentiment":"neutral","sentiment_score":0.15859386324882507}],"sentiment":"neutral","sentiment_score":0.15859386324882507,"channel":1,"num_words":1,"start":854.02496,"end":854.52496},{"sentences":[{"text":"And","start":854.595,"end":854.83496,"sentiment":"neutral","sentiment_score":0.1437222957611084}],"sentiment":"neutral","sentiment_score":0.1437222957611084,"channel":0,"num_words":1,"start":854.595,"end":854.83496},{"sentences":[{"text":"Yep.","start":854.665,"end":855.165,"sentiment":"neutral","sentiment_score":0.17681139707565308}],"sentiment":"neutral","sentiment_score":0.17681139707565308,"channel":1,"num_words":1,"start":854.665,"end":855.165},{"sentences":[{"text":"then what I have recommended, which is going to be a little bit better for you moving forward.","start":854.83496,"end":860.535,"sentiment":"neutral","sentiment_score":0.25309667570723426}],"sentiment":"neutral","sentiment_score":0.25309667570723426,"channel":0,"num_words":18,"start":854.83496,"end":860.535},{"sentences":[{"text":"Yep.","start":861.4,"end":861.9,"sentiment":"neutral","sentiment_score":0.09336208552122116}],"sentiment":"neutral","sentiment_score":0.09336208552122116,"channel":1,"num_words":1,"start":861.4,"end":861.9},{"sentences":[{"text":"Now at the moment, in your C Bass account, you are paying a total of about $1,250 per year in administration fees as well as investment 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portfolio.","start":2247.215,"end":2250.355,"sentiment":"neutral","sentiment_score":0.02917610891163349}],"sentiment":"neutral","sentiment_score":0.027589388916061983,"channel":0,"num_words":18,"start":2241.855,"end":2250.355},{"sentences":[{"text":"Yep.","start":2251.3652,"end":2251.8652,"sentiment":"neutral","sentiment_score":0.17578411102294922}],"sentiment":"neutral","sentiment_score":0.17578411102294922,"channel":1,"num_words":1,"start":2251.3652,"end":2251.8652},{"sentences":[{"text":"Now the rest of the investments you will see have a little bit of a smaller holding, and these would be what we would call your satellite investments because they can be a little bit more volatile.","start":2252.175,"end":2263.69,"sentiment":"neutral","sentiment_score":0.09637882933020592},{"text":"They can fluctuate a little bit more.","start":2263.8298,"end":2265.5098,"sentiment":"neutral","sentiment_score":-0.0018937539841447555},{"text":"They're a bit more 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just please let me know, and I'll see if I can send it a different way.","start":4076.17,"end":4084.81,"sentiment":"neutral","sentiment_score":-0.14832612752382243},{"text":"It seemed like it was just a today thing because earlier today, I had no problem, and now it showed","start":4084.81,"end":4089.785,"sentiment":"neutral","sentiment_score":-0.06363696809858084}],"sentiment":"neutral","sentiment_score":-0.09926407501101493,"channel":0,"num_words":50,"start":4074.33,"end":4089.785},{"sentences":[{"text":"Yep.","start":4089.745,"end":4090.245,"sentiment":"neutral","sentiment_score":-0.10481911897659302}],"sentiment":"neutral","sentiment_score":-0.10481911897659302,"channel":1,"num_words":1,"start":4089.745,"end":4090.245},{"sentences":[{"text":"up as a bit of an error and always like that with IT leave leave.","start":4089.785,"end":4093.165,"sentiment":"neutral","sentiment_score":-0.3046114275852839}],"sentiment":"neutral","sentiment_score":-0.3046114275852839,"channel":0,"num_words":15,"start":4089.785,"end":4093.165},{"sentences":[{"text":"Yeah.","start":4093.1052,"end":4093.6052,"sentiment":"neutral","sentiment_score":0.2007051557302475}],"sentiment":"neutral","sentiment_score":0.2007051557302475,"channel":1,"num_words":1,"start":4093.1052,"end":4093.6052},{"sentences":[{"text":"So I'm sure that all be sorted tomorrow.","start":4093.865,"end":4096.125,"sentiment":"positive","sentiment_score":0.3420103192329407},{"text":"In the appendix, like I said, you will have the the change in showing no salary sacrifice and also those insurance recommendations if you wanna have a bit of a think about what you would like to do as well and seeing those premiums.","start":4096.665,"end":4109.07,"sentiment":"neutral","sentiment_score":0.13283819078721784},{"text":"Otherwise, I will let you have a read over everything,","start":4109.93,"end":4112.91,"sentiment":"neutral","sentiment_score":0.09437952190637589}],"sentiment":"neutral","sentiment_score":0.15362513173491724,"channel":0,"num_words":62,"start":4093.865,"end":4112.91},{"sentences":[{"text":"Yeah.","start":4113.8496,"end":4114.3496,"sentiment":"neutral","sentiment_score":0.1267988532781601},{"text":"No","start":4114.73,"end":4114.9697,"sentiment":"neutral","sentiment_score":0.1595672070980072}],"sentiment":"neutral","sentiment_score":0.14318303018808365,"channel":1,"num_words":2,"start":4113.8496,"end":4114.9697},{"sentences":[{"text":"and","start":4114.7646,"end":4115.1646,"sentiment":"neutral","sentiment_score":0.0796055793762207}],"sentiment":"neutral","sentiment_score":0.0796055793762207,"channel":0,"num_words":1,"start":4114.7646,"end":4115.1646},{"sentences":[{"text":"worries.","start":4114.9697,"end":4115.4697,"sentiment":"neutral","sentiment_score":0.1252702921628952}],"sentiment":"neutral","sentiment_score":0.1252702921628952,"channel":1,"num_words":1,"start":4114.9697,"end":4115.4697},{"sentences":[{"text":"the team might reach out in a couple of days just to see if you've had a read through it or any questions or what your thoughts are on on everything there for you, Jane.","start":4115.1646,"end":4124.2246,"sentiment":"neutral","sentiment_score":0.16562306625502451}],"sentiment":"neutral","sentiment_score":0.16562306625502451,"channel":0,"num_words":35,"start":4115.1646,"end":4124.2246},{"sentences":[{"text":"No worries.","start":4125.0146,"end":4125.755,"sentiment":"neutral","sentiment_score":0.30912595987319946},{"text":"Thank","start":4125.815,"end":4126.135,"sentiment":"positive","sentiment_score":0.6266528964042664}],"sentiment":"positive","sentiment_score":0.41496827205022174,"channel":1,"num_words":3,"start":4125.0146,"end":4126.135},{"sentences":[{"text":"Yep.","start":4125.82,"end":4126.3,"sentiment":"positive","sentiment_score":0.486251562833786}],"sentiment":"positive","sentiment_score":0.486251562833786,"channel":0,"num_words":1,"start":4125.82,"end":4126.3},{"sentences":[{"text":"you.","start":4126.135,"end":4126.635,"sentiment":"positive","sentiment_score":0.5945876836776733}],"sentiment":"positive","sentiment_score":0.5945876836776733,"channel":1,"num_words":1,"start":4126.135,"end":4126.635},{"sentences":[{"text":"Perfect.","start":4126.3,"end":4126.78,"sentiment":"positive","sentiment_score":0.7657397985458374},{"text":"Well, thank you so much for your time and patience this afternoon.","start":4126.78,"end":4129.82,"sentiment":"positive","sentiment_score":0.7803874015808105},{"text":"I will get you let you go and enjoy the rest of your evening.","start":4129.82,"end":4133.98,"sentiment":"positive","sentiment_score":0.7412258982658386},{"text":"But, otherwise, I","start":4133.98,"end":4134.94,"sentiment":"neutral","sentiment_score":0.2907767693201701}],"sentiment":"positive","sentiment_score":0.7126627167065939,"channel":0,"num_words":30,"start":4126.3,"end":4134.94},{"sentences":[{"text":"Yep.","start":4134.91,"end":4135.41,"sentiment":"neutral","sentiment_score":0.3107990622520447}],"sentiment":"neutral","sentiment_score":0.3107990622520447,"channel":1,"num_words":1,"start":4134.91,"end":4135.41},{"sentences":[{"text":"very much look forward to speaking with you soon again.","start":4134.94,"end":4137.3027,"sentiment":"positive","sentiment_score":0.7492911458015442}],"sentiment":"positive","sentiment_score":0.7492911458015442,"channel":0,"num_words":10,"start":4134.94,"end":4137.3027},{"sentences":[{"text":"Thank you very much.","start":4137.79,"end":4139.0103,"sentiment":"positive","sentiment_score":0.7782760858535767}],"sentiment":"positive","sentiment_score":0.7782760858535767,"channel":1,"num_words":4,"start":4137.79,"end":4139.0103},{"sentences":[{"text":"No problem, James.","start":4139.3027,"end":4140.2627,"sentiment":"positive","sentiment_score":0.43805673718452454},{"text":"We'll","start":4140.2627,"end":4140.423,"sentiment":"positive","sentiment_score":0.4306156635284424}],"sentiment":"positive","sentiment_score":0.436196468770504,"channel":0,"num_words":4,"start":4139.3027,"end":4140.423},{"sentences":[{"text":"Thank","start":4140.27,"end":4140.77,"sentiment":"positive","sentiment_score":0.4421599507331848}],"sentiment":"positive","sentiment_score":0.4421599507331848,"channel":1,"num_words":1,"start":4140.27,"end":4140.77},{"sentences":[{"text":"speak soon.","start":4140.423,"end":4141.1626,"sentiment":"positive","sentiment_score":0.4913095533847809}],"sentiment":"positive","sentiment_score":0.4913095533847809,"channel":0,"num_words":2,"start":4140.423,"end":4141.1626},{"sentences":[{"text":"you.","start":4142.1104,"end":4142.6104,"sentiment":"positive","sentiment_score":0.3462725281715393},{"text":"Bye.","start":4142.75,"end":4143.25,"sentiment":"neutral","sentiment_score":0.24987733364105225}],"sentiment":"neutral","sentiment_score":0.2980749309062958,"channel":1,"num_words":2,"start":4142.1104,"end":4143.25},{"sentences":[{"text":"Bye.","start":4143.0625,"end":4143.5625,"sentiment":"neutral","sentiment_score":-0.08646728098392487}],"sentiment":"neutral","sentiment_score":-0.08646728098392487,"channel":0,"num_words":1,"start":4143.0625,"end":4143.5625}]},"summary":{"result":"success","short":"The OQ Financial representative provides guidance on obtaining goals and objectives for Yep and emphasizes the importance of investing in a plan and reviewing risk profiles. They explain the process of selecting the best insurance company and provide information on benefits of a certain policy and implementation fee. The customer is informed that insurance company will pay a fee of 1.75% of their total balance, but fees are deducted monthly, and is given information on an ongoing advice fee and a team will reach out to them for help. The team will reach out to the customer for help."},"intents":{"segments":[{"text":"Let me see if I can refresh it on my end. And it's coming from you? Yes.","start_word":252,"end_word":268,"intents":[{"intent":"Refresh email","confidence_score":0.10417728}]},{"text":"It looks like I'm having a little bit of a technical issues with the software. What I can do is I can just email you a copy. Yep.","start_word":360,"end_word":387,"intents":[{"intent":"Provide technical assistance","confidence_score":0.0031354937}]},{"text":"So I've put together this strategy for you, James, that I best believe are going to achieve your goals and your objectives. But at the end of the day, they are just recommendations. You know, whether you wanna implement some of it or none of it or all of it at the end of the day, it is completely up to you. Yep.","start_word":734,"end_word":796,"intents":[{"intent":"Implement recommendations","confidence_score":0.0018964439}]},{"text":"Now, basically, what this means is the areas we are looking at in this statement over time. But it does not mean that there's not other areas we can't look at down the track. But simply today, we're looking at your superannuation to cross off on those goals for you.","start_word":1147,"end_word":1196,"intents":[{"intent":"Discuss superannuation areas","confidence_score":0.00004840638}]},{"text":"I can give you guidance on how to structure your beneficiary nominations from a tax and estate planning point of view, but can't give you any legal advice.","start_word":1485,"end_word":1512,"intents":[{"intent":"Help with beneficiary nominations","confidence_score":0.0006498802}]},{"text":"I can give you guidance on how to structure your beneficiary nominations from a tax and estate planning point of view, but can't give you any legal advice. Same goes that I can't prepare your tax statement. We can obviously do tax financial advice, but I can't prepare your tax statement. I'd have to refer it onto an accountant for that. Yep.","start_word":1485,"end_word":1546,"intents":[{"intent":"Obtain tax information","confidence_score":0.0015442801}]},{"text":"Same goes that I can't prepare your tax statement. We can obviously do tax financial advice, but I can't prepare your tax statement. I'd have to refer it onto an accountant for that.","start_word":1512,"end_word":1544,"intents":[{"intent":"Refer tax statement","confidence_score":0.55252004}]},{"text":"Now the next two pages is just some little bit of information about you. If you can just have a quick read over that for me just to make sure that's all up to date or if we need to make any changes in the packet. No.","start_word":1585,"end_word":1631,"intents":[{"intent":"Confirm information","confidence_score":0.016553445}]},{"text":"So at the moment, you have your super with C Bus. You do have about a $144,356, and you do Yep. also have some insurances with one part paid from within. So you have your life, which you can see here, just over 1.5 mil, and then TPD insurance of 826,685. Yep.","start_word":1650,"end_word":1701,"intents":[{"intent":"Share portfolio details","confidence_score":0.0007938703}]},{"text":"So do you remember last time kind of going through that questionnaire about how you sell about market fluctuations and volatility and risks in superannuation? Yes. Yeah.","start_word":1743,"end_word":1769,"intents":[{"intent":"Explain market fluctuations","confidence_score":0.025028512}]},{"text":"So you came out as a growth investor, but we kind Yep. of agreed that a high growth portfolio is going to be the most appropriate for you at the moment. You do have plenty of time until retirement, and your goal is to try to maximize that growth as much as possible.","start_word":1771,"end_word":1823,"intents":[{"intent":"Maximize growth","confidence_score":0.023972174}]},{"text":"So what that looks like in terms of the asset allocation is that ninety ten split where you have 90% to your growth investment and 10 to defensive. Does that kind of ring a bell? Yep.","start_word":1831,"end_word":1866,"intents":[{"intent":"Compliment asset allocation","confidence_score":0.0001108177}]},{"text":"Now at the moment, in your C Bass account, you are paying a total of about $1,250 per year in administration fees as well as investment costs.","start_word":2046,"end_word":2072,"intents":[{"intent":"Explain fees","confidence_score":0.0010195096}]},{"text":"Now over the last five years, the portfolio that you are currently investing within CEVA has performed at an average rate of return of about 9.03%.","start_word":2074,"end_word":2099,"intents":[{"intent":"Discuss portfolio","confidence_score":0.16746661}]},{"text":"down one page, you can then kind of see the projected outcome for five and ten years with Zebra's and your one path insurance. Does that make sense?","start_word":2127,"end_word":2154,"intents":[{"intent":"Discuss zebra's","confidence_score":0.00018008768}]},{"text":"waited up what was going to be the best option for you specifically, it was a more sophisticated platform called Hub twenty four.","start_word":2195,"end_word":2217,"intents":[{"intent":"Discuss hub twenty four","confidence_score":0.0579543}]},{"text":"Now, basically, just a little bit of background information for you.","start_word":2241,"end_word":2251,"intents":[{"intent":"Provide information","confidence_score":0.020127643}]},{"text":"They are one of the quickest growing superannuation kind of platforms out there, and it does offer a lot of benefits and features that some of their competitors doesn't do.","start_word":2289,"end_word":2318,"intents":[{"intent":"Explain yep platform benefits and features","confidence_score":0.008253672}]},{"text":"Now one of those things is something that is called aggregate trading. Now, basically, what that means is that we can make trades on investment or with one broker fee rather than paying, you know, $10.20 dollars for each investment trade that we do make. Does that make sense? Yep.","start_word":2319,"end_word":2368,"intents":[{"intent":"Discuss aggregate trading","confidence_score":0.36798587}]},{"text":"But, essentially, though, hub twenty four, just another super fund. You know, there is hundreds of them out there. Yep.","start_word":2372,"end_word":2391,"intents":[{"intent":"Describe super funds as super funds","confidence_score":0.0007331502}]},{"text":"Now what really matters is what you can actually invest your money into within the fund itself. So, you know, it's Yep. not CBA or Australian Super or Australian Retirement Trust or Hub twenty four that kind of gets those returns and make your money grow. It is the actual investment option within the fund itself that gets those returns for you. Does that make sense? Yeah.","start_word":2430,"end_word":2496,"intents":[{"intent":"Discuss investment options","confidence_score":0.30640665},{"intent":"Discuss investment options","confidence_score":0.12270448}]},{"text":"But the good thing with Hub twenty four is that there's hundreds and hundreds of different investment options to choose from all the way Yep. down through direct shares, which is how we can kind of build and Yep. recommended portfolio within Hub twenty four using the same five year rolling average has been 13.56, which is that 4.53% better than your current portfolio, which, as Yep.","start_word":2627,"end_word":2693,"intents":[{"intent":"Explain hub twenty four differences","confidence_score":0.0012907864}]},{"text":"So that will be in Which the appendix. That's the Oh, one that. you will get tomorrow when the software is up and running. It will be an Okay. attachment. Yeah. Yep. So that will show you the the difference as well. So not showing salary sacrifice on both sides so that Yep. you can see that. And you do you think it's still better off if I don't do a salary sacrifice at the moment?","start_word":3025,"end_word":3100,"intents":[{"intent":"Include salary sacrifice in appendix","confidence_score":0.008476981}]},{"text":"So not showing salary sacrifice on both sides so that Yep. you can see that. And you do you think it's still better off if I don't do a salary sacrifice at the moment?","start_word":3067,"end_word":3100,"intents":[{"intent":"Discuss benefits of having small contributions of salary sacrifice","confidence_score":8.391424e-9}]},{"text":"well where clients sometimes stops and starts just depending on exactly what is going on in their life. Yeah.","start_word":3225,"end_word":3243,"intents":[{"intent":"Discuss changing clients' situations","confidence_score":0.000005954527}]},{"text":"And if it is that you are happy with the recommendation, but you go, you know what? I don't wanna do salary sacrifice.","start_word":3244,"end_word":3266,"intents":[{"intent":"Express dissatisfaction with recommendations","confidence_score":0.0043878467}]},{"text":"There is a section when you get the digital copy tomorrow as well or when you have a read through, there is a section where it actually says alteration to the advice.","start_word":3275,"end_word":3306,"intents":[{"intent":"Discuss alteration to advice","confidence_score":0.06316113}]},{"text":"will kind On of make a on sense a when you see guide that.","start_word":3379,"end_word":3392,"intents":[{"intent":"Confirm understanding of advice","confidence_score":0.00014828218}]},{"text":"portfolio, you basically have a fund manager within CBAS choosing what goes in and out of the investment portfolio, Yep. but you actually don't see what those underlying investments are. So you don't know which industries or which sectors or how they are Yep. invested, which sometimes can cause a little bit of issues if you don't have that transparency or you don't know what it is. Yep.","start_word":3460,"end_word":3527,"intents":[{"intent":"Analyze investment portfolio","confidence_score":0.039514743}]},{"text":"Now do you have any other questions on this page otherwise? Nope.","start_word":4094,"end_word":4105,"intents":[{"intent":"Discuss topical questions","confidence_score":0.000003977433}]},{"text":"Now while we are here, if you then wanna scroll to the following page, just showing that five and ten year projection again.","start_word":4113,"end_word":4135,"intents":[{"intent":"Show and scroll projection","confidence_score":0.00068569666}]},{"text":"Now while we are here, if you then wanna scroll to the following page, just showing that five and ten year projection again. Yep.","start_word":4113,"end_word":4136,"intents":[{"intent":"Scroll to page","confidence_score":0.06799348}]},{"text":"Underneath that, you can then also see the investment returns outlined a bit more for you. So you can have your twelve months, three years, and five years to show you a bit more information. Yep.","start_word":4137,"end_word":4172,"intents":[{"intent":"Show investment results","confidence_score":0.00015796591}]},{"text":"So you can see here that, basically, this puts everything in query words, what I kind of just explained. So I'll let you have a read over that in your own time because it is a lot of information to take in. But it basically Yep. shows you kind of that best interest duty again of why the recommendation does align with your goals and your objectives and puts you in a Yep. better position.","start_word":4265,"end_word":4339,"intents":[{"intent":"Explain strategy","confidence_score":0.001007144}]},{"text":"shows you kind of that best interest duty again of why the recommendation does align with your goals and your objectives and puts you in a Yep. better position.","start_word":4311,"end_word":4339,"intents":[{"intent":"Discuss yep","confidence_score":0.0037487599}]},{"text":"You can actually see here that from the research, the investments I mentioned earlier, offers 16 investment choices, whereas Hub Yep. has 1,178 choices.","start_word":4351,"end_word":4374,"intents":[{"intent":"Discuss investment choices","confidence_score":0.3168252}]},{"text":"No one could predict COVID or what's going to happen.","start_word":4410,"end_word":4419,"intents":[{"intent":"Discuss covid-19 scenarios","confidence_score":0.0011696276}]},{"text":"So a little bit more expensive, some risks to be mindful of as well, which is that there's always a level of risk associated with any investment Yep.","start_word":4623,"end_word":4650,"intents":[{"intent":"Explain risk associated with investment","confidence_score":0.008463025},{"intent":"Discuss financial benefits of cbus","confidence_score":0.00011371926}]},{"text":"Now alternatives considered, you can see that I did consider staying in C bus for you, changing some of the investments. But because of the limitations, that's available in C Bus, I just couldn't achieve the same outcome, in C Bus.","start_word":4742,"end_word":4782,"intents":[{"intent":"Extend coverage of cbus","confidence_score":0.000032609034}]},{"text":"And the other good thing with hub twenty four is that they offer something that's called family linking.","start_word":4783,"end_word":4800,"intents":[{"intent":"Discuss family linking","confidence_score":0.083782844}]},{"text":"Now if you can then scroll down to the investments for me, which is page 20. And, please?","start_word":5169,"end_word":5186,"intents":[{"intent":"Analyze investments","confidence_score":0.012101933}]},{"text":"And then you have managed fund, which is how your c bus is set up where you do have that portfolio manager kind of buying and selling different things depending on what is going on in the market, which sometimes works out well and sometimes it doesn't outperform. Yep.","start_word":5528,"end_word":5576,"intents":[{"intent":"Manage portfolio","confidence_score":0.06823533}]},{"text":"And it's not a set and forget thing. So, again, things in markets can always change and evolve, and it is important to keep reviewing these just to make sure if there is one that's underperforming, we might wanna swap it out for something else depending on what is going on in the world as well. Yep.","start_word":5657,"end_word":5713,"intents":[{"intent":"Examine investments","confidence_score":0.010817261}]},{"text":"diversify things for you.","start_word":5897,"end_word":5900,"intents":[{"intent":"Diversify investments","confidence_score":0.24080035}]},{"text":"companies like Commonwealth, BHP, CSL, Woolworths, for example. Again, all the kind of big companies in that portfolio. Yep.","start_word":5929,"end_word":5947,"intents":[{"intent":"Inform about ai portfolio","confidence_score":0.000005711649}]},{"text":"But because the goal is we do wanna maximize that growth for you and diversify things for you, we wanna obviously find the niches and the opportunities to grow that for you while still not having too much allocated through them. Mhmm.","start_word":6006,"end_word":6047,"intents":[{"intent":"Maximize growth and diversify investments","confidence_score":0.09613355}]},{"text":"Obviously, AI technology is not going anywhere anytime soon. You have a 9% in Europe. Again, trying to diversify everything for you around the globe. 5% in Japan, and then 8% across the globe. But that one excludes The US because you already have that exposure to the ICS S and P 500.","start_word":6058,"end_word":6110,"intents":[{"intent":"Exclude ai technology","confidence_score":0.07344034}]},{"text":"I was off just one page further. So I was trying to look at those percentages, and I was And you were then like, I I can't thought you see. were furthered. Yeah.","start_word":6172,"end_word":6204,"intents":[{"intent":"Look at percentages","confidence_score":0.018228374}]},{"text":"And, basically, the bottom through there, the seven and five, are your more defensive. So I was telling them the fluctuations a little bit. So you have seven percent in gold and a 5% in fixed interest for you. Yep.","start_word":6225,"end_word":6264,"intents":[{"intent":"Explain ai fluctuations","confidence_score":0.007937723}]},{"text":"Now in the appendix as well, so when you do get that tomorrow, if it is something you do wanna read up on a bit more, in the appendix, I've included investment link to each and every one of these investments. So it is public.","start_word":6292,"end_word":6336,"intents":[{"intent":"Confirm investment link","confidence_score":0.0017350597}]},{"text":"Now next up is just showing you the asset allocation. It is the pie chart. Can you see that?","start_word":6372,"end_word":6390,"intents":[{"intent":"Explain portfolio allocation","confidence_score":0.024223657}]},{"text":"Now next up is just showing you the asset allocation. It is the pie chart. Can you see that? Yep.","start_word":6372,"end_word":6391,"intents":[{"intent":"Describe asset allocation","confidence_score":0.0062263208}]},{"text":"the page I was just on. And Because you're like, when what you're saying are these percentages, numbers?","start_word":6394,"end_word":6411,"intents":[{"intent":"Clarify investment percentages","confidence_score":0.051945392}]},{"text":"What is what is defensive meant?","start_word":6488,"end_word":6493,"intents":[{"intent":"Clarify investment strategy","confidence_score":0.0065620746}]},{"text":"What is what is defensive meant? So that will be your defensive investment. So you will see fixed interest. It can be different alternative investments and cash, for example. So these are the ones who kind of limit fluctuations a bit more kind of slow and steady investments.","start_word":6488,"end_word":6535,"intents":[{"intent":"Explain investment strategy","confidence_score":0.32232487},{"intent":"Clarify investment type","confidence_score":0.015672272},{"intent":"Explain investment strategy","confidence_score":0.020004913}]},{"text":"So that will be your defensive investment. So you will see fixed interest. It can be different alternative investments and cash, for example. So these are the ones who kind of limit fluctuations a bit more kind of slow and steady investments. Okay. Yep.","start_word":6494,"end_word":6537,"intents":[{"intent":"Determine investment type","confidence_score":0.0003449534},{"intent":"Clarify investment style","confidence_score":0.0011265049}]},{"text":"Now I'll go through the next strategy a bit quicker for you if it is something you're not really thinking about right now anyway, but I have included that for you, which is showing you the salary sacrifice that is page 22. Can you see that?","start_word":6664,"end_word":6709,"intents":[{"intent":"Show salary sacrifice","confidence_score":0.11002954}]},{"text":"After tax in twelve months, it will mean that in in pocket, you will receive about $707 less in a year's time Yeah.","start_word":6767,"end_word":6789,"intents":[{"intent":"Explain tax savings","confidence_score":0.033354044}]},{"text":"It's always something we can reevaluate when, you know, cash flow and stuff a little bit better or if you just have different priorities. That's perfectly fine.","start_word":6925,"end_word":6951,"intents":[{"intent":"Evaluate cash flow","confidence_score":0.15041086}]},{"text":"Now do you have any other questions so far before I move on to your insurance recommendation? Not not No?","start_word":6995,"end_word":7014,"intents":[{"intent":"Discuss insurance recommendation","confidence_score":0.28681692}]},{"text":"Now with the insurance and, again, I have included different options for you in the appendix because I know when we spoke last time, you said it kind of depends on the price for you. You want as much as possible to give you and this family that protection if something were to happen. Yep.","start_word":7022,"end_word":7076,"intents":[{"intent":"Discuss options","confidence_score":0.011877802}]},{"text":"So I have recommended that we cancel one pass and apply with Yep. Zurich instead.","start_word":7193,"end_word":7207,"intents":[{"intent":"Recommend switching insurance","confidence_score":0.041792303},{"intent":"Recommend plan","confidence_score":0.00057760795}]},{"text":"So what I have recommended here on this page is the most amount of cover. So it's a million dollars worth of life and total permanent disability insurance. Now Yep.","start_word":7320,"end_word":7349,"intents":[{"intent":"Confirm coverage amount","confidence_score":0.005172153}]},{"text":"I just added in a buyback option, which after twelve months reinstates your life.","start_word":7407,"end_word":7420,"intents":[{"intent":"Inquire about buyback option","confidence_score":0.004409108}]},{"text":"were to happen after twelve months, it's then reinstated.","start_word":7425,"end_word":7433,"intents":[{"intent":"Reinstate coverage benefits","confidence_score":0.00018332843}]},{"text":"So a little bit less Yep. to still show you that, and the premium Mhmm. for that is Okay. 1,853. So it does make a bit of a difference in price, but it also means you're only covered for five years instead of Yeah.","start_word":8304,"end_word":8347,"intents":[{"intent":"Clarify insurance coverage","confidence_score":0.061188884}]},{"text":"reason I have that is to reduce the trauma price because, again, that kind of multi policy discount. That is the only reason.","start_word":8764,"end_word":8786,"intents":[{"intent":"Reduce trauma prices","confidence_score":0.006064102}]},{"text":"So on the current trauma, but you were kind of leaning more towards just the added option for Yep. for cost purposes. So for both the 100,000 and the 200, I've included Mhmm. this option for you. And Okay.","start_word":9333,"end_word":9371,"intents":[{"intent":"Discuss options","confidence_score":0.0050175413}]},{"text":"that essentially, as you can see that, it means that it will pay a benefit if one of your children between the ages of two and 18 suffer from a specific event.","start_word":9372,"end_word":9403,"intents":[{"intent":"Explain benefits","confidence_score":0.013273801}]},{"text":"So a lot of information, but it will give you a bit of a buffer if something were to Yep. happen to any of your children. And it's also there's also an additional 5,000 funeral benefit if something ever Yep. were to happen at all. And that's all just added to your trauma policy.","start_word":9420,"end_word":9473,"intents":[{"intent":"Provide information","confidence_score":0.32249472}]},{"text":"Any questions so far? No.","start_word":9475,"end_word":9479,"intents":[{"intent":"Offer assistance","confidence_score":0.009992957}]},{"text":"Now I'll kind of skip over the beneficiaries. We touched on that last time.","start_word":9585,"end_word":9598,"intents":[{"intent":"Go over beneficiaries","confidence_score":0.00011836839}]},{"text":"which then kind of takes us almost at the end, which is just you're showing your ongoing services.","start_word":9663,"end_word":9680,"intents":[{"intent":"Describe services","confidence_score":0.0156112565}]},{"text":"So if there's ever anything that you want help or guidance on or advice in any areas, you can always give us a call.","start_word":9801,"end_word":9824,"intents":[{"intent":"Share advice","confidence_score":0.0014237193},{"intent":"Give advice","confidence_score":0.0040950477}]},{"text":"Now the last information is just a little bit of important information.","start_word":9854,"end_word":9865,"intents":[{"intent":"Present information","confidence_score":0.00021409783},{"intent":"Provide information","confidence_score":0.023548532}]},{"text":"I wanna give it a go. But then let's say at some point in time, you are not happy with the services or anything like that, there is no lock in contract. You can cancel whenever you want through, and we can then help you roll you back to Zebra or wherever it is that you want to go if Yep. you are not happy. Okay.","start_word":9951,"end_word":10016,"intents":[{"intent":"Discuss cancellation and renewal","confidence_score":0.0000015476503}]},{"text":"Now there is an implementation fee if you do decide that you would like to come on board, which is three Mhmm. point 3% of your super balance.","start_word":10052,"end_word":10079,"intents":[{"intent":"Pay implementation fee","confidence_score":0.0088044545},{"intent":"Explain fee","confidence_score":0.04154094}]},{"text":"So it basically Yep. pays for everything up until this point. So my time, power planner's time, research, basically keeps the light on in the office. Now that is a one off advice fee that is deducted Yep. at the very beginning and never again. So if we do some research and we feel like how to enforce is not the best option and we choose to go elsewhere, no. You don't have to pay advice fee ever again upfront.","start_word":10088,"end_word":10167,"intents":[{"intent":"Provide advice","confidence_score":0.02139423}]},{"text":"But for compliance purposes, we need to disclose any commissions we receive so you are fully aware. Yeah.","start_word":10286,"end_word":10303,"intents":[{"intent":"Show commission","confidence_score":0.0021835237}]},{"text":"Last thing is the ongoing advice fee. So there is an ongoing advice fee. Now, typically, this is 1.65% of your total balance. It is calculated annually, but it is deducted monthly for you. But because, obviously, Leah is the client that has been reduced for you down to one Yep. point one. And if it is that you do become a client, we would honor the same discount of rate for her as well. Yep.","start_word":10307,"end_word":10382,"intents":[{"intent":"Recognize discount","confidence_score":0.00002264343}]},{"text":"Now, typically, this is 1.65% of your total balance. It is calculated annually, but it is deducted monthly for you. But because, obviously, Leah is the client that has been reduced for you down to one Yep. point one. And if it is that you do become a client, we would honor the same discount of rate for her as well. Yep.","start_word":10321,"end_word":10382,"intents":[{"intent":"Confirm balance","confidence_score":0.00488468}]},{"text":"And Can that I essentially just just a question? If we yeah.","start_word":10383,"end_word":10394,"intents":[{"intent":"Ask question","confidence_score":0.07039377}]},{"text":"saying $4,007.64 would come out of my Subaru, Correct. but the $2.08 $6.09 will not come out of my Subaru? That just comes from Zurich? Correct.","start_word":10408,"end_word":10433,"intents":[{"intent":"Confirm name","confidence_score":0.006483464}]},{"text":"That is just to show you only pay the super. That's it. Yep. Yep. And would this be adjusted? Like, right now, it says $4.07, but as we said before, my suit is dropped. So would that be adjusted if Correct.","start_word":10442,"end_word":10482,"intents":[{"intent":"Adjust super balance","confidence_score":0.7997797}]},{"text":"So it's 3.3 of your super balance because it is Yeah. that percentage. So if it is that your super has dropped to that $1.04, then, yes, it will be reduced. Yep.","start_word":10490,"end_word":10521,"intents":[{"intent":"Set up super balance","confidence_score":0.5797101}]},{"text":"So if once it's set up, we pay that one that fee on page 42, and then every year, we'll be paying what's on page 43 in in a nutshell. Is that right? Correct.","start_word":10555,"end_word":10588,"intents":[{"intent":"Explain fee policy","confidence_score":0.00096047396}]},{"text":"We'll kind of guide you through each and every single step.","start_word":10746,"end_word":10756,"intents":[{"intent":"Guide through process","confidence_score":0.120909}]},{"text":"So we'll handle all the paperwork and everything like Yeah. that.","start_word":10828,"end_word":10838,"intents":[{"intent":"Take care of paperwork","confidence_score":0.001128628},{"intent":"Handle paperwork","confidence_score":0.665522}]},{"text":"work for Zurich, and we fight with the insurance company all the time. And our goal is Yeah. to make sure that if we have an insurance policy in place for you, if something were to happen, you will get the money. Yeah.","start_word":10966,"end_word":11008,"intents":[{"intent":"Work with insurance company","confidence_score":0.0032334463}]},{"text":"to make sure that if we have an insurance policy in place for you, if something were to happen, you will get the money. Yeah.","start_word":10984,"end_word":11008,"intents":[{"intent":"Discuss insurance policies","confidence_score":0.0031020164}]},{"text":"Now I know that was a lot of information, so I will let you go. I will let you have Yep. a read over it. Like I said, I will get the team to have a look at this software and send you the documents tomorrow. Would you like them to send you a text message when we've sent it just to make sure it does come through?","start_word":11081,"end_word":11148,"intents":[{"intent":"Ensure accuracy","confidence_score":0.0011296977}]},{"text":"Would you like them to send you a text message when we've sent it just to make sure it does come through? Yeah.","start_word":11127,"end_word":11149,"intents":[{"intent":"Send documents","confidence_score":0.29476973}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. Is this James? Hello? Good afternoon. Speaking. Is this James? Yes. Speaking. Yeah. This is Veronica from OQ Financial. How are you?","start_word":0,"end_word":24,"sentiment":"neutral","sentiment_score":0.10412541776895524},{"text":"Good day, sir. How I'm are good. Thanks. you? That's I had good. you booked in to go over your strategy recommendation.","start_word":25,"end_word":46,"sentiment":"positive","sentiment_score":0.47599321603775024},{"text":"Is now still a good time? Yep. Yep. Perfect. Yep. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Yep. Perfect. And how's your day been so far? I've been busy? Yep. Yeah. Friday, I was walking the door. So Well, I will try my best not to keep you for too long. There is a fair few things to get through, but I will Yep. try to do it as quickly as I can for you. Yep. And now, James, do you have access to your emails at the moment? Yes. Alright. Perfect. So what I'm going to do is I am going to send you an email with some documents to go Yep. through. Now that's just been sent on my end. So just Yep. let me know if that comes through to you. Okay? I'll give it a bit, and I'll check my junk mail as well. Yep. Perfect. Thank you. Sometimes it does take a little bit to come through. And, yeah, sometimes it does end up in the spam folder as well. Yeah. Nothing nothing in either our environment. Alright. Let me see if I can refresh it on my end. And it's coming from you? Yes. It will be from me. What You was your should name say, again? Sorry. have a run account. Veronica. Let I me see keep if we're refreshing gonna in the junk folder in the inbox. I haven't got anything. still nothing. Okay. Let me see. We've been having a little bit of issues with technology. Let me Yep. just see. Okay. Stop. There's still nothing. Yep. You've got the correct email. I I see it. Yes. Let me triple check that for you. Alright. I'll just try resending as well. Yep. It looks like I'm having a little bit of a technical issues with the software. What I can do is I can just email you a copy. Yep. Yep.","start_word":47,"end_word":388,"sentiment":"neutral","sentiment_score":0.015447870953476916},{"text":"That way, you can kind of have a read over it.","start_word":389,"end_word":399,"sentiment":"positive","sentiment_score":0.3431492745876312},{"text":"And then when the system is up and running again tomorrow, hopefully, I can send you all the completed digital signature just so I don't keep you for waiting for too long. Yep. Now just bear with me as I tryna get this sent to you. It's always like that with technology. It's great when it works, and now it does doesn't work. And it's it's usually like that at the end of the day too when IT and technology have left for the day as well. Yeah. So just bear with me, and I will trouble check. I have the right email here. It can also be because, yeah, we have just transitioned to a new software. Yep. Now I have email address jmstewart@outlook.com.au. Yeah. Sounds about right. Okay.","start_word":400,"end_word":529,"sentiment":"neutral","sentiment_score":0.07229788601398468},{"text":"Perfect.","start_word":530,"end_word":530,"sentiment":"positive","sentiment_score":0.3434073328971863},{"text":"Now let me just see here. So what I will do, there are a lot of attachments supporting documents. But just Yeah. so I don't keep you waiting, I will just send you the main documents to go through today. And then, like I said, I'll get the team through, hopefully, trying to get IT on tomorrow when they are back in and Yep. send Yep. you the complete email, which has all your supporting documents and everything in there to make it easy. But then at least this way, you can actually see what we are going through Yep. today. Yep. Sorry. Let me see here. Alright. I just sent that just from my emails and not through the system. This is a PDF so you can open it. Yeah. And, hopefully, that comes through. I'm still nothing. Yes. Something came through. Yeah. Yep. There we go. Now like I said, this is just a statement of advice for you. Now you will get all the supporting documents, applications, Yep. everything digitally, but at least we can kind of go through this for you now. Yep. Yeah.","start_word":531,"end_word":718,"sentiment":"neutral","sentiment_score":0.09661156684160233},{"text":"Perfect.","start_word":719,"end_word":719,"sentiment":"positive","sentiment_score":0.457869291305542},{"text":"Are you able to open that document okay as well? Yep. Yeah.","start_word":720,"end_word":731,"sentiment":"neutral","sentiment_score":0.08234038203954697},{"text":"Okay. Perfect. So I've put together this strategy for you, James, that I best believe are going to achieve your goals and your objectives. But at the end of the day, they are just recommendations. You know, whether you wanna implement some of it or none of it or all of it at the end of the day, it is completely up to you.","start_word":732,"end_word":795,"sentiment":"positive","sentiment_score":0.49920326471328735},{"text":"Yep. Now on the cover page here, you will see that this has been prepared and tailored to you specifically. It Mhmm. has been prepared by me. Now you can see my authorized representative number listed there, and I am licensed under Oakview Financial. Yep.","start_word":796,"end_word":840,"sentiment":"neutral","sentiment_score":0.13007713854312897},{"text":"Perfect.","start_word":841,"end_word":841,"sentiment":"positive","sentiment_score":0.515228807926178},{"text":"Now on the next page, you will see the best interest duty and then the document is valid for sixty days. So it does give you a bit of time to obviously have a read over the document, any questions, and stuff like that. You can always just give me a call, and we can kind of go through that when you've had a bit of time to read over everything. Because like I said, there are a fair few things to get through. Yep. Otherwise, the best interest you do have you ever heard of that before? No. I have not. No. So best interest duty effectively. All it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, I Yep. can't actually make the recommendation. Is that And if a I is that a legal thing? correct. Yes. So we have to follow that first from the corporation's act, then also we have to follow the code of ethics. And if we breach it, we will lose a license. If I lose my license, I will lose my job, and my husband at home will be too happy with me. So, Yeah. yeah, there are a lot of legislation in place, both the law, but then also the code of ethics that anyone working as a financial adviser has to follow, and that forms Yep. part of that best interest duty. Okay. Does that all make sense? It does. Yes. Yeah.","start_word":842,"end_word":1107,"sentiment":"neutral","sentiment_score":0.01963385008275509},{"text":"Great.","start_word":1108,"end_word":1108,"sentiment":"positive","sentiment_score":0.5245919823646545},{"text":"Now on the next page, table of content, pretty self explanatory, just everything that we are going over. So just bear with me as we go through this.","start_word":1109,"end_word":1136,"sentiment":"neutral","sentiment_score":0.12695513665676117},{"text":"Yep. Perfect. Now you will then have scope of advice.","start_word":1137,"end_word":1146,"sentiment":"positive","sentiment_score":0.43087640404701233},{"text":"Now, basically, what this means is the areas we are looking at in this statement over time. But it does not mean that there's not other areas we can't look at down the track. But simply today, we're looking at your superannuation to cross off on those goals for you. Also, investments within superannuation support you are currently invested in versus what I have recommended. And then also personal risk insurance because we did have that discussion in regards to your life, TCD income protection and the trauma insurance. Yep. Yep. Now, also, a little bit about estate planning on the following page, just factoring that in as well, just making sure that if something were to happen to you, it will go through as per your wishes. Now on the next pages, you will see scope of advice not considered. Now this is the areas, like I said, that we can definitely explore in more detail as we go. Sometimes it's easy to kind of get their foundation and everything sorted and then kind of build on everything.","start_word":1147,"end_word":1325,"sentiment":"neutral","sentiment_score":0.16688354313373566},{"text":"So that Yep.","start_word":1326,"end_word":1328,"sentiment":"positive","sentiment_score":0.3877354562282562},{"text":"would be, for example, debt reduction.","start_word":1329,"end_word":1334,"sentiment":"neutral","sentiment_score":0.30026811361312866},{"text":"So if you wanna work towards making it quicker to reduce your debt, we can definitely assist with that.","start_word":1335,"end_word":1353,"sentiment":"positive","sentiment_score":0.49710553884506226},{"text":"If you need to save up to do more travel or anything like that, we can also have a look at that. And then also kind of down the track as well, if it is that we wanna explore the potential of the self fund super fund in a bit more detail, once kind of your super balance has grown a little bit, again, it's something that we can consider and work towards. Yep. Yep.","start_word":1354,"end_word":1428,"sentiment":"neutral","sentiment_score":0.2937956750392914},{"text":"Perfect.","start_word":1429,"end_word":1429,"sentiment":"positive","sentiment_score":0.5363775491714478},{"text":"Now you'll then have a section talking about limited advice. Can you see where I'm up to so far? Yes. Yes. So that is Yes. page seven. So this one here Yep. basically just shows you and tells you as well that I'm not a legal practitioner. I can't give you any legal advice. I can give you guidance on how to structure your beneficiary nominations from a tax and estate planning point of view, but can't give you any legal advice. Same goes that I can't prepare your tax statement. We can obviously do tax financial advice, but I can't prepare your tax statement. I'd have to refer it onto an accountant for that. Yep. Yep. Now underneath that, you will see a little table outlining the different strategies today. Now I Yep. will go through these in more detail as we go through them. Yep. Any questions so far? Nope. Nope. Nope.","start_word":1430,"end_word":1583,"sentiment":"neutral","sentiment_score":-0.015224757180972532},{"text":"Perfect.","start_word":1584,"end_word":1584,"sentiment":"positive","sentiment_score":0.46281665563583374},{"text":"Now the next two pages is just some little bit of information about you. If you can just have a quick read over that for me just to make sure that's all up to date or if we need to make any changes in the packet. No. Things are about right. Yep.","start_word":1585,"end_word":1636,"sentiment":"neutral","sentiment_score":0.12493381649255753},{"text":"Perfect.","start_word":1637,"end_word":1637,"sentiment":"positive","sentiment_score":0.4137941598892212},{"text":"Which then takes us to your current superannuation and your insurances. Yep. So at the moment, you have your super with C Bus. You do have about a $144,356, and you do Yep. also have some insurances with one part paid from within. So you have your life, which you can see here, just over 1.5 mil, and then TPD insurance of 826,685. Yep. Now the total premium for those two is 2,142 and 86<unk>. Yes. Now the next three pages, I will let you kind of read over in your own time, but it does explain that risk profile in a bit more detail. So do you remember last time kind of going through that questionnaire about how you sell about market fluctuations and volatility and risks in superannuation? Yes. Yeah. Perfect. So you came out as a growth investor, but we kind Yep. of agreed that a high growth portfolio is going to be the most appropriate for you at the moment. You do have plenty of time until retirement, and your goal is to try to maximize that growth as much as possible. And it's only really that 10% difference. So what that looks like in terms of the asset allocation is that ninety ten split where you have 90% to your growth investment and 10 to defensive. Does that kind of ring a bell? Yep. Yeah.","start_word":1638,"end_word":1869,"sentiment":"neutral","sentiment_score":0.09653135389089584},{"text":"Perfect.","start_word":1869,"end_word":1870,"sentiment":"positive","sentiment_score":0.34251219034194946},{"text":"Which then takes us through the actual recommendation, which is page 14. So this is the the first recommendation. Now to make it a little bit easier, I'll get you to scroll down first to page 18 for me, And you will see a fee comparison table. Let's go down to sixty nine eighteen. 18. Here we are. Yep. Yeah. You can see that table? Yep.","start_word":1869,"end_word":1934,"sentiment":"neutral","sentiment_score":0.10436776280403136},{"text":"Yeah. Perfect. So sometimes this makes it a little bit easier, and this is essentially where kind of all the compliance and legislation, everything comes down to effectively. I'm showing you the putting you in a better position. So this essentially summarizes all the advice and all the strategies together.","start_word":1935,"end_word":1984,"sentiment":"positive","sentiment_score":0.5368240475654602},{"text":"So Yep. if we look at first your current superannuation, so I had a look at, obviously, your current C bus, what you are invested in within C bus, as well as what you are paying for in fees. Yep. And Yep. then what I have recommended, which is going to be a little bit better for you moving forward. Yep. Now at the moment, in your C Bass account, you are paying a total of about $1,250 per year in administration fees as well as investment costs. Yep. Now over the last five years, the portfolio that you are currently investing within CEVA has performed at an average rate of return of about 9.03%. Yep. Now what we have done on the next page is just forecasting that for five and ten years to show you. So if you scroll Yep. down one page, you can then kind of see the projected outcome for five and ten years with Zebra's and your one path insurance. Does that make sense? Yep. Yeah.","start_word":1985,"end_word":2156,"sentiment":"neutral","sentiment_score":0.12741704285144806},{"text":"Perfect.","start_word":2157,"end_word":2157,"sentiment":"positive","sentiment_score":0.3770570755004883},{"text":"So if you wanna scroll up for me through that same table. So I had a look around for other options both within Cbus and then outside of it as well. And once I kind of Yep. waited up what was going to be the best option for you specifically, it was a more sophisticated platform called Hub twenty four. Now have you ever heard of Hub twenty four before? Just gonna say no. Like, I may Okay. have, but not yeah. Yeah. Now, basically, just a little bit of background information for you. Hub twenty four, they have been around since about 2007. They are also directly listed on the Australian Stock Exchange with just under a 100,000,000,000 for dollars of funds under management. So essentially Yep. a massive conglomerate.","start_word":2158,"end_word":2288,"sentiment":"neutral","sentiment_score":0.0917586602327478},{"text":"They are one of the quickest growing superannuation kind of platforms out there, and it does offer a lot of benefits and features that some of their competitors doesn't do.","start_word":2289,"end_word":2318,"sentiment":"positive","sentiment_score":0.4391358494758606},{"text":"Now one of those things is something that is called aggregate trading. Now, basically, what that means is that we can make trades on investment or with one broker fee rather than paying, you know, $10.20 dollars for each investment trade that we do make. Does that make sense? Yep.","start_word":2319,"end_word":2368,"sentiment":"neutral","sentiment_score":0.1762092560529709},{"text":"Perfect.","start_word":2369,"end_word":2369,"sentiment":"positive","sentiment_score":0.4247542917728424},{"text":"Yes. Yep. But, essentially, though, hub twenty four, just another super fund. You know, there is hundreds of them out there. Yep. And keep in mind, James, that all super funds are pretty much the same thing. They are basically just administration services that hold your money Yep. at the end of the day until you can access it. Yep. Now what really matters is what you can actually invest your money into within the fund itself. So, you know, it's Yep. not CBA or Australian Super or Australian Retirement Trust or Hub twenty four that kind of gets those returns and make your money grow. It is the actual investment option within the fund itself that gets those returns for you. Does that make sense? Yeah. Yeah. Perfect. Now I'm not sure if you kind of had a play around with the investment choices in, but they are quite limited in how many options you can actually choose from. Well, Now in the buffer, just had a 100% in high growth. yeah. Yep. Which is just Yep. one one of the option, like, a that's a model portfolio that you've kind Yeah. of chosen within or default within Cbus, Yeah. Yeah. Yeah. and you don't actually know what's the underlying investment. You just basically know that you're in the high growth model portfolio. But Yes. if you were to kinda change it to something else, you would see that there wouldn't be too many options to choose from Yep. if you wanted to change it.","start_word":2370,"end_word":2625,"sentiment":"neutral","sentiment_score":0.08747779577970505},{"text":"But the good thing with Hub twenty four is that there's hundreds and hundreds of different investment options to choose from all the way Yep. down through direct shares, which is how we can kind of build and Yep. recommended portfolio within Hub twenty four using the same five year rolling average has been 13.56, which is that 4.53% better than your current portfolio, which, as Yep. you can probably imagine, does make a big difference when we are then compounding that forward.","start_word":2626,"end_word":2708,"sentiment":"positive","sentiment_score":0.4767893850803375},{"text":"Yep. Now I do wanna mention as well that Hub twenty four as a platform is a little bit more expensive as you can see here than see that. Now admin fees And I'm is a little bit more could you just tell me what page I'm on again? Because I think I might have got lost. no. That's Sorry. page page 18. Yeah. I am I was only one page too far. Okay. Oh, Yep. yeah. Yep. Now as you have a look here, so overall, the the fee is a little bit higher than you see about Yep. the account, Yep. but you are getting a lot more value for money. Now for example, if you look at the difference, you see admin fees. Hub twenty four, the platform is more expensive. But then when Yep. you look at the investment fees, the portfolio we have recommended is actually quite a bit cheaper than what you're currently invested in. Yep. And then you can also see, like, other fees associated with the account is a little bit cheaper than SEVA. But overall, when you factor in, advice fee, it is a little bit more expensive. Yep. Yep.","start_word":2709,"end_word":2907,"sentiment":"neutral","sentiment_score":-0.038349613547325134},{"text":"Perfect.","start_word":2908,"end_word":2908,"sentiment":"positive","sentiment_score":0.3792552351951599},{"text":"Now, again, all of this also includes, you know, salary sacrifice, new insurances, and every advice fee. It shows everything. That factoring Yes. in all of that, it still puts you in that better position, which is on the next page again, projecting five and ten years forward. So this is projecting more money, but that includes me doing salary sacrifice, which I'm currently not doing. Correct. So you can Okay. see the difference. And in the appendix as well, I have included another table not showing the increase in salary sacrifice to show you exactly like for like with the contribution and still showing Yes.","start_word":2909,"end_word":3014,"sentiment":"neutral","sentiment_score":0.1107814833521843},{"text":"you that it puts you in a lot better position.","start_word":3015,"end_word":3024,"sentiment":"positive","sentiment_score":0.602655827999115},{"text":"So that will be in Which the appendix. That's the Oh, one that. you will get tomorrow when the software is up and running. It will be an Okay. attachment. Yeah. Yep. So that will show you the the difference as well. So not showing salary sacrifice on both sides so that Yep. you can see that. And you do you think it's still better off if I don't do a salary sacrifice at the moment? Yes. Definitely. Obviously, doing contributions will impact it and will Yep. compound, Yep. but we're kind of starting with smaller amounts on salary sacrifice as well.","start_word":3025,"end_word":3126,"sentiment":"neutral","sentiment_score":0.08166316151618958},{"text":"So even without it, it still puts Yep. you in a lot better position, which is why we have included that in the appendix to show you that outcome for you as well.","start_word":3127,"end_word":3159,"sentiment":"positive","sentiment_score":0.5176742076873779},{"text":"I I just I'd I'd love to, but it's it's everything's getting a bit expensive just right Yeah. now. If you do if you need stuff, I'm Yes. not sure if it's something I'll do right at this moment, but it is something I'd like to do. Yeah. Yeah. And Yeah. you definitely don't Yeah. have to. And it's one of those things as Yeah. well where clients sometimes stops and starts just depending on exactly what is going on in their life. Yeah. And if it is that you are happy with the recommendation, but you go, you know what? I don't wanna do salary sacrifice. We do not have to Yep. at all. There is a section when you get the digital copy tomorrow as well or when you have a read through, there is a section where it actually says alteration to the advice. So I have made a couple Yeah. of different options for your insurances because we did speak about that as well as the salary sacrifice. So if you go, a, I don't want salary sacrifice right now, just note that down, and then we can definitely note that that we're not looking at doing that. Maybe something down the track, not really right now. And that is perfectly fine. But that Yep. will kind On of make a on sense a when you see guide that. note, I just looked into my feedback account. Yeah. Mhmm. Probably because of this law and everything, Mhmm. it's it has dropped by $4. Yes. Yes. Yeah. And it we Yeah. are seeing that overall in the market as well. Now the tricky thing with your CBAS investments, which will come through a little bit sooner as well, is because you just invested in the model Yeah. portfolio, you basically have a fund manager within CBAS choosing what goes in and out of the investment portfolio, Yep. but you actually don't see what those underlying investments are. So you don't know which industries or which sectors or how they are Yep. invested, which sometimes can cause a little bit of issues if you don't have that transparency or you don't know what it is. Yep. Yes. It gives them the flexibility of chopping and changing, but sometimes it can be a little bit tricky. But overall, the last, you know, twelve months, we have seen a bit of fluctuations in the market Yep. with everything going on first in, like, The US with Trump and tariffs and everything and then with the war Yeah. and stuff like that. So it's also important to factor in diversification within your investments as well. Okay. But Yep. does that make sense so far, James? Yep. That's Yeah.","start_word":3160,"end_word":3616,"sentiment":"neutral","sentiment_score":-0.051203034557320615},{"text":"good. Perfect.","start_word":3617,"end_word":3618,"sentiment":"positive","sentiment_score":0.5874800682067871},{"text":"But most definitely, when this document was prepared, obviously, your balance was at a 144. If it's down to a 140 now, if 40. you said it dropped, yeah, Yep. by about that, it doesn't change the advice because Yep. it still obviously factors in the fees and the returns. And, really, the more you have, the the bigger difference is going to compound and Yep. put you in that better position. But I'll make sure, obviously, as well that when we in the appendix, like I said, I will show you no salary sacrifice Yep. so that you can see that. And I'll make a little note here as well. When we do you know, if if you are happy to come on board and we do the application, it sometimes does change, you know, day to day even with the amount, then that's perfectly fine. If it's a a really Yep. big drop between it, just let me know because then I might wanna just rerun the numbers if it's, like, a big drop just to redig that for you. Yep. I'm a bit on shot at the it jumped $4, you know, like a few weeks. Yeah. Yeah. Yeah. And, also, you are in a in a high growth, but, again, because we don't Wow. know what's in CEVA, Yeah. Yep. so it can be, you know, different private equity. It can be high risk investment. It can be low risk. We just don't know because, obviously, CEVA just has that Yep. information, which I will actually go through go through then the portfolio Yep. that I have recommended and how that's different and how you can actually see and research every single option that's there. And Yep. it's all all there to give you that full transparency. But, yes, we are seeing a bit of those fluctuations recently, unfortunately, with everything going on. The good thing with overseas superannuation is a long term investment, but still, obviously, when it does fluctuate, it is a little bit disheartening because you work hard for the money, and you don't wanna lose it. Yes. I I know that this is the case with high growth that, like, you get some hitch, but in the long term should yeah. Exactly. Hopefully. And Yeah. and, typically, as well in, like, a high growth portfolio, we kind of say that the likelihood of a negative return is about one in five years. So in, like, a five Yes. year five year period is expected that one of those years might be negative as long as overall Yes. as a as a whole, it's obviously moving forward and growing, which is just kind of the nature of it that it is kind of, you know, long term, and then you add everything up. Yep. Yep.","start_word":3619,"end_word":4090,"sentiment":"neutral","sentiment_score":0.011555202431597952},{"text":"Perfect.","start_word":4091,"end_word":4091,"sentiment":"positive","sentiment_score":0.6349748373031616},{"text":"No worries. Now do you have any other questions on this page otherwise? Nope. Not at No. the moment.","start_word":4092,"end_word":4110,"sentiment":"neutral","sentiment_score":0.056222882121801376},{"text":"Great. Perfect.","start_word":4111,"end_word":4112,"sentiment":"positive","sentiment_score":0.5157002806663513},{"text":"Now while we are here, if you then wanna scroll to the following page, just showing that five and ten year projection again. Yep. Underneath that, you can then also see the investment returns outlined a bit more for you. So you can have your twelve months, three years, and five years to show you a bit more information. Yep. Yep.","start_word":4113,"end_word":4173,"sentiment":"neutral","sentiment_score":0.15135781466960907},{"text":"Perfect.","start_word":4174,"end_word":4174,"sentiment":"positive","sentiment_score":0.383232444524765},{"text":"So if you then wanna scroll up for me, James, just back up to page Yep. Go on. Why is it on that? 14. So I'm using the iPad, and I using my pencil, and it started drawing on it instead of scrolling. 14. Oh, no. That's okay. Again, technology. Yeah. I have to use my finger to scroll. If I use a pen, it just starts writing on it. Yeah. You're like, no. Okay. Just give Yeah. the pack. Can you see that okay? Yeah. Page 14. Yes. Yes. So you can see here that, basically, this puts everything in query words, what I kind of just explained. So I'll let you have a read over that in your own time because it is a lot of information to take in. But it basically Yep. shows you kind of that best interest duty again of why the recommendation does align with your goals and your objectives and puts you in a Yep. better position. Kind of puts all of that in in there for you. You can actually see here that from the research, the investments I mentioned earlier, offers 16 investment choices, whereas Hub Yep. has 1,178 choices. So with Hub, it also gives us that flexibility that if it is a investment because it's not a set and forget strategy ever because you never know what's going to happen in the market. No one could predict COVID or what's going to happen.","start_word":4175,"end_word":4419,"sentiment":"neutral","sentiment_score":0.11622945964336397},{"text":"So the good thing with Yep. hub twenty four is because it gives us access to so many different investments, we can chop Yep. and change things based on what's going on.","start_word":4420,"end_word":4451,"sentiment":"positive","sentiment_score":0.40169236063957214},{"text":"Yep.","start_word":4452,"end_word":4452,"sentiment":"neutral","sentiment_score":0.2545064389705658},{"text":"So it gives us that kind of flexibility.","start_word":4453,"end_word":4460,"sentiment":"positive","sentiment_score":0.3510769009590149},{"text":"Now if you then wanna scroll down a little bit for me, on page 15, it does outline that, typically, the way that I like to do it is to do a partial rollover first, retaining 10,000 in Cbus temporarily. The only Yeah. reason we would do that is until your new insurance policy is enforced. As soon Mhmm. as that is enforced, we will then close down, and transfer that remaining 10,000. And that is just because at no point in time do I want to leave you uninsured if something were to happen to you in the process of applying for new insurance. Yep. Fair Does enough. that make sense? Yeah.","start_word":4461,"end_word":4573,"sentiment":"neutral","sentiment_score":0.06567277014255524},{"text":"Yeah. Perfect.","start_word":4574,"end_word":4575,"sentiment":"positive","sentiment_score":0.4608270227909088},{"text":"Now, again, on the next couple of pages, it's quite wordy. So, again, I'll let you have a read over it, but it does kind of break down the advantages in regards to the recommendation, some disadvantages as well, which one of the disadvantages that it is. So a little bit more expensive, some risks to be mindful of as well, which is that there's always a level of risk associated with any investment Yep. option, and you can't Yep. guarantee the investment return. But that's also why we use the five year rolling average as a starting point to give us a bit more certainty of what's happened, Yes. you know, to the portfolio and the market. Because if we use twelve months, depending on when we would have done it, sometimes it would have made it look like you've won the lottery, Whereas other Yep. years, not so great. So that's why we do like to use that five year rolling average. Yep.","start_word":4576,"end_word":4740,"sentiment":"neutral","sentiment_score":0.02823738195002079},{"text":"Perfect.","start_word":4741,"end_word":4741,"sentiment":"positive","sentiment_score":0.5725795030593872},{"text":"Now alternatives considered, you can see that I did consider staying in C bus for you, changing some of the investments. But because of the limitations, that's available in C Bus, I just couldn't achieve the same outcome, in C Bus.","start_word":4742,"end_word":4782,"sentiment":"neutral","sentiment_score":-0.02672156877815723},{"text":"And the other good thing with hub twenty four is that they offer something that's called family linking.","start_word":4783,"end_word":4800,"sentiment":"positive","sentiment_score":0.45260393619537354},{"text":"So if that's ever a situation where a family have, you know, superannuation funds in the same platform, you can actually link accounts, which means that you get a discounted administration fee the more your balance grow because accounts suit the balances, like, as if it's one account even though it's two separate. Yes.","start_word":4801,"end_word":4854,"sentiment":"neutral","sentiment_score":0.12040617316961288},{"text":"So it is a kind of another good thing with hub 24 that it is another feature that you can have.","start_word":4855,"end_word":4875,"sentiment":"positive","sentiment_score":0.5556530356407166},{"text":"Yep. Okay. Perfect. Where did it which page was it where you said that you looked at other Oh, yeah. right. 17. I'm still not thinking. Yeah. I see. I'm still back at so on page 17, At it does the all 10 bottom? digits. Okay. Yes. Yep. So there is a Sorry. lot I more got a research. bit, No. That's yeah, okay. I got a bit Just lost in it. Yeah. just interrupt Yeah. me because I know there's a lot to get through. Yep. Now there is a lot more options that we did consider, but this just shows you some some of them, and the most competitive competitor was MyNorth. We also looked at, you know, Netwealth, Macquarie. There are other options. MyNorth was the most competitive in terms of fees and investment choices, but they don't offer the aggregate trading, which does reduce the fee in Hub twenty four and didn't have quite as many investment choices as hub twenty four. So, therefore, I didn't recommend my law. Fair enough. And I do use hub twenty four for my personal superannuation as well. And if I didn't think it was good, I wouldn't use them.","start_word":4876,"end_word":5075,"sentiment":"neutral","sentiment_score":-0.06321357190608978},{"text":"I definitely wouldn't recommend it to you.","start_word":5076,"end_word":5082,"sentiment":"negative","sentiment_score":-0.33618998527526855},{"text":"Yep. But No it's not worries. to say that it's always potentially going to be the best option, James, because there's always new products and features continuously coming out. There is absolutely Yep. nothing tying us to hub twenty four. So if there is another one that comes out that is, you know, cheaper with just as much investment options, like I said, there is nothing, you know, preventing us from swapping Superfunds if it's going to be the Yep. better option for you.","start_word":5083,"end_word":5166,"sentiment":"neutral","sentiment_score":0.11780908916677749},{"text":"Yep. Perfect.","start_word":5167,"end_word":5168,"sentiment":"positive","sentiment_score":0.4920178353786469},{"text":"Now if you can then scroll down to the investments for me, which is page 20. And, please? Yes. So you see a little table there? Yep. Yep.","start_word":5169,"end_word":5196,"sentiment":"neutral","sentiment_score":0.11892026662826538},{"text":"Perfect.","start_word":5197,"end_word":5197,"sentiment":"positive","sentiment_score":0.5750617980957031},{"text":"So this kind of outlines your current investments. So like you said as well, you are in a high growth portfolio, and a 100% of your money is in this portfolio. I kind Yep. of already touched that that is a managed fund option. Now do you know the different options between, like, a direct share or an ETF and a managed fund? Have you ever heard of that before? No. I've heard of self managed fundings. That was the last thing you said, I think. Self made Or super no. funds a little bit little bit differently. Okay. But, essentially, We'll just we'll with just work off now. I haven't heard that. Yeah. no. That's fine. Yeah. And most people haven't because it is obviously, like, a foreign thing. Yeah. Now for simplicity, to give you kind of a a rough idea of the different investment options, now this is all available in Hub twenty four as well, which is great, is that you can have direct share. So that is the most simple way. Let's say you wanna invest in BHP. Directly in BHP, you can invest in the company itself, just Yep. in BHP. Now that is a direct share because you invest directly in one particular company. Yep. You can then have an ETF, which is an exchange traded fund, which is a lot of the investment that I have selected for you. Now these are a little bit differently in let let's say you want to invest in the oil industry as a whole, but not just in DHP to give you a bit more diversification. You can Yep. then invest in an ETF, which kind of tracks different index and metrics depending on which one we choose. And it is a Yep. really good low cost option because you're kind of tracking an index, but then also it's very diversified because you don't invest in just one single option within the investment. Yep. And then you have managed fund, which is how your c bus is set up where you do have that portfolio manager kind of buying and selling different things depending on what is going on in the market, which sometimes works out well and sometimes it doesn't outperform. Yep. Yep. So underneath that, you can then see the investment portfolio that we have put together for you.","start_word":5198,"end_word":5593,"sentiment":"neutral","sentiment_score":0.1123061998173444},{"text":"Now this gives you kind of all the transparency in the world because you know exactly what those investments are doing.","start_word":5594,"end_word":5614,"sentiment":"positive","sentiment_score":0.38344836235046387},{"text":"If there's ever a situation where you don't, if you are very particular with not liking a particular investment or industry, we can always chop and change it, because Hub twenty four does have that 1,178 different options to choose from. Yep. And it's not a set and forget thing. So, again, things in markets can always change and evolve, and it is important to keep reviewing these just to make sure if there is one that's underperforming, we might wanna swap it out for something else depending on what is going on in the world as well. Yep. But, essentially, how we put together the portfolio there for you is that we put together it using a core satellite approach to investing, which essentially means that we are investing majority of the funds in what we would call your core, and they kind of represent, like, the backbone of the portfolio.","start_word":5615,"end_word":5766,"sentiment":"neutral","sentiment_score":0.08425150066614151},{"text":"And these are more those passive index funds that have done really well in the past, and we believe will continue to do so in the future.","start_word":5767,"end_word":5793,"sentiment":"positive","sentiment_score":0.3856014907360077},{"text":"So these are kind of your biggest shareholding. So you will see here at 35%, the iShares S and P 500. Have you ever heard of that one before? No. Nope. No? Essentially, that one invests in the biggest 500 companies listed in The Yep. US. So you will have companies like Apple or Microsoft and Amazon, all the kind of big companies you would see and use every day. You then have 25% in the beta shares Australia 200. Again, we don't wanna put too much into one industry. We don't wanna put everything into the The US, but we wanna Yep. diversify things for you. So that 25% is in Australian investment. So that one invests in the two Yep. 100 largest companies listed on the ASX. So you will have Yep. companies like Commonwealth, BHP, CSL, Woolworths, for example. Again, all the kind of big companies in that portfolio. Yep. Now the rest of the investments you will see have a little bit of a smaller holding, and these would be what we would call your satellite investments because they can be a little bit more volatile. They can fluctuate a little bit more. They're a bit more specialized. That's Yep. why they do have a smaller portion allocated.","start_word":5794,"end_word":6005,"sentiment":"neutral","sentiment_score":0.11045199098452084},{"text":"But because the goal is we do wanna maximize that growth for you and diversify things for you, we wanna obviously find the niches and the opportunities to grow that for you while still not having too much allocated through them.","start_word":6006,"end_word":6046,"sentiment":"positive","sentiment_score":0.506378173828125},{"text":"Mhmm. So, for example, you'll see 6% to beta shift cybersecurity. Obviously, AI technology is not going anywhere anytime soon. You have a 9% in Europe. Again, trying to diversify everything for you around the globe. 5% in Japan, and then 8% across the globe. But that one excludes The US because you already have that exposure to the ICS S and P 500. Because we don't wanna put too much into one area as well. I'm Sorry to be annoying. Can you tell me what page you're in again? Yeah. No. No. Not annoying Okay. at all, James. Page 20. Because sometimes I think I accidentally scroll beyond where you're at, and then I don't know. And Yeah. I got lost somewhere. Sorry. No. I was off just one page further. So I was trying to look at those percentages, and I was And you were then like, I I can't thought you see. were furthered. Yeah. Yeah. Yeah. Yeah. What are you talking Yeah. Yeah. about? No. Yeah. Just page 20 and the weighted column. Yeah. And, basically, the bottom through there, the seven and five, are your more defensive. So I was telling them the fluctuations a little bit. So you have seven percent in gold and a 5% in fixed interest for you. Yep. Does that kind of make sense? I know it's probably a lot to take in. Yep. Yep. No. Perfect. I'm I'm I I get it. Yep. Yep. Now in the appendix as well, so when you do get that tomorrow, if it is something you do wanna read up on a bit more, in the appendix, I've included investment link to each and every one of these investments. So it is public.","start_word":6047,"end_word":6336,"sentiment":"neutral","sentiment_score":0.035560153527506466},{"text":"So if you do wanna go and have a read over them, you are more than welcome through.","start_word":6337,"end_word":6354,"sentiment":"positive","sentiment_score":0.4610362350940704},{"text":"That will all be in the appendix when you receive that tomorrow as well. Yep.","start_word":6355,"end_word":6369,"sentiment":"neutral","sentiment_score":0.24981942772865295},{"text":"Yeah. Perfect.","start_word":6370,"end_word":6371,"sentiment":"positive","sentiment_score":0.4850403070449829},{"text":"Now next up is just showing you the asset allocation. It is the pie chart. Can you see that? Yep. That's Yeah. the page I was just on. And Because you're like, when what you're saying are these percentages, numbers? I was like, I couldn't see the one you were saying. But Yeah. yeah. Look. I'm seeing numbers just not the percentages. Yeah. Yeah. Now this one here shows your risk profile at high growth, your existing portfolio, and then the Yeah. proposed. So Yeah. both very much aligned with your risk profile. The proposed has a little bit more in growth and defensive, but still kind of both align with your risk profile as well. What is what is defensive meant? So that will be your defensive investment. So you will see fixed interest. It can be different alternative investments and cash, for example. So these are the ones who kind of limit fluctuations a bit more kind of slow and steady investments. Okay. Yep. And, typically, the older you get, you might wanna start switching these. So the older you get, the closer you get to retirement. Most people want a bit more higher and higher in defensive because these are Yeah. the slow and steady. And if you wanna retire in, let's say, two, three years, you might not wanna be in a high growth. Because if that's the year you wanna retire and it's down, you Yeah. you know what I mean? So gradually, you wanna then start increasing it. But because you have plenty of time on the retirement, Yep. you do have obviously time through b mainly in that high growth, but just a tiny Yep. bit of that defensive for you. Yep. Yep.","start_word":6372,"end_word":6661,"sentiment":"neutral","sentiment_score":0.046496015042066574},{"text":"Perfect.","start_word":6662,"end_word":6662,"sentiment":"positive","sentiment_score":0.448929101228714},{"text":"Now I'll go through the next strategy a bit quicker for you if it is something you're not really thinking about right now anyway, but I have included that for you, which is showing you the salary sacrifice that is page 22. Can you see that? Yes. Yes. So this just show you what $20 per week in salary sacrifice will do. So you can see your current position and Yep. the proposed Yep. position. Now it might look a little bit messy with all the numbers. Essentially, to summarize it for you, if you do $20 per week in salary Mhmm. sacrifice, Yeah. After tax in twelve months, it will mean that in in pocket, you will receive about $707 less in a year's time Yeah. Yeah. after tax. Yep. And you can see that taxable income. That's also how you save a little bit because it comes pretax. Yep. The difference then underneath that is then extra going into super. So by doing $20 per week into super, you still get taxed in super, but concessionally at 15% instead of your Yeah. marginal tax rate at 30. It will mean that you will put $884 extra into super. And when you fact factor in kind of the difference between contributions and income, it's a net of about a 177 just kind of intact that you've saved. Yep. Yeah. Does that make sense? Yes.","start_word":6663,"end_word":6897,"sentiment":"neutral","sentiment_score":0.10323584824800491},{"text":"Perfect.","start_word":6898,"end_word":6898,"sentiment":"positive","sentiment_score":0.5181921720504761},{"text":"Yep. But, again, it's just to show you, and it's perfectly fine if you don't want to do this at this point. That is no stress. It's always something we can reevaluate when, you know, cash flow and stuff a little bit better or if you just have different priorities.","start_word":6899,"end_word":6948,"sentiment":"neutral","sentiment_score":0.06095628812909126},{"text":"That's perfectly fine.","start_word":6949,"end_word":6951,"sentiment":"positive","sentiment_score":0.3502916097640991},{"text":"Yeah. So I'll kind of How skip are you? this and let you have a reader because, again, he outlines advantages and disadvantages and risks in regards to it, but I'll let you have a read over that in your own time. Yeah. Now do you have any other questions so far before I move on to your insurance recommendation? Not not No? Okay. at the moment.","start_word":6952,"end_word":7018,"sentiment":"neutral","sentiment_score":0.03657789528369904},{"text":"Perfect.","start_word":7019,"end_word":7019,"sentiment":"positive","sentiment_score":0.4517019093036651},{"text":"Yep. Now with the insurance and, again, I have included different options for you in the appendix because I know when we spoke last time, you said it kind of depends on the price for you. You want as much as possible to give you and this family that protection if something were to happen. Yep. But, obviously, without knowing the price, it could impact things. So I'll run through because I have the the figures in front of me. Again, it might make more sense when you see the alternative, and the option is ultimately completely up to you which which ones you feel the most comfortable with. Yep. Now I did have a look at your one path insurance as well, and looked at just keeping that and alterating it through increasing the TPD up to life a little bit. But your one pass insurance, even though it has the same underwriter as Zurich, which is the one I have recommended, it was a bit more expensive and not as comprehensive. So I have recommended that we cancel one pass and apply with Yep. Zurich instead. It is very Yep. similar, though, in the process. They're both very comprehensive options. They're both underwritten, which is what makes the cover so good that, you know, because you are kind of locking into a contract with them when you apply for the cover, that means that anything after that point in time, you are covered. So if you Yep. change your occupation and you become an underground minor or you take up a super risky occupation, you are still covered. Or if anything were to happen to you health wise, you are still covered, which Yep. is what makes it so competitive. Does that make sense? Okay. Yes. Yep.","start_word":7020,"end_word":7318,"sentiment":"neutral","sentiment_score":0.0425356344185944},{"text":"Perfect.","start_word":7319,"end_word":7319,"sentiment":"positive","sentiment_score":0.5199252367019653},{"text":"So what I have recommended here on this page is the most amount of cover. So it's a million dollars worth of life and total permanent disability insurance. Now Yep. the way that I have them structured to reduce the premium is to having them linked. Basically, what that means is that whichever event happens first is what you will be paid on. So Yeah. let's Yeah. say claim TPD, something were to happen, you get paid a million dollars, it cancels your life policy. But Yeah. I just added in a buyback option, which after twelve months reinstates your life. So if something Okay. were to happen after twelve months, it's then reinstated.","start_word":7320,"end_word":7433,"sentiment":"neutral","sentiment_score":0.1261317187495399},{"text":"And it just makes it so much cheaper for you than having them completely stand alone. It actually makes it cheaper than if you said to me, I only want TPD, Yep. which is kinda funny, but it just the insurance has multi policy discount, which does make it a bit cheaper.","start_word":7434,"end_word":7485,"sentiment":"positive","sentiment_score":0.4946347177028656},{"text":"Okay. Now income protection, I have also added for you, and that is 70% of your income on a monthly basis, which will pay you a monthly amount of 7,292. I have added a, s three contribution feature.","start_word":7486,"end_word":7523,"sentiment":"neutral","sentiment_score":0.25764426589012146},{"text":"Again, it's not something you have to have, but it is quite good, which means that even if something were to happen to you and you are not working and you are getting income protection, you are still getting contributions into your super of about that 1,250 from the insurer, which is What really does good.","start_word":7524,"end_word":7579,"sentiment":"positive","sentiment_score":0.3612572252750397},{"text":"s g stand for? Superannuation guarantee contribution. It means your employer Okay. contribution. Yep. So, basically, it means that 1,250 per month will We'll be still paid go in into super. correct. So Yep. even though you're not getting any form and your employer is not paying for it, the insurance will will put that in while you are on claim. Yep. And what does where does this definition says indemnity? What does that mean? Yeah. That's that's a very good question. Now with insurance, income protection that used to be two definitions back in the days, and now only new and policies have indemnity style. You used to have Yep. an agreed definition and indemnity style. Indemnity style means that that is the income at the time of claim. So it is important Yep. to keep reviewing them, especially as your income change. So for example, if your income at the time of something were to happen to you is 80,000, even though Yep. you are covered for more, you are only gonna get paid for 70 percent of 80,000 because that is your income at the time of the claim. Yep. On the other side, though, that if you are your income is, let's say, 300,000, because Yep. you are only insured for up to 7,292, even though your income might be more, you are only going to get 70% of what you are insured for. So that is why Okay. it is important to review them. Now the good thing with Zurich is that every twelve months within thirty day of the anniversary period now you don't have to remember this, but you can Yeah.","start_word":7580,"end_word":7857,"sentiment":"neutral","sentiment_score":0.07508425666488332},{"text":"do an increase with up to 15% of income without having to go through underwriting, which is really good.","start_word":7858,"end_word":7876,"sentiment":"positive","sentiment_score":0.5039151310920715},{"text":"Because otherwise, Yep. every time you increase the cover, the insurers are like, woah. You we are taking on more risk, so you have to go through the underwriting process again. Yep. And the old definitions of agreed value was that it was agreed upon at the time of the policy. So the benefit of that was, like, if your income when you took out the policy was 300,000, even if your income at the time of claim was 20,000, you would get 70% of 300,000. But as you Yep. can probably imagine, a lot of people were sometimes better off on income protection claim than you were working. Sorry. The insurance paid a lot Yep. of money, so they changed that. Yep. So new policies, you can't get that anymore. Okay. So that is a good question. Yep. Now I have looked at the waiting period of thirty days. Now we did look at as short as possible for you as well. Obviously, finances, a lot of people can't survive very long without an income. Zurich Yep. and OnePath are the only providers where you only have to wait fifteen days after waiting period before you get paid. All the other providers is thirty days. Wow. Okay. So that would mean that you would wait thirty days plus fifteen before you get paid, so it's forty five, but all the other providers, you'd wait sixty. Yep. Yep. So that is that is an added benefit with Zurich. Now Yep. I Mhmm. have recommended here to show you the most comprehensive option on your income protection, which Yep. shows you of having the income protection all the way up to the age of 65. So that is if something were to happen, you can get paid all the way up to the age of 65 if you can't work.","start_word":7877,"end_word":8185,"sentiment":"neutral","sentiment_score":0.014177614822983742},{"text":"So this is the most comprehensive option, also the most Yep.","start_word":8186,"end_word":8196,"sentiment":"positive","sentiment_score":0.4824061989784241},{"text":"So Yep. all those three, you can see here that the total premium is 3,364. Yeah. Now just for reference, your life and TPD alone at Yep. the moment with one pass is 2,521, and that doesn't include income protection, which is the most expensive. Yep. Now I, yeah, I don't have that currently. no. Now in the appendix, which, again, you will see tomorrow, I have included an alternative income protection configuration. So life's Mhmm. the same, TPD the same, income per section exactly the same, but the benefit period instead of being all the way to the age of 65 is showing you five years. So a little bit less Yep. to still show you that, and the premium Mhmm. for that is Okay. 1,853. So it does make a bit of a difference in price, but it also means you're only covered for five years instead of Yeah. all the way up to the age of 65. Yep. Yep. Yep. Now the good thing with the insurance as well, I always say that if it is affordable, it's always better to start higher because it's super easy to decrease it. If, for example, you say, you know, I'm happy to start with age 65, but the older you get, the more expensive they're gonna become. So in a couple of years, if you were to say, do you know what?","start_word":8197,"end_word":8429,"sentiment":"neutral","sentiment_score":0.03768830746412277},{"text":"I feel like it's getting more expensive.","start_word":8430,"end_word":8436,"sentiment":"negative","sentiment_score":-0.3877505362033844},{"text":"Let's reduce it to five years. It's a quick form. The insurers are happy to take take more take on more risk less risk. But if Yep. you say the opposite, let's say you start with five years, and then in a couple of years, you go, oh, do you know what? I wanna increase it to age 65. Because the Mhmm. insurers will take on more risk, they will say, okay. Well, we have to go and assess everything again, your medical, your health, your lifestyle, because they are taking on more risk. And if something's happened to you in that time frame, you know, you might not be able to get covered. Does that make sense, Jim? Yep.","start_word":8437,"end_word":8556,"sentiment":"neutral","sentiment_score":-0.09335238076746465},{"text":"Yeah. Perfect. But, again, the options are there, so it's completely up to you what you are comfortable with.","start_word":8557,"end_word":8575,"sentiment":"positive","sentiment_score":0.3960614502429962},{"text":"No. Are Now almost at the you? end for you, which is then showing you page 26, which is your trauma recommendation. Do you remember Yep. what the trauma was? Uh-huh. I think it was a a one off payment if Yes. something happens. Yes. Yes. Yeah. No. Very much. Yeah. So it's a lump sum payment that is completely tax free. It's paid Yeah. through you if you suffer a traumatic event. So that would be your biggest ones, like cancer, stroke, heart attack, different neurological conditions. And you just Yep. need to get that the definitions from the doctor, and you will then be paid out a lump sum payment completely tax free. Again, this is just to show you the premium. So at the end of the day, you can decide what you would like to do. Now Yep. I have done two options for you again because we spoke about that last time. So I've shown you here, again, the most comprehensive, which is 200,000. That is 2 Yep. 100,000 worth of trauma. Now I have added a secondary life policy. The only Yes. reason I have that is to reduce the trauma price because, again, that kind of multi policy discount. That is the only reason. And what's the last one? Of 200,000. So that would be if you would pass away, that will be an additional 200,000 paid to your family. On top of the other million. Yes. Exactly. Okay. So it'll be Yeah. 1.3. Again, the only reason I have done that is to reduce the trauma out of pocket because it's Okay. more expensive to do it by itself, which, again, seems weird. It just makes Yeah. it cheaper. Yeah. And now I have shown you so this one here will be $32.40 per month for both of those. Yep. I have shown you in the appendix, which, again, you will see tomorrow, of a 100,000. The premium Yep. for a 100,000 is $16.64 per month. Yep. Does that make sense? Yeah. Perfect. Yep. It does. Underneath it, you can then see your one path insurance as well that we would obviously look through to change that. Yep.","start_word":8576,"end_word":8941,"sentiment":"neutral","sentiment_score":0.027359055813218725},{"text":"Now, again, it shows that best interest due to going back to that again, making sure we always take your best interest at heart and that the advice will align with your goals.","start_word":8942,"end_word":8974,"sentiment":"positive","sentiment_score":0.5360614061355591},{"text":"So, again, I'll let you have a read over that in your own time because I know I've kept you on the phone for a while. But, essentially, everything we've kind of gone over, it's kind of put in black and white for you. Yep. It also on page 28, you'll see a little bit of a table, just of a needs analysis, which is kind of what we discussed last time. It's just putting the numbers there. So if Yep. something were to happen for life and TPD, paying out all the debts, having a bit for funeral expenses, also, it will be about four years worth of income replacement if something were to happen to you. And that gets us that outcome. Yeah. Yep. That is just outcome. That is just to show you if you were to say, you know what? I'm happy with Zip, but I don't want insurances, what the outcome will be. But even if you look at, like, say, five years, it's not a great deal difference, but it will mean that if something were to happen, you will have a life activity and income protection to protect you and the family. Yep. Yeah. Again, on the next pages, it'll put everything into words. So you'll have advantages in recommendation, Yep. disadvantages, also some risks to be mindful of. One of the biggest risk is making sure that when we do the insurance application, you answer the questions truthfully. So if something ever were to happen come claim time, that's all Yep. correct. Yep.","start_word":8975,"end_word":9235,"sentiment":"neutral","sentiment_score":0.08634275943040848},{"text":"Otherwise, disadvantage is if you do want trauma, you'll have to pay a little bit out of pocket. And, obviously, adding income protection overall, even though it is better value for money, it is a little bit more expensive if you do decide to go with the $8.","start_word":9236,"end_word":9283,"sentiment":"negative","sentiment_score":-0.46556565165519714},{"text":"65 benefit option. Now Yep. the last thing I do wanna mention with the insurances is at the bottom of page 30. Can you see page 30? Yeah. Yep. Now I know as well we spoke a little bit about trauma for children if something were to happen. Mhmm. Yep. So on the current trauma, but you were kind of leaning more towards just the added option for Yep. for cost purposes. So for both the 100,000 and the 200, I've included Mhmm. this option for you. And Okay. that essentially, as you can see that, it means that it will pay a benefit if one of your children between the ages of two and 18 suffer from a specific event. Now in the PDF, it will actually outline what all of those are for you. Yep. So a lot of information, but it will give you a bit of a buffer if something were to Yep. happen to any of your children. And it's also there's also an additional 5,000 funeral benefit if something ever Yep. were to happen at all. And that's all just added to your trauma policy. Yep. Any questions so far? No. It's probably a lot with insurances as well. No. It's No. information overload. Yeah. Yes. Yeah. Yeah. Which is why I wanna Yep. make sure you can have your time to go through it. I do wanna mention that there is a lot so at the bottom of page 32, there is a lot of different insurances, a lot of research that goes into choosing the best one for you. So Yep. option looked at was talus and that MetLife meals. Also, one part when factoring in price and what the features are. Zero came out the most the best one for you specifically. Yep. Now I'll kind of skip over the beneficiaries. We touched on that last time. Obviously, going to your spouse, completely tax free. Children 18, Yep. completely tax free as well. So there's just a little Yep. bit of information on that. I've also just included some information in regards to a will and power of attorney.","start_word":9283,"end_word":9640,"sentiment":"neutral","sentiment_score":0.04917706657388357},{"text":"I do always recommend that it is good for everyone to have.","start_word":9641,"end_word":9652,"sentiment":"positive","sentiment_score":0.4287672340869904},{"text":"But, again, it's just information there for you, Yep. which then kind of takes us almost at the end, which is just you're showing your ongoing services. That is page 40, which just mean that we are at every 12 months, at a minimum, we'll go through a comprehensive and a review, which is where we reassess everything. So if anything's changed in your life where we might need to make changes with advice, if there's any changes with investments we want to do, at a minimum every 12, we will do that. We can do it more frequently. I have some clients who want them more frequently. Some people are more than happy to just do it once a year on unless something happens to the market, obviously. But that basically shows you all of that.","start_word":9653,"end_word":9789,"sentiment":"neutral","sentiment_score":0.14153649598142526},{"text":"But it also gives you access through, you know, continuous advice.","start_word":9790,"end_word":9800,"sentiment":"positive","sentiment_score":0.3572317659854889},{"text":"So if there's ever anything that you want help or guidance on or advice in any areas, you can always give us a call. You can call me once a week or once a month. You know, it doesn't change the fee in any way. You always have access to it. Yep. Yep. Now the last information is just a little bit of important information. Again, I'll let you have a read over it. I do wanna point out as well that you do have a fourteen day cooling off period. So if you decide that you, you know, wanna go ahead and apply for life insurance and Yep. super and everything like that, you change your mind, you do have a fourteen day cooling off period, but there is no lock in contract. There's no lock in contract with us either. So if you decide that you okay.","start_word":9801,"end_word":9949,"sentiment":"neutral","sentiment_score":0.12654204666614532},{"text":"Cool.","start_word":9950,"end_word":9950,"sentiment":"positive","sentiment_score":0.390066921710968},{"text":"I wanna give it a go. But then let's say at some point in time, you are not happy with the services or anything like that, there is no lock in contract. You can cancel whenever you want through, and we can then help you roll you back to Zebra or wherever it is that you want to go if Yep. you are not happy. Okay.","start_word":9951,"end_word":10016,"sentiment":"neutral","sentiment_score":-0.14703114330768585},{"text":"Perfect.","start_word":10017,"end_word":10017,"sentiment":"positive","sentiment_score":0.43042224645614624},{"text":"Now the last thing I do wanna just quickly run through before I let you go today is just the remuneration section, which is page 42. Can you see that? Yep. Yeah.","start_word":10018,"end_word":10049,"sentiment":"neutral","sentiment_score":0.0800337865948677},{"text":"Perfect.","start_word":10050,"end_word":10050,"sentiment":"positive","sentiment_score":0.4438968300819397},{"text":"Now there is an implementation fee if you do decide that you would like to come on board, which is three Mhmm. point 3% of your super balance. Now that is for the implementation of the advice. So it basically Yep. pays for everything up until this point. So my time, power planner's time, research, basically keeps the light on in the office. Now that is a one off advice fee that is deducted Yep. at the very beginning and never again. So if we do some research and we feel like how to enforce is not the best option and we choose to go elsewhere, no. You don't have to pay advice fee ever again upfront. That's That's just one already stop. done? Correct. Yep. This amount here, which you can see, was included in those projection table we went through earlier where it shows you everything net of fees. So that was all included in there. Yep. Now you will also see here Zurich. Sorry. Zurich does pay us a commission Yep. for recommending insurances. Now they do 66% of the premium upfront. The next page, you will see 22% of the premium ongoing. That is Zurich Yep. paying us, though. It is not you paying us. Yeah. It is the same for every single insurer out there, so it doesn't play us in any way to recommend one provider over the other. But for compliance purposes, we need to disclose any commissions we receive so you are fully aware. Yeah. No Perfect. worries. Last thing is the ongoing advice fee. So there is an ongoing advice fee. Now, typically, this is 1.65% of your total balance. It is calculated annually, but it is deducted monthly for you. But because, obviously, Leah is the client that has been reduced for you down to one Yep. point one. And if it is that you do become a client, we would honor the same discount of rate for her as well. Yep. And Can that I essentially just just a question? If we yeah. go back a page, Yes. it says total is 7,633. Are you Mhmm. saying $4,007.64 would come out of my Subaru, Correct. but the $2.08 $6.09 will not come out of my Subaru? That just comes from Zurich? Correct. That is No. exactly Okay. right. Yes. Yeah. That is just to show you only pay the super. That's it. Yep. Yep. And would this be adjusted? Like, right now, it says $4.07, but as we said before, my suit is dropped. So would that be adjusted if Correct. we got to that stage? Yeah. Yes. So it's 3.3 of your super balance because it is Yeah. that percentage. So if it is that your super has dropped to that $1.04, then, yes, it will be reduced. Yep. Okay. Yeah. No worries. Good question, though. And, yeah, same for that 1.1. Like I said, just that's the only one you pay. You don't pay the Zurich one there. Yep. Yep.","start_word":10051,"end_word":10553,"sentiment":"neutral","sentiment_score":0.04984415632859613},{"text":"Perfect.","start_word":10554,"end_word":10554,"sentiment":"positive","sentiment_score":0.4727845788002014},{"text":"So if once it's set up, we pay that one that fee on page 42, and then every year, we'll be paying what's on page 43 in in a nutshell. Is that right? Correct. Obviously, it Yeah. is a percentage of your balance. As your Yeah. balance grow, it Yeah. will get more. But it's so, obviously, that mutual beneficial that, obviously, there is obviously, from all the the legal side and ethical side of obviously making sure your superannuation grow as much as possible because there Yep. is kind of mutual beneficial. The 1.1% stays the same, though. There is no changes Yep. to that. Yep. Yeah. Perfect. Any other questions in regards to the fee? Nope. No? Perfect. And, basically, at the the last couple of pages, they'll let you have a read of Nope. your own own time. It just recaps everything. It recaps the process on how to implement everything. Now you can obviously ignore the salary sacrifice if you don't want to do that. That is perfectly fine, and you don't have Yep. to remember all these steps. We would do all of that for you. We'll kind of guide you through each and every single step. And as soon as Yep. your hub twenty four would be open, we'll give you the forms to give to your employer to change contributions. We would obviously Yep. cancel your one pass. We would do all of that for you. This just shows you the the kind of steps, otherwise. So I won't have to try and cancel, and you sort that out. We would do that.","start_word":10555,"end_word":10824,"sentiment":"neutral","sentiment_score":0.1438538251651658},{"text":"Yes. Awesome. Yep.","start_word":10825,"end_word":10827,"sentiment":"positive","sentiment_score":0.5618510246276855},{"text":"So we'll handle all the paperwork and everything like Yeah. that. For you, if you ever if anything ever were to happen and you need to make a claim on any insurances, you just call us. You don't ever have to deal with Zurich. You don't have to deal with Hub twenty four. You just call us, and we are kind of that middleman for everything if something ever were to happen as well. So I become paraplegic. I just give you a call with my mouth, and you work Yes. it out. Yeah. Exactly. Okay. Or if or if Leah calls on your behalf. Okay. But but No yeah. worries. Obviously, I Yeah. hope that never happens. Yeah. But, yes, if anything ever happened because, also, it's like we work for you. I don't we don't Yeah. work for Zurich, and we fight with the insurance company all the time. And our goal is Yeah. to make sure that if we have an insurance policy in place for you, if something were to happen, you will get the money. Yeah. So insurance company can be very tricky. A lot of them don't actually deal with clients directly. They only deal with advices for that purposes as well and also for compliance, whereas we obviously know Yep. how to deal with it and how to push to make sure that at the end of the day, you and your family will get you know, if Yep. something is gonna happen. Yep. Yeah.","start_word":10828,"end_word":11079,"sentiment":"neutral","sentiment_score":0.04466519877314568},{"text":"Perfect.","start_word":11080,"end_word":11080,"sentiment":"positive","sentiment_score":0.35794752836227417},{"text":"Now I know that was a lot of information, so I will let you go. I will let you have Yep. a read over it. Like I said, I will get the team to have a look at this software and send you the documents tomorrow. Would you like them to send you a text message when we've sent it just to make sure it does come through? Yeah. No. No worries. Yeah? That'd be helpful. Yeah. Yep. Yeah.","start_word":11081,"end_word":11159,"sentiment":"neutral","sentiment_score":0.1525581032037735},{"text":"Perfect.","start_word":11160,"end_word":11160,"sentiment":"positive","sentiment_score":0.385554552078247},{"text":"If you do have any issues, though, and it doesn't come through, just please let me know, and I'll see if I can send it a different way. It seemed like it was just a today thing because earlier today, I had no problem, and now it showed Yep. up as a bit of an error and always like that with IT leave leave. Yeah.","start_word":11161,"end_word":11225,"sentiment":"neutral","sentiment_score":-0.14975373446941376},{"text":"So I'm sure that all be sorted tomorrow.","start_word":11226,"end_word":11233,"sentiment":"positive","sentiment_score":0.34499868750572205},{"text":"In the appendix, like I said, you will have the the change in showing no salary sacrifice and also those insurance recommendations if you wanna have a bit of a think about what you would like to do as well and seeing those premiums. Otherwise, I will let you have a read over everything, Yeah. No and worries. the team might reach out in a couple of days just to see if you've had a read through it or any questions or what your thoughts are on on everything there for you, Jane. No worries.","start_word":11234,"end_word":11328,"sentiment":"neutral","sentiment_score":0.14671234786510468},{"text":"Thank Yep. you. Perfect. Well, thank you so much for your time and patience this afternoon. I will get you let you go and enjoy the rest of your evening.","start_word":11329,"end_word":11358,"sentiment":"positive","sentiment_score":0.7223864793777466},{"text":"But, otherwise, I Yep.","start_word":11359,"end_word":11362,"sentiment":"neutral","sentiment_score":0.2829698920249939},{"text":"very much look forward to speaking with you soon again. Thank you very much. No problem, James. We'll Thank speak soon. you.","start_word":11363,"end_word":11384,"sentiment":"positive","sentiment_score":0.6040324568748474},{"text":"Bye. Bye.","start_word":11385,"end_word":11386,"sentiment":"neutral","sentiment_score":0.2209911048412323}],"average":{"sentiment":"neutral","sentiment_score":0.08533064159419584}}}}