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Is that still a good time there for you? Fantastic. How's your morning been thus far? Oh, that's Oh, that's good. Nice three day weekend for you. All good. Now before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do a quick security check, sir, with you, just can you confirm your full name, your date of birth, and address I should have on file? Yep. Yep. Yep. Beautiful. Thank you so much for that. Now I am just sending through the statement of advice and supplementary material through to you via email. Are you able to jump into your email, sir, at the moment? Or if you can't, that's okay. No. This is the statement of advice to run through the recommendations with you. It should be a new email coming through any moment, if not already. Yeah. That's okay. It should come from Odoo sign, and it might have even come from my email. So dana@otfinancial. Yeah. Beautiful. Yes. If you click on the button now I am really clear. It does not make you sign anything until you've gone through it. You can do have the option of going back out before signing it and rereading it. I am a big advocate for reading things before you do sign it. So what I'll do is I'll take you through the advice. We'll focus on the pages that are important to you so I can basically explain what what I need to go through with you, and then you get to take that back and have a really good read of the document there as well. Okay? Beautiful. On the front page of that one, it'll say statement of advice prepared for yourself as of the 07/01/2026. Our advice is valid for sixty days from the date on the document there. And on the bottom there, my licensing number for you as well. So I'm a registered financial adviser with ASIC, and my license number is 1304394. Okay? Yeah. Before the next couple of pages, we outline the best interest duty. So just making sure that any advice we do provide is in your best interest. On all the pages as we with the recommendations, we actually do have a best interest duty statement, which realigns the advice back to your goals, and it outlines why the advice provided is in your best interest. Okay? On pages three and four and five, we have the scoping in and scoping out areas. So these are areas of where we are and are not providing advice with this document. We're looking at superannuation for you. We've got insurances in there. You wanted to try and get some income protection. So I've had a really good look at how to do that to make it a cost effective for you, but also give you that level of protection in the stressing the estate planning side of things. So you mentioned you don't have a will or power of attorney, and your beneficiary is nominated to your daughter who, I believe, is about 10,000,011 years of age. Yeah. So I have looked at the best way to make sure that nomination is in place so that she gets the money, because there are some there are some interesting rules around beneficiaries and how they are paid especially to minor children. Okay? The areas that we're scoping out from page five on, we've got not looking at debt reduction. So you do wanna have your mortgage paid down as quickly as possible. We're not scoping that in right now. If you do want additional advice in that area, let us know. We can also refer you through to a mortgage broker who can reassess essentially your home loan, the rates you are paying, and look at ways to help you pay that down quicker as well. Okay? Excellent. To make things easier, I'll get you to go forward for me, and we're gonna head down to page number 17. So this is essentially the recommendations in a bit of a nutshell. Beautiful. Now if you find you have questions through any of this, let me know. I do tend to just kind of get in my group and go. But you just tell me to stop, ask any questions, or pull me back if you need to. Okay? All good. Now the heading on this page should be investment recommended superannuation. Can you see that page there at all? Yep. Beautiful. So one of the things we looked at was your superannuation. Obviously, your balance is growing, and you're working really hard to build that. However, we wanted to just make sure that you were invested correctly. One of the things we discussed when we first had that conversation a few months back was that you had been a long Australian equities in there, and that was underperforming a little bit. Since we had that first conversation, our investment committee has gone in and removed that from everyone's portfolio. So you actually don't have that investment anymore. But I still wanted to check the investments that you do now have and make sure that, you know, if there's a rebalance or if there was something that needed to be replaced, that we do do that. I think one of the important things to note that investments do need to change over time. Investments that you were recommended initially or several years ago might not be appropriate now. And with the investments you have now, we need to keep reviewing because they may need to be changed or altered down the track there as well for you. Okay? I had a look at net wealth as a super fund as well as all the other funds out there to see whether or not we should move out of Netwealth or not. I am recommending that you do retain Netwealth at the moment. The platform itself is absolutely fine. And the way I see the Netwealth platform, essentially, think of it like your car. It is just a vehicle. That's where the funds are going into, but what really makes your super fund work is the underlying investment. And Net Wealth is essentially just a vehicle to hold those funds so you can invest the money. In the because we had moved out, the investment committee had made the change and removed the Bana Lung Australian Equities out of your fund. They'd actually replaced that with the BetaShares a 200. One of the cool things about the swap of this investment is that Bana Lung, it it was meant to be more of an actively managed fund. So the investment manager was meant to be buying and selling investments in a way that was, you know, trying to time the market. They were trying to outperform against the market as a whole to get those greater returns. Unfortunately, they haven't been able to do that. They've had a rough couple of years since COVID as well. So we've removed that out of there. Within that along, he generally held it's it was an Australian equity, so it was essentially tracking Australian equities, and they held anywhere between 15 to 25 different investments. With the beta shares a 200, we're actually tracking the top 200 companies on the ASX. So it actually can see greater diversification. So instead of tracking, you know, 15 to 25 different Australian companies, you're actually attracting 200. So it gives you greater diversification. Diversification helps to mitigate all lower risk levels, which is really important. And this data shows a 200 investment is actually cheaper. Holding passively most investments that are in the market, tracking the market, and following an index essentially does make your investment fees cheaper because you're not paying higher fees for an investment investment manager to try and outperform against the market. Does that make sense? Yeah. So we have got the beta shares a 200 in there for you. Essentially, with that, you've got about 33% of your portfolio there at the moment. We wanna hold about 36, so we're gonna buy a little bit of that. So in the buy sell column, you've got the green and the red. I try to sort of color code those for you. The green means we're gonna purchase some more of that investment. The red means we're gonna sell some of that investment off. Okay? We've also got cybersecurity. It has been a really great place to be invested. You are a little bit overexposed in there at the moment, so cybersecurity has had a little bit of a hit this year. It is a great investment to be. With everything being online and the amount of hacks and things that we've seen in the media, cybersecurity is still a very big area and will be a growing area. We do more and more online. We do more and more less face to face, and it's important to make sure we're protecting our data and our information as much as possible. So at the moment, you have about 5.68% in there. We only wanna hold about 4%, so we are gonna sell a little over $2,000 of that investment and bring you back rebalance you back a little bit there. Okay? We've also got some physical gold. Physical gold has been at its thirty year high essentially over the last few months. It is really, really good. I know I love a bit of physical gold as an investment, but also I love to wear it. It is at the moment, you have about 7% of your portfolio. We wanna hold it at 10%. Physical gold is a growth investment, so it does see really good growth. However, it also acts offensively, so we use it as a bit of an alternative. If you think back to times like COVID or the GFC when, say, equity markets weren't doing so well, people use gold as a bit of a safe haven. So it kind of is a growth asset in your portfolio, but it acts defensively as well. And that's kind of important to have investments that can act in more than one way. It helps to lower risk of your portfolio. Does that make sense? Yep. Beautiful. You currently hold about 7%, 7.76% there. We wanna increase that to 10%. So we're gonna buy a little bit more physical gold, and it's not a bad time to buy because it is down a little bit at the moment as well. We've got some European ETFs there. Essentially, with Europe, this investment is giving you exposure to the 16 European countries, and it's giving you access to already established markets that are also up and coming. So it's important to have a lot of diversification and building on that. Europe is a a really good area at the moment to be invested, and giving you global diversification is important for reducing the risk of your portfolio. So you've got about 5.33% there at the moment. We only wanna hold 5%. So they're gonna sell a little bit of that off, just over $500 there, and bring you back a little bit. And you've also got the European ETF in there. We wanna hold that 4%. You're a little bit overexposed in that one. So, again, we're gonna sell some of that off. Japan is another really great place to be invested. You've currently got about 4% there, 4.45%, selling off about $700 set to bring you back down a little bit to 4%. And the S and P 500 is giving you access and exposure to the top 500 companies on The US market. Again, the same as with the a 200, it's tracking the top 500 companies, so you are diversifying. And as much as a lot of people are nervous about The US with what's happening between The US and Iran and what occurred this year, it is still a really great price to be invested long term. When you look at the last thirty years of investing, essentially, The US and international equities provide greater returns than Australian equities, and we tend to follow suit. So whatever happens in The US happens here as well. We feel that because our market follows theirs. You currently have about 26%, point 29% in there, and we're going to just bring you back down to 25%. And then you've got the Vanguard Australian fixed interest ETF. So, essentially, with your portfolio here, we wanna make sure you do have some lower risk defensive investments. You are in a growth portfolio, and that was where your comfort level was. So a growth portfolio sees 80% in those higher growth assets like Australian shares, international shares, listed property, and commodities like a better gold in your portfolio. But then having about 20% in low risk defensive investments like fixed interest and cash and bonds, and that's where this incorporate this Vanguard fixed interest ETF comes in. So keeping that in there for you, we wanna buy a little bit more of that. You're at about 9.39 at the moment, just bringing you up to 10%. So, essentially, just making sure that we increase that exposure a little bit for you. And that's essentially where you see the changes in your portfolio. I've not wanted to move you out of Netwealth because just like you do a tax return every year, your super fund also does a tax return. And, essentially, any changes we make within the portfolio, we need to understand the tax consequences for your super fund. Whenever we buy and sell investments or make changes with investments, your super fund pays capital gains tax. I had a look at the full sell down on your portfolio and what that might look like. The capital gains was much higher. So to keep you in net worth for a bit longer, the platform itself is absolutely fine and has no problems. And just making these changes to rebalance your portfolio back helps to sort of make sure you're not over or underweighted in any any particular investment. Keep that diversification and keep you inside that growth asset allocation, making sure we're diversifying, and also help to reduce the tax consequences. If you go down to page 20 for me, I can show you the estimated CDT. Sorry. Sorry. So this is the peak comparison table, and you'll see in the differences column there, by making these changes and just bringing the weighting back on your portfolio, the c d your super fund would have to pay is about $264. So very minimal CDP consequences. Keeps you well diversified. We're just rebalancing the portfolio for you and making sure that you your portfolio doesn't have to make that money back too crazy. Okay? Perfect. Do you have any questions so far? You're welcome to let me know if you do. All good? All good. So with the fee comparison table here, you'll essentially see the current and the recommended. Now your current balance is at a $161,009.83 after making the change in the investments, which we estimate you should have about a $161,719. That's minus the $2.64 for the CGT. By keeping net wealth, there's no change to the administration fees. However, we do note that the investment fees by rebalancing are reduced, and you save about $25 on investment fees. Any kind of saving in fees is a positive thing. It means that money stays invested for you working harder. Okay? By rebalancing there a little bit, obviously, your balance is just slightly lower. It does also reduce how ongoing service fee for the year. It saves you about $31, and your contributions continue to go in as they are currently, and your insurance premiums there as well. Now you will note there is a difference in those. That's because we're looking at income protection, so it does mean the insurance premiums are gonna increase. But we've tried to minimize that as much as possible for you, and I'll take you through that shortly. Okay? Underneath that, you've got essentially how the portfolio has been performing. So when we look at historical data, we know over the past five years, this portfolio has been averaging about 11.52%, and the bottom table is your projected outcomes. Factoring in the current versus the recommended over the next five to years, if the portfolio can obtain the 11.52%, you can sort of see where you're projected to be. Now you'll notice that that is a negative figure, and that is because of the insurance premium. So because we are looking to get income protection as well, it increases the insurance premium, and the insurance premiums coming out of your super do have a negative impact. It does mean that you end up, you know, with a little bit less, But we've tried to limit that as much as possible. But you can sort of see over the next ten years by making the change, we still estimate you should be able to get about 352,401 if the portfolio works the way it has. And we can do other things. We can build on that. We can reduce the insurances as we need to. We can also look at additional contributions to keep building on that for you. Okay? Beautiful. Does that make sense so far? Do you have any questions? No? Beautiful. If you go down for me to page number 23, this is the insurance side of things. Now at the moment, you do have your nearest life and TBD policy there. Your current sum insured is 327,302. These are paid out of your super funds, and the current cost of those for this year, essentially, was $2,481.30. That was how much paid out of the super fund. We get a bit of a 15% discount. So you know how taxation when contributions go into super, they're taxed at 15%? Yep. So how it works with insurance premiums is when the money is rolled out of your super fund to Neos, it actually doesn't leave the super system, and they give you a 15% discount. It's sort of how the rebate works from their end. So they actually received the $2,919.18, but you get a 15% discount on the premium paid out of super. So you've only paid the $2.04 $8.01 30, which is good to know. It'd be great if we got those private discounts all the time, but that's essentially just the how the super system works. Okay? So we are just gonna retain your life and TPD at the moment. You have made mention to me you were comfortable with that level of cover. We will keep reviewing that for you Every year as the policy goes through renewal, as you get older, the risk of you making a claim increases. So these policies do get more and more expensive. So I wanna make sure we review them with you, look at the level of cover you have, look at how much you're paying for these, and make sure we can reduce them back when we need to so that you're not it's not eating away all of your super. That's one of the biggest risk factors with insurances inside super is because the premiums get more expensive, it has a greater effect on your super long term, and we wanna kind of try to reduce that as much as we possibly can whilst making sure you've got that level of cover to protect you in the event that something was to happen. Okay? Excellent. And so keeping the life and TPD in place as near. There's no changes to those, but we'll keep reviewing those moving down. If you can go to page 27 for me, this is essentially looking at your income protection. So the one of the things that we talked about was that you are single, you've got a young daughter, and you work really hard. But what happens in the event that you're unable to go to work due to illness or injury, and you wanted to have just a level of cover to protect you in that event? We are looking at a ninety day waiting period and a five year benefit period, so it does mean you have to be off work for ninety days prior to making a claim. And, essentially, you can be on a claim for up to five years. That was sort of the level you were comfortable with at the moment, and this is the best way to make it as cheap as possible, but still providing you with a level of benefit that you can use in the event of making a claim. I we did that pre assessment as well. And because you do have that secondary occupation, I essentially went back and did a blind pre assessment with all the insurers, including Neos. Neos actually came back as the most expensive. They said they were going to essentially look at you as a a support services support worker, and that's actually a higher rated because those people who work after aged care, disability workers, things like that, they are actually at high risk of getting injured. So insurance companies see that as a very high risk occupation. So Neos was actually gonna be charging close to about $5 for the year for the insurance premiums, and I wasn't happy with that. I did not want you to be eating away your super at a faster level. So I went back and had a look at all the other insurers. The insurer we've gone with is Zurich, so it means you'll have two different insurers for your insurance policy. However, I will keep looking after that with you, and we'll make sure we review that. If you ever had to make a claim, we have to facilitate that for you to make it easier. Okay? Mhmm. Mhmm. Yep. Yep. Unfortunately, no. No. They when we went when we because we were looking at that initially, we only have you made occupation. When we did the pre assessment, you made mention you have that secondary job as well. And that was kind of the thing that pushed them up, and NeoSoft will know because of how often you do that. It's it's done every week for the amount of time you do. They were like, no. We're gonna go with the higher risk occupation, which is, in my opinion, not fair. When I spoke to Zurich, they said that they would still, assess you as a administration worker, which is the best occupation rating we can get, and they're just going to exclude the secondary occupation. So it means that you can't claim the income protections for your secondary job. However, it covers you for your main occupation, which essentially is your main source of income. And if anything happens and you can't go to work and do your main role, being an admin worker, there's gonna be something really seriously wrong with you. So it is really important to cover that. And the premiums came out much cheaper. So on ninety days waiting with a five year benefit period, the total premium they would charge for the first year estimated at 1,146 and 65¢, and out of your super comes $9.74 and 65¢. So it is a really good price occupation rating and gives you that level of cover at 70% of your main occupation, and it's just for that five ninety day waiting and five year benefit period. Okay? In the you're right. Sorry. You're right. It means that you're still you're not able to claim on the income protection just solely for your second job. But say if you broke your back and you couldn't do, you know, your second job every weekend and you went you still couldn't do your main occupation, you can still claim. It's just based on your main occupation to say you broke your back and you were bedridden for, you know, that ninety days, and you couldn't even work it. I mean, I personally if I'm hurt my back doing admin work laying down or it still hurts. So things like that are still gonna be claimable, but it just means you need to not be able to go to your main occupation. And, realistically, if you hurt yourself in a way that you can't do your secondary job, realistically, you're probably gonna be off from your main occupation as well as an admin worker. I think insurers insurance assume admin workers are, you know, the the safest occupation because something has to be really, really wrong. But, I mean, I'm an acting worker. I sit at a desk most of my day and things like that. And in all honesty, when I have a bad back or sciatica pain, it really hurts. I have to stand up and sit down and move around, and it makes things really, really hard on me too. So there's actually quite a lot of things that could go wrong that stop you from doing both of your jobs, not just the secondary occupation. Yeah. Yeah. In the appendices, which is attached to that docu the OdoSign there as a it's an attachment on your main email. I've also got the comparison in there for the different insurers on with the alternatives that I considered. So I also looked at a thirty day waiting period and a two year benefit period. That essentially means that you just have to be off work for thirty days prior to making a claim, and the two year benefit period means the claim stops at two years. Sorry. Zurich is still paying out the cheapest fare. It's the thirty day waiting period is making the policies more expensive, but it is more expensive than essentially what we had recommended. And I also looked at an alternative of a ninety day wait and a two year benefit. Zurich, again, came out the best option. It does reduce the premium to about $732, so it is cheaper than what was recommended. But my main reason for recommending a five year benefit period is that more well, ninety percent of claims are finished within that first two years. There is a risk of being on a partial claim, especially in your main occupation where you could work one, two, or three days a week and still be getting some of that income protection policy as a buffer. And those sorts of claims can start from one to two year to three years onwards. So having that five year benefit period just reduces the risk level a little bit more for you. Does that make sense? Yeah. Yeah. Beautiful. That so that's essentially the recommendation with the insurances there. And all up, as per that projection table, we do estimate with the first year's premium, the total deducted from Super is $3,456. That's the Zurich policy as well as the nearest life and TV that you do currently already hold. Okay. Yeah. Beautiful. Underneath that page, if you go down, you'll see we've also got the free assessment results there, and it just notes that for the income protection, the secondary occupation would be excluded. In order to have this policy placed in force, we do need to do an application. So if you're happy to take your recommendations, my team will book you in for an application with my colleague, Jack. Or if you prefer to speak to one of those girls, I can organize it with Sammy, my admin worker. She's beautiful. And they just go through an in-depth application with you to apply for the cover the same as you would have gone through for Neos. That application goes through the underwriting. We kinda went to the pre assessment. There was nothing that came out that flagged, but any changes to your health, if there's anything that flags that could be of a higher risk, then there is the risk of them having exclusions or loadings applied to the policy. But, I mean, we did the the pre assessment. You're pretty healthy. It's just that secondary occupation that flagged for us. And Zurich have already confirmed that they'll just exclude that occupation from your income protection policy. Okay. 28, if you go to 29, at the bottom here, you've got the projection table there with your current and recommended, but it also shows you the difference. The projection, if you did not pay insurance to that. So you can see that column? Yeah. So it just sort of shows you and because we kind of know that insurance premiums do get more expensive over time and they do have an effect on your super, We wanna try and limit that effect as much as possible, but this shows you the same. The projection table above with your current the recommended, but then if you did not pay any insurances inside the super fund, where you could end up over the next sort of five to ten years. So looking at that, it's not a huge difference. It's only a minor difference, really, to give you a level of cover to protect you. It works out to be over ten years, about $51,000, but it could definitely be worse. Okay? It's one of those things. It's a bit of a juggling act. We know it's gonna have an impact on super because they're paying for those premiums, but at the same time, having that level of protection or insurance to cover up in the event that something happens is really important. And trying to limit that as much as possible, and also making sure I mean, the biggest risk we have with insurance is is that we pay the premiums. We get to the time that we have a lovely sick balance, and we haven't claimed on any of the insurances, and we end up just canceling them or they just, you know, expire. So that's ultimately the biggest risk with having insurance policy. Yeah. Do you have have any questions at the moment at all? Yeah. Yep. Yeah. So, normally, by the time by the time we turn 60 or 65, depending on our comfort level, we don't normally need to have that income protection anymore. Because under the current legislation, at the age of 60, if you're unable to work or if you retire, you get access to your super fully. So, realistically, if you get to 60 in ten years' time and, you know, you've still got that income protection, you still wanna work longer, but if you hurt yourself, realistically, we could cancel that cover because if you're unable to go to work, we just sign the declaration to say you're not working anymore, and you get access to your super benefit wholly, and it's all tax free. Yeah. Yeah. Yep. Beautiful. All good. Under each of those pages, I'll give you time to go back and read them. I know this is quite a lot. So feel free to read to the recommendations, the advantages, the disadvantages, the risks involved, and the interest duty there as well. Okay? If you go down to page number 35 for me, this is the recommendations around the estate planning side of things, the beneficiary nominations. Perfect. So we sort of talked about what was important to you. And in the event of something happening, that you wanted all of your senior and life insurance to be paid to your daughter. Now she's a minor, so she's under the age of 18. And one of the biggest things I do like to make mention is that while children our our children are beneficiaries under the SIS Act and under the Tax Act, which means that in the event of a claim, the amount is paid directly completely tax free. However, it doesn't go to her directly. If you were to pass away, the money has to be dealt with by an adult, so it would be her guardian. And my biggest thing with the way this system works is that the guardian then has to make the decision for the child on whether it's taken as a lump sum or a pension payment, and that's taken out of your hands, unfortunately. So I'm recommending that we update the beneficiary nomination to the legal personal representative. That means that in the event of you passing, the money is paid direct to your estate. You can then have a will drawn up by a solicitor, have it set up as a a trust, and then in that trust, you have a lot more control. You can nominate who's gonna be the executor of that trust, how whether money is held until she's 18 or whether a regular pension is or income stream is, you know, given to her over time. You have a lot more control on how that money is dealt with in the event of you passing. And that essentially means that the money is more likely to get to your 10 year old daughter rather than just being drawn out as a full lump sum by the guardian, and then there's no control over what happens to that money. Unfortunately, I've seen it way too many times where the guardian's drawn the money out. It's being spent wasted. It hasn't gotten to the child, hasn't done what the the person nominate the person who passed away really intended, and it does make it very, very difficult and can, you know, lead to a lot of dramas. And and then with my will, to give you a bit of an example, I've been married twice. So with my estate planning side of things, my two eldest children were to my ex husband, and he was terrible with money. He could not hold a dollar in his hand less than a week. So I set it up that all of my funds would go into my will the same way with legal personal representative. And then I set up with my sister, and my new husband's sister were joint executives and trustees. That essentially meant that because under the law, my daughters would go back to my ex husband if I was to pass away, he would not get access to any funds unless he asked my sister, my sister-in-law, for money and declared the reason he needed it. So it meant that that money was gonna be used for my children's education, and it wasn't gonna be all wasted in one place. And because I have a a third child to my my second husband, I didn't want them to be disadvantaged. I wanted all three of my kids to be looked after. So it just gives you a lot more control. It is a little bit more expensive to do it that way to have a will drawn up, but you've worked so hard. And you've got this beautiful little girl, and you wanna make sure that everything is looked after and that everything is, you know, directed where you want it to go. So having your will drawn up correctly only gives you that little bit of extra protection for you and your daughter. Yeah. Yeah. Yeah. Yes. Yes. So because your sister unfortunately, when we look at the beneficiary system for Super, there's two forms of legislation that we have to abide by to have a valid nomination. The first is the CISAT, which notes that a beneficiary can be a child of any age, a spouse, an interdependent relationship with someone who lives with us, who relies on us financially, and anyone with an interdependent relationship. So exactly the same thing. They just have two birds for it. Essentially, under that, your child, whether they're over 18 or 18, fully fit that criteria. Your system, unfortunately, doesn't. But then in order once the beneficiary is set up and to have it paid down, it then also has to meet the tax act. And that means that beneficiaries who are valid receive the benefit fully tax free if they are your current spouse, a child under the age of 18, or a child 21 if they're fully financially dependent on you, or, again, whether it's a dependent or financial relationship. And any children over the age of 18, unfortunately, have to pay tax. Tax can be up with a 17% on the benefit. So having it paid to your sister through your will, again, gives you more control. You can have a trust set up. You can direct what you want done with the funds, how you want it paid to your daughter, how you want her to look after your daughter. And it just means that you get a lot more control around that as well. So doing it this way is absolutely the best way for you. Yeah. Yeah. Your daughter? Yeah. She is. Yeah. Yeah. Yep. And my team can pre fill the document for you and have that sent out, so you just have to tick the box. And I can send you an email with some information on a local solicitor that we can use, but also I can grab, like, the each state has, like, a government trustee that can set up wills very cheaply for you. They can be done over the phone or at your local office. And I can get you that information as well if you like to make it easier on you. Yeah. No. For your daughter, no. So we'll change the beneficiary fee legal personal representative and direct the funds through to your to your will. Yeah. It will be important that once the beneficiary is updated that a will is done Because if we nominate legal personal representative and you still haven't got a will done and you passed away, then everything is paid to your estate, and it all goes through probate. And that's a pretty horrible process. It's basically where it goes to the court system. So, yeah, just making sure your will is drawn up. We can hold off on changing the beneficiaries until your will is in place. That's not a problem at all. Yeah. Yep. That's that's okay. Well, I'll do that research. You'll probably, on Monday, ask me to, like, get that through to you, but I'll do a bit of research on the local trustee for you. And I can I'll see if I can get the email over the weekend to make it easier. But I'll send you an email which outlines some information on the local solicitor that we use and the costing that we can refer you through to, but also your local trustee's office so you can have a bit of a look at that and kind of work out which option is better for yourself. Okay. Yep. All good. Yeah. Yeah. Absolutely. Absolutely. And you can sort of have a think about what's gonna be right for you and how how you wanna set up. And, yeah, have a chat to your brother. It's always worth having a chat with people who have recently set up a will, what they thought of the person that did it, how they went through it, what they were asked. It kinda gives you an idea of what you're sort of walking into because every solicitor lawyer, everyone does them differently. And, yeah, it's just what's right for you at the end of the day. It's one of the hardest things we have to sort of think about, but it is definitely one of those things that's worth thinking about and protecting everything. You've worked way too hard to let it all kinda just hope for the best. Yeah. Yeah. Oh, good. And underneath that, I've got, obviously, setting up a will and a power of attorney because that, again, is just really important to make sure that is all considered as well. But feel free to have a read through the document, read through the sections. If you find you have questions, you can let me know. It's no issue at all. The only thing I do have to let you know is with the insurances, with setting up the Zurich insurances there, we do receive remuneration from the insurer for doing this application once it's in place. We receive 66% of the first year's premium and 22% there ongoing. That is standardized across the board. It is the same for every insurance company. So whether we have it applied for the cover through Neos or with Zurich, essentially, it's the same 66% of the first year's premium. The main difference is I've tried to make the insurances as cheap as possible for you. So lowered that cost as much as possible. It's not paid by you in any way, shape, or form. It is paid by the insurer to us. So we just wanna disclose that and make sure you're fully aware of it. We do also receive 22% of the current premium that you are paying to Neos as well, and they just pay that to us every year. And then also with the ongoing service fee, you do pay us 1.65%. That just continues. It's already on the super. Your and and your review, technically, is due around about September. So when that is due, my team will book you in, and you and I can have a bit of a catch up and see how things are going and make sure you're happy to stay on board for a year. If you need new advice, we'll do that for you as well. Just making sure that we're keeping up to date with everything and, you know, making sure that, you know, everything is working harder for you and that we're working towards your goals. Because everything I do has to be in your best interest. And if the advice needs to change or is no longer in your best interest, then I have an obligation to make sure that is changed. And I wanna make sure the advice changes and evolves with you as well. Okay? Yeah. That's okay. It's it's probably a lot. You probably need a bit of time to digest. It absolutely is. But we'll take some time. Maybe, you know, you have the day. You've got the day off. I sort of suggest that people go and maybe just have a cup of tea, let it digest for a second, then come back and have a really good read of the document. And if any questions come up, there is no such thing as a silly question. You send it to me, let me know, and I will reply and make sure we take time to answer those questions for you. If you're happy to take the advice, we just get you to sign and return the document back to us, and then team will have it implemented. And if there's any section of the advice you do not wish to proceed with, on the very last page, you do have a text box. You can just write in there with what you don't wanna proceed with. And if you do, like, a little bit of reading on there, I've also got the PDF documents for for your super funds for Netwealth. I've got it for Zurich, for Neos. I've also got the quote attached for you, and I've also got our financial services guide and all the bits and pieces. So depending on how much reading you're interested in, those documents are all attached for you as well as the appendices. Yeah. No. Understandable. It's a bit it can be a little bit small. So yeah. Okay. That's it. Yeah. You enjoy the rest of your day. Yeah. So once once you sign and return that back, my lovely team will give you a call. They'll book you in to go through your insurance application with you. They'll do it at a time that suits you, so it can be any day. And then we'll submit the application to Zurich. It'll go through the underwriting process. So if there is medical things that come out that we weren't aware of beforehand, they may request doctor's reports. But as I said, we did your pre assessment. Nothing really flagged that was gonna be an issue so far. And if if it's, you know, a clean what we call clean skin, if there's no issues, often it goes into force really quickly. And then the insurance premium is just deducted out of your super fund at as soon as the policy is placed in force. And we confirm at every step what's happening with that policy. Okay. That's okay. Oh, that's okay. It's really important as I was sitting there with Sammy because I sit basically next to her. And when you called back in, and she was saying, oh, Friday. And I was like, yes. Do it. It's done. I don't I do not mind in any way, shape, or form. I would rather take the time to take you through it when you're available than to be rushing through it in your lunch break or when you're at work and sort of stress stressing about things. So I don't mind in any way, shape, or form. I love what I do. As you can half turn, I'm a crazy super insurance lady, and it's about making sure that everything's working for you. So I will always take calls. Know, if someone needs me on a Friday, I'll make time for it. It's not a problem at all. Okay? Yeah. That's alright. My pleasure. Yep. Yeah. Fantastic. No. So the the advice is that was for sixty days from the date on the document there. However, if you need longer than that, I'll just reconfirm your circumstances. It's not a problem at all. Okay. Yeah. Yeah. No worries. My pleasure. No worries. You have a lovely day, and have a great weekend. Thank you, Natalie. I'll talk to you soon. See you later. 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Natalie. It's Dana from Motee Financial. How are you today? That I'm very well. Thank you.\n\nI had you booked in just to go through your updated statement of advice. Is that still a good time there for you? Fantastic. How's your morning been thus far? Oh, that's Oh, that's good.\n\nNice three day weekend for you. All good. Now before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic.\n\nAnd just to do a quick security check, sir, with you, just can you confirm your full name, your date of birth, and address I should have on file? Yep. Yep. Yep. Beautiful.\n\nThank you so much for that. Now I am just sending through the statement of advice and supplementary material through to you via email. Are you able to jump into your email, sir, at the moment? Or if you can't, that's okay. No.\n\nThis is the statement of advice to run through the recommendations with you. It should be a new email coming through any moment, if not already. Yeah. That's okay. It should come from Odoo sign, and it might have even come from my email.\n\nSo dana@otfinancial. Yeah. Beautiful. Yes. If you click on the button now I am really clear.\n\nIt does not make you sign anything until you've gone through it. You can do have the option of going back out before signing it and rereading it. I am a big advocate for reading things before you do sign it. So what I'll do is I'll take you through the advice. We'll focus on the pages that are important to you so I can basically explain what what I need to go through with you, and then you get to take that back and have a really good read of the document there as well.\n\nOkay? Beautiful. On the front page of that one, it'll say statement of advice prepared for yourself as of the 07/01/2026. Our advice is valid for sixty days from the date on the document there. And on the bottom there, my licensing number for you as well.\n\nSo I'm a registered financial adviser with ASIC, and my license number is 1304394. Okay? Yeah. Before the next couple of pages, we outline the best interest duty. So just making sure that any advice we do provide is in your best interest.\n\nOn all the pages as we with the recommendations, we actually do have a best interest duty statement, which realigns the advice back to your goals, and it outlines why the advice provided is in your best interest. Okay? On pages three and four and five, we have the scoping in and scoping out areas. So these are areas of where we are and are not providing advice with this document. We're looking at superannuation for you.\n\nWe've got insurances in there. You wanted to try and get some income protection. So I've had a really good look at how to do that to make it a cost effective for you, but also give you that level of protection in the stressing the estate planning side of things. So you mentioned you don't have a will or power of attorney, and your beneficiary is nominated to your daughter who, I believe, is about 10,000,011 years of age. Yeah.\n\nSo I have looked at the best way to make sure that nomination is in place so that she gets the money, because there are some there are some interesting rules around beneficiaries and how they are paid especially to minor children. Okay? The areas that we're scoping out from page five on, we've got not looking at debt reduction. So you do wanna have your mortgage paid down as quickly as possible. We're not scoping that in right now.\n\nIf you do want additional advice in that area, let us know. We can also refer you through to a mortgage broker who can reassess essentially your home loan, the rates you are paying, and look at ways to help you pay that down quicker as well. Okay? Excellent. To make things easier, I'll get you to go forward for me, and we're gonna head down to page number 17.\n\nSo this is essentially the recommendations in a bit of a nutshell. Beautiful. Now if you find you have questions through any of this, let me know. I do tend to just kind of get in my group and go. But you just tell me to stop, ask any questions, or pull me back if you need to.\n\nOkay? All good. Now the heading on this page should be investment recommended superannuation. Can you see that page there at all? Yep.\n\nBeautiful. So one of the things we looked at was your superannuation. Obviously, your balance is growing, and you're working really hard to build that. However, we wanted to just make sure that you were invested correctly. One of the things we discussed when we first had that conversation a few months back was that you had been a long Australian equities in there, and that was underperforming a little bit.\n\nSince we had that first conversation, our investment committee has gone in and removed that from everyone's portfolio. So you actually don't have that investment anymore. But I still wanted to check the investments that you do now have and make sure that, you know, if there's a rebalance or if there was something that needed to be replaced, that we do do that. I think one of the important things to note that investments do need to change over time. Investments that you were recommended initially or several years ago might not be appropriate now.\n\nAnd with the investments you have now, we need to keep reviewing because they may need to be changed or altered down the track there as well for you. Okay? I had a look at net wealth as a super fund as well as all the other funds out there to see whether or not we should move out of Netwealth or not. I am recommending that you do retain Netwealth at the moment. The platform itself is absolutely fine.\n\nAnd the way I see the Netwealth platform, essentially, think of it like your car. It is just a vehicle. That's where the funds are going into, but what really makes your super fund work is the underlying investment. And Net Wealth is essentially just a vehicle to hold those funds so you can invest the money. In the because we had moved out, the investment committee had made the change and removed the Bana Lung Australian Equities out of your fund.\n\nThey'd actually replaced that with the BetaShares a 200. One of the cool things about the swap of this investment is that Bana Lung, it it was meant to be more of an actively managed fund. So the investment manager was meant to be buying and selling investments in a way that was, you know, trying to time the market. They were trying to outperform against the market as a whole to get those greater returns. Unfortunately, they haven't been able to do that.\n\nThey've had a rough couple of years since COVID as well. So we've removed that out of there. Within that along, he generally held it's it was an Australian equity, so it was essentially tracking Australian equities, and they held anywhere between 15 to 25 different investments. With the beta shares a 200, we're actually tracking the top 200 companies on the ASX. So it actually can see greater diversification.\n\nSo instead of tracking, you know, 15 to 25 different Australian companies, you're actually attracting 200. So it gives you greater diversification. Diversification helps to mitigate all lower risk levels, which is really important. And this data shows a 200 investment is actually cheaper. Holding passively most investments that are in the market, tracking the market, and following an index essentially does make your investment fees cheaper because you're not paying higher fees for an investment investment manager to try and outperform against the market.\n\nDoes that make sense? Yeah. So we have got the beta shares a 200 in there for you. Essentially, with that, you've got about 33% of your portfolio there at the moment. We wanna hold about 36, so we're gonna buy a little bit of that.\n\nSo in the buy sell column, you've got the green and the red. I try to sort of color code those for you. The green means we're gonna purchase some more of that investment. The red means we're gonna sell some of that investment off. Okay?\n\nWe've also got cybersecurity. It has been a really great place to be invested. You are a little bit overexposed in there at the moment, so cybersecurity has had a little bit of a hit this year. It is a great investment to be. With everything being online and the amount of hacks and things that we've seen in the media, cybersecurity is still a very big area and will be a growing area.\n\nWe do more and more online. We do more and more less face to face, and it's important to make sure we're protecting our data and our information as much as possible. So at the moment, you have about 5.68% in there. We only wanna hold about 4%, so we are gonna sell a little over $2,000 of that investment and bring you back rebalance you back a little bit there. Okay?\n\nWe've also got some physical gold. Physical gold has been at its thirty year high essentially over the last few months. It is really, really good. I know I love a bit of physical gold as an investment, but also I love to wear it. It is at the moment, you have about 7% of your portfolio.\n\nWe wanna hold it at 10%. Physical gold is a growth investment, so it does see really good growth. However, it also acts offensively, so we use it as a bit of an alternative. If you think back to times like COVID or the GFC when, say, equity markets weren't doing so well, people use gold as a bit of a safe haven. So it kind of is a growth asset in your portfolio, but it acts defensively as well.\n\nAnd that's kind of important to have investments that can act in more than one way. It helps to lower risk of your portfolio. Does that make sense? Yep. Beautiful.\n\nYou currently hold about 7%, 7.76% there. We wanna increase that to 10%. So we're gonna buy a little bit more physical gold, and it's not a bad time to buy because it is down a little bit at the moment as well. We've got some European ETFs there. Essentially, with Europe, this investment is giving you exposure to the 16 European countries, and it's giving you access to already established markets that are also up and coming.\n\nSo it's important to have a lot of diversification and building on that. Europe is a a really good area at the moment to be invested, and giving you global diversification is important for reducing the risk of your portfolio. So you've got about 5.33% there at the moment. We only wanna hold 5%. So they're gonna sell a little bit of that off, just over $500 there, and bring you back a little bit.\n\nAnd you've also got the European ETF in there. We wanna hold that 4%. You're a little bit overexposed in that one. So, again, we're gonna sell some of that off. Japan is another really great place to be invested.\n\nYou've currently got about 4% there, 4.45%, selling off about $700 set to bring you back down a little bit to 4%. And the S and P 500 is giving you access and exposure to the top 500 companies on The US market. Again, the same as with the a 200, it's tracking the top 500 companies, so you are diversifying. And as much as a lot of people are nervous about The US with what's happening between The US and Iran and what occurred this year, it is still a really great price to be invested long term. When you look at the last thirty years of investing, essentially, The US and international equities provide greater returns than Australian equities, and we tend to follow suit.\n\nSo whatever happens in The US happens here as well. We feel that because our market follows theirs. You currently have about 26%, point 29% in there, and we're going to just bring you back down to 25%. And then you've got the Vanguard Australian fixed interest ETF. So, essentially, with your portfolio here, we wanna make sure you do have some lower risk defensive investments.\n\nYou are in a growth portfolio, and that was where your comfort level was. So a growth portfolio sees 80% in those higher growth assets like Australian shares, international shares, listed property, and commodities like a better gold in your portfolio. But then having about 20% in low risk defensive investments like fixed interest and cash and bonds, and that's where this incorporate this Vanguard fixed interest ETF comes in. So keeping that in there for you, we wanna buy a little bit more of that. You're at about 9.39 at the moment, just bringing you up to 10%.\n\nSo, essentially, just making sure that we increase that exposure a little bit for you. And that's essentially where you see the changes in your portfolio. I've not wanted to move you out of Netwealth because just like you do a tax return every year, your super fund also does a tax return. And, essentially, any changes we make within the portfolio, we need to understand the tax consequences for your super fund. Whenever we buy and sell investments or make changes with investments, your super fund pays capital gains tax.\n\nI had a look at the full sell down on your portfolio and what that might look like. The capital gains was much higher. So to keep you in net worth for a bit longer, the platform itself is absolutely fine and has no problems. And just making these changes to rebalance your portfolio back helps to sort of make sure you're not over or underweighted in any any particular investment. Keep that diversification and keep you inside that growth asset allocation, making sure we're diversifying, and also help to reduce the tax consequences.\n\nIf you go down to page 20 for me, I can show you the estimated CDT. Sorry. Sorry. So this is the peak comparison table, and you'll see in the differences column there, by making these changes and just bringing the weighting back on your portfolio, the c d your super fund would have to pay is about $264. So very minimal CDP consequences.\n\nKeeps you well diversified. We're just rebalancing the portfolio for you and making sure that you your portfolio doesn't have to make that money back too crazy. Okay? Perfect. Do you have any questions so far?\n\nYou're welcome to let me know if you do. All good? All good. So with the fee comparison table here, you'll essentially see the current and the recommended. Now your current balance is at a $161,009.83 after making the change in the investments, which we estimate you should have about a $161,719.\n\nThat's minus the $2.64 for the CGT. By keeping net wealth, there's no change to the administration fees. However, we do note that the investment fees by rebalancing are reduced, and you save about $25 on investment fees. Any kind of saving in fees is a positive thing. It means that money stays invested for you working harder.\n\nOkay? By rebalancing there a little bit, obviously, your balance is just slightly lower. It does also reduce how ongoing service fee for the year. It saves you about $31, and your contributions continue to go in as they are currently, and your insurance premiums there as well. Now you will note there is a difference in those.\n\nThat's because we're looking at income protection, so it does mean the insurance premiums are gonna increase. But we've tried to minimize that as much as possible for you, and I'll take you through that shortly. Okay? Underneath that, you've got essentially how the portfolio has been performing. So when we look at historical data, we know over the past five years, this portfolio has been averaging about 11.52%, and the bottom table is your projected outcomes.\n\nFactoring in the current versus the recommended over the next five to years, if the portfolio can obtain the 11.52%, you can sort of see where you're projected to be. Now you'll notice that that is a negative figure, and that is because of the insurance premium. So because we are looking to get income protection as well, it increases the insurance premium, and the insurance premiums coming out of your super do have a negative impact. It does mean that you end up, you know, with a little bit less, But we've tried to limit that as much as possible. But you can sort of see over the next ten years by making the change, we still estimate you should be able to get about 352,401 if the portfolio works the way it has.\n\nAnd we can do other things. We can build on that. We can reduce the insurances as we need to. We can also look at additional contributions to keep building on that for you. Okay?\n\nBeautiful. Does that make sense so far? Do you have any questions? No? Beautiful.\n\nIf you go down for me to page number 23, this is the insurance side of things. Now at the moment, you do have your nearest life and TBD policy there. Your current sum insured is 327,302. These are paid out of your super funds, and the current cost of those for this year, essentially, was $2,481.30. That was how much paid out of the super fund.\n\nWe get a bit of a 15% discount. So you know how taxation when contributions go into super, they're taxed at 15%? Yep. So how it works with insurance premiums is when the money is rolled out of your super fund to Neos, it actually doesn't leave the super system, and they give you a 15% discount. It's sort of how the rebate works from their end.\n\nSo they actually received the $2,919.18, but you get a 15% discount on the premium paid out of super. So you've only paid the $2.04 $8.01 30, which is good to know. It'd be great if we got those private discounts all the time, but that's essentially just the how the super system works. Okay? So we are just gonna retain your life and TPD at the moment.\n\nYou have made mention to me you were comfortable with that level of cover. We will keep reviewing that for you Every year as the policy goes through renewal, as you get older, the risk of you making a claim increases. So these policies do get more and more expensive. So I wanna make sure we review them with you, look at the level of cover you have, look at how much you're paying for these, and make sure we can reduce them back when we need to so that you're not it's not eating away all of your super. That's one of the biggest risk factors with insurances inside super is because the premiums get more expensive, it has a greater effect on your super long term, and we wanna kind of try to reduce that as much as we possibly can whilst making sure you've got that level of cover to protect you in the event that something was to happen.\n\nOkay? Excellent. And so keeping the life and TPD in place as near. There's no changes to those, but we'll keep reviewing those moving down. If you can go to page 27 for me, this is essentially looking at your income protection.\n\nSo the one of the things that we talked about was that you are single, you've got a young daughter, and you work really hard. But what happens in the event that you're unable to go to work due to illness or injury, and you wanted to have just a level of cover to protect you in that event? We are looking at a ninety day waiting period and a five year benefit period, so it does mean you have to be off work for ninety days prior to making a claim. And, essentially, you can be on a claim for up to five years. That was sort of the level you were comfortable with at the moment, and this is the best way to make it as cheap as possible, but still providing you with a level of benefit that you can use in the event of making a claim.\n\nI we did that pre assessment as well. And because you do have that secondary occupation, I essentially went back and did a blind pre assessment with all the insurers, including Neos. Neos actually came back as the most expensive. They said they were going to essentially look at you as a a support services support worker, and that's actually a higher rated because those people who work after aged care, disability workers, things like that, they are actually at high risk of getting injured. So insurance companies see that as a very high risk occupation.\n\nSo Neos was actually gonna be charging close to about $5 for the year for the insurance premiums, and I wasn't happy with that. I did not want you to be eating away your super at a faster level. So I went back and had a look at all the other insurers. The insurer we've gone with is Zurich, so it means you'll have two different insurers for your insurance policy. However, I will keep looking after that with you, and we'll make sure we review that.\n\nIf you ever had to make a claim, we have to facilitate that for you to make it easier. Okay? Mhmm. Mhmm. Yep.\n\nYep. Unfortunately, no. No. They when we went when we because we were looking at that initially, we only have you made occupation. When we did the pre assessment, you made mention you have that secondary job as well.\n\nAnd that was kind of the thing that pushed them up, and NeoSoft will know because of how often you do that. It's it's done every week for the amount of time you do. They were like, no. We're gonna go with the higher risk occupation, which is, in my opinion, not fair. When I spoke to Zurich, they said that they would still, assess you as a administration worker, which is the best occupation rating we can get, and they're just going to exclude the secondary occupation.\n\nSo it means that you can't claim the income protections for your secondary job. However, it covers you for your main occupation, which essentially is your main source of income. And if anything happens and you can't go to work and do your main role, being an admin worker, there's gonna be something really seriously wrong with you. So it is really important to cover that. And the premiums came out much cheaper.\n\nSo on ninety days waiting with a five year benefit period, the total premium they would charge for the first year estimated at 1,146 and 65¢, and out of your super comes $9.74 and 65¢. So it is a really good price occupation rating and gives you that level of cover at 70% of your main occupation, and it's just for that five ninety day waiting and five year benefit period. Okay? In the you're right. Sorry.\n\nYou're right. It means that you're still you're not able to claim on the income protection just solely for your second job. But say if you broke your back and you couldn't do, you know, your second job every weekend and you went you still couldn't do your main occupation, you can still claim. It's just based on your main occupation to say you broke your back and you were bedridden for, you know, that ninety days, and you couldn't even work it. I mean, I personally if I'm hurt my back doing admin work laying down or it still hurts.\n\nSo things like that are still gonna be claimable, but it just means you need to not be able to go to your main occupation. And, realistically, if you hurt yourself in a way that you can't do your secondary job, realistically, you're probably gonna be off from your main occupation as well as an admin worker. I think insurers insurance assume admin workers are, you know, the the safest occupation because something has to be really, really wrong. But, I mean, I'm an acting worker. I sit at a desk most of my day and things like that.\n\nAnd in all honesty, when I have a bad back or sciatica pain, it really hurts. I have to stand up and sit down and move around, and it makes things really, really hard on me too. So there's actually quite a lot of things that could go wrong that stop you from doing both of your jobs, not just the secondary occupation. Yeah. Yeah.\n\nIn the appendices, which is attached to that docu the OdoSign there as a it's an attachment on your main email. I've also got the comparison in there for the different insurers on with the alternatives that I considered. So I also looked at a thirty day waiting period and a two year benefit period. That essentially means that you just have to be off work for thirty days prior to making a claim, and the two year benefit period means the claim stops at two years. Sorry.\n\nZurich is still paying out the cheapest fare. It's the thirty day waiting period is making the policies more expensive, but it is more expensive than essentially what we had recommended. And I also looked at an alternative of a ninety day wait and a two year benefit. Zurich, again, came out the best option. It does reduce the premium to about $732, so it is cheaper than what was recommended.\n\nBut my main reason for recommending a five year benefit period is that more well, ninety percent of claims are finished within that first two years. There is a risk of being on a partial claim, especially in your main occupation where you could work one, two, or three days a week and still be getting some of that income protection policy as a buffer. And those sorts of claims can start from one to two year to three years onwards. So having that five year benefit period just reduces the risk level a little bit more for you. Does that make sense?\n\nYeah. Yeah. Beautiful. That so that's essentially the recommendation with the insurances there. And all up, as per that projection table, we do estimate with the first year's premium, the total deducted from Super is $3,456.\n\nThat's the Zurich policy as well as the nearest life and TV that you do currently already hold. Okay. Yeah. Beautiful. Underneath that page, if you go down, you'll see we've also got the free assessment results there, and it just notes that for the income protection, the secondary occupation would be excluded.\n\nIn order to have this policy placed in force, we do need to do an application. So if you're happy to take your recommendations, my team will book you in for an application with my colleague, Jack. Or if you prefer to speak to one of those girls, I can organize it with Sammy, my admin worker. She's beautiful. And they just go through an in-depth application with you to apply for the cover the same as you would have gone through for Neos.\n\nThat application goes through the underwriting. We kinda went to the pre assessment. There was nothing that came out that flagged, but any changes to your health, if there's anything that flags that could be of a higher risk, then there is the risk of them having exclusions or loadings applied to the policy. But, I mean, we did the the pre assessment. You're pretty healthy.\n\nIt's just that secondary occupation that flagged for us. And Zurich have already confirmed that they'll just exclude that occupation from your income protection policy. Okay. 28, if you go to 29, at the bottom here, you've got the projection table there with your current and recommended, but it also shows you the difference. The projection, if you did not pay insurance to that.\n\nSo you can see that column? Yeah. So it just sort of shows you and because we kind of know that insurance premiums do get more expensive over time and they do have an effect on your super, We wanna try and limit that effect as much as possible, but this shows you the same. The projection table above with your current the recommended, but then if you did not pay any insurances inside the super fund, where you could end up over the next sort of five to ten years. So looking at that, it's not a huge difference.\n\nIt's only a minor difference, really, to give you a level of cover to protect you. It works out to be over ten years, about $51,000, but it could definitely be worse. Okay? It's one of those things. It's a bit of a juggling act.\n\nWe know it's gonna have an impact on super because they're paying for those premiums, but at the same time, having that level of protection or insurance to cover up in the event that something happens is really important. And trying to limit that as much as possible, and also making sure I mean, the biggest risk we have with insurance is is that we pay the premiums. We get to the time that we have a lovely sick balance, and we haven't claimed on any of the insurances, and we end up just canceling them or they just, you know, expire. So that's ultimately the biggest risk with having insurance policy. Yeah.\n\nDo you have have any questions at the moment at all? Yeah. Yep. Yeah. So, normally, by the time by the time we turn 60 or 65, depending on our comfort level, we don't normally need to have that income protection anymore.\n\nBecause under the current legislation, at the age of 60, if you're unable to work or if you retire, you get access to your super fully. So, realistically, if you get to 60 in ten years' time and, you know, you've still got that income protection, you still wanna work longer, but if you hurt yourself, realistically, we could cancel that cover because if you're unable to go to work, we just sign the declaration to say you're not working anymore, and you get access to your super benefit wholly, and it's all tax free. Yeah. Yeah. Yep.\n\nBeautiful. All good. Under each of those pages, I'll give you time to go back and read them. I know this is quite a lot. So feel free to read to the recommendations, the advantages, the disadvantages, the risks involved, and the interest duty there as well.\n\nOkay? If you go down to page number 35 for me, this is the recommendations around the estate planning side of things, the beneficiary nominations. Perfect. So we sort of talked about what was important to you. And in the event of something happening, that you wanted all of your senior and life insurance to be paid to your daughter.\n\nNow she's a minor, so she's under the age of 18. And one of the biggest things I do like to make mention is that while children our our children are beneficiaries under the SIS Act and under the Tax Act, which means that in the event of a claim, the amount is paid directly completely tax free. However, it doesn't go to her directly. If you were to pass away, the money has to be dealt with by an adult, so it would be her guardian. And my biggest thing with the way this system works is that the guardian then has to make the decision for the child on whether it's taken as a lump sum or a pension payment, and that's taken out of your hands, unfortunately.\n\nSo I'm recommending that we update the beneficiary nomination to the legal personal representative. That means that in the event of you passing, the money is paid direct to your estate. You can then have a will drawn up by a solicitor, have it set up as a a trust, and then in that trust, you have a lot more control. You can nominate who's gonna be the executor of that trust, how whether money is held until she's 18 or whether a regular pension is or income stream is, you know, given to her over time. You have a lot more control on how that money is dealt with in the event of you passing.\n\nAnd that essentially means that the money is more likely to get to your 10 year old daughter rather than just being drawn out as a full lump sum by the guardian, and then there's no control over what happens to that money. Unfortunately, I've seen it way too many times where the guardian's drawn the money out. It's being spent wasted. It hasn't gotten to the child, hasn't done what the the person nominate the person who passed away really intended, and it does make it very, very difficult and can, you know, lead to a lot of dramas. And and then with my will, to give you a bit of an example, I've been married twice.\n\nSo with my estate planning side of things, my two eldest children were to my ex husband, and he was terrible with money. He could not hold a dollar in his hand less than a week. So I set it up that all of my funds would go into my will the same way with legal personal representative. And then I set up with my sister, and my new husband's sister were joint executives and trustees. That essentially meant that because under the law, my daughters would go back to my ex husband if I was to pass away, he would not get access to any funds unless he asked my sister, my sister-in-law, for money and declared the reason he needed it.\n\nSo it meant that that money was gonna be used for my children's education, and it wasn't gonna be all wasted in one place. And because I have a a third child to my my second husband, I didn't want them to be disadvantaged. I wanted all three of my kids to be looked after. So it just gives you a lot more control. It is a little bit more expensive to do it that way to have a will drawn up, but you've worked so hard.\n\nAnd you've got this beautiful little girl, and you wanna make sure that everything is looked after and that everything is, you know, directed where you want it to go. So having your will drawn up correctly only gives you that little bit of extra protection for you and your daughter. Yeah. Yeah. Yeah.\n\nYes. Yes. So because your sister unfortunately, when we look at the beneficiary system for Super, there's two forms of legislation that we have to abide by to have a valid nomination. The first is the CISAT, which notes that a beneficiary can be a child of any age, a spouse, an interdependent relationship with someone who lives with us, who relies on us financially, and anyone with an interdependent relationship. So exactly the same thing.\n\nThey just have two birds for it. Essentially, under that, your child, whether they're over 18 or 18, fully fit that criteria. Your system, unfortunately, doesn't. But then in order once the beneficiary is set up and to have it paid down, it then also has to meet the tax act. And that means that beneficiaries who are valid receive the benefit fully tax free if they are your current spouse, a child under the age of 18, or a child 21 if they're fully financially dependent on you, or, again, whether it's a dependent or financial relationship.\n\nAnd any children over the age of 18, unfortunately, have to pay tax. Tax can be up with a 17% on the benefit. So having it paid to your sister through your will, again, gives you more control. You can have a trust set up. You can direct what you want done with the funds, how you want it paid to your daughter, how you want her to look after your daughter.\n\nAnd it just means that you get a lot more control around that as well. So doing it this way is absolutely the best way for you. Yeah. Yeah. Your daughter?\n\nYeah. She is. Yeah. Yeah. Yep.\n\nAnd my team can pre fill the document for you and have that sent out, so you just have to tick the box. And I can send you an email with some information on a local solicitor that we can use, but also I can grab, like, the each state has, like, a government trustee that can set up wills very cheaply for you. They can be done over the phone or at your local office. And I can get you that information as well if you like to make it easier on you. Yeah.\n\nNo. For your daughter, no. So we'll change the beneficiary fee legal personal representative and direct the funds through to your to your will. Yeah. It will be important that once the beneficiary is updated that a will is done Because if we nominate legal personal representative and you still haven't got a will done and you passed away, then everything is paid to your estate, and it all goes through probate.\n\nAnd that's a pretty horrible process. It's basically where it goes to the court system. So, yeah, just making sure your will is drawn up. We can hold off on changing the beneficiaries until your will is in place. That's not a problem at all.\n\nYeah. Yep. That's that's okay. Well, I'll do that research. You'll probably, on Monday, ask me to, like, get that through to you, but I'll do a bit of research on the local trustee for you.\n\nAnd I can I'll see if I can get the email over the weekend to make it easier. But I'll send you an email which outlines some information on the local solicitor that we use and the costing that we can refer you through to, but also your local trustee's office so you can have a bit of a look at that and kind of work out which option is better for yourself. Okay. Yep. All good.\n\nYeah. Yeah. Absolutely. Absolutely. And you can sort of have a think about what's gonna be right for you and how how you wanna set up.\n\nAnd, yeah, have a chat to your brother. It's always worth having a chat with people who have recently set up a will, what they thought of the person that did it, how they went through it, what they were asked. It kinda gives you an idea of what you're sort of walking into because every solicitor lawyer, everyone does them differently. And, yeah, it's just what's right for you at the end of the day. It's one of the hardest things we have to sort of think about, but it is definitely one of those things that's worth thinking about and protecting everything.\n\nYou've worked way too hard to let it all kinda just hope for the best. Yeah. Yeah. Oh, good. And underneath that, I've got, obviously, setting up a will and a power of attorney because that, again, is just really important to make sure that is all considered as well.\n\nBut feel free to have a read through the document, read through the sections. If you find you have questions, you can let me know. It's no issue at all. The only thing I do have to let you know is with the insurances, with setting up the Zurich insurances there, we do receive remuneration from the insurer for doing this application once it's in place. We receive 66% of the first year's premium and 22% there ongoing.\n\nThat is standardized across the board. It is the same for every insurance company. So whether we have it applied for the cover through Neos or with Zurich, essentially, it's the same 66% of the first year's premium. The main difference is I've tried to make the insurances as cheap as possible for you. So lowered that cost as much as possible.\n\nIt's not paid by you in any way, shape, or form. It is paid by the insurer to us. So we just wanna disclose that and make sure you're fully aware of it. We do also receive 22% of the current premium that you are paying to Neos as well, and they just pay that to us every year. And then also with the ongoing service fee, you do pay us 1.65%.\n\nThat just continues. It's already on the super. Your and and your review, technically, is due around about September. So when that is due, my team will book you in, and you and I can have a bit of a catch up and see how things are going and make sure you're happy to stay on board for a year. If you need new advice, we'll do that for you as well.\n\nJust making sure that we're keeping up to date with everything and, you know, making sure that, you know, everything is working harder for you and that we're working towards your goals. Because everything I do has to be in your best interest. And if the advice needs to change or is no longer in your best interest, then I have an obligation to make sure that is changed. And I wanna make sure the advice changes and evolves with you as well. Okay?\n\nYeah. That's okay. It's it's probably a lot. You probably need a bit of time to digest. It absolutely is.\n\nBut we'll take some time. Maybe, you know, you have the day. You've got the day off. I sort of suggest that people go and maybe just have a cup of tea, let it digest for a second, then come back and have a really good read of the document. And if any questions come up, there is no such thing as a silly question.\n\nYou send it to me, let me know, and I will reply and make sure we take time to answer those questions for you. If you're happy to take the advice, we just get you to sign and return the document back to us, and then team will have it implemented. And if there's any section of the advice you do not wish to proceed with, on the very last page, you do have a text box. You can just write in there with what you don't wanna proceed with. And if you do, like, a little bit of reading on there, I've also got the PDF documents for for your super funds for Netwealth.\n\nI've got it for Zurich, for Neos. I've also got the quote attached for you, and I've also got our financial services guide and all the bits and pieces. So depending on how much reading you're interested in, those documents are all attached for you as well as the appendices. Yeah. No.\n\nUnderstandable. It's a bit it can be a little bit small. So yeah. Okay. That's it.\n\nYeah. You enjoy the rest of your day. Yeah. So once once you sign and return that back, my lovely team will give you a call. They'll book you in to go through your insurance application with you.\n\nThey'll do it at a time that suits you, so it can be any day. And then we'll submit the application to Zurich. It'll go through the underwriting process. So if there is medical things that come out that we weren't aware of beforehand, they may request doctor's reports. But as I said, we did your pre assessment.\n\nNothing really flagged that was gonna be an issue so far. And if if it's, you know, a clean what we call clean skin, if there's no issues, often it goes into force really quickly. And then the insurance premium is just deducted out of your super fund at as soon as the policy is placed in force. And we confirm at every step what's happening with that policy. Okay.\n\nThat's okay. Oh, that's okay. It's really important as I was sitting there with Sammy because I sit basically next to her. And when you called back in, and she was saying, oh, Friday. And I was like, yes.\n\nDo it. It's done. I don't I do not mind in any way, shape, or form. I would rather take the time to take you through it when you're available than to be rushing through it in your lunch break or when you're at work and sort of stress stressing about things. So I don't mind in any way, shape, or form.\n\nI love what I do. As you can half turn, I'm a crazy super insurance lady, and it's about making sure that everything's working for you. So I will always take calls. Know, if someone needs me on a Friday, I'll make time for it. It's not a problem at all.\n\nOkay? Yeah. That's alright. My pleasure. Yep.\n\nYeah. Fantastic. No. So the the advice is that was for sixty days from the date on the document there. However, if you need longer than that, I'll just reconfirm your circumstances.\n\nIt's not a problem at all. Okay. Yeah. Yeah. No worries.\n\nMy pleasure. No worries. You have a lovely day, and have a great weekend. Thank you, Natalie. I'll talk to you soon.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Natalie.","start":1.92,"end":2.56,"sentiment":"neutral","sentiment_score":0.10956459492444992},{"text":"It's Dana from Motee Financial.","start":2.56,"end":4.18,"sentiment":"neutral","sentiment_score":0.1548277795314789},{"text":"How are you today?","start":4.3199997,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.2002807855606079},{"text":"That I'm very well.","start":7.52,"end":8.96,"sentiment":"positive","sentiment_score":0.5821063071489334},{"text":"Thank you.","start":8.96,"end":9.44,"sentiment":"positive","sentiment_score":0.6590728163719177}],"sentiment":"neutral","sentiment_score":0.32005659359342914,"num_words":17,"start":1.92,"end":9.44},{"sentences":[{"text":"I had you booked in just to go through your updated statement of advice.","start":9.44,"end":12.639999,"sentiment":"neutral","sentiment_score":0.2260816523006984},{"text":"Is that still a good time there for you?","start":12.639999,"end":14.66,"sentiment":"neutral","sentiment_score":0.20353525463077757},{"text":"Fantastic.","start":16.904999,"end":17.404999,"sentiment":"positive","sentiment_score":0.5479494333267212},{"text":"How's your morning been thus far?","start":17.625,"end":19.485,"sentiment":"neutral","sentiment_score":0.29711495339870453},{"text":"Oh, that's Oh, that's good.","start":21.384998,"end":23.645,"sentiment":"neutral","sentiment_score":0.3269716382026672}],"sentiment":"neutral","sentiment_score":0.2560702219605446,"num_words":35,"start":9.44,"end":23.645},{"sentences":[{"text":"Nice three day weekend for you.","start":24.185,"end":26.285,"sentiment":"positive","sentiment_score":0.6160415013631185},{"text":"All good.","start":28.44,"end":29.18,"sentiment":"positive","sentiment_score":0.4089246690273285},{"text":"Now before we jump into the call, I do have to let you know we do record our calls for quality and training purposes.","start":29.32,"end":34.06,"sentiment":"neutral","sentiment_score":0.06934585841372609},{"text":"Are you happy for me to proceed with that?","start":34.12,"end":36.22,"sentiment":"neutral","sentiment_score":0.12231683731079102},{"text":"Fantastic.","start":37.8,"end":38.3,"sentiment":"positive","sentiment_score":0.39906513690948486}],"sentiment":"neutral","sentiment_score":0.18281703859212853,"num_words":42,"start":24.185,"end":38.3},{"sentences":[{"text":"And just to do a quick security check, sir, with you, just can you confirm your full name, your date of birth, and address I should have on file?","start":38.68,"end":45.004997,"sentiment":"neutral","sentiment_score":0.12715099469341082},{"text":"Yep.","start":46.585,"end":47.085,"sentiment":"neutral","sentiment_score":0.01586179807782173},{"text":"Yep.","start":47.864998,"end":48.364998,"sentiment":"neutral","sentiment_score":0.02194820716977119},{"text":"Yep.","start":49.625,"end":50.125,"sentiment":"neutral","sentiment_score":0.017108816653490067},{"text":"Beautiful.","start":55.4,"end":55.88,"sentiment":"positive","sentiment_score":0.33482488989830017}],"sentiment":"neutral","sentiment_score":0.12354916842146353,"num_words":33,"start":38.68,"end":55.88},{"sentences":[{"text":"Thank you so much for that.","start":55.88,"end":57.4,"sentiment":"positive","sentiment_score":0.45504477620124817},{"text":"Now I am just sending through the statement of advice and supplementary material through to you via email.","start":57.4,"end":63.8,"sentiment":"neutral","sentiment_score":0.10950243762797779},{"text":"Are you able to jump into your email, sir, at the moment?","start":63.8,"end":66.68,"sentiment":"neutral","sentiment_score":0.02340130088850856},{"text":"Or if you can't, that's okay.","start":66.68,"end":68.3,"sentiment":"neutral","sentiment_score":0.004656052837769191},{"text":"No.","start":74.185005,"end":74.505005,"sentiment":"neutral","sentiment_score":-0.07156780362129211}],"sentiment":"neutral","sentiment_score":0.11484875950182594,"num_words":43,"start":55.88,"end":74.505005},{"sentences":[{"text":"This is the statement of advice to run through the recommendations with you.","start":74.505005,"end":79.165,"sentiment":"neutral","sentiment_score":-0.0285851491185335},{"text":"It should be a new email coming through any moment, if not already.","start":80.425,"end":84.365005,"sentiment":"neutral","sentiment_score":0.01064909528940916},{"text":"Yeah.","start":84.905,"end":85.405,"sentiment":"neutral","sentiment_score":0.026087433099746704},{"text":"That's okay.","start":85.89,"end":86.55,"sentiment":"neutral","sentiment_score":0.05559973791241646},{"text":"It should come from Odoo sign, and it might have even come from my email.","start":90.21,"end":93.81,"sentiment":"neutral","sentiment_score":0.03394240948061148}],"sentiment":"neutral","sentiment_score":0.009392144348980351,"num_words":44,"start":74.505005,"end":93.81},{"sentences":[{"text":"So dana@otfinancial.","start":93.81,"end":95.43,"sentiment":"neutral","sentiment_score":0.03427662327885628},{"text":"Yeah.","start":96.93,"end":97.43,"sentiment":"neutral","sentiment_score":0.12818914651870728},{"text":"Beautiful.","start":97.73,"end":98.23,"sentiment":"neutral","sentiment_score":0.2885100245475769},{"text":"Yes.","start":104.835,"end":105.075005,"sentiment":"neutral","sentiment_score":0.13912007212638855},{"text":"If you click on the button now I am really clear.","start":105.075005,"end":107.395004,"sentiment":"neutral","sentiment_score":0.14154065535827118}],"sentiment":"neutral","sentiment_score":0.1363324811682105,"num_words":16,"start":93.81,"end":107.395004},{"sentences":[{"text":"It does not make you sign anything until you've gone through it.","start":107.395004,"end":110.515,"sentiment":"neutral","sentiment_score":0.058496102069815},{"text":"You can do have the option of going back out before signing it and rereading it.","start":110.515,"end":115.175,"sentiment":"neutral","sentiment_score":0.08243704796768725},{"text":"I am a big advocate for reading things before you do sign it.","start":115.71001,"end":118.990005,"sentiment":"neutral","sentiment_score":0.1295178601374993},{"text":"So what I'll do is I'll take you through the advice.","start":118.990005,"end":121.15,"sentiment":"neutral","sentiment_score":0.06859977272423831},{"text":"We'll focus on the pages that are important to you so I can basically explain what what I need to go through with you, and then you get to take that back and have a really good read of the document there as well.","start":121.15,"end":132.645,"sentiment":"neutral","sentiment_score":0.23042030903426083}],"sentiment":"neutral","sentiment_score":0.15206009657898298,"num_words":96,"start":107.395004,"end":132.645},{"sentences":[{"text":"Okay?","start":132.645,"end":133.145,"sentiment":"neutral","sentiment_score":0.1288776993751526},{"text":"Beautiful.","start":134.485,"end":134.985,"sentiment":"positive","sentiment_score":0.6754325032234192},{"text":"On the front page of that one, it'll say statement of advice prepared for yourself as of the 07/01/2026.","start":136.08499,"end":142.68,"sentiment":"neutral","sentiment_score":0.26930977011981766},{"text":"Our advice is valid for sixty days from the date on the document there.","start":143.0,"end":147.23999,"sentiment":"neutral","sentiment_score":0.2315037910427366},{"text":"And on the bottom there, my licensing number for you as well.","start":147.23999,"end":149.87999,"sentiment":"neutral","sentiment_score":0.16621845153470835}],"sentiment":"neutral","sentiment_score":0.23738021974233872,"num_words":47,"start":132.645,"end":149.87999},{"sentences":[{"text":"So I'm a registered financial adviser with ASIC, and my license number is 1304394.","start":149.87999,"end":155.64,"sentiment":"neutral","sentiment_score":0.10536837418164526},{"text":"Okay?","start":155.64,"end":156.14,"sentiment":"neutral","sentiment_score":0.08688488602638245},{"text":"Yeah.","start":157.13501,"end":157.375,"sentiment":"neutral","sentiment_score":0.0906497836112976},{"text":"Before the next couple of pages, we outline the best interest duty.","start":157.375,"end":160.255,"sentiment":"neutral","sentiment_score":0.11024787711600463},{"text":"So just making sure that any advice we do provide is in your best interest.","start":160.255,"end":163.955,"sentiment":"neutral","sentiment_score":0.20025268892447154}],"sentiment":"neutral","sentiment_score":0.13905713412650797,"num_words":43,"start":149.87999,"end":163.955},{"sentences":[{"text":"On all the pages as we with the recommendations, we actually do have a best interest duty statement, which realigns the advice back to your goals, and it outlines why the advice provided is in your best interest.","start":164.57501,"end":177.49,"sentiment":"neutral","sentiment_score":0.17796246727046214},{"text":"Okay?","start":177.63,"end":178.13,"sentiment":"neutral","sentiment_score":0.053344689309597015},{"text":"On pages three and four and five, we have the scoping in and scoping out areas.","start":180.03,"end":185.31,"sentiment":"neutral","sentiment_score":-0.011867017718032002},{"text":"So these are areas of where we are and are not providing advice with this document.","start":185.31,"end":189.49501,"sentiment":"neutral","sentiment_score":-0.1539825377985835},{"text":"We're looking at superannuation for you.","start":189.955,"end":192.295,"sentiment":"neutral","sentiment_score":-0.09671652875840664}],"sentiment":"neutral","sentiment_score":0.04651982317884247,"num_words":77,"start":164.57501,"end":192.295},{"sentences":[{"text":"We've got insurances in there.","start":192.515,"end":193.955,"sentiment":"neutral","sentiment_score":-0.057651710510253903},{"text":"You wanted to try and get some income protection.","start":193.955,"end":195.955,"sentiment":"neutral","sentiment_score":-0.003628030005428526},{"text":"So I've had a really good look at how to do that to make it a cost effective for you, but also give you that level of protection in the stressing the estate planning side of things.","start":195.955,"end":208.33,"sentiment":"neutral","sentiment_score":0.21161580407941663},{"text":"So you mentioned you don't have a will or power of attorney, and your beneficiary is nominated to your daughter who, I believe, is about 10,000,011 years of age.","start":208.33,"end":216.99,"sentiment":"neutral","sentiment_score":0.016290239283236963},{"text":"Yeah.","start":218.625,"end":219.025,"sentiment":"neutral","sentiment_score":0.062692791223526}],"sentiment":"neutral","sentiment_score":0.0993084402317986,"num_words":81,"start":192.515,"end":219.025},{"sentences":[{"text":"So I have looked at the best way to make sure that nomination is in place so that she gets the money, because there are some there are some interesting rules around beneficiaries and how they are paid especially to minor children.","start":219.025,"end":233.26,"sentiment":"neutral","sentiment_score":0.03605443554087764},{"text":"Okay?","start":233.56,"end":234.06,"sentiment":"neutral","sentiment_score":-0.0000958610326051712},{"text":"The areas that we're scoping out from page five on, we've got not looking at debt reduction.","start":235.56,"end":241.09999,"sentiment":"neutral","sentiment_score":-0.05190027607193984},{"text":"So you do wanna have your mortgage paid down as quickly as possible.","start":241.15999,"end":244.37999,"sentiment":"neutral","sentiment_score":0.11946062843960065},{"text":"We're not scoping that in right now.","start":244.51999,"end":246.62,"sentiment":"neutral","sentiment_score":-0.13762717587607248}],"sentiment":"neutral","sentiment_score":0.015268545963044744,"num_words":80,"start":219.025,"end":246.62},{"sentences":[{"text":"If you do want additional advice in that area, let us know.","start":246.76,"end":249.855,"sentiment":"neutral","sentiment_score":0.007713308868308862},{"text":"We can also refer you through to a mortgage broker who can reassess essentially your home loan, the rates you are paying, and look at ways to help you pay that down quicker as well.","start":249.855,"end":259.395,"sentiment":"neutral","sentiment_score":0.15911547403250423},{"text":"Okay?","start":259.455,"end":259.955,"sentiment":"neutral","sentiment_score":0.0516972616314888},{"text":"Excellent.","start":260.815,"end":261.315,"sentiment":"positive","sentiment_score":0.7072103023529053},{"text":"To make things easier, I'll get you to go forward for me, and we're gonna head down to page number 17.","start":262.29,"end":267.35,"sentiment":"positive","sentiment_score":0.4560483942429225}],"sentiment":"neutral","sentiment_score":0.22853607343775886,"num_words":70,"start":246.76,"end":267.35},{"sentences":[{"text":"So this is essentially the recommendations in a bit of a nutshell.","start":267.57,"end":271.27,"sentiment":"neutral","sentiment_score":0.21526301528016725},{"text":"Beautiful.","start":273.49,"end":273.99,"sentiment":"positive","sentiment_score":0.7129777669906616},{"text":"Now if you find you have questions through any of this, let me know.","start":275.375,"end":278.655,"sentiment":"neutral","sentiment_score":0.11780063382216863},{"text":"I do tend to just kind of get in my group and go.","start":278.655,"end":282.035,"sentiment":"neutral","sentiment_score":0.12505237127725893},{"text":"But you just tell me to stop, ask any questions, or pull me back if you need to.","start":282.175,"end":286.57498,"sentiment":"neutral","sentiment_score":0.072834268419279}],"sentiment":"neutral","sentiment_score":0.13589724968990374,"num_words":58,"start":267.57,"end":286.57498},{"sentences":[{"text":"Okay?","start":286.57498,"end":287.07498,"sentiment":"neutral","sentiment_score":0.056985482573509216},{"text":"All good.","start":289.91998,"end":290.66,"sentiment":"positive","sentiment_score":0.39007917046546936},{"text":"Now the heading on this page should be investment recommended superannuation.","start":290.96,"end":294.41998,"sentiment":"neutral","sentiment_score":0.11746649647300894},{"text":"Can you see that page there at all?","start":294.8,"end":296.74,"sentiment":"neutral","sentiment_score":0.03580854251049459},{"text":"Yep.","start":297.91998,"end":298.4,"sentiment":"neutral","sentiment_score":0.16497980058193207}],"sentiment":"neutral","sentiment_score":0.11220536632058413,"num_words":23,"start":286.57498,"end":298.4},{"sentences":[{"text":"Beautiful.","start":298.4,"end":298.9,"sentiment":"positive","sentiment_score":0.4838370680809021},{"text":"So one of the things we looked at was your superannuation.","start":299.44,"end":301.78,"sentiment":"neutral","sentiment_score":0.058720084076577965},{"text":"Obviously, your balance is growing, and you're working really hard to build that.","start":302.08,"end":305.695,"sentiment":"neutral","sentiment_score":0.10785591745605835},{"text":"However, we wanted to just make sure that you were invested correctly.","start":306.155,"end":309.855,"sentiment":"neutral","sentiment_score":-0.06514660206933816},{"text":"One of the things we discussed when we first had that conversation a few months back was that you had been a long Australian equities in there, and that was underperforming a little bit.","start":310.315,"end":319.17,"sentiment":"neutral","sentiment_score":-0.18622633420369206}],"sentiment":"neutral","sentiment_score":-0.06452915025219111,"num_words":71,"start":298.4,"end":319.17},{"sentences":[{"text":"Since we had that first conversation, our investment committee has gone in and removed that from everyone's portfolio.","start":320.13,"end":326.23,"sentiment":"neutral","sentiment_score":-0.2744169483582179},{"text":"So you actually don't have that investment anymore.","start":326.45,"end":328.55002,"sentiment":"neutral","sentiment_score":-0.21358303353190422},{"text":"But I still wanted to check the investments that you do now have and make sure that, you know, if there's a rebalance or if there was something that needed to be replaced, that we do do that.","start":328.69,"end":336.565,"sentiment":"neutral","sentiment_score":-0.13006037797190642},{"text":"I think one of the important things to note that investments do need to change over time.","start":336.70502,"end":340.965,"sentiment":"neutral","sentiment_score":-0.18320009331492818},{"text":"Investments that you were recommended initially or several years ago might not be appropriate now.","start":341.745,"end":346.63,"sentiment":"neutral","sentiment_score":-0.3292005797227224}],"sentiment":"neutral","sentiment_score":-0.20461327066489807,"num_words":96,"start":320.13,"end":346.63},{"sentences":[{"text":"And with the investments you have now, we need to keep reviewing because they may need to be changed or altered down the track there as well for you.","start":346.63,"end":354.23,"sentiment":"neutral","sentiment_score":-0.119216563629693},{"text":"Okay?","start":354.23,"end":354.73,"sentiment":"neutral","sentiment_score":-0.02780216559767723},{"text":"I had a look at net wealth as a super fund as well as all the other funds out there to see whether or not we should move out of Netwealth or not.","start":356.15,"end":363.355,"sentiment":"neutral","sentiment_score":-0.004419952913215666},{"text":"I am recommending that you do retain Netwealth at the moment.","start":363.415,"end":366.135,"sentiment":"neutral","sentiment_score":0.1679819409142841},{"text":"The platform itself is absolutely fine.","start":366.135,"end":368.475,"sentiment":"positive","sentiment_score":0.5487886766592661}],"sentiment":"neutral","sentiment_score":0.018869905662722886,"num_words":80,"start":346.63,"end":368.475},{"sentences":[{"text":"And the way I see the Netwealth platform, essentially, think of it like your car.","start":368.695,"end":373.495,"sentiment":"neutral","sentiment_score":0.29357167383035027},{"text":"It is just a vehicle.","start":373.495,"end":374.635,"sentiment":"neutral","sentiment_score":0.22814242541790009},{"text":"That's where the funds are going into, but what really makes your super fund work is the underlying investment.","start":374.73,"end":380.11002,"sentiment":"neutral","sentiment_score":0.20951291448191592},{"text":"And Net Wealth is essentially just a vehicle to hold those funds so you can invest the money.","start":380.49002,"end":385.15002,"sentiment":"neutral","sentiment_score":0.19263775481118095},{"text":"In the because we had moved out, the investment committee had made the change and removed the Bana Lung Australian Equities out of your fund.","start":386.73,"end":393.90503,"sentiment":"neutral","sentiment_score":-0.05423310026526451}],"sentiment":"neutral","sentiment_score":0.1419107888984244,"num_words":82,"start":368.695,"end":393.90503},{"sentences":[{"text":"They'd actually replaced that with the BetaShares a 200.","start":393.90503,"end":397.125,"sentiment":"neutral","sentiment_score":0.003513829161723455},{"text":"One of the cool things about the swap of this investment is that Bana Lung, it it was meant to be more of an actively managed fund.","start":397.90503,"end":404.87,"sentiment":"neutral","sentiment_score":0.17711941042432078},{"text":"So the investment manager was meant to be buying and selling investments in a way that was, you know, trying to time the market.","start":404.87,"end":410.31,"sentiment":"neutral","sentiment_score":0.13270179803172746},{"text":"They were trying to outperform against the market as a whole to get those greater returns.","start":410.31,"end":414.25,"sentiment":"neutral","sentiment_score":0.12075617397204041},{"text":"Unfortunately, they haven't been able to do that.","start":414.735,"end":416.655,"sentiment":"negative","sentiment_score":-0.37998275458812714}],"sentiment":"neutral","sentiment_score":0.08203486242287215,"num_words":84,"start":393.90503,"end":416.655},{"sentences":[{"text":"They've had a rough couple of years since COVID as well.","start":416.655,"end":419.635,"sentiment":"neutral","sentiment_score":-0.276522081006657},{"text":"So we've removed that out of there.","start":420.095,"end":421.955,"sentiment":"neutral","sentiment_score":-0.16233755009514944},{"text":"Within that along, he generally held it's it was an Australian equity, so it was essentially tracking Australian equities, and they held anywhere between 15 to 25 different investments.","start":422.415,"end":432.28998,"sentiment":"neutral","sentiment_score":0.01945393044373085},{"text":"With the beta shares a 200, we're actually tracking the top 200 companies on the ASX.","start":432.91,"end":438.13,"sentiment":"neutral","sentiment_score":0.22913939505815506},{"text":"So it actually can see greater diversification.","start":438.50998,"end":440.44998,"sentiment":"neutral","sentiment_score":0.30527754766600473}],"sentiment":"neutral","sentiment_score":0.031274734224591934,"num_words":70,"start":416.655,"end":440.44998},{"sentences":[{"text":"So instead of tracking, you know, 15 to 25 different Australian companies, you're actually attracting 200.","start":440.83,"end":447.375,"sentiment":"neutral","sentiment_score":0.3207006547600031},{"text":"So it gives you greater diversification.","start":447.375,"end":448.835,"sentiment":"positive","sentiment_score":0.37790081401666004},{"text":"Diversification helps to mitigate all lower risk levels, which is really important.","start":450.015,"end":454.115,"sentiment":"positive","sentiment_score":0.341087032109499},{"text":"And this data shows a 200 investment is actually cheaper.","start":454.65,"end":458.03,"sentiment":"positive","sentiment_score":0.44528857469558714},{"text":"Holding passively most investments that are in the market, tracking the market, and following an index essentially does make your investment fees cheaper because you're not paying higher fees for an investment investment manager to try and outperform against the market.","start":458.73,"end":472.465,"sentiment":"positive","sentiment_score":0.3807177049357717}],"sentiment":"positive","sentiment_score":0.37122319288113537,"num_words":85,"start":440.83,"end":472.465},{"sentences":[{"text":"Does that make sense?","start":472.525,"end":473.585,"sentiment":"neutral","sentiment_score":0.2278762422502041},{"text":"Yeah.","start":474.845,"end":475.345,"sentiment":"neutral","sentiment_score":0.01284374576061964},{"text":"So we have got the beta shares a 200 in there for you.","start":475.885,"end":478.925,"sentiment":"neutral","sentiment_score":0.08183263385525116},{"text":"Essentially, with that, you've got about 33% of your portfolio there at the moment.","start":478.925,"end":483.085,"sentiment":"neutral","sentiment_score":0.07107702403196267},{"text":"We wanna hold about 36, so we're gonna buy a little bit of that.","start":483.085,"end":487.47,"sentiment":"neutral","sentiment_score":0.07181099562772683}],"sentiment":"neutral","sentiment_score":0.08670880935033379,"num_words":46,"start":472.525,"end":487.47},{"sentences":[{"text":"So in the buy sell column, you've got the green and the red.","start":487.47,"end":490.85,"sentiment":"neutral","sentiment_score":0.03468136518047406},{"text":"I try to sort of color code those for you.","start":491.15,"end":493.49,"sentiment":"neutral","sentiment_score":0.031661330722272396},{"text":"The green means we're gonna purchase some more of that investment.","start":493.95,"end":496.69,"sentiment":"neutral","sentiment_score":0.06884654171087524},{"text":"The red means we're gonna sell some of that investment off.","start":496.75,"end":499.71,"sentiment":"neutral","sentiment_score":0.03343051265586506},{"text":"Okay?","start":499.71,"end":500.21,"sentiment":"neutral","sentiment_score":0.057023175060749054}],"sentiment":"neutral","sentiment_score":0.04238134407964737,"num_words":46,"start":487.47,"end":500.21},{"sentences":[{"text":"We've also got cybersecurity.","start":501.54498,"end":503.32498,"sentiment":"neutral","sentiment_score":0.09194125793874264},{"text":"It has been a really great place to be invested.","start":503.78497,"end":506.125,"sentiment":"positive","sentiment_score":0.5098276317119599},{"text":"You are a little bit overexposed in there at the moment, so cybersecurity has had a little bit of a hit this year.","start":506.26498,"end":512.125,"sentiment":"neutral","sentiment_score":0.03144882165867349},{"text":"It is a great investment to be.","start":512.265,"end":513.865,"sentiment":"positive","sentiment_score":0.7017666527203151},{"text":"With everything being online and the amount of hacks and things that we've seen in the media, cybersecurity is still a very big area and will be a growing area.","start":513.865,"end":523.1449,"sentiment":"neutral","sentiment_score":0.27736256321271263}],"sentiment":"neutral","sentiment_score":0.262467671789833,"num_words":74,"start":501.54498,"end":523.1449},{"sentences":[{"text":"We do more and more online.","start":523.1449,"end":524.91205,"sentiment":"neutral","sentiment_score":0.10814535742004712},{"text":"We do more and more less face to face, and it's important to make sure we're protecting our data and our information as much as possible.","start":524.91205,"end":532.85504,"sentiment":"neutral","sentiment_score":0.02314013486298231},{"text":"So at the moment, you have about 5.68% in there.","start":533.47504,"end":537.075,"sentiment":"neutral","sentiment_score":0.05551666915416718},{"text":"We only wanna hold about 4%, so we are gonna sell a little over $2,000 of that investment and bring you back rebalance you back a little bit there.","start":537.075,"end":545.55505,"sentiment":"neutral","sentiment_score":0.04768860365810065},{"text":"Okay?","start":545.55505,"end":546.05505,"sentiment":"neutral","sentiment_score":0.033628400415182114}],"sentiment":"neutral","sentiment_score":0.044753892347216606,"num_words":72,"start":523.1449,"end":546.05505},{"sentences":[{"text":"We've also got some physical gold.","start":547.54,"end":549.22,"sentiment":"neutral","sentiment_score":0.09098942453662555},{"text":"Physical gold has been at its thirty year high essentially over the last few months.","start":549.22,"end":553.77997,"sentiment":"neutral","sentiment_score":0.1833391308784485},{"text":"It is really, really good.","start":553.77997,"end":554.98,"sentiment":"positive","sentiment_score":0.48180373907089236},{"text":"I know I love a bit of physical gold as an investment, but also I love to wear it.","start":554.98,"end":559.125,"sentiment":"neutral","sentiment_score":0.2937719131770887},{"text":"It is at the moment, you have about 7% of your portfolio.","start":560.085,"end":563.545,"sentiment":"neutral","sentiment_score":0.18887385415534177}],"sentiment":"neutral","sentiment_score":0.23777534747332857,"num_words":57,"start":547.54,"end":563.545},{"sentences":[{"text":"We wanna hold it at 10%.","start":563.605,"end":565.465,"sentiment":"neutral","sentiment_score":0.16632737467686334},{"text":"Physical gold is a growth investment, so it does see really good growth.","start":566.005,"end":570.665,"sentiment":"positive","sentiment_score":0.33927033841609955},{"text":"However, it also acts offensively, so we use it as a bit of an alternative.","start":571.285,"end":575.31,"sentiment":"neutral","sentiment_score":0.19685629308223723},{"text":"If you think back to times like COVID or the GFC when, say, equity markets weren't doing so well, people use gold as a bit of a safe haven.","start":575.93,"end":584.99,"sentiment":"neutral","sentiment_score":0.18059542466854228},{"text":"So it kind of is a growth asset in your portfolio, but it acts defensively as well.","start":585.05,"end":589.68506,"sentiment":"neutral","sentiment_score":0.2967834768488127}],"sentiment":"neutral","sentiment_score":0.23304886831901966,"num_words":80,"start":563.605,"end":589.68506},{"sentences":[{"text":"And that's kind of important to have investments that can act in more than one way.","start":589.68506,"end":594.66504,"sentiment":"neutral","sentiment_score":0.2815512642264366},{"text":"It helps to lower risk of your portfolio.","start":594.80505,"end":596.905,"sentiment":"positive","sentiment_score":0.33903027698397636},{"text":"Does that make sense?","start":597.205,"end":598.34503,"sentiment":"neutral","sentiment_score":0.21494869887828827},{"text":"Yep.","start":599.525,"end":600.025,"sentiment":"positive","sentiment_score":0.39619824290275574},{"text":"Beautiful.","start":600.085,"end":600.585,"sentiment":"positive","sentiment_score":0.6818909645080566}],"sentiment":"neutral","sentiment_score":0.3051648815472921,"num_words":30,"start":589.68506,"end":600.585},{"sentences":[{"text":"You currently hold about 7%, 7.76% there.","start":601.31,"end":605.07,"sentiment":"neutral","sentiment_score":0.3182434482233865},{"text":"We wanna increase that to 10%.","start":605.07,"end":606.83,"sentiment":"neutral","sentiment_score":0.293657307823499},{"text":"So we're gonna buy a little bit more physical gold, and it's not a bad time to buy because it is down a little bit at the moment as well.","start":606.83,"end":613.08997,"sentiment":"positive","sentiment_score":0.3482540021340052},{"text":"We've got some European ETFs there.","start":614.565,"end":616.985,"sentiment":"neutral","sentiment_score":0.11673879747589429},{"text":"Essentially, with Europe, this investment is giving you exposure to the 16 European countries, and it's giving you access to already established markets that are also up and coming.","start":617.125,"end":627.285,"sentiment":"neutral","sentiment_score":0.23647784621551118}],"sentiment":"neutral","sentiment_score":0.28199433812346214,"num_words":78,"start":601.31,"end":627.285},{"sentences":[{"text":"So it's important to have a lot of diversification and building on that.","start":627.285,"end":632.26,"sentiment":"neutral","sentiment_score":0.30833485607917493},{"text":"Europe is a a really good area at the moment to be invested, and giving you global diversification is important for reducing the risk of your portfolio.","start":632.26,"end":640.92004,"sentiment":"positive","sentiment_score":0.37735637470527933},{"text":"So you've got about 5.33% there at the moment.","start":641.57495,"end":644.695,"sentiment":"neutral","sentiment_score":0.1515200999048021},{"text":"We only wanna hold 5%.","start":644.695,"end":646.615,"sentiment":"neutral","sentiment_score":0.04998630508780479},{"text":"So they're gonna sell a little bit of that off, just over $500 there, and bring you back a little bit.","start":646.615,"end":652.315,"sentiment":"neutral","sentiment_score":0.10952620101826531}],"sentiment":"neutral","sentiment_score":0.24147517189383508,"num_words":75,"start":627.285,"end":652.315},{"sentences":[{"text":"And you've also got the European ETF in there.","start":652.535,"end":655.495,"sentiment":"neutral","sentiment_score":0.06598111821545495},{"text":"We wanna hold that 4%.","start":655.495,"end":656.97,"sentiment":"neutral","sentiment_score":0.05902151986956596},{"text":"You're a little bit overexposed in that one.","start":656.97,"end":659.05,"sentiment":"neutral","sentiment_score":-0.09285473264753819},{"text":"So, again, we're gonna sell some of that off.","start":659.05,"end":661.23,"sentiment":"neutral","sentiment_score":-0.02332120595706834},{"text":"Japan is another really great place to be invested.","start":661.93,"end":664.58997,"sentiment":"neutral","sentiment_score":0.24181384262111452}],"sentiment":"neutral","sentiment_score":0.052813338302075866,"num_words":40,"start":652.535,"end":664.58997},{"sentences":[{"text":"You've currently got about 4% there, 4.45%, selling off about $700 set to bring you back down a little bit to 4%.","start":664.88995,"end":673.245,"sentiment":"neutral","sentiment_score":0.17034695771607486},{"text":"And the S and P 500 is giving you access and exposure to the top 500 companies on The US market.","start":673.545,"end":679.805,"sentiment":"neutral","sentiment_score":0.14800185284444264},{"text":"Again, the same as with the a 200, it's tracking the top 500 companies, so you are diversifying.","start":680.425,"end":685.91,"sentiment":"neutral","sentiment_score":0.2302843232949575},{"text":"And as much as a lot of people are nervous about The US with what's happening between The US and Iran and what occurred this year, it is still a really great price to be invested long term.","start":686.29,"end":697.09,"sentiment":"neutral","sentiment_score":0.14638425919570422},{"text":"When you look at the last thirty years of investing, essentially, The US and international equities provide greater returns than Australian equities, and we tend to follow suit.","start":697.09,"end":707.72504,"sentiment":"neutral","sentiment_score":0.1941395356718983}],"sentiment":"neutral","sentiment_score":0.1732228239924889,"num_words":127,"start":664.88995,"end":707.72504},{"sentences":[{"text":"So whatever happens in The US happens here as well.","start":707.72504,"end":711.005,"sentiment":"neutral","sentiment_score":0.13318988904356957},{"text":"We feel that because our market follows theirs.","start":711.005,"end":713.745,"sentiment":"neutral","sentiment_score":0.16233376786112785},{"text":"You currently have about 26%, point 29% in there, and we're going to just bring you back down to 25%.","start":715.58,"end":722.56,"sentiment":"neutral","sentiment_score":0.22220646180212497},{"text":"And then you've got the Vanguard Australian fixed interest ETF.","start":723.26,"end":727.12,"sentiment":"neutral","sentiment_score":0.26792932450771334},{"text":"So, essentially, with your portfolio here, we wanna make sure you do have some lower risk defensive investments.","start":727.34,"end":733.225,"sentiment":"positive","sentiment_score":0.3648979970150524}],"sentiment":"neutral","sentiment_score":0.24730538576841354,"num_words":66,"start":707.72504,"end":733.225},{"sentences":[{"text":"You are in a growth portfolio, and that was where your comfort level was.","start":733.365,"end":737.46497,"sentiment":"positive","sentiment_score":0.3856729716062546},{"text":"So a growth portfolio sees 80% in those higher growth assets like Australian shares, international shares, listed property, and commodities like a better gold in your portfolio.","start":737.685,"end":748.11,"sentiment":"positive","sentiment_score":0.4189461690408212},{"text":"But then having about 20% in low risk defensive investments like fixed interest and cash and bonds, and that's where this incorporate this Vanguard fixed interest ETF comes in.","start":748.57,"end":759.83496,"sentiment":"neutral","sentiment_score":0.27863065513043567},{"text":"So keeping that in there for you, we wanna buy a little bit more of that.","start":759.83496,"end":763.595,"sentiment":"positive","sentiment_score":0.34892841055989265},{"text":"You're at about 9.39 at the moment, just bringing you up to 10%.","start":763.595,"end":768.175,"sentiment":"neutral","sentiment_score":0.27786739055926984}],"sentiment":"positive","sentiment_score":0.3432968465818299,"num_words":99,"start":733.365,"end":768.175},{"sentences":[{"text":"So, essentially, just making sure that we increase that exposure a little bit for you.","start":768.315,"end":772.83,"sentiment":"positive","sentiment_score":0.3908092180887858},{"text":"And that's essentially where you see the changes in your portfolio.","start":773.21,"end":776.11,"sentiment":"neutral","sentiment_score":0.24322288144718518},{"text":"I've not wanted to move you out of Netwealth because just like you do a tax return every year, your super fund also does a tax return.","start":776.33,"end":783.63,"sentiment":"neutral","sentiment_score":-0.17296537480972432},{"text":"And, essentially, any changes we make within the portfolio, we need to understand the tax consequences for your super fund.","start":784.205,"end":790.545,"sentiment":"neutral","sentiment_score":-0.06430640015751124},{"text":"Whenever we buy and sell investments or make changes with investments, your super fund pays capital gains tax.","start":790.765,"end":797.1,"sentiment":"neutral","sentiment_score":-0.002543940312332577}],"sentiment":"neutral","sentiment_score":0.027863801303473146,"num_words":91,"start":768.315,"end":797.1},{"sentences":[{"text":"I had a look at the full sell down on your portfolio and what that might look like.","start":797.89996,"end":802.38,"sentiment":"neutral","sentiment_score":0.05741547606885433},{"text":"The capital gains was much higher.","start":802.38,"end":804.3,"sentiment":"neutral","sentiment_score":0.25312624623378116},{"text":"So to keep you in net worth for a bit longer, the platform itself is absolutely fine and has no problems.","start":804.3,"end":810.16,"sentiment":"positive","sentiment_score":0.598732020173754},{"text":"And just making these changes to rebalance your portfolio back helps to sort of make sure you're not over or underweighted in any any particular investment.","start":810.515,"end":819.175,"sentiment":"positive","sentiment_score":0.45767497099362886},{"text":"Keep that diversification and keep you inside that growth asset allocation, making sure we're diversifying, and also help to reduce the tax consequences.","start":819.315,"end":828.48,"sentiment":"positive","sentiment_score":0.5111524916213491}],"sentiment":"positive","sentiment_score":0.4125709045044285,"num_words":94,"start":797.89996,"end":828.48},{"sentences":[{"text":"If you go down to page 20 for me, I can show you the estimated CDT.","start":829.66,"end":834.63995,"sentiment":"neutral","sentiment_score":0.0436337337596342},{"text":"Sorry.","start":837.01996,"end":837.33997,"sentiment":"neutral","sentiment_score":-0.1334494650363922},{"text":"Sorry.","start":837.33997,"end":837.83997,"sentiment":"neutral","sentiment_score":-0.15894784033298492},{"text":"So this is the peak comparison table, and you'll see in the differences column there, by making these changes and just bringing the weighting back on your portfolio, the c d your super fund would have to pay is about $264.","start":840.09503,"end":854.03503,"sentiment":"neutral","sentiment_score":0.1552515219806171},{"text":"So very minimal CDP consequences.","start":854.35,"end":856.53,"sentiment":"positive","sentiment_score":0.4713703036308289}],"sentiment":"neutral","sentiment_score":0.14262353678350337,"num_words":64,"start":829.66,"end":856.53},{"sentences":[{"text":"Keeps you well diversified.","start":857.55,"end":858.77,"sentiment":"positive","sentiment_score":0.6458052694797516},{"text":"We're just rebalancing the portfolio for you and making sure that you your portfolio doesn't have to make that money back too crazy.","start":859.23,"end":865.97003,"sentiment":"positive","sentiment_score":0.42154881811660266},{"text":"Okay?","start":866.11,"end":866.61,"sentiment":"neutral","sentiment_score":0.23334896564483645},{"text":"Perfect.","start":868.735,"end":869.215,"sentiment":"positive","sentiment_score":0.6560081243515015},{"text":"Do you have any questions so far?","start":869.215,"end":870.815,"sentiment":"neutral","sentiment_score":0.22681176023823874}],"sentiment":"positive","sentiment_score":0.4098856473962466,"num_words":36,"start":857.55,"end":870.815},{"sentences":[{"text":"You're welcome to let me know if you do.","start":870.815,"end":872.755,"sentiment":"positive","sentiment_score":0.3351694064007865},{"text":"All good?","start":875.535,"end":876.355,"sentiment":"neutral","sentiment_score":0.2834967076778412},{"text":"All good.","start":878.575,"end":879.315,"sentiment":"positive","sentiment_score":0.3977280557155609},{"text":"So with the fee comparison table here, you'll essentially see the current and the recommended.","start":879.87,"end":884.37,"sentiment":"neutral","sentiment_score":0.17242001394430798},{"text":"Now your current balance is at a $161,009.83 after making the change in the investments, which we estimate you should have about a $161,719.","start":884.91003,"end":895.305,"sentiment":"neutral","sentiment_score":0.20781036652624607}],"sentiment":"neutral","sentiment_score":0.22986006134977707,"num_words":52,"start":870.815,"end":895.305},{"sentences":[{"text":"That's minus the $2.64 for the CGT.","start":895.305,"end":897.645,"sentiment":"neutral","sentiment_score":0.12778864162308828},{"text":"By keeping net wealth, there's no change to the administration fees.","start":898.745,"end":902.02496,"sentiment":"neutral","sentiment_score":0.18242188814011487},{"text":"However, we do note that the investment fees by rebalancing are reduced, and you save about $25 on investment fees.","start":902.02496,"end":909.12,"sentiment":"positive","sentiment_score":0.457382882386446},{"text":"Any kind of saving in fees is a positive thing.","start":909.2,"end":911.94,"sentiment":"positive","sentiment_score":0.7931404709815979},{"text":"It means that money stays invested for you working harder.","start":912.0,"end":915.06,"sentiment":"positive","sentiment_score":0.6625091433525085}],"sentiment":"positive","sentiment_score":0.4587123284822908,"num_words":58,"start":895.305,"end":915.06},{"sentences":[{"text":"Okay?","start":915.27997,"end":915.77997,"sentiment":"positive","sentiment_score":0.3447761535644531},{"text":"By rebalancing there a little bit, obviously, your balance is just slightly lower.","start":917.12,"end":920.64,"sentiment":"neutral","sentiment_score":0.25795063376426697},{"text":"It does also reduce how ongoing service fee for the year.","start":920.64,"end":923.6,"sentiment":"positive","sentiment_score":0.36048735000870447},{"text":"It saves you about $31, and your contributions continue to go in as they are currently, and your insurance premiums there as well.","start":923.6,"end":932.745,"sentiment":"positive","sentiment_score":0.37677190355632617},{"text":"Now you will note there is a difference in those.","start":932.745,"end":934.985,"sentiment":"neutral","sentiment_score":0.0020255018025636673}],"sentiment":"neutral","sentiment_score":0.2818880007313243,"num_words":58,"start":915.27997,"end":934.985},{"sentences":[{"text":"That's because we're looking at income protection, so it does mean the insurance premiums are gonna increase.","start":934.985,"end":939.96497,"sentiment":"neutral","sentiment_score":-0.047756657990462636},{"text":"But we've tried to minimize that as much as possible for you, and I'll take you through that shortly.","start":940.48004,"end":945.14,"sentiment":"neutral","sentiment_score":0.06596019344502374},{"text":"Okay?","start":945.36005,"end":945.86005,"sentiment":"neutral","sentiment_score":0.0390511229634285},{"text":"Underneath that, you've got essentially how the portfolio has been performing.","start":947.60004,"end":951.36005,"sentiment":"neutral","sentiment_score":0.08196224898777225},{"text":"So when we look at historical data, we know over the past five years, this portfolio has been averaging about 11.52%, and the bottom table is your projected outcomes.","start":951.36005,"end":962.615,"sentiment":"neutral","sentiment_score":0.118000704730893}],"sentiment":"neutral","sentiment_score":0.0623900881641871,"num_words":77,"start":934.985,"end":962.615},{"sentences":[{"text":"Factoring in the current versus the recommended over the next five to years, if the portfolio can obtain the 11.52%, you can sort of see where you're projected to be.","start":963.555,"end":973.45996,"sentiment":"neutral","sentiment_score":0.0019015409983694559},{"text":"Now you'll notice that that is a negative figure, and that is because of the insurance premium.","start":974.0,"end":979.065,"sentiment":"negative","sentiment_score":-0.4672086379107307},{"text":"So because we are looking to get income protection as well, it increases the insurance premium, and the insurance premiums coming out of your super do have a negative impact.","start":979.065,"end":988.10504,"sentiment":"negative","sentiment_score":-0.36225919872522355},{"text":"It does mean that you end up, you know, with a little bit less, But we've tried to limit that as much as possible.","start":988.10504,"end":994.47003,"sentiment":"neutral","sentiment_score":-0.26518637997408706},{"text":"But you can sort of see over the next ten years by making the change, we still estimate you should be able to get about 352,401 if the portfolio works the way it has.","start":994.47003,"end":1005.435,"sentiment":"neutral","sentiment_score":0.18699995713198886}],"sentiment":"neutral","sentiment_score":-0.13896111965317418,"num_words":135,"start":963.555,"end":1005.435},{"sentences":[{"text":"And we can do other things.","start":1005.995,"end":1007.435,"sentiment":"neutral","sentiment_score":0.24657260874907175},{"text":"We can build on that.","start":1007.435,"end":1008.475,"sentiment":"positive","sentiment_score":0.4133337676525116},{"text":"We can reduce the insurances as we need to.","start":1008.475,"end":1011.295,"sentiment":"neutral","sentiment_score":0.22379043781095082},{"text":"We can also look at additional contributions to keep building on that for you.","start":1011.515,"end":1015.515,"sentiment":"neutral","sentiment_score":0.2734886631369591},{"text":"Okay?","start":1015.515,"end":1016.015,"sentiment":"neutral","sentiment_score":0.09062056243419649}],"sentiment":"neutral","sentiment_score":0.2708480079259191,"num_words":35,"start":1005.995,"end":1016.015},{"sentences":[{"text":"Beautiful.","start":1017.755,"end":1018.255,"sentiment":"positive","sentiment_score":0.3858161270618438},{"text":"Does that make sense so far?","start":1018.475,"end":1019.755,"sentiment":"neutral","sentiment_score":0.19645890593528748},{"text":"Do you have any questions?","start":1019.755,"end":1020.895,"sentiment":"neutral","sentiment_score":0.02731524929404259},{"text":"No?","start":1023.08997,"end":1023.56995,"sentiment":"neutral","sentiment_score":0.0242927148938179},{"text":"Beautiful.","start":1023.56995,"end":1024.07,"sentiment":"neutral","sentiment_score":0.20917654037475583}],"sentiment":"neutral","sentiment_score":0.13818679031516826,"num_words":14,"start":1017.755,"end":1024.07},{"sentences":[{"text":"If you go down for me to page number 23, this is the insurance side of things.","start":1025.1699,"end":1030.95,"sentiment":"neutral","sentiment_score":0.04661364930079264},{"text":"Now at the moment, you do have your nearest life and TBD policy there.","start":1033.09,"end":1037.005,"sentiment":"neutral","sentiment_score":0.03538374203656401},{"text":"Your current sum insured is 327,302.","start":1037.005,"end":1041.505,"sentiment":"neutral","sentiment_score":0.02799850112448136},{"text":"These are paid out of your super funds, and the current cost of those for this year, essentially, was $2,481.30.","start":1041.7251,"end":1049.9651,"sentiment":"neutral","sentiment_score":0.03330978825688362},{"text":"That was how much paid out of the super fund.","start":1049.9651,"end":1052.55,"sentiment":"neutral","sentiment_score":0.03231049440801144}],"sentiment":"neutral","sentiment_score":0.03649397227746337,"num_words":67,"start":1025.1699,"end":1052.55},{"sentences":[{"text":"We get a bit of a 15% discount.","start":1052.55,"end":1054.79,"sentiment":"neutral","sentiment_score":0.09602540731430054},{"text":"So you know how taxation when contributions go into super, they're taxed at 15%?","start":1054.79,"end":1059.53,"sentiment":"neutral","sentiment_score":0.007656895796701845},{"text":"Yep.","start":1060.87,"end":1061.19,"sentiment":"neutral","sentiment_score":0.0643487274646759},{"text":"So how it works with insurance premiums is when the money is rolled out of your super fund to Neos, it actually doesn't leave the super system, and they give you a 15% discount.","start":1061.19,"end":1072.025,"sentiment":"neutral","sentiment_score":0.09304028990514138},{"text":"It's sort of how the rebate works from their end.","start":1072.085,"end":1074.825,"sentiment":"neutral","sentiment_score":0.08643276691436767}],"sentiment":"neutral","sentiment_score":0.07414098586643865,"num_words":67,"start":1052.55,"end":1074.825},{"sentences":[{"text":"So they actually received the $2,919.18, but you get a 15% discount on the premium paid out of super.","start":1075.045,"end":1083.82,"sentiment":"neutral","sentiment_score":0.09158613199466153},{"text":"So you've only paid the $2.04 $8.01 30, which is good to know.","start":1083.82,"end":1087.9199,"sentiment":"neutral","sentiment_score":0.1799528650366343},{"text":"It'd be great if we got those private discounts all the time, but that's essentially just the how the super system works.","start":1088.1399,"end":1095.3151,"sentiment":"neutral","sentiment_score":0.178372283550826},{"text":"Okay?","start":1095.535,"end":1096.035,"sentiment":"neutral","sentiment_score":0.03201965242624283},{"text":"So we are just gonna retain your life and TPD at the moment.","start":1098.095,"end":1101.235,"sentiment":"neutral","sentiment_score":0.12301975230758007}],"sentiment":"neutral","sentiment_score":0.14169103564584956,"num_words":68,"start":1075.045,"end":1101.235},{"sentences":[{"text":"You have made mention to me you were comfortable with that level of cover.","start":1101.375,"end":1104.415,"sentiment":"neutral","sentiment_score":0.1625163427421025},{"text":"We will keep reviewing that for you Every year as the policy goes through renewal, as you get older, the risk of you making a claim increases.","start":1104.415,"end":1112.9701,"sentiment":"neutral","sentiment_score":-0.057697110843879205},{"text":"So these policies do get more and more expensive.","start":1113.1101,"end":1115.53,"sentiment":"neutral","sentiment_score":-0.23047782315148246},{"text":"So I wanna make sure we review them with you, look at the level of cover you have, look at how much you're paying for these, and make sure we can reduce them back when we need to so that you're not it's not eating away all of your super.","start":1115.91,"end":1127.805,"sentiment":"neutral","sentiment_score":-0.004052985087037088},{"text":"That's one of the biggest risk factors with insurances inside super is because the premiums get more expensive, it has a greater effect on your super long term, and we wanna kind of try to reduce that as much as we possibly can whilst making sure you've got that level of cover to protect you in the event that something was to happen.","start":1128.025,"end":1145.95,"sentiment":"neutral","sentiment_score":-0.17366334874301204}],"sentiment":"neutral","sentiment_score":-0.07668916458846783,"num_words":163,"start":1101.375,"end":1145.95},{"sentences":[{"text":"Okay?","start":1146.01,"end":1146.51,"sentiment":"neutral","sentiment_score":0.047603338956832886},{"text":"Excellent.","start":1148.6951,"end":1148.935,"sentiment":"positive","sentiment_score":0.5363665819168091},{"text":"And so keeping the life and TPD in place as near.","start":1148.935,"end":1151.895,"sentiment":"positive","sentiment_score":0.39332373304800555},{"text":"There's no changes to those, but we'll keep reviewing those moving down.","start":1151.895,"end":1155.275,"sentiment":"neutral","sentiment_score":0.20829086378216743},{"text":"If you can go to page 27 for me, this is essentially looking at your income protection.","start":1155.895,"end":1160.875,"sentiment":"neutral","sentiment_score":0.06821449692634975}],"sentiment":"neutral","sentiment_score":0.20403970946513472,"num_words":42,"start":1146.01,"end":1160.875},{"sentences":[{"text":"So the one of the things that we talked about was that you are single, you've got a young daughter, and you work really hard.","start":1160.935,"end":1166.87,"sentiment":"neutral","sentiment_score":0.032171087339520454},{"text":"But what happens in the event that you're unable to go to work due to illness or injury, and you wanted to have just a level of cover to protect you in that event?","start":1166.87,"end":1174.8099,"sentiment":"neutral","sentiment_score":-0.0314330138704356},{"text":"We are looking at a ninety day waiting period and a five year benefit period, so it does mean you have to be off work for ninety days prior to making a claim.","start":1176.1649,"end":1184.9049,"sentiment":"neutral","sentiment_score":0.006505309223112735},{"text":"And, essentially, you can be on a claim for up to five years.","start":1185.205,"end":1188.6449,"sentiment":"neutral","sentiment_score":0.004225185284247765},{"text":"That was sort of the level you were comfortable with at the moment, and this is the best way to make it as cheap as possible, but still providing you with a level of benefit that you can use in the event of making a claim.","start":1188.6449,"end":1200.76,"sentiment":"neutral","sentiment_score":0.1932123713195324}],"sentiment":"neutral","sentiment_score":0.05889355235529558,"num_words":151,"start":1160.935,"end":1200.76},{"sentences":[{"text":"I we did that pre assessment as well.","start":1201.62,"end":1204.515,"sentiment":"neutral","sentiment_score":0.04870774783194065},{"text":"And because you do have that secondary occupation, I essentially went back and did a blind pre assessment with all the insurers, including Neos.","start":1204.595,"end":1213.175,"sentiment":"neutral","sentiment_score":-0.02233762914935748},{"text":"Neos actually came back as the most expensive.","start":1213.475,"end":1215.895,"sentiment":"neutral","sentiment_score":-0.24500982835888863},{"text":"They said they were going to essentially look at you as a a support services support worker, and that's actually a higher rated because those people who work after aged care, disability workers, things like that, they are actually at high risk of getting injured.","start":1216.035,"end":1233.365,"sentiment":"neutral","sentiment_score":-0.31576247413953146},{"text":"So insurance companies see that as a very high risk occupation.","start":1233.4249,"end":1236.8049,"sentiment":"negative","sentiment_score":-0.3759723928841678}],"sentiment":"neutral","sentiment_score":-0.2130367437688013,"num_words":96,"start":1201.62,"end":1236.8049},{"sentences":[{"text":"So Neos was actually gonna be charging close to about $5 for the year for the insurance premiums, and I wasn't happy with that.","start":1237.6649,"end":1244.7,"sentiment":"negative","sentiment_score":-0.549643291781346},{"text":"I did not want you to be eating away your super at a faster level.","start":1244.7799,"end":1248.3999,"sentiment":"negative","sentiment_score":-0.720665434996287},{"text":"So I went back and had a look at all the other insurers.","start":1249.4199,"end":1252.96,"sentiment":"neutral","sentiment_score":-0.07180225075437473},{"text":"The insurer we've gone with is Zurich, so it means you'll have two different insurers for your insurance policy.","start":1253.82,"end":1260.005,"sentiment":"neutral","sentiment_score":0.004444390682405547},{"text":"However, I will keep looking after that with you, and we'll make sure we review that.","start":1260.145,"end":1264.545,"sentiment":"neutral","sentiment_score":0.016503203427419066}],"sentiment":"neutral","sentiment_score":-0.28260178287010423,"num_words":87,"start":1237.6649,"end":1264.545},{"sentences":[{"text":"If you ever had to make a claim, we have to facilitate that for you to make it easier.","start":1264.545,"end":1269.285,"sentiment":"neutral","sentiment_score":0.06200428248236054},{"text":"Okay?","start":1269.585,"end":1270.085,"sentiment":"neutral","sentiment_score":0.016462087631225586},{"text":"Mhmm.","start":1274.02,"end":1274.52,"sentiment":"neutral","sentiment_score":-0.004265704192221165},{"text":"Mhmm.","start":1275.94,"end":1276.44,"sentiment":"neutral","sentiment_score":-0.0051985206082463264},{"text":"Yep.","start":1277.14,"end":1277.64,"sentiment":"neutral","sentiment_score":-0.006610925775021315}],"sentiment":"neutral","sentiment_score":0.05123775235741683,"num_words":23,"start":1264.545,"end":1277.64},{"sentences":[{"text":"Yep.","start":1280.5,"end":1281.0,"sentiment":"neutral","sentiment_score":-0.05168335884809494},{"text":"Unfortunately, no.","start":1284.225,"end":1285.265,"sentiment":"neutral","sentiment_score":-0.3125435709953308},{"text":"No.","start":1285.265,"end":1285.745,"sentiment":"neutral","sentiment_score":-0.26182836294174194},{"text":"They when we went when we because we were looking at that initially, we only have you made occupation.","start":1285.745,"end":1291.205,"sentiment":"neutral","sentiment_score":-0.13700846112088153},{"text":"When we did the pre assessment, you made mention you have that secondary job as well.","start":1291.505,"end":1295.6849,"sentiment":"neutral","sentiment_score":-0.09564472711645067}],"sentiment":"neutral","sentiment_score":-0.13005321176770407,"num_words":39,"start":1280.5,"end":1295.6849},{"sentences":[{"text":"And that was kind of the thing that pushed them up, and NeoSoft will know because of how often you do that.","start":1295.98,"end":1301.2799,"sentiment":"neutral","sentiment_score":-0.22628336670723828},{"text":"It's it's done every week for the amount of time you do.","start":1301.6599,"end":1304.38,"sentiment":"neutral","sentiment_score":-0.14765238016843796},{"text":"They were like, no.","start":1304.38,"end":1305.2599,"sentiment":"neutral","sentiment_score":-0.2657518535852432},{"text":"We're gonna go with the higher risk occupation, which is, in my opinion, not fair.","start":1305.2599,"end":1310.445,"sentiment":"negative","sentiment_score":-0.4052957952022552},{"text":"When I spoke to Zurich, they said that they would still, assess you as a administration worker, which is the best occupation rating we can get, and they're just going to exclude the secondary occupation.","start":1310.665,"end":1325.13,"sentiment":"neutral","sentiment_score":-0.18241498214857918}],"sentiment":"neutral","sentiment_score":-0.23042081076313148,"num_words":88,"start":1295.98,"end":1325.13},{"sentences":[{"text":"So it means that you can't claim the income protections for your secondary job.","start":1325.43,"end":1330.97,"sentiment":"neutral","sentiment_score":-0.20149408813033784},{"text":"However, it covers you for your main occupation, which essentially is your main source of income.","start":1331.03,"end":1336.865,"sentiment":"neutral","sentiment_score":-0.12466311547905207},{"text":"And if anything happens and you can't go to work and do your main role, being an admin worker, there's gonna be something really seriously wrong with you.","start":1337.485,"end":1345.965,"sentiment":"negative","sentiment_score":-0.591192534991673},{"text":"So it is really important to cover that.","start":1345.965,"end":1348.145,"sentiment":"neutral","sentiment_score":0.3130990583449602},{"text":"And the premiums came out much cheaper.","start":1349.19,"end":1351.6699,"sentiment":"positive","sentiment_score":0.5273027845791408}],"sentiment":"neutral","sentiment_score":-0.2078493986635992,"num_words":73,"start":1325.43,"end":1351.6699},{"sentences":[{"text":"So on ninety days waiting with a five year benefit period, the total premium they would charge for the first year estimated at 1,146 and 65¢, and out of your super comes $9.74 and 65¢.","start":1351.6699,"end":1366.6649,"sentiment":"neutral","sentiment_score":0.2859483293511651},{"text":"So it is a really good price occupation rating and gives you that level of cover at 70% of your main occupation, and it's just for that five ninety day waiting and five year benefit period.","start":1366.6649,"end":1379.49,"sentiment":"positive","sentiment_score":0.5476945079863071},{"text":"Okay?","start":1379.55,"end":1380.05,"sentiment":"neutral","sentiment_score":0.04789368063211441},{"text":"In the you're right.","start":1381.71,"end":1382.91,"sentiment":"neutral","sentiment_score":-0.10522394441068172},{"text":"Sorry.","start":1382.91,"end":1383.41,"sentiment":"neutral","sentiment_score":-0.17178460955619812}],"sentiment":"positive","sentiment_score":0.38144680599371594,"num_words":77,"start":1351.6699,"end":1383.41},{"sentences":[{"text":"You're right.","start":1384.67,"end":1385.41,"sentiment":"neutral","sentiment_score":-0.14997413754463196},{"text":"It means that you're still you're not able to claim on the income protection just solely for your second job.","start":1390.015,"end":1395.935,"sentiment":"neutral","sentiment_score":-0.17654354758560659},{"text":"But say if you broke your back and you couldn't do, you know, your second job every weekend and you went you still couldn't do your main occupation, you can still claim.","start":1395.935,"end":1405.96,"sentiment":"neutral","sentiment_score":-0.18715616664849222},{"text":"It's just based on your main occupation to say you broke your back and you were bedridden for, you know, that ninety days, and you couldn't even work it.","start":1406.02,"end":1413.3,"sentiment":"neutral","sentiment_score":-0.23586724737081036},{"text":"I mean, I personally if I'm hurt my back doing admin work laying down or it still hurts.","start":1413.3,"end":1419.275,"sentiment":"negative","sentiment_score":-0.39638545446925694}],"sentiment":"neutral","sentiment_score":-0.23559311795795318,"num_words":101,"start":1384.67,"end":1419.275},{"sentences":[{"text":"So things like that are still gonna be claimable, but it just means you need to not be able to go to your main occupation.","start":1419.3351,"end":1425.8351,"sentiment":"negative","sentiment_score":-0.3435735186934471},{"text":"And, realistically, if you hurt yourself in a way that you can't do your secondary job, realistically, you're probably gonna be off from your main occupation as well as an admin worker.","start":1426.055,"end":1435.5499,"sentiment":"neutral","sentiment_score":-0.27741120918653905},{"text":"I think insurers insurance assume admin workers are, you know, the the safest occupation because something has to be really, really wrong.","start":1436.1699,"end":1446.375,"sentiment":"neutral","sentiment_score":-0.11630936136299913},{"text":"But, I mean, I'm an acting worker.","start":1446.375,"end":1448.135,"sentiment":"neutral","sentiment_score":-0.16925851149218424},{"text":"I sit at a desk most of my day and things like that.","start":1448.135,"end":1451.195,"sentiment":"neutral","sentiment_score":-0.2121956738141867}],"sentiment":"neutral","sentiment_score":-0.24210763587193054,"num_words":99,"start":1419.3351,"end":1451.195},{"sentences":[{"text":"And in all honesty, when I have a bad back or sciatica pain, it really hurts.","start":1451.735,"end":1456.215,"sentiment":"negative","sentiment_score":-0.44839256443083286},{"text":"I have to stand up and sit down and move around, and it makes things really, really hard on me too.","start":1456.215,"end":1461.255,"sentiment":"negative","sentiment_score":-0.6216067756925311},{"text":"So there's actually quite a lot of things that could go wrong that stop you from doing both of your jobs, not just the secondary occupation.","start":1461.255,"end":1469.26,"sentiment":"neutral","sentiment_score":-0.2722950829909398},{"text":"Yeah.","start":1469.72,"end":1470.22,"sentiment":"neutral","sentiment_score":0.006500687450170517},{"text":"Yeah.","start":1471.88,"end":1472.38,"sentiment":"neutral","sentiment_score":0.17624667286872864}],"sentiment":"negative","sentiment_score":-0.41730689412126176,"num_words":65,"start":1451.735,"end":1472.38},{"sentences":[{"text":"In the appendices, which is attached to that docu the OdoSign there as a it's an attachment on your main email.","start":1473.1599,"end":1481.085,"sentiment":"neutral","sentiment_score":0.08835526839608238},{"text":"I've also got the comparison in there for the different insurers on with the alternatives that I considered.","start":1481.465,"end":1489.11,"sentiment":"neutral","sentiment_score":0.09805496202574836},{"text":"So I also looked at a thirty day waiting period and a two year benefit period.","start":1489.11,"end":1493.29,"sentiment":"neutral","sentiment_score":0.029908793163485825},{"text":"That essentially means that you just have to be off work for thirty days prior to making a claim, and the two year benefit period means the claim stops at two years.","start":1493.5901,"end":1501.93,"sentiment":"neutral","sentiment_score":-0.014551427215337753},{"text":"Sorry.","start":1502.385,"end":1502.885,"sentiment":"neutral","sentiment_score":-0.1428581476211548}],"sentiment":"neutral","sentiment_score":0.03966462301005694,"num_words":88,"start":1473.1599,"end":1502.885},{"sentences":[{"text":"Zurich is still paying out the cheapest fare.","start":1504.145,"end":1507.365,"sentiment":"neutral","sentiment_score":-0.0761365971993655},{"text":"It's the thirty day waiting period is making the policies more expensive, but it is more expensive than essentially what we had recommended.","start":1508.0651,"end":1515.845,"sentiment":"neutral","sentiment_score":-0.1532289706494497},{"text":"And I also looked at an alternative of a ninety day wait and a two year benefit.","start":1516.9401,"end":1521.04,"sentiment":"neutral","sentiment_score":0.08407195043914459},{"text":"Zurich, again, came out the best option.","start":1521.42,"end":1523.68,"sentiment":"neutral","sentiment_score":0.2831009498664311},{"text":"It does reduce the premium to about $732, so it is cheaper than what was recommended.","start":1523.74,"end":1529.92,"sentiment":"neutral","sentiment_score":0.2702203458175063}],"sentiment":"neutral","sentiment_score":0.0507196653109621,"num_words":71,"start":1504.145,"end":1529.92},{"sentences":[{"text":"But my main reason for recommending a five year benefit period is that more well, ninety percent of claims are finished within that first two years.","start":1530.535,"end":1540.215,"sentiment":"neutral","sentiment_score":0.11718275441000095},{"text":"There is a risk of being on a partial claim, especially in your main occupation where you could work one, two, or three days a week and still be getting some of that income protection policy as a buffer.","start":1540.215,"end":1552.4501,"sentiment":"neutral","sentiment_score":-0.09848000147403815},{"text":"And those sorts of claims can start from one to two year to three years onwards.","start":1552.67,"end":1557.63,"sentiment":"neutral","sentiment_score":-0.024807175737805665},{"text":"So having that five year benefit period just reduces the risk level a little bit more for you.","start":1557.63,"end":1563.485,"sentiment":"neutral","sentiment_score":0.23414351460006502},{"text":"Does that make sense?","start":1563.485,"end":1564.625,"sentiment":"neutral","sentiment_score":0.13571094162762165}],"sentiment":"neutral","sentiment_score":0.03462663858911945,"num_words":103,"start":1530.535,"end":1564.625},{"sentences":[{"text":"Yeah.","start":1565.005,"end":1565.505,"sentiment":"neutral","sentiment_score":0.08588090538978577},{"text":"Yeah.","start":1565.885,"end":1566.385,"sentiment":"neutral","sentiment_score":0.23748639225959775},{"text":"Beautiful.","start":1566.6051,"end":1567.1051,"sentiment":"positive","sentiment_score":0.5391612648963928},{"text":"That so that's essentially the recommendation with the insurances there.","start":1568.365,"end":1572.06,"sentiment":"neutral","sentiment_score":0.16500980779528618},{"text":"And all up, as per that projection table, we do estimate with the first year's premium, the total deducted from Super is $3,456.","start":1572.14,"end":1581.8201,"sentiment":"neutral","sentiment_score":0.16848003734713016}],"sentiment":"neutral","sentiment_score":0.17743520831896198,"num_words":36,"start":1565.005,"end":1581.8201},{"sentences":[{"text":"That's the Zurich policy as well as the nearest life and TV that you do currently already hold.","start":1581.8201,"end":1587.92,"sentiment":"neutral","sentiment_score":0.15383284332023728},{"text":"Okay.","start":1588.165,"end":1588.665,"sentiment":"neutral","sentiment_score":0.10687816888093948},{"text":"Yeah.","start":1589.285,"end":1589.785,"sentiment":"neutral","sentiment_score":0.25033724308013916},{"text":"Beautiful.","start":1590.085,"end":1590.585,"sentiment":"neutral","sentiment_score":0.008863639086484909},{"text":"Underneath that page, if you go down, you'll see we've also got the free assessment results there, and it just notes that for the income protection, the secondary occupation would be excluded.","start":1592.085,"end":1601.625,"sentiment":"neutral","sentiment_score":-0.013896008807932958}],"sentiment":"neutral","sentiment_score":0.05076222545203735,"num_words":53,"start":1581.8201,"end":1601.625},{"sentences":[{"text":"In order to have this policy placed in force, we do need to do an application.","start":1602.6599,"end":1606.36,"sentiment":"neutral","sentiment_score":0.02626706543378532},{"text":"So if you're happy to take your recommendations, my team will book you in for an application with my colleague, Jack.","start":1606.5,"end":1612.2599,"sentiment":"neutral","sentiment_score":0.22655389245067323},{"text":"Or if you prefer to speak to one of those girls, I can organize it with Sammy, my admin worker.","start":1612.2599,"end":1616.58,"sentiment":"neutral","sentiment_score":0.19534518085420133},{"text":"She's beautiful.","start":1616.58,"end":1617.3999,"sentiment":"positive","sentiment_score":0.828780859708786},{"text":"And they just go through an in-depth application with you to apply for the cover the same as you would have gone through for Neos.","start":1617.675,"end":1625.135,"sentiment":"positive","sentiment_score":0.34296449899673465}],"sentiment":"neutral","sentiment_score":0.2299581261883889,"num_words":84,"start":1602.6599,"end":1625.135},{"sentences":[{"text":"That application goes through the underwriting.","start":1625.675,"end":1627.6951,"sentiment":"neutral","sentiment_score":0.05169559052834908},{"text":"We kinda went to the pre assessment.","start":1628.4751,"end":1630.0751,"sentiment":"neutral","sentiment_score":0.0012092853763273784},{"text":"There was nothing that came out that flagged, but any changes to your health, if there's anything that flags that could be of a higher risk, then there is the risk of them having exclusions or loadings applied to the policy.","start":1630.0751,"end":1641.89,"sentiment":"neutral","sentiment_score":-0.17655867810656384},{"text":"But, I mean, we did the the pre assessment.","start":1642.03,"end":1644.61,"sentiment":"neutral","sentiment_score":0.06577533069584104},{"text":"You're pretty healthy.","start":1644.825,"end":1645.7849,"sentiment":"neutral","sentiment_score":0.28941962619622547}],"sentiment":"neutral","sentiment_score":-0.08272773343505281,"num_words":66,"start":1625.675,"end":1645.7849},{"sentences":[{"text":"It's just that secondary occupation that flagged for us.","start":1645.7849,"end":1648.845,"sentiment":"neutral","sentiment_score":0.06621351920896107},{"text":"And Zurich have already confirmed that they'll just exclude that occupation from your income protection policy.","start":1648.985,"end":1654.6849,"sentiment":"neutral","sentiment_score":-0.05754019494634122},{"text":"Okay.","start":1654.9049,"end":1655.4049,"sentiment":"neutral","sentiment_score":0.0011489493772387505},{"text":"28, if you go to 29, at the bottom here, you've got the projection table there with your current and recommended, but it also shows you the difference.","start":1659.04,"end":1672.02,"sentiment":"neutral","sentiment_score":0.007426306289354605},{"text":"The projection, if you did not pay insurance to that.","start":1672.435,"end":1675.555,"sentiment":"neutral","sentiment_score":-0.05514826290309429}],"sentiment":"neutral","sentiment_score":-0.010423727340821642,"num_words":64,"start":1645.7849,"end":1675.555},{"sentences":[{"text":"So you can see that column?","start":1675.555,"end":1676.855,"sentiment":"neutral","sentiment_score":0.002880614250898361},{"text":"Yeah.","start":1679.0751,"end":1679.475,"sentiment":"neutral","sentiment_score":0.0029453979805111885},{"text":"So it just sort of shows you and because we kind of know that insurance premiums do get more expensive over time and they do have an effect on your super, We wanna try and limit that effect as much as possible, but this shows you the same.","start":1679.475,"end":1692.67,"sentiment":"neutral","sentiment_score":-0.09947720138976972},{"text":"The projection table above with your current the recommended, but then if you did not pay any insurances inside the super fund, where you could end up over the next sort of five to ten years.","start":1692.97,"end":1704.925,"sentiment":"neutral","sentiment_score":-0.020440039173182514},{"text":"So looking at that, it's not a huge difference.","start":1705.145,"end":1708.445,"sentiment":"neutral","sentiment_score":0.05226275780134731}],"sentiment":"neutral","sentiment_score":-0.050201531732454896,"num_words":100,"start":1675.555,"end":1708.445},{"sentences":[{"text":"It's only a minor difference, really, to give you a level of cover to protect you.","start":1708.505,"end":1714.105,"sentiment":"neutral","sentiment_score":0.14740837946010288},{"text":"It works out to be over ten years, about $51,000, but it could definitely be worse.","start":1714.105,"end":1719.75,"sentiment":"neutral","sentiment_score":-0.27872566133737564},{"text":"Okay?","start":1721.65,"end":1722.15,"sentiment":"neutral","sentiment_score":-0.17592878639698029},{"text":"It's one of those things.","start":1722.37,"end":1723.25,"sentiment":"neutral","sentiment_score":-0.18292844593524932},{"text":"It's a bit of a juggling act.","start":1723.25,"end":1724.93,"sentiment":"neutral","sentiment_score":-0.2673155495098659}],"sentiment":"neutral","sentiment_score":-0.11250791939285894,"num_words":45,"start":1708.505,"end":1724.93},{"sentences":[{"text":"We know it's gonna have an impact on super because they're paying for those premiums, but at the same time, having that level of protection or insurance to cover up in the event that something happens is really important.","start":1724.93,"end":1736.0249,"sentiment":"neutral","sentiment_score":-0.15430972572320548},{"text":"And trying to limit that as much as possible, and also making sure I mean, the biggest risk we have with insurance is is that we pay the premiums.","start":1736.485,"end":1744.745,"sentiment":"neutral","sentiment_score":-0.28411235711697874},{"text":"We get to the time that we have a lovely sick balance, and we haven't claimed on any of the insurances, and we end up just canceling them or they just, you know, expire.","start":1744.8049,"end":1753.03,"sentiment":"negative","sentiment_score":-0.3853386789560318},{"text":"So that's ultimately the biggest risk with having insurance policy.","start":1753.73,"end":1757.4299,"sentiment":"neutral","sentiment_score":-0.3225564733147621},{"text":"Yeah.","start":1759.09,"end":1759.59,"sentiment":"neutral","sentiment_score":-0.06147824600338936}],"sentiment":"neutral","sentiment_score":-0.27120261701994236,"num_words":113,"start":1724.93,"end":1759.59},{"sentences":[{"text":"Do you have have any questions at the moment at all?","start":1761.145,"end":1764.045,"sentiment":"neutral","sentiment_score":-0.015592403709888458},{"text":"Yeah.","start":1766.1849,"end":1766.6849,"sentiment":"neutral","sentiment_score":-0.029159830883145332},{"text":"Yep.","start":1772.105,"end":1772.605,"sentiment":"neutral","sentiment_score":-0.03369826078414917},{"text":"Yeah.","start":1783.8501,"end":1784.3501,"sentiment":"neutral","sentiment_score":-0.09183649718761444},{"text":"So, normally, by the time by the time we turn 60 or 65, depending on our comfort level, we don't normally need to have that income protection anymore.","start":1784.41,"end":1793.095,"sentiment":"neutral","sentiment_score":-0.10375860320138079}],"sentiment":"neutral","sentiment_score":-0.07693933141196058,"num_words":42,"start":1761.145,"end":1793.095},{"sentences":[{"text":"Because under the current legislation, at the age of 60, if you're unable to work or if you retire, you get access to your super fully.","start":1793.6349,"end":1803.12,"sentiment":"neutral","sentiment_score":-0.15001053950534418},{"text":"So, realistically, if you get to 60 in ten years' time and, you know, you've still got that income protection, you still wanna work longer, but if you hurt yourself, realistically, we could cancel that cover because if you're unable to go to work, we just sign the declaration to say you're not working anymore, and you get access to your super benefit wholly, and it's all tax free.","start":1803.12,"end":1825.025,"sentiment":"neutral","sentiment_score":-0.07729062629674656},{"text":"Yeah.","start":1825.245,"end":1825.745,"sentiment":"neutral","sentiment_score":0.05003336817026138},{"text":"Yeah.","start":1826.765,"end":1827.265,"sentiment":"neutral","sentiment_score":0.12558917701244354},{"text":"Yep.","start":1828.26,"end":1828.76,"sentiment":"neutral","sentiment_score":0.209109827876091}],"sentiment":"neutral","sentiment_score":-0.09029178437301699,"num_words":98,"start":1793.6349,"end":1828.76},{"sentences":[{"text":"Beautiful.","start":1828.9,"end":1829.4,"sentiment":"positive","sentiment_score":0.526774525642395},{"text":"All good.","start":1830.66,"end":1831.48,"sentiment":"positive","sentiment_score":0.4574509859085083},{"text":"Under each of those pages, I'll give you time to go back and read them.","start":1832.02,"end":1835.3,"sentiment":"neutral","sentiment_score":0.09145511090755462},{"text":"I know this is quite a lot.","start":1835.3,"end":1836.84,"sentiment":"neutral","sentiment_score":-0.06819794220583779},{"text":"So feel free to read to the recommendations, the advantages, the disadvantages, the risks involved, and the interest duty there as well.","start":1837.22,"end":1844.795,"sentiment":"neutral","sentiment_score":0.18858561224558137}],"sentiment":"neutral","sentiment_score":0.13797874542626928,"num_words":47,"start":1828.9,"end":1844.795},{"sentences":[{"text":"Okay?","start":1844.795,"end":1845.295,"sentiment":"neutral","sentiment_score":0.132185697555542},{"text":"If you go down to page number 35 for me, this is the recommendations around the estate planning side of things, the beneficiary nominations.","start":1847.115,"end":1855.615,"sentiment":"neutral","sentiment_score":0.16278493435432514},{"text":"Perfect.","start":1858.6799,"end":1859.1799,"sentiment":"positive","sentiment_score":0.7017842531204224},{"text":"So we sort of talked about what was important to you.","start":1859.4,"end":1861.96,"sentiment":"positive","sentiment_score":0.35445385629480536},{"text":"And in the event of something happening, that you wanted all of your senior and life insurance to be paid to your daughter.","start":1861.96,"end":1868.62,"sentiment":"neutral","sentiment_score":0.18055069414169891}],"sentiment":"neutral","sentiment_score":0.21320777932802837,"num_words":60,"start":1844.795,"end":1868.62},{"sentences":[{"text":"Now she's a minor, so she's under the age of 18.","start":1868.76,"end":1871.82,"sentiment":"neutral","sentiment_score":0.007927084172313864},{"text":"And one of the biggest things I do like to make mention is that while children our our children are beneficiaries under the SIS Act and under the Tax Act, which means that in the event of a claim, the amount is paid directly completely tax free.","start":1872.215,"end":1886.875,"sentiment":"neutral","sentiment_score":0.09489563686099459},{"text":"However, it doesn't go to her directly.","start":1887.3,"end":1889.4,"sentiment":"neutral","sentiment_score":-0.13121005254132406},{"text":"If you were to pass away, the money has to be dealt with by an adult, so it would be her guardian.","start":1889.8601,"end":1896.04,"sentiment":"neutral","sentiment_score":-0.21243158660151742},{"text":"And my biggest thing with the way this system works is that the guardian then has to make the decision for the child on whether it's taken as a lump sum or a pension payment, and that's taken out of your hands, unfortunately.","start":1897.14,"end":1911.155,"sentiment":"neutral","sentiment_score":-0.2637977477076442}],"sentiment":"neutral","sentiment_score":-0.09529211973914734,"num_words":130,"start":1868.76,"end":1911.155},{"sentences":[{"text":"So I'm recommending that we update the beneficiary nomination to the legal personal representative.","start":1911.6951,"end":1916.8351,"sentiment":"neutral","sentiment_score":0.09649591733302389},{"text":"That means that in the event of you passing, the money is paid direct to your estate.","start":1917.45,"end":1922.11,"sentiment":"neutral","sentiment_score":0.08786097563364927},{"text":"You can then have a will drawn up by a solicitor, have it set up as a a trust, and then in that trust, you have a lot more control.","start":1922.57,"end":1931.295,"sentiment":"neutral","sentiment_score":0.173396797478199},{"text":"You can nominate who's gonna be the executor of that trust, how whether money is held until she's 18 or whether a regular pension is or income stream is, you know, given to her over time.","start":1931.295,"end":1943.315,"sentiment":"neutral","sentiment_score":0.1539447144087818},{"text":"You have a lot more control on how that money is dealt with in the event of you passing.","start":1944.1,"end":1948.9199,"sentiment":"neutral","sentiment_score":0.21504996560121836}],"sentiment":"neutral","sentiment_score":0.1523658829131003,"num_words":116,"start":1911.6951,"end":1948.9199},{"sentences":[{"text":"And that essentially means that the money is more likely to get to your 10 year old daughter rather than just being drawn out as a full lump sum by the guardian, and then there's no control over what happens to that money.","start":1949.2999,"end":1962.1951,"sentiment":"neutral","sentiment_score":0.09779608401274958},{"text":"Unfortunately, I've seen it way too many times where the guardian's drawn the money out.","start":1962.495,"end":1967.535,"sentiment":"negative","sentiment_score":-0.6923657695452372},{"text":"It's being spent wasted.","start":1967.535,"end":1969.3151,"sentiment":"negative","sentiment_score":-0.6417626403272152},{"text":"It hasn't gotten to the child, hasn't done what the the person nominate the person who passed away really intended, and it does make it very, very difficult and can, you know, lead to a lot of dramas.","start":1969.855,"end":1982.47,"sentiment":"negative","sentiment_score":-0.5453287268939772},{"text":"And and then with my will, to give you a bit of an example, I've been married twice.","start":1982.47,"end":1987.1849,"sentiment":"neutral","sentiment_score":-0.12455746862623426}],"sentiment":"neutral","sentiment_score":-0.26874433516256385,"num_words":118,"start":1949.2999,"end":1987.1849},{"sentences":[{"text":"So with my estate planning side of things, my two eldest children were to my ex husband, and he was terrible with money.","start":1987.1849,"end":1993.425,"sentiment":"neutral","sentiment_score":-0.2741215368327887},{"text":"He could not hold a dollar in his hand less than a week.","start":1993.425,"end":1996.565,"sentiment":"negative","sentiment_score":-0.4651018908390632},{"text":"So I set it up that all of my funds would go into my will the same way with legal personal representative.","start":1996.865,"end":2004.0299,"sentiment":"neutral","sentiment_score":-0.045566441999240356},{"text":"And then I set up with my sister, and my new husband's sister were joint executives and trustees.","start":2004.49,"end":2010.11,"sentiment":"neutral","sentiment_score":0.005653970150483979},{"text":"That essentially meant that because under the law, my daughters would go back to my ex husband if I was to pass away, he would not get access to any funds unless he asked my sister, my sister-in-law, for money and declared the reason he needed it.","start":2010.6499,"end":2026.595,"sentiment":"neutral","sentiment_score":-0.03143727628791586}],"sentiment":"neutral","sentiment_score":-0.1197509119908015,"num_words":123,"start":1987.1849,"end":2026.595},{"sentences":[{"text":"So it meant that that money was gonna be used for my children's education, and it wasn't gonna be all wasted in one place.","start":2026.595,"end":2033.2301,"sentiment":"neutral","sentiment_score":0.0632168563703696},{"text":"And because I have a a third child to my my second husband, I didn't want them to be disadvantaged.","start":2033.2301,"end":2039.25,"sentiment":"neutral","sentiment_score":-0.20356567464768888},{"text":"I wanted all three of my kids to be looked after.","start":2039.4701,"end":2041.9501,"sentiment":"neutral","sentiment_score":0.1676354245706038},{"text":"So it just gives you a lot more control.","start":2041.9501,"end":2045.325,"sentiment":"positive","sentiment_score":0.3942665325270759},{"text":"It is a little bit more expensive to do it that way to have a will drawn up, but you've worked so hard.","start":2045.385,"end":2051.405,"sentiment":"neutral","sentiment_score":-0.023865560960510502}],"sentiment":"neutral","sentiment_score":0.02631461633176639,"num_words":87,"start":2026.595,"end":2051.405},{"sentences":[{"text":"And you've got this beautiful little girl, and you wanna make sure that everything is looked after and that everything is, you know, directed where you want it to go.","start":2051.625,"end":2061.01,"sentiment":"positive","sentiment_score":0.5135720779498418},{"text":"So having your will drawn up correctly only gives you that little bit of extra protection for you and your daughter.","start":2061.55,"end":2067.57,"sentiment":"positive","sentiment_score":0.3396815969830468},{"text":"Yeah.","start":2067.71,"end":2068.21,"sentiment":"neutral","sentiment_score":0.20350605249404907},{"text":"Yeah.","start":2083.155,"end":2083.555,"sentiment":"neutral","sentiment_score":0.14859741926193237},{"text":"Yeah.","start":2083.555,"end":2084.055,"sentiment":"neutral","sentiment_score":0.0694638192653656}],"sentiment":"positive","sentiment_score":0.42522302159556635,"num_words":54,"start":2051.625,"end":2084.055},{"sentences":[{"text":"Yes.","start":2088.19,"end":2088.43,"sentiment":"neutral","sentiment_score":0.14748477935791016},{"text":"Yes.","start":2088.43,"end":2088.8298,"sentiment":"neutral","sentiment_score":-0.01156423892825842},{"text":"So because your sister unfortunately, when we look at the beneficiary system for Super, there's two forms of legislation that we have to abide by to have a valid nomination.","start":2088.8298,"end":2098.6099,"sentiment":"neutral","sentiment_score":-0.12355214009682337},{"text":"The first is the CISAT, which notes that a beneficiary can be a child of any age, a spouse, an interdependent relationship with someone who lives with us, who relies on us financially, and anyone with an interdependent relationship.","start":2099.345,"end":2113.86,"sentiment":"neutral","sentiment_score":-0.011830202638147732},{"text":"So exactly the same thing.","start":2113.92,"end":2115.12,"sentiment":"neutral","sentiment_score":0.04903040528297424}],"sentiment":"neutral","sentiment_score":-0.04982723077563079,"num_words":76,"start":2088.19,"end":2115.12},{"sentences":[{"text":"They just have two birds for it.","start":2115.12,"end":2116.74,"sentiment":"neutral","sentiment_score":0.09537114522286824},{"text":"Essentially, under that, your child, whether they're over 18 or 18, fully fit that criteria.","start":2117.68,"end":2125.1401,"sentiment":"neutral","sentiment_score":0.09729251066843668},{"text":"Your system, unfortunately, doesn't.","start":2125.745,"end":2127.445,"sentiment":"neutral","sentiment_score":-0.19205975160002708},{"text":"But then in order once the beneficiary is set up and to have it paid down, it then also has to meet the tax act.","start":2127.985,"end":2134.565,"sentiment":"neutral","sentiment_score":-0.055136729031801224},{"text":"And that means that beneficiaries who are valid receive the benefit fully tax free if they are your current spouse, a child under the age of 18, or a child 21 if they're fully financially dependent on you, or, again, whether it's a dependent or financial relationship.","start":2134.625,"end":2153.785,"sentiment":"neutral","sentiment_score":0.030797837896549954}],"sentiment":"neutral","sentiment_score":0.014569661484993234,"num_words":98,"start":2115.12,"end":2153.785},{"sentences":[{"text":"And any children over the age of 18, unfortunately, have to pay tax.","start":2155.445,"end":2160.105,"sentiment":"neutral","sentiment_score":-0.22293362193382704},{"text":"Tax can be up with a 17% on the benefit.","start":2160.165,"end":2163.305,"sentiment":"neutral","sentiment_score":-0.14037235714495183},{"text":"So having it paid to your sister through your will, again, gives you more control.","start":2163.62,"end":2168.26,"sentiment":"neutral","sentiment_score":0.28730729619661965},{"text":"You can have a trust set up.","start":2168.26,"end":2169.62,"sentiment":"positive","sentiment_score":0.35189442123685566},{"text":"You can direct what you want done with the funds, how you want it paid to your daughter, how you want her to look after your daughter.","start":2169.62,"end":2175.8801,"sentiment":"neutral","sentiment_score":0.2974380205074946}],"sentiment":"neutral","sentiment_score":0.14585883734333846,"num_words":72,"start":2155.445,"end":2175.8801},{"sentences":[{"text":"And it just means that you get a lot more control around that as well.","start":2176.2952,"end":2179.7551,"sentiment":"neutral","sentiment_score":0.319316100080808},{"text":"So doing it this way is absolutely the best way for you.","start":2180.0552,"end":2183.2551,"sentiment":"positive","sentiment_score":0.4192165459195773},{"text":"Yeah.","start":2183.2551,"end":2183.7551,"sentiment":"neutral","sentiment_score":0.0536130964756012},{"text":"Yeah.","start":2187.175,"end":2187.675,"sentiment":"neutral","sentiment_score":-0.01934985443949699},{"text":"Your daughter?","start":2189.71,"end":2190.37,"sentiment":"neutral","sentiment_score":-0.025267761200666428}],"sentiment":"neutral","sentiment_score":0.3162602507058651,"num_words":31,"start":2176.2952,"end":2190.37},{"sentences":[{"text":"Yeah.","start":2190.4302,"end":2190.6702,"sentiment":"neutral","sentiment_score":0.003965126350522041},{"text":"She is.","start":2190.6702,"end":2191.31,"sentiment":"neutral","sentiment_score":0.005331289023160935},{"text":"Yeah.","start":2191.31,"end":2191.79,"sentiment":"neutral","sentiment_score":0.03484809771180153},{"text":"Yeah.","start":2191.79,"end":2192.29,"sentiment":"neutral","sentiment_score":0.06456193327903748},{"text":"Yep.","start":2193.07,"end":2193.47,"sentiment":"neutral","sentiment_score":0.1186881884932518}],"sentiment":"neutral","sentiment_score":0.03878765398015579,"num_words":6,"start":2190.4302,"end":2193.47},{"sentences":[{"text":"And my team can pre fill the document for you and have that sent out, so you just have to tick the box.","start":2193.47,"end":2199.01,"sentiment":"neutral","sentiment_score":0.17980616960836493},{"text":"And I can send you an email with some information on a local solicitor that we can use, but also I can grab, like, the each state has, like, a government trustee that can set up wills very cheaply for you.","start":2199.47,"end":2211.2952,"sentiment":"neutral","sentiment_score":0.2048844453401682},{"text":"They can be done over the phone or at your local office.","start":2211.2952,"end":2214.195,"sentiment":"neutral","sentiment_score":0.25016974781950313},{"text":"And I can get you that information as well if you like to make it easier on you.","start":2214.3352,"end":2217.96,"sentiment":"positive","sentiment_score":0.34681064552730984},{"text":"Yeah.","start":2220.1199,"end":2220.6199,"sentiment":"neutral","sentiment_score":0.15919692814350128}],"sentiment":"neutral","sentiment_score":0.2309434703306148,"num_words":95,"start":2193.47,"end":2220.6199},{"sentences":[{"text":"No.","start":2230.375,"end":2230.615,"sentiment":"neutral","sentiment_score":-0.1831544041633606},{"text":"For your daughter, no.","start":2230.615,"end":2231.5752,"sentiment":"neutral","sentiment_score":-0.2311573624610901},{"text":"So we'll change the beneficiary fee legal personal representative and direct the funds through to your to your will.","start":2231.5752,"end":2237.8352,"sentiment":"neutral","sentiment_score":-0.00046401029746783443},{"text":"Yeah.","start":2239.495,"end":2239.995,"sentiment":"neutral","sentiment_score":0.04325944930315018},{"text":"It will be important that once the beneficiary is updated that a will is done Because if we nominate legal personal representative and you still haven't got a will done and you passed away, then everything is paid to your estate, and it all goes through probate.","start":2240.2952,"end":2255.0598,"sentiment":"neutral","sentiment_score":-0.1096342661754882}],"sentiment":"neutral","sentiment_score":-0.08647432098061675,"num_words":72,"start":2230.375,"end":2255.0598},{"sentences":[{"text":"And that's a pretty horrible process.","start":2255.0598,"end":2257.0598,"sentiment":"negative","sentiment_score":-0.5345490326484045},{"text":"It's basically where it goes to the court system.","start":2257.0598,"end":2259.7952,"sentiment":"negative","sentiment_score":-0.375972631904814},{"text":"So, yeah, just making sure your will is drawn up.","start":2261.135,"end":2263.455,"sentiment":"neutral","sentiment_score":-0.0978315033018589},{"text":"We can hold off on changing the beneficiaries until your will is in place.","start":2263.455,"end":2267.135,"sentiment":"neutral","sentiment_score":-0.07597608717956714},{"text":"That's not a problem at all.","start":2267.135,"end":2268.835,"sentiment":"neutral","sentiment_score":0.049725295354922615}],"sentiment":"neutral","sentiment_score":-0.18521503032081657,"num_words":45,"start":2255.0598,"end":2268.835},{"sentences":[{"text":"Yeah.","start":2269.53,"end":2270.03,"sentiment":"neutral","sentiment_score":0.07600724697113037},{"text":"Yep.","start":2271.53,"end":2272.03,"sentiment":"neutral","sentiment_score":0.05104098841547966},{"text":"That's that's okay.","start":2272.73,"end":2274.33,"sentiment":"neutral","sentiment_score":0.1316264607012272},{"text":"Well, I'll do that research.","start":2274.33,"end":2275.69,"sentiment":"neutral","sentiment_score":0.182187420129776},{"text":"You'll probably, on Monday, ask me to, like, get that through to you, but I'll do a bit of research on the local trustee for you.","start":2275.69,"end":2281.905,"sentiment":"neutral","sentiment_score":0.14626971832834756}],"sentiment":"neutral","sentiment_score":0.14544103874100578,"num_words":36,"start":2269.53,"end":2281.905},{"sentences":[{"text":"And I can I'll see if I can get the email over the weekend to make it easier.","start":2282.305,"end":2285.925,"sentiment":"neutral","sentiment_score":0.13858447472254434},{"text":"But I'll send you an email which outlines some information on the local solicitor that we use and the costing that we can refer you through to, but also your local trustee's office so you can have a bit of a look at that and kind of work out which option is better for yourself.","start":2286.545,"end":2300.84,"sentiment":"neutral","sentiment_score":0.143797106905417},{"text":"Okay.","start":2301.3,"end":2301.8,"sentiment":"neutral","sentiment_score":0.057647913694381714},{"text":"Yep.","start":2306.26,"end":2306.76,"sentiment":"neutral","sentiment_score":0.07555186748504639},{"text":"All good.","start":2316.725,"end":2317.465,"sentiment":"neutral","sentiment_score":0.24250903725624084}],"sentiment":"neutral","sentiment_score":0.14313739325319016,"num_words":77,"start":2282.305,"end":2317.465},{"sentences":[{"text":"Yeah.","start":2317.685,"end":2318.185,"sentiment":"neutral","sentiment_score":0.0558529868721962},{"text":"Yeah.","start":2321.045,"end":2321.545,"sentiment":"neutral","sentiment_score":0.04935204237699509},{"text":"Absolutely.","start":2327.9102,"end":2328.4102,"sentiment":"positive","sentiment_score":0.4557765424251557},{"text":"Absolutely.","start":2332.31,"end":2332.81,"sentiment":"positive","sentiment_score":0.45595473051071167},{"text":"And you can sort of have a think about what's gonna be right for you and how how you wanna set up.","start":2333.51,"end":2338.295,"sentiment":"positive","sentiment_score":0.3728920194235715}],"sentiment":"positive","sentiment_score":0.3546369511347551,"num_words":26,"start":2317.685,"end":2338.295},{"sentences":[{"text":"And, yeah, have a chat to your brother.","start":2338.295,"end":2339.6548,"sentiment":"neutral","sentiment_score":0.27460182132199407},{"text":"It's always worth having a chat with people who have recently set up a will, what they thought of the person that did it, how they went through it, what they were asked.","start":2339.6548,"end":2347.015,"sentiment":"neutral","sentiment_score":0.24071973697705704},{"text":"It kinda gives you an idea of what you're sort of walking into because every solicitor lawyer, everyone does them differently.","start":2347.015,"end":2354.0898,"sentiment":"neutral","sentiment_score":0.13879117866357168},{"text":"And, yeah, it's just what's right for you at the end of the day.","start":2355.1099,"end":2357.8298,"sentiment":"positive","sentiment_score":0.4172571876219341},{"text":"It's one of the hardest things we have to sort of think about, but it is definitely one of those things that's worth thinking about and protecting everything.","start":2357.8298,"end":2364.95,"sentiment":"neutral","sentiment_score":0.1639273278415203}],"sentiment":"neutral","sentiment_score":0.22583410047137967,"num_words":104,"start":2338.295,"end":2364.95},{"sentences":[{"text":"You've worked way too hard to let it all kinda just hope for the best.","start":2364.95,"end":2369.595,"sentiment":"neutral","sentiment_score":-0.0533809086928765},{"text":"Yeah.","start":2369.895,"end":2370.395,"sentiment":"neutral","sentiment_score":0.1383204609155655},{"text":"Yeah.","start":2372.6948,"end":2373.1948,"sentiment":"neutral","sentiment_score":0.1926892101764679},{"text":"Oh, good.","start":2374.2148,"end":2375.115,"sentiment":"positive","sentiment_score":0.40229882299900055},{"text":"And underneath that, I've got, obviously, setting up a will and a power of attorney because that, again, is just really important to make sure that is all considered as well.","start":2375.9749,"end":2383.93,"sentiment":"neutral","sentiment_score":0.31574433609362573}],"sentiment":"neutral","sentiment_score":0.20245936211198567,"num_words":50,"start":2364.95,"end":2383.93},{"sentences":[{"text":"But feel free to have a read through the document, read through the sections.","start":2383.93,"end":2388.0898,"sentiment":"neutral","sentiment_score":0.2430847010442189},{"text":"If you find you have questions, you can let me know.","start":2388.0898,"end":2390.73,"sentiment":"positive","sentiment_score":0.3534646278077906},{"text":"It's no issue at all.","start":2390.73,"end":2392.5098,"sentiment":"positive","sentiment_score":0.538614547252655},{"text":"The only thing I do have to let you know is with the insurances, with setting up the Zurich insurances there, we do receive remuneration from the insurer for doing this application once it's in place.","start":2393.2898,"end":2404.145,"sentiment":"neutral","sentiment_score":0.23312791188557944},{"text":"We receive 66% of the first year's premium and 22% there ongoing.","start":2404.365,"end":2409.2651,"sentiment":"neutral","sentiment_score":0.25493062163392705}],"sentiment":"neutral","sentiment_score":0.27482233005456436,"num_words":78,"start":2383.93,"end":2409.2651},{"sentences":[{"text":"That is standardized across the board.","start":2410.05,"end":2412.1301,"sentiment":"neutral","sentiment_score":0.22060137490431467},{"text":"It is the same for every insurance company.","start":2412.1301,"end":2414.77,"sentiment":"neutral","sentiment_score":0.2031933218240738},{"text":"So whether we have it applied for the cover through Neos or with Zurich, essentially, it's the same 66% of the first year's premium.","start":2414.77,"end":2422.6301,"sentiment":"neutral","sentiment_score":0.18444686414053044},{"text":"The main difference is I've tried to make the insurances as cheap as possible for you.","start":2422.925,"end":2427.565,"sentiment":"neutral","sentiment_score":0.27721739700064063},{"text":"So lowered that cost as much as possible.","start":2427.565,"end":2430.305,"sentiment":"positive","sentiment_score":0.3946614973247051}],"sentiment":"neutral","sentiment_score":0.2414298369999855,"num_words":62,"start":2410.05,"end":2430.305},{"sentences":[{"text":"It's not paid by you in any way, shape, or form.","start":2430.845,"end":2433.325,"sentiment":"neutral","sentiment_score":0.021058253266594627},{"text":"It is paid by the insurer to us.","start":2433.325,"end":2435.7,"sentiment":"neutral","sentiment_score":0.035194826778024435},{"text":"So we just wanna disclose that and make sure you're fully aware of it.","start":2435.94,"end":2440.3599,"sentiment":"neutral","sentiment_score":0.12100895600659507},{"text":"We do also receive 22% of the current premium that you are paying to Neos as well, and they just pay that to us every year.","start":2440.9,"end":2450.76,"sentiment":"neutral","sentiment_score":0.2559954455265632},{"text":"And then also with the ongoing service fee, you do pay us 1.65%.","start":2451.135,"end":2456.195,"sentiment":"neutral","sentiment_score":0.14751273508255297}],"sentiment":"neutral","sentiment_score":0.14973433227795693,"num_words":72,"start":2430.845,"end":2456.195},{"sentences":[{"text":"That just continues.","start":2456.815,"end":2457.795,"sentiment":"neutral","sentiment_score":0.126881942152977},{"text":"It's already on the super.","start":2457.935,"end":2459.475,"sentiment":"neutral","sentiment_score":0.19291635751724243},{"text":"Your and and your review, technically, is due around about September.","start":2459.855,"end":2463.875,"sentiment":"neutral","sentiment_score":0.13173280148343605},{"text":"So when that is due, my team will book you in, and you and I can have a bit of a catch up and see how things are going and make sure you're happy to stay on board for a year.","start":2464.65,"end":2472.43,"sentiment":"positive","sentiment_score":0.4895630576988546},{"text":"If you need new advice, we'll do that for you as well.","start":2472.89,"end":2476.215,"sentiment":"positive","sentiment_score":0.3511159271001816}],"sentiment":"positive","sentiment_score":0.37610784612802994,"num_words":72,"start":2456.815,"end":2476.215},{"sentences":[{"text":"Just making sure that we're keeping up to date with everything and, you know, making sure that, you know, everything is working harder for you and that we're working towards your goals.","start":2476.455,"end":2485.415,"sentiment":"positive","sentiment_score":0.4433184750378132},{"text":"Because everything I do has to be in your best interest.","start":2485.415,"end":2488.955,"sentiment":"neutral","sentiment_score":0.32891917499628937},{"text":"And if the advice needs to change or is no longer in your best interest, then I have an obligation to make sure that is changed.","start":2489.95,"end":2496.51,"sentiment":"neutral","sentiment_score":-0.0668168906122446},{"text":"And I wanna make sure the advice changes and evolves with you as well.","start":2496.51,"end":2500.61,"sentiment":"neutral","sentiment_score":0.2200115333710398},{"text":"Okay?","start":2500.6702,"end":2501.1702,"sentiment":"neutral","sentiment_score":0.09671516716480257}],"sentiment":"neutral","sentiment_score":0.22909451910250245,"num_words":84,"start":2476.455,"end":2501.1702},{"sentences":[{"text":"Yeah.","start":2502.105,"end":2502.605,"sentiment":"neutral","sentiment_score":0.13114134967327118},{"text":"That's okay.","start":2503.625,"end":2504.605,"sentiment":"neutral","sentiment_score":0.31266921758651733},{"text":"It's it's probably a lot.","start":2504.745,"end":2506.585,"sentiment":"neutral","sentiment_score":0.044501892477273944},{"text":"You probably need a bit of time to digest.","start":2506.585,"end":2508.605,"sentiment":"neutral","sentiment_score":-0.03544312467177709},{"text":"It absolutely is.","start":2514.69,"end":2516.21,"sentiment":"neutral","sentiment_score":0.25416972239812213}],"sentiment":"neutral","sentiment_score":0.07112551461905241,"num_words":20,"start":2502.105,"end":2516.21},{"sentences":[{"text":"But we'll take some time.","start":2516.21,"end":2517.75,"sentiment":"neutral","sentiment_score":0.1454007402062416},{"text":"Maybe, you know, you have the day.","start":2517.81,"end":2519.3298,"sentiment":"neutral","sentiment_score":0.15828301012516022},{"text":"You've got the day off.","start":2519.3298,"end":2520.45,"sentiment":"neutral","sentiment_score":0.18341998457908631},{"text":"I sort of suggest that people go and maybe just have a cup of tea, let it digest for a second, then come back and have a really good read of the document.","start":2520.45,"end":2527.3499,"sentiment":"neutral","sentiment_score":0.28943401033228094},{"text":"And if any questions come up, there is no such thing as a silly question.","start":2528.105,"end":2531.7048,"sentiment":"neutral","sentiment_score":0.07732132350405058}],"sentiment":"neutral","sentiment_score":0.20712656751275063,"num_words":65,"start":2516.21,"end":2531.7048},{"sentences":[{"text":"You send it to me, let me know, and I will reply and make sure we take time to answer those questions for you.","start":2531.7048,"end":2537.9648,"sentiment":"neutral","sentiment_score":0.25586196842292946},{"text":"If you're happy to take the advice, we just get you to sign and return the document back to us, and then team will have it implemented.","start":2538.105,"end":2544.44,"sentiment":"positive","sentiment_score":0.34861063846835383},{"text":"And if there's any section of the advice you do not wish to proceed with, on the very last page, you do have a text box.","start":2545.54,"end":2552.52,"sentiment":"neutral","sentiment_score":-0.023530265173086755},{"text":"You can just write in there with what you don't wanna proceed with.","start":2552.82,"end":2556.3599,"sentiment":"neutral","sentiment_score":-0.0025075553701474117},{"text":"And if you do, like, a little bit of reading on there, I've also got the PDF documents for for your super funds for Netwealth.","start":2556.865,"end":2565.925,"sentiment":"neutral","sentiment_score":0.16582518935203552}],"sentiment":"neutral","sentiment_score":0.1656906008720398,"num_words":115,"start":2531.7048,"end":2565.925},{"sentences":[{"text":"I've got it for Zurich, for Neos.","start":2565.985,"end":2568.0652,"sentiment":"neutral","sentiment_score":0.16902140847274236},{"text":"I've also got the quote attached for you, and I've also got our financial services guide and all the bits and pieces.","start":2568.0652,"end":2574.76,"sentiment":"neutral","sentiment_score":0.19581096043640916},{"text":"So depending on how much reading you're interested in, those documents are all attached for you as well as the appendices.","start":2574.76,"end":2582.22,"sentiment":"neutral","sentiment_score":0.02406768367758819},{"text":"Yeah.","start":2597.635,"end":2598.135,"sentiment":"neutral","sentiment_score":0.011759012006223202},{"text":"No.","start":2598.355,"end":2598.835,"sentiment":"neutral","sentiment_score":-0.039942800998687744}],"sentiment":"neutral","sentiment_score":0.11477362609898242,"num_words":52,"start":2565.985,"end":2598.835},{"sentences":[{"text":"Understandable.","start":2598.835,"end":2599.335,"sentiment":"neutral","sentiment_score":-0.04928767308592796},{"text":"It's a bit it can be a little bit small.","start":2599.795,"end":2601.895,"sentiment":"neutral","sentiment_score":-0.1396149531006813},{"text":"So yeah.","start":2603.04,"end":2603.78,"sentiment":"neutral","sentiment_score":0.05800185725092888},{"text":"Okay.","start":2607.68,"end":2607.9202,"sentiment":"neutral","sentiment_score":0.18530459702014923},{"text":"That's it.","start":2607.9202,"end":2608.6401,"sentiment":"neutral","sentiment_score":0.2476755902171135}],"sentiment":"neutral","sentiment_score":-0.04054860700853169,"num_words":16,"start":2598.835,"end":2608.6401},{"sentences":[{"text":"Yeah.","start":2608.6401,"end":2609.1401,"sentiment":"positive","sentiment_score":0.4806232452392578},{"text":"You enjoy the rest of your day.","start":2609.28,"end":2611.3801,"sentiment":"positive","sentiment_score":0.6760193194661822},{"text":"Yeah.","start":2618.9348,"end":2619.255,"sentiment":"neutral","sentiment_score":0.08260387182235718},{"text":"So once once you sign and return that back, my lovely team will give you a call.","start":2619.255,"end":2623.575,"sentiment":"neutral","sentiment_score":0.16529527700999203},{"text":"They'll book you in to go through your insurance application with you.","start":2623.575,"end":2626.9548,"sentiment":"neutral","sentiment_score":0.23607279484470686}],"sentiment":"neutral","sentiment_score":0.28784883159555885,"num_words":38,"start":2608.6401,"end":2626.9548},{"sentences":[{"text":"They'll do it at a time that suits you, so it can be any day.","start":2627.7349,"end":2630.9548,"sentiment":"neutral","sentiment_score":0.25065977275371554},{"text":"And then we'll submit the application to Zurich.","start":2631.62,"end":2635.1401,"sentiment":"neutral","sentiment_score":0.13885480724275112},{"text":"It'll go through the underwriting process.","start":2635.1401,"end":2637.1602,"sentiment":"neutral","sentiment_score":0.10396520545085271},{"text":"So if there is medical things that come out that we weren't aware of beforehand, they may request doctor's reports.","start":2637.22,"end":2642.98,"sentiment":"neutral","sentiment_score":-0.001551507553085685},{"text":"But as I said, we did your pre assessment.","start":2642.98,"end":2645.535,"sentiment":"neutral","sentiment_score":0.03714668999115626}],"sentiment":"neutral","sentiment_score":0.09996235070364742,"num_words":58,"start":2627.7349,"end":2645.535},{"sentences":[{"text":"Nothing really flagged that was gonna be an issue so far.","start":2645.535,"end":2649.155,"sentiment":"neutral","sentiment_score":-0.10202389278195122},{"text":"And if if it's, you know, a clean what we call clean skin, if there's no issues, often it goes into force really quickly.","start":2650.255,"end":2657.075,"sentiment":"neutral","sentiment_score":0.03684711790022751},{"text":"And then the insurance premium is just deducted out of your super fund at as soon as the policy is placed in force.","start":2657.49,"end":2663.41,"sentiment":"neutral","sentiment_score":0.07453015074133873},{"text":"And we confirm at every step what's happening with that policy.","start":2663.41,"end":2667.19,"sentiment":"neutral","sentiment_score":0.0716216733509844},{"text":"Okay.","start":2667.73,"end":2668.23,"sentiment":"neutral","sentiment_score":0.06955701112747192}],"sentiment":"neutral","sentiment_score":0.03333795562918697,"num_words":70,"start":2645.535,"end":2668.23},{"sentences":[{"text":"That's okay.","start":2671.395,"end":2672.0552,"sentiment":"positive","sentiment_score":0.37537074089050293},{"text":"Oh, that's okay.","start":2675.955,"end":2677.0952,"sentiment":"neutral","sentiment_score":0.13793021440505981},{"text":"It's really important as I was sitting there with Sammy because I sit basically next to her.","start":2677.155,"end":2681.91,"sentiment":"neutral","sentiment_score":0.14470119248418248},{"text":"And when you called back in, and she was saying, oh, Friday.","start":2681.99,"end":2684.71,"sentiment":"neutral","sentiment_score":0.07704173400998116},{"text":"And I was like, yes.","start":2684.71,"end":2685.51,"sentiment":"neutral","sentiment_score":0.09551123380661011}],"sentiment":"neutral","sentiment_score":0.1288848557533362,"num_words":39,"start":2671.395,"end":2685.51},{"sentences":[{"text":"Do it.","start":2685.51,"end":2685.99,"sentiment":"neutral","sentiment_score":0.14557958394289017},{"text":"It's done.","start":2685.99,"end":2686.39,"sentiment":"neutral","sentiment_score":0.14653559029102325},{"text":"I don't I do not mind in any way, shape, or form.","start":2686.39,"end":2688.63,"sentiment":"neutral","sentiment_score":0.01844204155107339},{"text":"I would rather take the time to take you through it when you're available than to be rushing through it in your lunch break or when you're at work and sort of stress stressing about things.","start":2688.63,"end":2698.915,"sentiment":"neutral","sentiment_score":0.13313431075463691},{"text":"So I don't mind in any way, shape, or form.","start":2699.455,"end":2701.535,"sentiment":"neutral","sentiment_score":0.28212553858757017}],"sentiment":"neutral","sentiment_score":0.13580041000198934,"num_words":62,"start":2685.51,"end":2701.535},{"sentences":[{"text":"I love what I do.","start":2701.535,"end":2702.735,"sentiment":"positive","sentiment_score":0.8043565869331359},{"text":"As you can half turn, I'm a crazy super insurance lady, and it's about making sure that everything's working for you.","start":2702.735,"end":2708.975,"sentiment":"positive","sentiment_score":0.5356571447281611},{"text":"So I will always take calls.","start":2708.975,"end":2710.835,"sentiment":"positive","sentiment_score":0.38047689696153003},{"text":"Know, if someone needs me on a Friday, I'll make time for it.","start":2711.57,"end":2714.29,"sentiment":"neutral","sentiment_score":0.3283381634033643},{"text":"It's not a problem at 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pleasure.","start":2719.01,"end":2719.83,"sentiment":"positive","sentiment_score":0.6397044360637665},{"text":"Yep.","start":2724.435,"end":2724.935,"sentiment":"neutral","sentiment_score":0.1006428599357605}],"sentiment":"positive","sentiment_score":0.437500672680991,"num_words":7,"start":2715.57,"end":2724.935},{"sentences":[{"text":"Yeah.","start":2725.235,"end":2725.735,"sentiment":"neutral","sentiment_score":0.19399838149547577},{"text":"Fantastic.","start":2725.875,"end":2726.375,"sentiment":"positive","sentiment_score":0.5888876914978027},{"text":"No.","start":2729.955,"end":2730.355,"sentiment":"neutral","sentiment_score":-0.060198768973350525},{"text":"So the the advice is that was for sixty days from the date on the document there.","start":2730.355,"end":2735.0151,"sentiment":"neutral","sentiment_score":0.03082419208743993},{"text":"However, if you need longer than that, I'll just reconfirm your 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later.","start":2756.651,"end":2757.551,"sentiment":"positive","sentiment_score":0.3595917324225108},{"text":"Bye.","start":2758.571,"end":2759.071,"sentiment":"neutral","sentiment_score":-0.0958430990576744}],"sentiment":"neutral","sentiment_score":0.24573302455246449,"num_words":4,"start":2756.651,"end":2759.071}]}}]},{"alternatives":[{"transcript":"Hello? Yes. Good. Thanks, Dana. How are you? Yep. Yes. It is. Yeah. Not too bad. Got the day off today. So yeah. Yes. Yes. Thank you. Yep. Natalie Louise Reynolds. Ninth of March seventy seven. Number 6, Ballet, Crescent, Sunbury, Victoria 3429. Yeah. Is this the quote that you sent through? Or okay. Yep. Alright. One second. Yeah. Yep. I'll just have a look. Yeah. Yeah. Got it. Sign document. Yes. Mhmm. Okay. Yeah. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Yes. Mhmm. Mhmm. Mhmm. Mhmm. Yeah. Just getting there. Mhmm. Yep. Mhmm. Yes. Yes. Yes. Yeah. Yeah. Yes. Mhmm. Mhmm. Yes. Yes. Mhmm. Mhmm. Yeah. Yep. That's okay. Yep. Yeah. Yeah. No. I'm good. Yep. Yep. Yes. Yeah. Mhmm. Yeah. Yeah. Yeah. Okay. Mhmm. Yes. Yeah. Mhmm. Yeah. Yeah. Yeah. Yeah. Yeah. So those those quotes you sent me, those four quotes, with and without the booster. I'm not going with any of them now. Yeah. Yeah. Yes. Yes. Yes. Yeah. So what what what sorry. What so what happens if something happens to me at the second job? Yeah. Okay. Okay. Yeah. Yeah. Yeah. Yes. Okay. Yes. Yeah. Yeah. Cool. Got it. Yeah. Yes. Yes. Yeah. Yeah. Yeah. Mhmm. Mhmm. Mhmm. Okay. So what page are we on now? Yep. Got it. Yes. Yes. Yep. Yeah. Mhmm. Yeah. Yeah. So remember last time you were saying when you turn 65, it goes, you automatically what was it that I don't need the income protection? Or But not yet. Yes. Yeah. Yep. Yep. Yep. That's fine. Yep. Yes. Yes. Yes. Yes. Yes. Yes. Yeah. Yeah. Yeah. Yeah. Yeah. I gotta get that done. Yeah. Because yeah. So, like, I wanted it to go to my sister anyway to hand it out to her when when needed at Friday. So I have to do it that way like, do it that way. Yeah? Yeah. Yeah. Yeah. Okay. So she's gone there, isn't she, at the moment, my daughter? Yeah. That'll be good. K. So so is it recommended to keep her on there, or do I keep her there? Yeah. Okay. Yeah. Yeah. I think yeah. Yeah. Just let yeah. I've gotta get it done. Gotta look into it. I did. I think you did send me your guys all these months. But yeah. I I my brother's I wanted to speak to my brother because he's done his just recently too. So yeah. Sort of same situation. But yeah. Okay. Yeah. Send that send it through anyway. More information I've got, the better. Yeah. Yeah. Yeah. Yeah. Cool. Yeah. Yep. No problem. Thank you. Yeah. It's just like yeah. It's a lot of information, but yeah. Yeah. Okay. Yeah. I'll get it all together. I'm cool. I will have a read through this. I'll print it off. I'll read it on the phone. Cool. Alright. That's it, Dana? Yeah. So once I sign this, then it'll you'll take out that Zurich. Is it? Yeah. No problem. Great. Okay. Appreciate you with me call too on your day off. Yes. Yes. Yes. Yeah. Thank you. Perfect. Alright. I will get this printed off and, yeah, get for Is there a time frame to get this back? Or Yeah. No. I'll try and get this before then. Yep. Perfect. Alright. Thank you, Dana. Appreciate the call. I will. You too. Thank you. 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Yes. Good. Thanks, Dana. How are you?\n\nYep. Yes. It is. Yeah. Not too bad.\n\nGot the day off today. So yeah. Yes. Yes. Thank you.\n\nYep. Natalie Louise Reynolds. Ninth of March seventy seven. Number 6, Ballet, Crescent, Sunbury, Victoria 3429. Yeah.\n\nIs this the quote that you sent through? Or okay. Yep. Alright. One second.\n\nYeah. Yep. I'll just have a look. Yeah. Yeah.\n\nGot it. Sign document. Yes. Mhmm. Okay.\n\nYeah. Mhmm. Mhmm. Mhmm. Mhmm.\n\nMhmm. Yes. Mhmm. Mhmm. Mhmm.\n\nMhmm. Yeah. Just getting there. Mhmm. Yep.\n\nMhmm. Yes. Yes. Yes. Yeah.\n\nYeah. Yes. Mhmm. Mhmm. Yes.\n\nYes. Mhmm. Mhmm. Yeah. Yep.\n\nThat's okay. Yep. Yeah. Yeah. No.\n\nI'm good. Yep. Yep. Yes. Yeah.\n\nMhmm. Yeah. Yeah. Yeah. Okay.\n\nMhmm. Yes. Yeah. Mhmm. Yeah.\n\nYeah. Yeah. Yeah. Yeah. So those those quotes you sent me, those four quotes, with and without the booster.\n\nI'm not going with any of them now. Yeah. Yeah. Yes. Yes.\n\nYes. Yeah. So what what what sorry. What so what happens if something happens to me at the second job? Yeah.\n\nOkay. Okay. Yeah. Yeah. Yeah.\n\nYes. Okay. Yes. Yeah. Yeah.\n\nCool. Got it. Yeah. Yes. Yes.\n\nYeah. Yeah. Yeah. Mhmm. Mhmm.\n\nMhmm. Okay. So what page are we on now? Yep. Got it.\n\nYes. Yes. Yep. Yeah. Mhmm.\n\nYeah. Yeah. So remember last time you were saying when you turn 65, it goes, you automatically what was it that I don't need the income protection? Or But not yet. Yes.\n\nYeah. Yep. Yep. Yep. That's fine.\n\nYep. Yes. Yes. Yes. Yes.\n\nYes. Yes. Yeah. Yeah. Yeah.\n\nYeah. Yeah. I gotta get that done. Yeah. Because yeah.\n\nSo, like, I wanted it to go to my sister anyway to hand it out to her when when needed at Friday. So I have to do it that way like, do it that way. Yeah? Yeah. Yeah.\n\nYeah. Okay. So she's gone there, isn't she, at the moment, my daughter? Yeah. That'll be good.\n\nK. So so is it recommended to keep her on there, or do I keep her there? Yeah. Okay. Yeah.\n\nYeah. I think yeah. Yeah. Just let yeah. I've gotta get it done.\n\nGotta look into it. I did. I think you did send me your guys all these months. But yeah. I I my brother's I wanted to speak to my brother because he's done his just recently too.\n\nSo yeah. Sort of same situation. But yeah. Okay. Yeah.\n\nSend that send it through anyway. More information I've got, the better. Yeah. Yeah. Yeah.\n\nYeah. Cool. Yeah. Yep. No problem.\n\nThank you. Yeah. It's just like yeah. It's a lot of information, but yeah. Yeah.\n\nOkay. Yeah. I'll get it all together. I'm cool. I will have a read through this.\n\nI'll print it off. I'll read it on the phone. Cool. Alright. That's it, Dana?\n\nYeah. So once I sign this, then it'll you'll take out that Zurich. Is it? Yeah. No problem.\n\nGreat. Okay. Appreciate you with me call too on your day off. Yes. Yes.\n\nYes. Yeah. Thank you. Perfect. Alright.\n\nI will get this printed off and, yeah, get for Is there a time frame to get this back? Or Yeah. No. I'll try and get this before then. Yep.\n\nPerfect. Alright. Thank you, Dana. Appreciate the call. I will.\n\nYou too. Thank you. Thank bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.71999997,"end":1.22,"sentiment":"neutral","sentiment_score":0.026981709524989128},{"text":"Yes.","start":5.52,"end":5.92,"sentiment":"neutral","sentiment_score":0.24109715223312375},{"text":"Good.","start":5.92,"end":6.16,"sentiment":"positive","sentiment_score":0.4911537170410156},{"text":"Thanks, Dana.","start":6.16,"end":6.96,"sentiment":"positive","sentiment_score":0.5395092070102692},{"text":"How are you?","start":6.96,"end":7.8599997,"sentiment":"positive","sentiment_score":0.37665335337320965}],"sentiment":"positive","sentiment_score":0.37102638161741197,"num_words":8,"start":0.71999997,"end":7.8599997},{"sentences":[{"text":"Yep.","start":11.44,"end":11.94,"sentiment":"neutral","sentiment_score":0.17960363626480105},{"text":"Yes.","start":14.775,"end":15.175,"sentiment":"neutral","sentiment_score":0.19163313508033752},{"text":"It 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off.","start":2672.715,"end":2675.7751,"sentiment":"positive","sentiment_score":0.4121511161327362},{"text":"Yes.","start":2696.54,"end":2697.04,"sentiment":"neutral","sentiment_score":0.05070161074399948},{"text":"Yes.","start":2699.405,"end":2699.905,"sentiment":"neutral","sentiment_score":0.21886101365089417}],"sentiment":"positive","sentiment_score":0.3682086036673614,"num_words":14,"start":2669.915,"end":2699.905},{"sentences":[{"text":"Yes.","start":2704.285,"end":2704.785,"sentiment":"neutral","sentiment_score":0.329389750957489},{"text":"Yeah.","start":2715.93,"end":2716.43,"sentiment":"neutral","sentiment_score":0.3093738257884979},{"text":"Thank you.","start":2716.89,"end":2717.53,"sentiment":"positive","sentiment_score":0.6049562990665436},{"text":"Perfect.","start":2717.53,"end":2718.03,"sentiment":"positive","sentiment_score":0.6550329327583313},{"text":"Alright.","start":2720.5698,"end":2721.0698,"sentiment":"neutral","sentiment_score":0.21396224200725555}],"sentiment":"positive","sentiment_score":0.4529452249407768,"num_words":6,"start":2704.285,"end":2721.0698},{"sentences":[{"text":"I will get this printed off and, yeah, get for Is there a time frame to get this back?","start":2721.93,"end":2729.475,"sentiment":"neutral","sentiment_score":0.12348394860562525},{"text":"Or Yeah.","start":2729.475,"end":2741.4302,"sentiment":"neutral","sentiment_score":0.0024181948974728593},{"text":"No.","start":2741.4302,"end":2741.75,"sentiment":"neutral","sentiment_score":-0.08611026406288147},{"text":"I'll try and get this before then.","start":2741.75,"end":2743.9102,"sentiment":"neutral","sentiment_score":-0.06733726071459907},{"text":"Yep.","start":2743.9102,"end":2744.4102,"sentiment":"neutral","sentiment_score":0.04290495067834854}],"sentiment":"neutral","sentiment_score":0.06121550916383664,"num_words":30,"start":2721.93,"end":2744.4102},{"sentences":[{"text":"Perfect.","start":2744.87,"end":2745.37,"sentiment":"neutral","sentiment_score":0.036318209022283554},{"text":"Alright.","start":2745.4302,"end":2745.9102,"sentiment":"neutral","sentiment_score":0.2065214961767197},{"text":"Thank you, Dana.","start":2745.9102,"end":2746.79,"sentiment":"positive","sentiment_score":0.5730022589365641},{"text":"Appreciate the call.","start":2746.79,"end":2747.9302,"sentiment":"positive","sentiment_score":0.5024585326512655},{"text":"I will.","start":2752.6008,"end":2753.241,"sentiment":"positive","sentiment_score":0.49425017833709717}],"sentiment":"positive","sentiment_score":0.44577224366366863,"num_words":10,"start":2744.87,"end":2753.241},{"sentences":[{"text":"You too.","start":2753.241,"end":2753.8008,"sentiment":"positive","sentiment_score":0.39917755126953125},{"text":"Thank you.","start":2753.8008,"end":2754.5408,"sentiment":"positive","sentiment_score":0.6252084672451019},{"text":"Thank bye bye.","start":2756.921,"end":2758.5408,"sentiment":"neutral","sentiment_score":0.28041647374629974}],"sentiment":"positive","sentiment_score":0.41286020832402365,"num_words":7,"start":2753.241,"end":2758.5408}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Natalie. It's Dana from Motee Financial. How are you today?\n\nChannel 1: Yes. Good. Thanks, Dana. How are you?\n\nChannel 0: That I'm very well. Thank you. I had you booked in just to go through your updated\n\nChannel 1: Yep.\n\nChannel 0: statement of advice. Is that still a good time there for you?\n\nChannel 1: Yes. It is.\n\nChannel 0: Fantastic. How's your morning been thus far?\n\nChannel 1: Yeah. Not too bad. Got the day off\n\nChannel 0: Oh,\n\nChannel 1: today.\n\nChannel 0: that's\n\nChannel 1: So\n\nChannel 0: Oh,\n\nChannel 1: yeah.\n\nChannel 0: that's good. Nice three day weekend for you.\n\nChannel 1: Yes.\n\nChannel 0: All good. Now before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yes. Thank you.\n\nChannel 0: Fantastic. And just to do a quick security check, sir, with you, just can you confirm your full name, your date of birth, and address I should have on file?\n\nChannel 1: Yep. Natalie Louise\n\nChannel 0: Yep.\n\nChannel 1: Reynolds. Ninth of\n\nChannel 0: Yep.\n\nChannel 1: March seventy seven.\n\nChannel 0: Yep.\n\nChannel 1: Number 6, Ballet, Crescent, Sunbury, Victoria 3429.\n\nChannel 0: Beautiful. Thank you so much for that. Now I am just sending through the statement of advice and supplementary material through to you via email. Are you able to jump into your email, sir, at the moment? Or if you can't, that's okay.\n\nChannel 1: Yeah. Is this the quote that you sent through? Or\n\nChannel 0: No. This is the statement of advice to run through the recommendations with you.\n\nChannel 1: okay.\n\nChannel 0: It should be\n\nChannel 1: Yep.\n\nChannel 0: a new email coming through any moment, if not already.\n\nChannel 1: Alright. One\n\nChannel 0: Yeah.\n\nChannel 1: second. Yeah.\n\nChannel 0: That's okay.\n\nChannel 1: Yep. I'll just have\n\nChannel 0: It should come\n\nChannel 1: a\n\nChannel 0: from Odoo sign, and it might\n\nChannel 1: look.\n\nChannel 0: have even come from my email. So dana@otfinancial.\n\nChannel 1: Yeah. Yeah. Got it.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Sign document.\n\nChannel 0: Yes. If you click on the button now I am really clear. It does not make you sign anything until you've gone through it. You can do have the option of going back out before signing it and rereading it. I am a big advocate for reading things before you do sign it.\n\nSo what I'll\n\nChannel 1: Yes.\n\nChannel 0: do is I'll take you through the advice. We'll focus on the pages that are important to you\n\nChannel 1: Mhmm.\n\nChannel 0: so I can basically explain what what I need to go through with you, and then you get to take that back and have a really good read of the document there as well. Okay?\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Beautiful. On the front page of that one, it'll say statement of advice prepared for yourself as of the 07/01/2026. Our advice is valid for sixty days from the date on the document there. And on the bottom there, my licensing number for you as well. So I'm a registered financial adviser with ASIC, and my license number is 1304394.\n\nOkay?\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: Yeah. Before the next couple of pages, we outline the best interest duty. So just making sure that any advice we do provide is in your best interest. On all the pages as we with the recommendations, we actually do have a best interest duty statement, which realigns the advice back to your goals, and it outlines why the advice provided is in your best interest. Okay?\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: On pages three and four and five, we have the scoping in and scoping out areas. So these are areas of where we are and are not providing advice with this document. We're looking at superannuation for you. We've got insurances in there. You wanted to try and get some income protection.\n\nSo I've had a really good look at how to do that to make it a cost effective for you, but also give you that level of protection in the\n\nChannel 1: Mhmm.\n\nChannel 0: stressing the estate planning side of things. So you mentioned you don't have a will or power of attorney, and your beneficiary is nominated to your daughter who, I believe, is about 10,000,011 years of age.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. So I have looked at the best way to make sure that nomination is in place so that she gets the money,\n\nChannel 1: Mhmm.\n\nChannel 0: because there are some there are some interesting rules around beneficiaries and how they are paid\n\nChannel 1: Mhmm.\n\nChannel 0: especially to minor children. Okay? The areas that we're scoping out from page five on, we've got not looking at debt reduction. So you do wanna have your mortgage paid down as quickly as possible. We're not scoping that in right now.\n\nIf you do want additional advice in that area, let us know. We can also refer you through to a mortgage broker who can reassess essentially your home loan, the rates you are paying, and look at ways to help you pay that down quicker as well.\n\nChannel 1: Mhmm.\n\nChannel 0: Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Excellent. To make things easier, I'll get you to go forward for me, and we're gonna head down to page number 17. So this is essentially the recommendations in a bit of a nutshell.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: Just getting there.\n\nChannel 0: Now if you find you have questions through any of this, let me know. I do tend to just kind of get in my group and go. But you just tell me to stop, ask any questions, or pull me back if you need to. Okay?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: All good. Now the heading on this page should be investment recommended superannuation. Can you see that page there at all?\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: Yep. Beautiful. So one of the things we looked at was your superannuation. Obviously, your balance is growing, and you're working really hard to build that. However, we wanted to just make sure that you were invested correctly.\n\nOne of the things we discussed when we first had that conversation a few months back was that you had been a long Australian equities in there, and that was underperforming a little bit. Since we had that first conversation, our investment committee has gone in and removed that from everyone's portfolio. So you actually don't have that investment anymore. But I still wanted to check the investments that you do now have and make sure that, you know, if there's a rebalance or if there was something that needed to be replaced, that we do do that. I think one of the important things to note that investments do need to change over time.\n\nInvestments that you were recommended initially or several years ago might not be appropriate now. And with the investments you have now, we need to keep reviewing because they may need to be changed or altered down the track there as well for you. Okay?\n\nChannel 1: Yes.\n\nChannel 0: I had a look at net wealth as a super fund as well as all the other funds out there to see whether or not we should move out of Netwealth or not. I am recommending that you do retain Netwealth at the moment. The platform itself is absolutely fine. And the way I see the Netwealth platform, essentially, think of it like your car. It is just a vehicle.\n\nThat's where the funds are going into, but what really makes your super fund work is the underlying investment. And Net Wealth\n\nChannel 1: Yes.\n\nChannel 0: is essentially just a vehicle to hold those funds so you can invest the money. In the because we had moved out, the investment committee had made the change and removed the Bana Lung Australian Equities out of your fund. They'd actually replaced that with the BetaShares a 200. One of the cool things about the swap of this investment is that Bana Lung, it it was meant to be more of an actively managed fund. So the investment manager was meant to be buying and selling investments in a way that was, you know, trying to time the market.\n\nThey were trying to outperform against the market as a whole to get those greater returns. Unfortunately, they haven't been able to do that. They've had a rough couple of years since COVID as well. So we've removed that out of there. Within that along, he generally held it's it was an Australian equity, so it was essentially tracking Australian equities, and they held anywhere between 15 to 25 different investments.\n\nWith the beta shares a 200, we're actually tracking the top 200 companies on the ASX. So it actually can see greater diversification. So instead of tracking, you know, 15 to 25 different Australian companies, you're actually attracting 200. So it gives you greater diversification. Diversification helps to mitigate all lower risk levels, which is really important.\n\nAnd this data shows a 200 investment is actually cheaper. Holding passively most investments that are in the market, tracking the market, and following an index essentially does make your investment fees cheaper because you're not paying higher fees for an investment investment manager to try and outperform against the market. Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So we have got the beta shares a 200 in there for you. Essentially, with that, you've got about 33% of your portfolio there at the moment.\n\nChannel 1: Yeah.\n\nChannel 0: We wanna hold about 36, so we're gonna buy a little bit of that. So in the buy sell column, you've got the green and the red. I try to\n\nChannel 1: Yes.\n\nChannel 0: sort of color code those for you. The green means we're gonna purchase some more of that investment. The red means we're gonna sell some of that investment off. Okay? We've also got cybersecurity.\n\nIt has been a really great place to be invested. You are a little bit overexposed in there at the moment, so cybersecurity has had a little bit of a hit this year. It is a great investment to be. With everything being online and the amount of hacks and things that we've seen in the media, cybersecurity is still a very big area and will be a growing area. We do more and more online.\n\nWe do more and more less face to face, and it's important to make sure we're protecting our data and our information as much as possible. So at the moment, you have about 5.68% in there. We only wanna hold about 4%, so we are gonna sell a little over $2,000 of that investment and bring you back rebalance you back a little bit there. Okay?\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: We've also got some physical gold. Physical gold has been at its thirty year high essentially over the last few months. It is really, really good. I know I love a bit of physical gold as an investment, but also I love to wear it. It is at the moment, you have about 7% of your portfolio.\n\nWe wanna hold it at 10%. Physical gold is a growth investment, so it does see really good growth. However, it also acts offensively, so we use it as a bit of an alternative. If you think back to times like COVID or the GFC when, say, equity markets weren't doing so well, people use gold as a bit of a safe haven. So it kind of is a growth asset in your portfolio, but it acts defensively as well.\n\nAnd that's kind of important to have investments that can act in more than one way. It helps to lower risk of your portfolio. Does that make sense?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep. Beautiful. You currently hold about 7%, 7.76% there. We wanna increase that to 10%. So we're gonna buy a little bit more physical gold, and it's not a bad time to buy because it is down a little bit at the moment as well.\n\nChannel 1: Mhmm.\n\nChannel 0: We've got some European ETFs there. Essentially, with Europe, this investment is giving you exposure to the 16 European countries, and it's giving you access to already established markets that are also up and coming. So it's important to have a lot of diversification and building on that. Europe is a a really good area at the moment to be invested, and giving you global diversification is important for reducing the risk of your portfolio. So you've got about 5.33% there at the moment.\n\nWe only wanna hold 5%. So they're gonna sell a little bit of that off, just over $500 there, and bring you back a little bit. And you've also got the European ETF in there. We wanna hold that 4%. You're a little bit overexposed in that one.\n\nSo, again, we're gonna sell some of that off. Japan is another really great place to be invested. You've currently got about 4% there, 4.45%, selling off about $700 set to bring you back down a little bit to 4%. And the S and P 500 is giving you access and exposure to the top 500 companies on The US market. Again, the same as with the a 200, it's tracking the top 500 companies, so you are diversifying.\n\nAnd as much as a lot of people are nervous about The US with what's happening between The US and Iran and what occurred this year, it is still a really great price to be invested long term. When you look at the last thirty years of investing, essentially, The US and international equities provide greater returns than Australian equities, and we tend to follow suit. So whatever happens in The US happens here as well. We feel that because our market follows theirs.\n\nChannel 1: Mhmm.\n\nChannel 0: You currently have about 26%, point 29% in there, and we're going to just bring you back down to 25%. And then you've got the Vanguard Australian fixed interest ETF. So, essentially, with your portfolio here, we wanna make sure you do have some lower risk defensive investments. You are in a growth portfolio, and that was where your comfort level was. So a growth portfolio sees 80% in those higher growth assets like Australian shares, international shares, listed property, and commodities like a better gold in your portfolio.\n\nBut then having about 20% in low risk defensive investments like fixed interest and cash and bonds, and that's where this incorporate this Vanguard fixed interest ETF comes in. So keeping that in there for you, we wanna buy a little bit more of that. You're at about 9.39 at the moment, just bringing you up to 10%. So, essentially, just making sure that we increase that exposure a little bit for you. And that's essentially where you see the changes in your portfolio.\n\nI've not wanted to move you out of Netwealth because just like you do a tax return every year, your super fund also does a tax return. And, essentially, any changes we make within the portfolio, we need to understand the tax consequences for your super fund. Whenever\n\nChannel 1: Yeah.\n\nChannel 0: we buy and sell investments or make changes with investments, your super fund pays capital gains tax. I had a look at the full sell down on your portfolio and what that might look like. The capital gains was much higher. So to keep you in net worth for a bit longer, the platform itself is absolutely fine and has no problems. And just making these changes to rebalance your portfolio back helps to sort of make sure you're not over or underweighted in any any particular investment.\n\nKeep that diversification and keep you inside that growth asset allocation, making sure we're diversifying, and also help to reduce the tax consequences. If you go down to page 20 for me, I can show you the estimated CDT.\n\nChannel 1: Yep.\n\nChannel 0: Sorry. Sorry.\n\nChannel 1: That's okay. Yep.\n\nChannel 0: So this is the peak comparison table, and you'll see in the differences column there, by making these changes and just bringing the weighting back on your portfolio, the c d your super fund would have to pay is about $264. So very minimal CDP consequences. Keeps you well diversified. We're just rebalancing the portfolio for you and making sure that you your portfolio doesn't have to make that money back too crazy. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Do you have any questions so far? You're welcome to let me know if you do.\n\nChannel 1: Yeah. No. I'm good.\n\nChannel 0: All good?\n\nChannel 1: Yep. Yep.\n\nChannel 0: All good. So with the fee comparison table here, you'll essentially see the current and the recommended. Now your current balance is at a $161,009.83 after making the change in the investments, which we estimate you should have about a $161,719. That's minus the $2.64 for the CGT. By keeping net wealth, there's no change to the administration fees.\n\nHowever, we do note that the investment fees by rebalancing are reduced, and you save about $25 on investment fees. Any kind of saving in fees is a positive thing. It means that money stays invested for you working harder. Okay?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: By rebalancing there a little bit, obviously, your balance is just slightly lower. It does also reduce how ongoing service fee for the year. It saves you about $31, and your contributions continue to go in as they are currently, and your insurance premiums there as well. Now you will note there is a difference in those. That's because we're looking at income protection, so it does mean the insurance premiums are gonna increase.\n\nBut we've tried to minimize that as much as possible for you, and I'll take you through that shortly. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Underneath that, you've got essentially how the portfolio has been performing. So when we look at historical data, we know over the past five years, this portfolio has been averaging about 11.52%, and the bottom table is your projected outcomes. Factoring in the current versus the recommended over the next five to years, if the portfolio can obtain the 11.52%, you can sort of see where you're projected to be. Now you'll notice that that is a negative figure, and that is because of the insurance premium. So because we are looking to get income protection as well, it increases the insurance premium, and the\n\nChannel 1: Yeah.\n\nChannel 0: insurance premiums coming out of your super do have a negative impact. It does mean that you end up, you know, with a little bit less, But we've tried to limit that as much as possible. But you can sort of see over the next ten years by making the change, we still estimate you should be able to get about 352,401 if the portfolio works the way it has. And we can do other things. We can build on that.\n\nWe can reduce the insurances as we need to. We can also look at additional contributions to keep building on that for you. Okay?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Beautiful. Does that make sense so far? Do you have\n\nChannel 1: Okay.\n\nChannel 0: any questions? No? Beautiful. If you go down for me to page number 23, this is the insurance side of things. Now at the moment, you do have your nearest life and TBD policy there.\n\nYour current sum insured is 327,302. These are paid out of your super funds, and the current cost of those for this year, essentially, was $2,481.30. That was how much paid out of the super fund. We get a bit of a 15% discount. So you\n\nChannel 1: Mhmm.\n\nChannel 0: know how taxation when contributions go into super, they're taxed at 15%?\n\nChannel 1: Yes.\n\nChannel 0: Yep. So how it works with insurance premiums is when the money is rolled out of your super fund to Neos, it actually doesn't leave the super system, and they give you a 15% discount. It's sort of how the rebate works from their end.\n\nChannel 1: Yeah. Mhmm.\n\nChannel 0: So they actually received the $2,919.18, but you get a 15% discount on the premium paid out of super. So you've only paid the $2.04 $8.01 30, which is good to know. It'd be great if we got those private discounts all the time, but that's essentially just the how the super system works. Okay? So we are just gonna retain your life and TPD at the moment.\n\nYou have made mention to me you were comfortable with that level of cover. We will keep reviewing that for you Every year as the policy goes through renewal, as you get older, the risk of you making a claim increases. So these policies do get more and more expensive. So I wanna make sure we review them with you, look at the level of cover you have, look at how much you're paying for these, and make sure we can reduce them back when we need to so that you're not it's not eating away all of your super. That's one of the biggest risk factors with insurances inside super is because the premiums get more expensive, it has a greater effect on your super long term, and we wanna kind of try to reduce that as much as we possibly can whilst making sure you've got that level of cover to protect you in the event that something was to happen.\n\nOkay?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Excellent. And so keeping the life and TPD in place as near. There's no changes to those, but we'll keep reviewing those moving down. If you can go to page 27 for me, this is essentially looking at your income protection. So the one of the things that we talked about was that you are single, you've got a young daughter, and you work really hard.\n\nBut what happens in the event that you're unable to go to work due to illness or injury, and you wanted to have just a level of cover to protect you in that event? We are looking at a ninety day waiting period and a five year benefit period, so it does mean you have to be off work for ninety days prior to making a claim. And, essentially, you can be on a claim for up to five years. That was sort of the level you were comfortable with at the moment, and this is the best way to make it as cheap as possible, but still providing you with a level of benefit that you can use in the event of making a claim. I we did that pre assessment as well.\n\nAnd because you do have that secondary occupation, I essentially went back and did a blind pre assessment with all the insurers, including Neos. Neos actually came back as the most expensive. They said they were going to essentially look at you as a a support services support worker, and that's actually a higher rated because those people who work after aged care, disability workers, things like that, they are actually at high risk of getting injured. So insurance companies see that as a very high risk occupation. So Neos was actually gonna be charging close to about $5 for the year for the insurance premiums, and I wasn't happy with that.\n\nI did not want you to be eating away your super at a faster level. So\n\nChannel 1: Yeah.\n\nChannel 0: I went back and had a look at all the other insurers. The insurer we've gone with is Zurich, so it means you'll\n\nChannel 1: Yeah.\n\nChannel 0: have two different insurers for your insurance policy. However, I will keep looking after that with you, and we'll make sure we review that. If you ever had to make a claim, we have to facilitate that for you to make it easier.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: So those those quotes you sent me,\n\nChannel 0: Mhmm.\n\nChannel 1: those four quotes,\n\nChannel 0: Mhmm.\n\nChannel 1: with\n\nChannel 0: Yep.\n\nChannel 1: and without the booster.\n\nChannel 0: Yep.\n\nChannel 1: I'm not going with any of them now.\n\nChannel 0: Unfortunately, no. No. They\n\nChannel 1: Yeah.\n\nChannel 0: when we went when we because we were looking at that initially, we only have you made occupation. When we did the pre assessment, you made mention you have that secondary job\n\nChannel 1: Yeah.\n\nChannel 0: as well. And that was kind of the thing that pushed them up, and NeoSoft will know because of how often you do that. It's it's done every week for the amount of time you do. They were like, no. We're gonna go with the higher risk occupation, which\n\nChannel 1: Yes.\n\nChannel 0: is, in my opinion, not fair. When I spoke to Zurich, they said that they would still, assess you as a administration worker, which is the best occupation rating we can get, and they're just going to exclude the secondary occupation. So it means that you can't claim the income protections for your secondary job. However, it covers you for your main occupation, which essentially is your main source of income.\n\nChannel 1: Yes.\n\nChannel 0: And if anything happens and you can't go to work and do your main role, being an admin worker, there's gonna be something really seriously wrong with you. So it is really important to cover that. And the\n\nChannel 1: Yes.\n\nChannel 0: premiums came out much cheaper. So on ninety days waiting with a five year benefit period, the total premium they would charge for the first year estimated at 1,146 and 65¢, and out of your super comes $9.74 and 65¢. So it is a really good price occupation rating and gives you that level of cover at 70% of your main occupation, and it's just for that five ninety day waiting and five year benefit period. Okay?\n\nChannel 1: Yeah. So what\n\nChannel 0: In the\n\nChannel 1: what\n\nChannel 0: you're right.\n\nChannel 1: what\n\nChannel 0: Sorry.\n\nChannel 1: sorry. What so\n\nChannel 0: You're\n\nChannel 1: what\n\nChannel 0: right.\n\nChannel 1: happens if something happens to me at the second job?\n\nChannel 0: It means that you're still you're not able to claim on the income protection\n\nChannel 1: Yeah.\n\nChannel 0: just solely for your second job. But say if you broke your back and you couldn't do, you know, your second job every weekend and you went you still couldn't do your main occupation, you can still claim. It's just based on your main occupation to say\n\nChannel 1: Okay.\n\nChannel 0: you broke your back\n\nChannel 1: Okay.\n\nChannel 0: and you were bedridden for, you know, that ninety days, and you couldn't even work it. I mean, I personally if I'm hurt my back doing admin work laying down\n\nChannel 1: Yeah.\n\nChannel 0: or it still hurts. So things like that are still gonna be claimable, but it just means you need to not be able to go to your main occupation. And, realistically,\n\nChannel 1: Yeah.\n\nChannel 0: if you hurt yourself in a way that you can't do your secondary job, realistically, you're probably gonna be off from your main occupation as well as an admin\n\nChannel 1: Yeah.\n\nChannel 0: worker.\n\nChannel 1: Yes.\n\nChannel 0: I think insurers insurance assume admin\n\nChannel 1: Okay.\n\nChannel 0: workers are, you know, the the safest occupation because something has to be really, really wrong. But, I mean, I'm an acting worker. I sit at a desk most of my day and things like that. And in all honesty, when I have a bad back or sciatica\n\nChannel 1: Yes.\n\nChannel 0: pain, it really hurts. I have to stand up and sit down and move around, and it makes things really, really hard on me too. So there's actually quite a lot of things that could go wrong that stop you from doing both of your jobs, not just the secondary occupation. Yeah.\n\nChannel 1: Yeah. Yeah. Cool. Got\n\nChannel 0: Yeah.\n\nChannel 1: it.\n\nChannel 0: In the appendices, which is attached to that docu the OdoSign there as a it's an attachment on your main email. I've also got the comparison in there for the different insurers on with the alternatives that I considered. So I also looked at a thirty day waiting period and a two year benefit period. That essentially means that you just have to be off work for thirty days prior to making a claim, and the two year benefit period means the claim stops at two years. Sorry.\n\nZurich is still paying out the cheapest fare.\n\nChannel 1: Yeah.\n\nChannel 0: It's the thirty day waiting period is making the policies more expensive, but it is more expensive than essentially what\n\nChannel 1: Yes.\n\nChannel 0: we had recommended.\n\nChannel 1: Yes.\n\nChannel 0: And I also looked at an alternative of a ninety day wait and a two year benefit. Zurich, again, came out the best option. It does reduce the premium to about $732, so it is cheaper than what was recommended. But my main reason for recommending a five year benefit period is that more well, ninety percent of claims are finished within that first two years. There is a risk of being on a partial claim, especially in your main occupation where you could work one, two, or three days a week and still be getting some of that income protection policy as a buffer.\n\nAnd those sorts of claims can start from one to two year to three years onwards. So having that five year benefit period just reduces the risk level a little bit more for you. Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Mhmm.\n\nChannel 0: That so that's essentially the recommendation with the insurances there. And all up, as per that projection table, we do estimate with the first year's premium, the total deducted from Super is $3,456. That's the Zurich policy as well as the nearest life and TV that you do currently already hold. Okay.\n\nChannel 1: Mhmm.\n\nChannel 0: Yeah. Beautiful. Underneath that page, if you go down, you'll see we've also got the free assessment results there, and it just notes that for the income protection, the secondary occupation would be excluded. In order to have this policy placed in force, we do need to do an application. So if you're happy to take your recommendations, my team will book you in for an application with my colleague, Jack.\n\nOr if you prefer to speak to one of those girls, I can organize it with Sammy, my admin worker. She's beautiful. And they just go through an in-depth application with you to apply for the cover the same as you would have gone through for Neos. That application goes through the underwriting. We kinda went to the pre assessment.\n\nThere was nothing that came out that flagged, but any changes to your health, if there's anything that flags that could be of a higher risk, then there is the risk of them having exclusions or loadings applied to the policy. But, I mean, we did the the pre assessment. You're pretty healthy. It's just that secondary occupation that flagged for us. And Zurich have already confirmed that they'll just exclude that occupation from your income protection policy.\n\nChannel 1: Mhmm.\n\nChannel 0: Okay.\n\nChannel 1: Okay. So what page are we on now?\n\nChannel 0: 28, if you go to 29,\n\nChannel 1: Yep. Got\n\nChannel 0: at\n\nChannel 1: it.\n\nChannel 0: the bottom here, you've got the projection table there with your current and recommended, but it also shows you the difference. The projection, if you did not pay insurance to that. So you can see that column?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. So it just\n\nChannel 1: Yes.\n\nChannel 0: sort of shows you and because we kind of know that insurance premiums do get more expensive over time and they do have an effect on your super, We wanna try and limit that effect as much as possible, but this shows you the same. The projection table above with your current the recommended, but then if you did not pay any insurances inside the super fund, where you could end up over the next sort of five to ten years. So looking at that, it's not a huge difference. It's only a minor difference, really, to give you a level of cover to protect you. It works out to be over ten years, about $51,000, but it could definitely be worse.\n\nOkay? It's one of those things.\n\nChannel 1: Yep.\n\nChannel 0: It's a bit of a juggling act. We know it's gonna have an impact on super because they're paying for those premiums, but at the same time, having that level of protection or insurance to cover up in the event that something happens is really important. And trying to limit that as much as possible, and also making sure I mean, the biggest risk we have with insurance is is that we pay the premiums. We get to the time that we have a lovely sick balance, and we haven't claimed on any of the insurances, and we end up just canceling them or they just, you know, expire. So\n\nChannel 1: Yeah.\n\nChannel 0: that's ultimately the biggest risk with having insurance\n\nChannel 1: Mhmm.\n\nChannel 0: policy. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Do you have have any questions at the moment at all?\n\nChannel 1: Yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: remember last time you were saying when you turn 65, it goes,\n\nChannel 0: Yep.\n\nChannel 1: you automatically what was it that I don't need the income protection? Or\n\nChannel 0: Yeah. So, normally, by the time by the time we turn 60 or 65, depending on our comfort level, we don't normally need to have that income protection anymore. Because under the current legislation, at the age of 60, if you're unable to work or if you retire,\n\nChannel 1: But\n\nChannel 0: you\n\nChannel 1: not\n\nChannel 0: get\n\nChannel 1: yet.\n\nChannel 0: access to your super fully.\n\nChannel 1: Yes.\n\nChannel 0: So, realistically, if you get to 60 in ten years' time and, you know, you've still got that income protection, you still wanna work longer, but if you hurt yourself, realistically, we could cancel that cover because if you're unable to go to work, we just sign the declaration to say you're not working anymore, and you get access to your super benefit wholly, and it's all tax free. Yeah.\n\nChannel 1: Yeah. Yep. Yep. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: That's fine.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: All good. Under each of those pages, I'll give you time to go back and read them. I know this is quite a lot. So feel free to read to the recommendations, the advantages, the disadvantages, the risks involved, and the interest duty there as well. Okay?\n\nChannel 1: Yes.\n\nChannel 0: If you go down to page number 35 for me, this is the recommendations around the estate planning side of things, the beneficiary nominations.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. So we sort of talked about what was important to you. And in the event of something happening, that you wanted all of your senior and life insurance to be paid to your daughter. Now she's a minor, so she's under the age of 18. And one of the biggest things I do like to make mention is that while children our our children are beneficiaries under the SIS Act and under the Tax Act, which means that in the event of a claim, the amount is paid directly completely tax free.\n\nHowever, it doesn't go to her directly. If you were to pass away, the money has to be dealt with by an adult, so it would be her guardian. And my biggest thing with the way this system works is that the guardian then has to make the decision for the child on whether it's taken as a lump sum or a pension payment, and that's taken out of your hands, unfortunately. So I'm recommending that we update the beneficiary nomination to the legal personal representative. That means that in the event of you passing, the money is paid direct to your estate.\n\nYou can then have a will drawn up by a solicitor, have it set up as a a trust, and then in that trust, you have a lot more control. You can nominate who's gonna be the executor of that trust, how whether money is held until she's 18 or whether a regular pension is or income stream is, you know, given to her over time. You have a lot more control on how that money is dealt with in the event of you passing. And that essentially means that the money is more likely to get to your 10 year old daughter rather than just being drawn out as a full lump sum by the guardian, and then there's no control over what happens to that money. Unfortunately,\n\nChannel 1: Yes.\n\nChannel 0: I've seen it way too many times where the guardian's drawn the money out. It's being spent wasted. It hasn't gotten to the child, hasn't done what the the person nominate the person who passed away really intended, and it does make it very, very difficult and can, you know, lead to a lot of dramas. And and then with my will, to give you a bit of an example, I've been married twice. So with my estate planning side of things, my two eldest children were to my ex husband, and he was terrible with money.\n\nHe could not hold a dollar in his hand less than a week. So I set it up that all of my funds would go into my will the same way with legal personal representative. And then I set up with my sister, and my new husband's sister were joint executives and trustees. That\n\nChannel 1: Yes.\n\nChannel 0: essentially meant that because under the law, my daughters would go back to my ex husband if I was to pass away, he would not get access to any funds unless he asked my sister, my sister-in-law,\n\nChannel 1: Yes.\n\nChannel 0: for money and declared the reason he needed it. So it meant that that money was gonna be used for my children's education,\n\nChannel 1: Yes.\n\nChannel 0: and it wasn't gonna be all wasted in one place. And because I have a a third child to my my second husband, I didn't want them to be disadvantaged. I wanted all three of my kids to be looked after. So\n\nChannel 1: Yeah.\n\nChannel 0: it just gives you a lot more control. It is a little bit more expensive to do it that way to have a will drawn up, but you've worked so hard. And you've got this\n\nChannel 1: Yeah.\n\nChannel 0: beautiful little girl, and you wanna make sure that everything is looked after and that everything is, you know, directed where you want it to go. So\n\nChannel 1: Yeah.\n\nChannel 0: having\n\nChannel 1: Yeah.\n\nChannel 0: your will drawn up correctly only gives you that little bit of extra protection for you and your daughter. Yeah.\n\nChannel 1: Yeah. I gotta get that done. Yeah. Because yeah. So, like, I wanted it to go to my sister anyway to hand it out to her when when needed\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: at Friday. So I have to do it that way like, do it that way. Yeah?\n\nChannel 0: Yes. Yes. So because your sister unfortunately, when we look at the beneficiary system for Super, there's two forms of legislation that we have to abide by to have a valid nomination. The first is the CISAT, which notes that a beneficiary can be a child of any age, a spouse, an interdependent relationship with someone who lives with us, who relies on us financially, and anyone with an interdependent relationship. So exactly the same thing.\n\nThey just have two birds for it. Essentially, under that, your child, whether they're over 18 or 18, fully fit that criteria. Your system, unfortunately, doesn't. But then in order once the beneficiary is set up and to have it paid down, it then also has to meet the tax act. And that means that beneficiaries who are valid receive the benefit fully tax free if they are your current spouse, a child under the age of 18, or a child 21 if they're fully financially dependent on you, or, again, whether it's a dependent or financial relationship.\n\nAnd any children over the age of 18, unfortunately, have to pay tax. Tax can be up with a 17% on\n\nChannel 1: Yeah.\n\nChannel 0: the benefit. So having it paid to your sister through your will, again, gives you more control. You can have a trust set up. You can direct what you want done with the funds, how you want it paid to your daughter, how you want her to look after your daughter. And it just means that you get a lot more control around that as well.\n\nSo doing it this way is absolutely the best way for you. Yeah.\n\nChannel 1: Yeah. Yeah. Okay. So she's gone\n\nChannel 0: Yeah.\n\nChannel 1: there, isn't she, at the moment, my daughter?\n\nChannel 0: Your daughter? Yeah. She is. Yeah. Yeah.\n\nYep. And my team can pre fill the document for you and have that sent out, so you just have to tick the box. And I can send you an email with some information on a local solicitor that we can use, but also I can grab, like, the each state has, like, a government trustee that can set up wills very cheaply for you. They can be done over the phone or at your local office. And I can get you that information as well if you like to make it easier on you.\n\nChannel 1: Yeah. That'll be good.\n\nChannel 0: Yeah.\n\nChannel 1: K. So so is it recommended to keep her on there, or do I keep her\n\nChannel 0: No. For your daughter, no. So we'll change the beneficiary fee legal personal representative\n\nChannel 1: there?\n\nChannel 0: and direct the funds through to your to your will.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah. It will be important that once the beneficiary is updated that a will is done Because if we nominate legal personal representative and you still haven't got a will done and you passed away, then everything is paid to your estate, and it all goes through probate. And that's a pretty horrible process. It's basically where it goes to the court system. So, yeah, just making sure your will is drawn up.\n\nWe can hold off on changing the beneficiaries until your will is\n\nChannel 1: Yeah.\n\nChannel 0: in place. That's not a problem\n\nChannel 1: Yeah.\n\nChannel 0: at\n\nChannel 1: I think\n\nChannel 0: all.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Just let yeah. I've gotta\n\nChannel 0: Yep.\n\nChannel 1: get it done. Gotta look\n\nChannel 0: That's\n\nChannel 1: into it.\n\nChannel 0: that's okay. Well, I'll do that research. You'll probably, on Monday, ask me to, like, get that through to you, but I'll do a bit of research on the local trustee for you. And I can I'll see if I can get the email over the weekend to make it easier. But I'll send you an email which outlines some information on the local solicitor that we use and the costing that we can refer you through to, but also your local trustee's office so you can have a bit of a look at that and kind of work out which\n\nChannel 1: I\n\nChannel 0: option is better for yourself.\n\nChannel 1: did. I\n\nChannel 0: Okay.\n\nChannel 1: think you did send me your guys all these months.\n\nChannel 0: Yep.\n\nChannel 1: But yeah. I I my brother's I wanted to speak to my brother because he's done his just recently too. So\n\nChannel 0: All good. Yeah.\n\nChannel 1: yeah. Sort of same situation.\n\nChannel 0: Yeah.\n\nChannel 1: But yeah. Okay. Yeah. Send that send it through anyway.\n\nChannel 0: Absolutely.\n\nChannel 1: More information I've got, the better.\n\nChannel 0: Absolutely. And you can sort of have a think about what's gonna be right for you and how how you wanna set up. And, yeah, have a chat to your brother. It's always worth having a chat with people who have recently set up a will, what they thought of the person that did it, how they went through it, what they were asked. It kinda gives you an idea of what you're sort of walking into because every solicitor lawyer, everyone does them differently.\n\nChannel 1: Yeah.\n\nChannel 0: And, yeah, it's just what's right for you at the end of the day. It's one of the hardest things we have to sort of think about, but it is definitely one of those things that's worth thinking about and protecting everything. You've worked way too hard to let it all kinda just hope for the best. Yeah.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Oh, good.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: And underneath that, I've got, obviously, setting up a will and a power of attorney because that, again, is just really important to make sure that is all considered as well. But feel free to have a read through the document, read through the sections. If you find you have questions, you can let me know. It's no issue at all.\n\nChannel 1: Yeah.\n\nChannel 0: The only thing I do have to let you know is with the insurances, with setting up the Zurich insurances there, we do receive remuneration from the insurer for doing this application once it's in place. We receive 66% of the first year's premium and 22% there ongoing. That is standardized across the board. It is the same for every insurance company. So whether we have it applied for the cover through Neos or with Zurich, essentially, it's the same 66% of the first year's premium.\n\nThe main difference is I've tried to make the insurances as cheap as possible for you. So lowered that cost as much as possible. It's not paid by you in any way, shape, or form. It is paid by the insurer to us. So we just wanna disclose that and make sure you're fully aware of it.\n\nWe do also receive 22% of the current premium that you are paying to Neos as well, and they just pay that to us every year. And then also with the ongoing service fee, you do pay us 1.65%. That just continues. It's already on the super. Your and and your review, technically, is due around about September.\n\nSo when that is due, my team will book you in, and you and I can have a bit of a catch up and see how things are going and make sure you're happy to stay on board for a year. If you need new advice, we'll do that for you as well. Just making sure that we're keeping up to date with everything and, you know, making sure that, you know, everything is working harder for you and that we're working towards your goals. Because everything I do has to be in your best interest. And if the advice needs to change or is no longer in your best interest, then I have an obligation to make sure that is changed.\n\nAnd I wanna make sure the advice changes and evolves with you as well. Okay?\n\nChannel 1: Yep. No\n\nChannel 0: Yeah.\n\nChannel 1: problem. Thank you.\n\nChannel 0: That's okay. It's it's probably a lot. You probably need a bit of time to digest.\n\nChannel 1: Yeah. It's just like yeah. It's a lot of information, but yeah.\n\nChannel 0: It absolutely is. But we'll take some time. Maybe, you know, you have the day. You've got the day off. I sort of suggest that people go and maybe just have a cup of tea, let it digest for a second, then come back and have a really good read of the document.\n\nChannel 1: Yeah.\n\nChannel 0: And if any questions come up, there is no such thing as a silly question. You send it to me, let me know, and I will reply and make sure we take time to answer those questions for you. If you're happy to take the advice, we just get you to sign and return the document back to us, and then team will have it implemented. And if there's any section of the advice you do not wish to proceed with, on the very last page, you do have a text box. You can just write in there with what you don't wanna proceed with.\n\nAnd if you do, like, a little bit of reading on there, I've also got the PDF documents for for your super funds for Netwealth. I've got it for Zurich, for Neos. I've also got the quote attached for you, and I've also got our financial services guide and all the bits and pieces. So depending on how much reading you're interested in, those documents are all attached for you as\n\nChannel 1: Okay.\n\nChannel 0: well as the appendices.\n\nChannel 1: Yeah. I'll get it all together. I'm cool. I will have a read through this. I'll print it off.\n\nI'll read it on the phone.\n\nChannel 0: Yeah. No. Understandable. It's a bit it can be a little bit small. So yeah.\n\nChannel 1: Cool. Alright. That's it, Dana?\n\nChannel 0: Okay. That's it. Yeah. You enjoy the rest of your day.\n\nChannel 1: Yeah. So once I sign this, then it'll you'll take out that Zurich. Is it?\n\nChannel 0: Yeah. So once once you sign and return that back, my lovely team will give you a call. They'll book you in to go through your insurance application with you. They'll do it at a time that suits you, so it can be any day. And then we'll submit the application to Zurich.\n\nIt'll go through the underwriting process. So if there is medical things that come out that we weren't aware of beforehand, they may request doctor's reports. But as I said, we did your pre assessment. Nothing really flagged that was gonna be an issue so far. And if if it's, you know, a clean what we call clean skin, if there's no issues, often it goes into force really quickly.\n\nAnd then the insurance premium is just deducted out of your super fund at as soon as the policy is placed in force. And we confirm at every step what's happening with that policy. Okay.\n\nChannel 1: Yeah. No problem. Great.\n\nChannel 0: That's okay.\n\nChannel 1: Okay. Appreciate you with me call too on your day off.\n\nChannel 0: Oh, that's okay. It's really important as I was sitting there with Sammy because I sit basically next to her. And when you called back in, and she was saying, oh, Friday. And I was like, yes. Do it.\n\nIt's done. I don't I do not mind in any way, shape, or form. I would rather take the time to take you through it when you're available than to be rushing through it in your lunch break or when you're at work and\n\nChannel 1: Yes.\n\nChannel 0: sort of stress stressing about things.\n\nChannel 1: Yes.\n\nChannel 0: So I don't mind in any way, shape, or form. I love what I do. As you can half turn, I'm a crazy\n\nChannel 1: Yes.\n\nChannel 0: super insurance lady, and it's about making sure that everything's working for you. So I will always take calls. Know, if someone needs me on a Friday, I'll make time for it. It's not a problem at all. Okay?\n\nChannel 1: Yeah. Thank you.\n\nChannel 0: Yeah.\n\nChannel 1: Perfect.\n\nChannel 0: That's alright. My pleasure.\n\nChannel 1: Alright. I will get this printed off and, yeah,\n\nChannel 0: Yep.\n\nChannel 1: get for\n\nChannel 0: Yeah. Fantastic.\n\nChannel 1: Is there a time frame to get this back? Or\n\nChannel 0: No. So the the advice is that was for sixty days from the date on the document there. However, if you need longer than that, I'll just reconfirm your circumstances. It's not a problem at all. Okay.\n\nChannel 1: Yeah. No. I'll try and get this before then.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. No\n\nChannel 1: Perfect.\n\nChannel 0: worries.\n\nChannel 1: Alright. Thank you, Dana. Appreciate the\n\nChannel 0: My\n\nChannel 1: call.\n\nChannel 0: pleasure. No worries. You have a lovely day, and have a great weekend.\n\nChannel 1: I will. You too. Thank you.\n\nChannel 0: Thank you, Natalie. I'll talk to you soon. See you\n\nChannel 1: Thank\n\nChannel 0: later.\n\nChannel 1: bye bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.71999997,"end":1.22,"sentiment":"neutral","sentiment_score":0.026981709524989128}],"sentiment":"neutral","sentiment_score":0.026981709524989128,"channel":1,"num_words":1,"start":0.71999997,"end":1.22},{"sentences":[{"text":"Hi, Natalie.","start":1.92,"end":2.56,"sentiment":"neutral","sentiment_score":0.10956459492444992},{"text":"It's Dana from Motee Financial.","start":2.56,"end":4.18,"sentiment":"neutral","sentiment_score":0.1548277795314789},{"text":"How are you today?","start":4.3199997,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.2002807855606079}],"sentiment":"neutral","sentiment_score":0.16312647543170236,"channel":0,"num_words":11,"start":1.92,"end":5.2999997},{"sentences":[{"text":"Yes.","start":5.52,"end":5.92,"sentiment":"neutral","sentiment_score":0.24109715223312375},{"text":"Good.","start":5.92,"end":6.16,"sentiment":"positive","sentiment_score":0.4911537170410156},{"text":"Thanks, Dana.","start":6.16,"end":6.96,"sentiment":"positive","sentiment_score":0.5395092070102692},{"text":"How are you?","start":6.96,"end":7.8599997,"sentiment":"positive","sentiment_score":0.37665335337320965}],"sentiment":"positive","sentiment_score":0.4201756204877581,"channel":1,"num_words":7,"start":5.52,"end":7.8599997},{"sentences":[{"text":"That I'm very well.","start":7.52,"end":8.96,"sentiment":"positive","sentiment_score":0.5821063071489334},{"text":"Thank you.","start":8.96,"end":9.44,"sentiment":"positive","sentiment_score":0.6590728163719177},{"text":"I had you booked in just to go through your updated","start":9.44,"end":11.599999,"sentiment":"neutral","sentiment_score":0.2377126081423326}],"sentiment":"positive","sentiment_score":0.3683182088767781,"channel":0,"num_words":17,"start":7.52,"end":11.599999},{"sentences":[{"text":"Yep.","start":11.44,"end":11.94,"sentiment":"neutral","sentiment_score":0.17960363626480105}],"sentiment":"neutral","sentiment_score":0.17960363626480105,"channel":1,"num_words":1,"start":11.44,"end":11.94},{"sentences":[{"text":"statement of advice.","start":11.599999,"end":12.639999,"sentiment":"neutral","sentiment_score":0.18343481421470642},{"text":"Is that still a good time there for you?","start":12.639999,"end":14.66,"sentiment":"neutral","sentiment_score":0.20353525463077757}],"sentiment":"neutral","sentiment_score":0.19851014452675977,"channel":0,"num_words":12,"start":11.599999,"end":14.66},{"sentences":[{"text":"Yes.","start":14.775,"end":15.175,"sentiment":"neutral","sentiment_score":0.19163313508033752},{"text":"It is.","start":15.175,"end":15.915,"sentiment":"neutral","sentiment_score":0.2781210392713547}],"sentiment":"neutral","sentiment_score":0.24929173787434897,"channel":1,"num_words":3,"start":14.775,"end":15.915},{"sentences":[{"text":"Fantastic.","start":16.904999,"end":17.404999,"sentiment":"positive","sentiment_score":0.5479494333267212},{"text":"How's your morning been thus 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possible.","start":241.15999,"end":244.37999,"sentiment":"neutral","sentiment_score":0.11946062843960065},{"text":"We're not scoping that in right now.","start":244.51999,"end":246.62,"sentiment":"neutral","sentiment_score":-0.13762717587607248}],"sentiment":"neutral","sentiment_score":-0.010585946000425056,"channel":0,"num_words":42,"start":231.58499,"end":246.62},{"sentences":[{"text":"If you do want additional advice in that area, let us know.","start":246.76,"end":249.855,"sentiment":"neutral","sentiment_score":0.007713308868308862},{"text":"We can also refer you through to a mortgage broker who can reassess essentially your home loan, the rates you are paying, and look at ways to help you pay that down quicker as well.","start":249.855,"end":259.395,"sentiment":"neutral","sentiment_score":0.15911547403250423}],"sentiment":"neutral","sentiment_score":0.12045960207568839,"channel":0,"num_words":47,"start":246.76,"end":259.395},{"sentences":[{"text":"Mhmm.","start":258.93,"end":259.43,"sentiment":"neutral","sentiment_score":0.043505407869815826}],"sentiment":"neutral","sentiment_score":0.043505407869815826,"channel":1,"num_words":1,"start":258.93,"end":259.43},{"sentences":[{"text":"Okay?","start":259.455,"end":259.955,"sentiment":"neutral","sentiment_score":0.0516972616314888}],"sentiment":"neutral","sentiment_score":0.0516972616314888,"channel":0,"num_words":1,"start":259.455,"end":259.955},{"sentences":[{"text":"Mhmm.","start":259.73,"end":260.23,"sentiment":"neutral","sentiment_score":0.1194409430027008}],"sentiment":"neutral","sentiment_score":0.1194409430027008,"channel":1,"num_words":1,"start":259.73,"end":260.23},{"sentences":[{"text":"Excellent.","start":260.815,"end":261.315,"sentiment":"positive","sentiment_score":0.7072103023529053},{"text":"To make things easier, I'll get you to go forward for me, and we're gonna head down to page number 17.","start":262.29,"end":267.35,"sentiment":"positive","sentiment_score":0.4560483942429225},{"text":"So this is essentially the recommendations in a bit of a nutshell.","start":267.57,"end":271.27,"sentiment":"neutral","sentiment_score":0.21526301528016725}],"sentiment":"positive","sentiment_score":0.3784524342593025,"channel":0,"num_words":34,"start":260.815,"end":271.27},{"sentences":[{"text":"Yeah.","start":272.22498,"end":272.72498,"sentiment":"positive","sentiment_score":0.43615180253982544}],"sentiment":"positive","sentiment_score":0.43615180253982544,"channel":1,"num_words":1,"start":272.22498,"end":272.72498},{"sentences":[{"text":"Beautiful.","start":273.49,"end":273.99,"sentiment":"positive","sentiment_score":0.7129777669906616}],"sentiment":"positive","sentiment_score":0.7129777669906616,"channel":0,"num_words":1,"start":273.49,"end":273.99},{"sentences":[{"text":"Just getting there.","start":274.625,"end":275.845,"sentiment":"positive","sentiment_score":0.4920072555541992}],"sentiment":"positive","sentiment_score":0.4920072555541992,"channel":1,"num_words":3,"start":274.625,"end":275.845},{"sentences":[{"text":"Now if you find you have questions through any of this, let me know.","start":275.375,"end":278.655,"sentiment":"neutral","sentiment_score":0.11780063382216863},{"text":"I do tend to just kind of get in my group and go.","start":278.655,"end":282.035,"sentiment":"neutral","sentiment_score":0.12505237127725893},{"text":"But you just tell me to stop, ask any questions, or pull me back if you need to.","start":282.175,"end":286.57498,"sentiment":"neutral","sentiment_score":0.072834268419279},{"text":"Okay?","start":286.57498,"end":287.07498,"sentiment":"neutral","sentiment_score":0.056985482573509216}],"sentiment":"neutral","sentiment_score":0.10093243509207082,"channel":0,"num_words":46,"start":275.375,"end":287.07498},{"sentences":[{"text":"Mhmm.","start":287.47,"end":287.97,"sentiment":"neutral","sentiment_score":0.0541779026389122},{"text":"Yep.","start":288.43,"end":288.93,"sentiment":"neutral","sentiment_score":0.14458125829696655}],"sentiment":"neutral","sentiment_score":0.09937958046793938,"channel":1,"num_words":2,"start":287.47,"end":288.93},{"sentences":[{"text":"All good.","start":289.91998,"end":290.66,"sentiment":"positive","sentiment_score":0.39007917046546936},{"text":"Now the heading on this page should be investment recommended superannuation.","start":290.96,"end":294.41998,"sentiment":"neutral","sentiment_score":0.11746649647300894},{"text":"Can you see that page there at all?","start":294.8,"end":296.74,"sentiment":"neutral","sentiment_score":0.03580854251049459}],"sentiment":"neutral","sentiment_score":0.11232181629609495,"channel":0,"num_words":21,"start":289.91998,"end":296.74},{"sentences":[{"text":"Mhmm.","start":296.91,"end":297.41,"sentiment":"neutral","sentiment_score":0.03152061998844147},{"text":"Yes.","start":297.47,"end":297.97,"sentiment":"neutral","sentiment_score":0.08768009394407272}],"sentiment":"neutral","sentiment_score":0.059600356966257095,"channel":1,"num_words":2,"start":296.91,"end":297.97},{"sentences":[{"text":"Yep.","start":297.91998,"end":298.4,"sentiment":"neutral","sentiment_score":0.16497980058193207},{"text":"Beautiful.","start":298.4,"end":298.9,"sentiment":"positive","sentiment_score":0.4838370680809021},{"text":"So one of the things we looked at was your superannuation.","start":299.44,"end":301.78,"sentiment":"neutral","sentiment_score":0.058720084076577965},{"text":"Obviously, your balance is growing, and you're working really hard to build that.","start":302.08,"end":305.695,"sentiment":"neutral","sentiment_score":0.10785591745605835},{"text":"However, we wanted to just make sure that you were invested correctly.","start":306.155,"end":309.855,"sentiment":"neutral","sentiment_score":-0.06514660206933816}],"sentiment":"neutral","sentiment_score":0.05039751304215506,"channel":0,"num_words":38,"start":297.91998,"end":309.855},{"sentences":[{"text":"One of the things we discussed when we first had that conversation a few months back was that you had been a long Australian equities in there, and that was underperforming a little bit.","start":310.315,"end":319.17,"sentiment":"neutral","sentiment_score":-0.18622633420369206},{"text":"Since we had that first conversation, our investment committee has gone in and removed that from everyone's portfolio.","start":320.13,"end":326.23,"sentiment":"neutral","sentiment_score":-0.2744169483582179},{"text":"So you actually don't have that investment anymore.","start":326.45,"end":328.55002,"sentiment":"neutral","sentiment_score":-0.21358303353190422},{"text":"But I still wanted to check the investments that you do now have and make sure that, you know, if there's a rebalance or if there was something that needed to be replaced, that we do do that.","start":328.69,"end":336.565,"sentiment":"neutral","sentiment_score":-0.13006037797190642},{"text":"I think one of the important things to note that investments do need to change over time.","start":336.70502,"end":340.965,"sentiment":"neutral","sentiment_score":-0.18320009331492818}],"sentiment":"neutral","sentiment_score":-0.1829266143557818,"channel":0,"num_words":115,"start":310.315,"end":340.965},{"sentences":[{"text":"Investments that you were recommended initially or several years ago might not be appropriate now.","start":341.745,"end":346.63,"sentiment":"neutral","sentiment_score":-0.3292005797227224},{"text":"And with the investments you have now, we need to keep reviewing because they may need to be changed or altered down the track there as well for you.","start":346.63,"end":354.23,"sentiment":"neutral","sentiment_score":-0.119216563629693},{"text":"Okay?","start":354.23,"end":354.73,"sentiment":"neutral","sentiment_score":-0.02780216559767723}],"sentiment":"neutral","sentiment_score":-0.18717980459332467,"channel":0,"num_words":45,"start":341.745,"end":354.73},{"sentences":[{"text":"Yes.","start":354.65997,"end":355.15997,"sentiment":"neutral","sentiment_score":-0.05354135110974312}],"sentiment":"neutral","sentiment_score":-0.05354135110974312,"channel":1,"num_words":1,"start":354.65997,"end":355.15997},{"sentences":[{"text":"I had a look at net wealth as a super fund as well as all the other funds out there to see whether or not we should move out of Netwealth or not.","start":356.15,"end":363.355,"sentiment":"neutral","sentiment_score":-0.004419952913215666},{"text":"I am recommending that you do retain Netwealth at the moment.","start":363.415,"end":366.135,"sentiment":"neutral","sentiment_score":0.1679819409142841},{"text":"The platform itself is absolutely fine.","start":366.135,"end":368.475,"sentiment":"positive","sentiment_score":0.5487886766592661},{"text":"And the way I see the Netwealth platform, essentially, think of it like your car.","start":368.695,"end":373.495,"sentiment":"neutral","sentiment_score":0.29357167383035027},{"text":"It is just a vehicle.","start":373.495,"end":374.635,"sentiment":"neutral","sentiment_score":0.22814242541790009}],"sentiment":"neutral","sentiment_score":0.15055660283459085,"channel":0,"num_words":70,"start":356.15,"end":374.635},{"sentences":[{"text":"That's where the funds are going into, but what really makes your super fund work is the underlying investment.","start":374.73,"end":380.11002,"sentiment":"neutral","sentiment_score":0.20951291448191592},{"text":"And Net 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that.","start":414.735,"end":416.655,"sentiment":"negative","sentiment_score":-0.37998275458812714},{"text":"They've had a rough couple of years since COVID as well.","start":416.655,"end":419.635,"sentiment":"neutral","sentiment_score":-0.276522081006657},{"text":"So we've removed that out of there.","start":420.095,"end":421.955,"sentiment":"neutral","sentiment_score":-0.16233755009514944},{"text":"Within that along, he generally held it's it was an Australian equity, so it was essentially tracking Australian equities, and they held anywhere between 15 to 25 different investments.","start":422.415,"end":432.28998,"sentiment":"neutral","sentiment_score":0.01945393044373085}],"sentiment":"neutral","sentiment_score":-0.06650288749328802,"channel":0,"num_words":71,"start":410.31,"end":432.28998},{"sentences":[{"text":"With the beta shares a 200, we're actually tracking the top 200 companies on the 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cheaper.","start":454.65,"end":458.03,"sentiment":"positive","sentiment_score":0.44528857469558714},{"text":"Holding passively most investments that are in the market, tracking the market, and following an index essentially does make your investment fees cheaper because you're not paying higher fees for an investment investment manager to try and outperform against the market.","start":458.73,"end":472.465,"sentiment":"positive","sentiment_score":0.3807177049357717},{"text":"Does that make 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moment.","start":478.925,"end":483.085,"sentiment":"neutral","sentiment_score":0.07107702403196267}],"sentiment":"neutral","sentiment_score":0.07399094008308436,"channel":0,"num_words":28,"start":474.845,"end":483.085},{"sentences":[{"text":"Yeah.","start":482.865,"end":483.365,"sentiment":"neutral","sentiment_score":0.06399089097976685}],"sentiment":"neutral","sentiment_score":0.06399089097976685,"channel":1,"num_words":1,"start":482.865,"end":483.365},{"sentences":[{"text":"We wanna hold about 36, so we're gonna buy a little bit of that.","start":483.085,"end":487.47,"sentiment":"neutral","sentiment_score":0.07181099562772683},{"text":"So in the buy sell column, you've got the green and the red.","start":487.47,"end":490.85,"sentiment":"neutral","sentiment_score":0.03468136518047406},{"text":"I try to","start":491.15,"end":491.63,"sentiment":"neutral","sentiment_score":0.027255032832423847}],"sentiment":"neutral","sentiment_score":0.05126589282105366,"channel":0,"num_words":30,"start":483.085,"end":491.63},{"sentences":[{"text":"Yes.","start":491.63,"end":492.13,"sentiment":"neutral","sentiment_score":0.03057675063610077}],"sentiment":"neutral","sentiment_score":0.03057675063610077,"channel":1,"num_words":1,"start":491.63,"end":492.13},{"sentences":[{"text":"sort of color code those for you.","start":491.63,"end":493.49,"sentiment":"neutral","sentiment_score":0.03354974410363606},{"text":"The green means we're gonna purchase some more of that investment.","start":493.95,"end":496.69,"sentiment":"neutral","sentiment_score":0.06884654171087524},{"text":"The red means we're gonna sell some of that investment off.","start":496.75,"end":499.71,"sentiment":"neutral","sentiment_score":0.03343051265586506},{"text":"Okay?","start":499.71,"end":500.21,"sentiment":"neutral","sentiment_score":0.057023175060749054},{"text":"We've also got cybersecurity.","start":501.54498,"end":503.32498,"sentiment":"neutral","sentiment_score":0.09194125793874264}],"sentiment":"neutral","sentiment_score":0.05249070628162693,"channel":0,"num_words":34,"start":491.63,"end":503.32498},{"sentences":[{"text":"It has been a really great place to be invested.","start":503.78497,"end":506.125,"sentiment":"positive","sentiment_score":0.5098276317119599},{"text":"You are a little bit overexposed in there at the moment, so cybersecurity has had a little bit of a hit this year.","start":506.26498,"end":512.125,"sentiment":"neutral","sentiment_score":0.03144882165867349},{"text":"It is a great investment to be.","start":512.265,"end":513.865,"sentiment":"positive","sentiment_score":0.7017666527203151},{"text":"With everything being online and the amount of hacks and things that we've seen in the media, cybersecurity is still a very big area and will be a growing area.","start":513.865,"end":523.1449,"sentiment":"neutral","sentiment_score":0.27736256321271263},{"text":"We do more and more online.","start":523.1449,"end":524.91205,"sentiment":"neutral","sentiment_score":0.10814535742004712}],"sentiment":"neutral","sentiment_score":0.2592594055949073,"channel":0,"num_words":76,"start":503.78497,"end":524.91205},{"sentences":[{"text":"We do more and more less face to face, and it's important to make sure we're protecting our data and our information as much as possible.","start":524.91205,"end":532.85504,"sentiment":"neutral","sentiment_score":0.02314013486298231},{"text":"So at the moment, you have about 5.68% in there.","start":533.47504,"end":537.075,"sentiment":"neutral","sentiment_score":0.05551666915416718},{"text":"We only wanna hold about 4%, so we are gonna sell a little over $2,000 of that investment and bring you back rebalance you back a little bit there.","start":537.075,"end":545.55505,"sentiment":"neutral","sentiment_score":0.04768860365810065},{"text":"Okay?","start":545.55505,"end":546.05505,"sentiment":"neutral","sentiment_score":0.033628400415182114}],"sentiment":"neutral","sentiment_score":0.038991031886050194,"channel":0,"num_words":66,"start":524.91205,"end":546.05505},{"sentences":[{"text":"Mhmm.","start":545.99,"end":546.47,"sentiment":"neutral","sentiment_score":0.017491018399596214},{"text":"Mhmm.","start":546.47,"end":546.97,"sentiment":"neutral","sentiment_score":0.020155373960733417}],"sentiment":"neutral","sentiment_score":0.018823196180164814,"channel":1,"num_words":2,"start":545.99,"end":546.97},{"sentences":[{"text":"We've also got some physical gold.","start":547.54,"end":549.22,"sentiment":"neutral","sentiment_score":0.09098942453662555},{"text":"Physical gold has been at its thirty year high essentially over the last few months.","start":549.22,"end":553.77997,"sentiment":"neutral","sentiment_score":0.1833391308784485},{"text":"It is really, really good.","start":553.77997,"end":554.98,"sentiment":"positive","sentiment_score":0.48180373907089236},{"text":"I know I love a bit of physical gold as an investment, but also I love to wear it.","start":554.98,"end":559.125,"sentiment":"neutral","sentiment_score":0.2937719131770887},{"text":"It is at the moment, you have about 7% of your portfolio.","start":560.085,"end":563.545,"sentiment":"neutral","sentiment_score":0.18887385415534177}],"sentiment":"neutral","sentiment_score":0.23777534747332857,"channel":0,"num_words":57,"start":547.54,"end":563.545},{"sentences":[{"text":"We wanna hold it at 10%.","start":563.605,"end":565.465,"sentiment":"neutral","sentiment_score":0.16632737467686334},{"text":"Physical gold is a growth investment, so it does see really good growth.","start":566.005,"end":570.665,"sentiment":"positive","sentiment_score":0.33927033841609955},{"text":"However, it also acts offensively, so we use it as a bit of an alternative.","start":571.285,"end":575.31,"sentiment":"neutral","sentiment_score":0.19685629308223723},{"text":"If you think back to times like COVID or the GFC when, say, equity markets weren't doing so well, people use gold as a bit of a safe haven.","start":575.93,"end":584.99,"sentiment":"neutral","sentiment_score":0.18059542466854228},{"text":"So it kind of is a growth asset in your portfolio, but it acts defensively as well.","start":585.05,"end":589.68506,"sentiment":"neutral","sentiment_score":0.2967834768488127}],"sentiment":"neutral","sentiment_score":0.23304886831901966,"channel":0,"num_words":80,"start":563.605,"end":589.68506},{"sentences":[{"text":"And that's kind of important to have investments that can act in more than one way.","start":589.68506,"end":594.66504,"sentiment":"neutral","sentiment_score":0.2815512642264366},{"text":"It helps to lower risk of your portfolio.","start":594.80505,"end":596.905,"sentiment":"positive","sentiment_score":0.33903027698397636},{"text":"Does that make sense?","start":597.205,"end":598.34503,"sentiment":"neutral","sentiment_score":0.21494869887828827}],"sentiment":"neutral","sentiment_score":0.2884591871074268,"channel":0,"num_words":28,"start":589.68506,"end":598.34503},{"sentences":[{"text":"Yes.","start":598.58496,"end":598.985,"sentiment":"neutral","sentiment_score":0.21553316712379456},{"text":"Yes.","start":598.985,"end":599.46,"sentiment":"neutral","sentiment_score":0.2480693012475967}],"sentiment":"neutral","sentiment_score":0.23180123418569565,"channel":1,"num_words":2,"start":598.58496,"end":599.46},{"sentences":[{"text":"Yep.","start":599.525,"end":600.025,"sentiment":"positive","sentiment_score":0.39619824290275574},{"text":"Beautiful.","start":600.085,"end":600.585,"sentiment":"positive","sentiment_score":0.6818909645080566},{"text":"You currently hold about 7%, 7.76% there.","start":601.31,"end":605.07,"sentiment":"neutral","sentiment_score":0.3182434482233865},{"text":"We wanna increase that to 10%.","start":605.07,"end":606.83,"sentiment":"neutral","sentiment_score":0.293657307823499},{"text":"So we're gonna buy a little bit more physical gold, and it's not a bad time to buy because it is down a little bit at the moment as well.","start":606.83,"end":613.08997,"sentiment":"positive","sentiment_score":0.3482540021340052}],"sentiment":"positive","sentiment_score":0.3447857167985704,"channel":0,"num_words":45,"start":599.525,"end":613.08997},{"sentences":[{"text":"Mhmm.","start":613.54004,"end":614.04004,"sentiment":"neutral","sentiment_score":0.07388389855623245}],"sentiment":"neutral","sentiment_score":0.07388389855623245,"channel":1,"num_words":1,"start":613.54004,"end":614.04004},{"sentences":[{"text":"We've got some European ETFs there.","start":614.565,"end":616.985,"sentiment":"neutral","sentiment_score":0.11673879747589429},{"text":"Essentially, with Europe, this investment is giving you exposure to the 16 European countries, and it's giving you access to already established markets that are also up and coming.","start":617.125,"end":627.285,"sentiment":"neutral","sentiment_score":0.23647784621551118},{"text":"So it's important to have a lot of diversification and building on that.","start":627.285,"end":632.26,"sentiment":"neutral","sentiment_score":0.30833485607917493},{"text":"Europe is a a really good area at the moment to be invested, and giving you global diversification is important for reducing the risk of your portfolio.","start":632.26,"end":640.92004,"sentiment":"positive","sentiment_score":0.37735637470527933},{"text":"So you've got about 5.33% there at the moment.","start":641.57495,"end":644.695,"sentiment":"neutral","sentiment_score":0.1515200999048021}],"sentiment":"neutral","sentiment_score":0.27522555321809794,"channel":0,"num_words":84,"start":614.565,"end":644.695},{"sentences":[{"text":"We only wanna hold 5%.","start":644.695,"end":646.615,"sentiment":"neutral","sentiment_score":0.04998630508780479},{"text":"So they're gonna sell a little bit of that off, just over $500 there, and bring you back a little bit.","start":646.615,"end":652.315,"sentiment":"neutral","sentiment_score":0.10952620101826531},{"text":"And you've also got the European ETF in there.","start":652.535,"end":655.495,"sentiment":"neutral","sentiment_score":0.06598111821545495},{"text":"We wanna hold that 4%.","start":655.495,"end":656.97,"sentiment":"neutral","sentiment_score":0.05902151986956596},{"text":"You're a little bit overexposed in that one.","start":656.97,"end":659.05,"sentiment":"neutral","sentiment_score":-0.09285473264753819}],"sentiment":"neutral","sentiment_score":0.05616836560269197,"channel":0,"num_words":48,"start":644.695,"end":659.05},{"sentences":[{"text":"So, again, we're gonna sell some of that off.","start":659.05,"end":661.23,"sentiment":"neutral","sentiment_score":-0.02332120595706834},{"text":"Japan is another really great place to be invested.","start":661.93,"end":664.58997,"sentiment":"neutral","sentiment_score":0.24181384262111452},{"text":"You've currently got about 4% there, 4.45%, selling off about $700 set to bring you back down a little bit to 4%.","start":664.88995,"end":673.245,"sentiment":"neutral","sentiment_score":0.17034695771607486},{"text":"And the S and P 500 is giving you access and exposure to the top 500 companies on The US market.","start":673.545,"end":679.805,"sentiment":"neutral","sentiment_score":0.14800185284444264},{"text":"Again, the same as with the a 200, it's tracking the top 500 companies, so you are diversifying.","start":680.425,"end":685.91,"sentiment":"neutral","sentiment_score":0.2302843232949575}],"sentiment":"neutral","sentiment_score":0.1641420699844632,"channel":0,"num_words":79,"start":659.05,"end":685.91},{"sentences":[{"text":"And as much as a lot of people are nervous about The US with what's happening between The US and Iran and what occurred this year, it is still a really great price to be invested long term.","start":686.29,"end":697.09,"sentiment":"neutral","sentiment_score":0.14638425919570422},{"text":"When you look at the last thirty years of investing, essentially, The US and international equities provide greater returns than Australian equities, and we tend to follow suit.","start":697.09,"end":707.72504,"sentiment":"neutral","sentiment_score":0.1941395356718983},{"text":"So whatever happens in The US happens here as well.","start":707.72504,"end":711.005,"sentiment":"neutral","sentiment_score":0.13318988904356957},{"text":"We feel that because our market follows theirs.","start":711.005,"end":713.745,"sentiment":"neutral","sentiment_score":0.16233376786112785}],"sentiment":"neutral","sentiment_score":0.16225092716160275,"channel":0,"num_words":84,"start":686.29,"end":713.745},{"sentences":[{"text":"Mhmm.","start":714.695,"end":715.195,"sentiment":"neutral","sentiment_score":0.030378242954611775}],"sentiment":"neutral","sentiment_score":0.030378242954611775,"channel":1,"num_words":1,"start":714.695,"end":715.195},{"sentences":[{"text":"You currently have about 26%, point 29% in there, and we're going to just bring you back down to 25%.","start":715.58,"end":722.56,"sentiment":"neutral","sentiment_score":0.22220646180212497},{"text":"And then you've got the Vanguard Australian fixed interest ETF.","start":723.26,"end":727.12,"sentiment":"neutral","sentiment_score":0.26792932450771334},{"text":"So, essentially, with your portfolio here, we wanna make sure you do have some lower risk defensive investments.","start":727.34,"end":733.225,"sentiment":"positive","sentiment_score":0.3648979970150524},{"text":"You are in a growth portfolio, and that was where your comfort level was.","start":733.365,"end":737.46497,"sentiment":"positive","sentiment_score":0.3856729716062546},{"text":"So a growth portfolio sees 80% in those higher growth assets like Australian shares, international shares, listed property, and commodities like a better gold in your portfolio.","start":737.685,"end":748.11,"sentiment":"positive","sentiment_score":0.4189461690408212}],"sentiment":"positive","sentiment_score":0.34160173701101476,"channel":0,"num_words":89,"start":715.58,"end":748.11},{"sentences":[{"text":"But then having about 20% in low risk defensive investments like fixed interest and cash and bonds, and that's where this incorporate this Vanguard fixed interest ETF comes in.","start":748.57,"end":759.83496,"sentiment":"neutral","sentiment_score":0.27863065513043567},{"text":"So keeping that in there for you, we wanna buy a little bit more of that.","start":759.83496,"end":763.595,"sentiment":"positive","sentiment_score":0.34892841055989265},{"text":"You're at about 9.39 at the moment, just bringing you up to 10%.","start":763.595,"end":768.175,"sentiment":"neutral","sentiment_score":0.27786739055926984},{"text":"So, essentially, just making sure that we increase that exposure a little bit for you.","start":768.315,"end":772.83,"sentiment":"positive","sentiment_score":0.3908092180887858},{"text":"And that's essentially where you see the changes in your portfolio.","start":773.21,"end":776.11,"sentiment":"neutral","sentiment_score":0.24322288144718518}],"sentiment":"neutral","sentiment_score":0.3072977334793125,"channel":0,"num_words":84,"start":748.57,"end":776.11},{"sentences":[{"text":"I've not wanted to move you out of Netwealth because just like you do a tax return every year, your super fund also does a tax return.","start":776.33,"end":783.63,"sentiment":"neutral","sentiment_score":-0.17296537480972432},{"text":"And, essentially, any changes we make within the portfolio, we need to understand the tax consequences for your super fund.","start":784.205,"end":790.545,"sentiment":"neutral","sentiment_score":-0.06430640015751124},{"text":"Whenever","start":790.765,"end":791.16504,"sentiment":"neutral","sentiment_score":-0.0021924078464508057}],"sentiment":"neutral","sentiment_score":-0.12413303189290066,"channel":0,"num_words":48,"start":776.33,"end":791.16504},{"sentences":[{"text":"Yeah.","start":791.15,"end":791.65,"sentiment":"neutral","sentiment_score":0.0006934087723493576}],"sentiment":"neutral","sentiment_score":0.0006934087723493576,"channel":1,"num_words":1,"start":791.15,"end":791.65},{"sentences":[{"text":"we buy and sell investments or make changes with investments, your super fund pays capital gains tax.","start":791.16504,"end":797.1,"sentiment":"neutral","sentiment_score":-0.0025646186926785637},{"text":"I had a look at the full sell down on your portfolio and what that might look like.","start":797.89996,"end":802.38,"sentiment":"neutral","sentiment_score":0.05741547606885433},{"text":"The capital gains was much higher.","start":802.38,"end":804.3,"sentiment":"neutral","sentiment_score":0.25312624623378116},{"text":"So to keep you in net worth for a bit longer, the platform itself is absolutely fine and has no problems.","start":804.3,"end":810.16,"sentiment":"positive","sentiment_score":0.598732020173754},{"text":"And just making these changes to rebalance your portfolio back helps to sort of make sure you're not over or underweighted in any any particular investment.","start":810.515,"end":819.175,"sentiment":"positive","sentiment_score":0.45767497099362886}],"sentiment":"neutral","sentiment_score":0.30660862725397403,"channel":0,"num_words":88,"start":791.16504,"end":819.175},{"sentences":[{"text":"Keep that diversification and keep you inside that growth asset allocation, making sure we're diversifying, and also help to reduce the tax consequences.","start":819.315,"end":828.48,"sentiment":"positive","sentiment_score":0.5111524916213491},{"text":"If you go down to page 20 for me, I can show you the estimated CDT.","start":829.66,"end":834.63995,"sentiment":"neutral","sentiment_score":0.0436337337596342}],"sentiment":"neutral","sentiment_score":0.3193499242934661,"channel":0,"num_words":39,"start":819.315,"end":834.63995},{"sentences":[{"text":"Yep.","start":836.24,"end":836.74,"sentiment":"neutral","sentiment_score":0.03577302023768425}],"sentiment":"neutral","sentiment_score":0.03577302023768425,"channel":1,"num_words":1,"start":836.24,"end":836.74},{"sentences":[{"text":"Sorry.","start":837.01996,"end":837.33997,"sentiment":"neutral","sentiment_score":-0.1334494650363922},{"text":"Sorry.","start":837.33997,"end":837.83997,"sentiment":"neutral","sentiment_score":-0.15894784033298492}],"sentiment":"neutral","sentiment_score":-0.14619865268468857,"channel":0,"num_words":2,"start":837.01996,"end":837.83997},{"sentences":[{"text":"That's okay.","start":838.64,"end":839.38,"sentiment":"neutral","sentiment_score":-0.023188235238194466},{"text":"Yep.","start":839.92,"end":840.42,"sentiment":"neutral","sentiment_score":-0.06598029285669327}],"sentiment":"neutral","sentiment_score":-0.03745225444436073,"channel":1,"num_words":3,"start":838.64,"end":840.42},{"sentences":[{"text":"So this is the peak comparison table, and you'll see in the differences column there, by making these changes and just bringing the weighting back on your portfolio, the c d your super fund would have to pay is about $264.","start":840.09503,"end":854.03503,"sentiment":"neutral","sentiment_score":0.1552515219806171},{"text":"So very minimal CDP consequences.","start":854.35,"end":856.53,"sentiment":"positive","sentiment_score":0.4713703036308289},{"text":"Keeps you well diversified.","start":857.55,"end":858.77,"sentiment":"positive","sentiment_score":0.6458052694797516},{"text":"We're just rebalancing the portfolio for you and making sure that you your portfolio doesn't have to make that money back too crazy.","start":859.23,"end":865.97003,"sentiment":"positive","sentiment_score":0.42154881811660266},{"text":"Okay?","start":866.11,"end":866.61,"sentiment":"neutral","sentiment_score":0.23334896564483645}],"sentiment":"neutral","sentiment_score":0.2869507672919615,"channel":0,"num_words":74,"start":840.09503,"end":866.61},{"sentences":[{"text":"Yeah.","start":867.33,"end":867.83,"sentiment":"positive","sentiment_score":0.367805540561676}],"sentiment":"positive","sentiment_score":0.367805540561676,"channel":1,"num_words":1,"start":867.33,"end":867.83},{"sentences":[{"text":"Perfect.","start":868.735,"end":869.215,"sentiment":"positive","sentiment_score":0.6560081243515015},{"text":"Do you have any questions so far?","start":869.215,"end":870.815,"sentiment":"neutral","sentiment_score":0.22681176023823874},{"text":"You're welcome to let me know if you do.","start":870.815,"end":872.755,"sentiment":"positive","sentiment_score":0.3351694064007865}],"sentiment":"neutral","sentiment_score":0.30942441786036773,"channel":0,"num_words":17,"start":868.735,"end":872.755},{"sentences":[{"text":"Yeah.","start":873.17004,"end":873.41003,"sentiment":"neutral","sentiment_score":0.1262325793504715},{"text":"No.","start":873.41003,"end":873.65,"sentiment":"neutral","sentiment_score":0.06114310771226883},{"text":"I'm good.","start":873.65,"end":874.31,"sentiment":"neutral","sentiment_score":0.1574067510664463}],"sentiment":"neutral","sentiment_score":0.12554729729890823,"channel":1,"num_words":4,"start":873.17004,"end":874.31},{"sentences":[{"text":"All good?","start":875.535,"end":876.355,"sentiment":"neutral","sentiment_score":0.2834967076778412}],"sentiment":"neutral","sentiment_score":0.2834967076778412,"channel":0,"num_words":2,"start":875.535,"end":876.355},{"sentences":[{"text":"Yep.","start":877.405,"end":877.645,"sentiment":"neutral","sentiment_score":0.1994829624891281},{"text":"Yep.","start":877.645,"end":878.145,"sentiment":"neutral","sentiment_score":0.23566773533821103}],"sentiment":"neutral","sentiment_score":0.2175753489136696,"channel":1,"num_words":2,"start":877.405,"end":878.145},{"sentences":[{"text":"All good.","start":878.575,"end":879.315,"sentiment":"positive","sentiment_score":0.3977280557155609},{"text":"So with the fee comparison table here, you'll essentially see the current and the recommended.","start":879.87,"end":884.37,"sentiment":"neutral","sentiment_score":0.17242001394430798},{"text":"Now your current balance is at a $161,009.83 after making the change in the investments, which we estimate you should have about a $161,719.","start":884.91003,"end":895.305,"sentiment":"neutral","sentiment_score":0.20781036652624607},{"text":"That's minus the $2.64 for the CGT.","start":895.305,"end":897.645,"sentiment":"neutral","sentiment_score":0.12778864162308828},{"text":"By keeping net wealth, there's no change to the administration fees.","start":898.745,"end":902.02496,"sentiment":"neutral","sentiment_score":0.18242188814011487}],"sentiment":"neutral","sentiment_score":0.19102315895133098,"channel":0,"num_words":59,"start":878.575,"end":902.02496},{"sentences":[{"text":"However, we do note that the investment fees by rebalancing are reduced, and you save about $25 on investment fees.","start":902.02496,"end":909.12,"sentiment":"positive","sentiment_score":0.457382882386446},{"text":"Any kind of saving in fees is a positive thing.","start":909.2,"end":911.94,"sentiment":"positive","sentiment_score":0.7931404709815979},{"text":"It means that money stays invested for you working harder.","start":912.0,"end":915.06,"sentiment":"positive","sentiment_score":0.6625091433525085},{"text":"Okay?","start":915.27997,"end":915.77997,"sentiment":"positive","sentiment_score":0.3447761535644531}],"sentiment":"positive","sentiment_score":0.5865592669423033,"channel":0,"num_words":41,"start":902.02496,"end":915.77997},{"sentences":[{"text":"Yes.","start":915.805,"end":916.285,"sentiment":"neutral","sentiment_score":0.3160713315010071},{"text":"Yeah.","start":916.285,"end":916.785,"sentiment":"neutral","sentiment_score":0.28520119190216064}],"sentiment":"neutral","sentiment_score":0.30063626170158386,"channel":1,"num_words":2,"start":915.805,"end":916.785},{"sentences":[{"text":"By rebalancing there a little bit, obviously, your balance is just slightly lower.","start":917.12,"end":920.64,"sentiment":"neutral","sentiment_score":0.25795063376426697},{"text":"It does also reduce how ongoing service fee for the year.","start":920.64,"end":923.6,"sentiment":"positive","sentiment_score":0.36048735000870447},{"text":"It saves you about $31, and your contributions continue to go in as they are currently, and your insurance premiums there as well.","start":923.6,"end":932.745,"sentiment":"positive","sentiment_score":0.37677190355632617},{"text":"Now you will note there is a difference in those.","start":932.745,"end":934.985,"sentiment":"neutral","sentiment_score":0.0020255018025636673},{"text":"That's because we're looking at income protection, so it does mean the insurance premiums are gonna increase.","start":934.985,"end":939.96497,"sentiment":"neutral","sentiment_score":-0.047756657990462636}],"sentiment":"neutral","sentiment_score":0.2053089824731688,"channel":0,"num_words":74,"start":917.12,"end":939.96497},{"sentences":[{"text":"But we've tried to minimize that as much as possible for you, and I'll take you through that shortly.","start":940.48004,"end":945.14,"sentiment":"neutral","sentiment_score":0.06596019344502374},{"text":"Okay?","start":945.36005,"end":945.86005,"sentiment":"neutral","sentiment_score":0.0390511229634285}],"sentiment":"neutral","sentiment_score":0.06461473992094398,"channel":0,"num_words":20,"start":940.48004,"end":945.86005},{"sentences":[{"text":"Mhmm.","start":946.56,"end":947.06,"sentiment":"neutral","sentiment_score":0.02870459109544754}],"sentiment":"neutral","sentiment_score":0.02870459109544754,"channel":1,"num_words":1,"start":946.56,"end":947.06},{"sentences":[{"text":"Underneath that, you've got essentially how the portfolio has been performing.","start":947.60004,"end":951.36005,"sentiment":"neutral","sentiment_score":0.08196224898777225},{"text":"So when we look at historical data, we know over the past five years, this portfolio has been averaging about 11.52%, and the bottom table is your projected outcomes.","start":951.36005,"end":962.615,"sentiment":"neutral","sentiment_score":0.118000704730893},{"text":"Factoring in the current versus the recommended over the next five to years, if the portfolio can obtain the 11.52%, you can sort of see where you're projected to be.","start":963.555,"end":973.45996,"sentiment":"neutral","sentiment_score":0.0019015409983694559},{"text":"Now you'll notice that that is a negative figure, and that is because of the insurance premium.","start":974.0,"end":979.065,"sentiment":"negative","sentiment_score":-0.4672086379107307},{"text":"So because we are looking to get income protection as well, it increases the insurance premium, and the","start":979.065,"end":984.66504,"sentiment":"neutral","sentiment_score":-0.3067292844255765}],"sentiment":"neutral","sentiment_score":-0.08650497674409832,"channel":0,"num_words":105,"start":947.60004,"end":984.66504},{"sentences":[{"text":"Yeah.","start":984.58997,"end":985.08997,"sentiment":"neutral","sentiment_score":-0.26508358120918274}],"sentiment":"neutral","sentiment_score":-0.26508358120918274,"channel":1,"num_words":1,"start":984.58997,"end":985.08997},{"sentences":[{"text":"insurance premiums coming out of your super do have a negative impact.","start":984.66504,"end":988.10504,"sentiment":"negative","sentiment_score":-0.44555407017469406},{"text":"It does mean that you end up, you know, with a little bit less, But we've tried to limit that as much as possible.","start":988.10504,"end":994.47003,"sentiment":"neutral","sentiment_score":-0.26518637997408706},{"text":"But you can sort of see over the next ten years by making the change, we still estimate you should be able to get about 352,401 if the portfolio works the way it has.","start":994.47003,"end":1005.435,"sentiment":"neutral","sentiment_score":0.18699995713198886},{"text":"And we can do other things.","start":1005.995,"end":1007.435,"sentiment":"neutral","sentiment_score":0.24657260874907175},{"text":"We can build on that.","start":1007.435,"end":1008.475,"sentiment":"positive","sentiment_score":0.4133337676525116}],"sentiment":"neutral","sentiment_score":-0.022308875657158132,"channel":0,"num_words":81,"start":984.66504,"end":1008.475},{"sentences":[{"text":"We can reduce the insurances as we need to.","start":1008.475,"end":1011.295,"sentiment":"neutral","sentiment_score":0.22379043781095082},{"text":"We can also look at additional contributions to keep building on that for you.","start":1011.515,"end":1015.515,"sentiment":"neutral","sentiment_score":0.2734886631369591},{"text":"Okay?","start":1015.515,"end":1016.015,"sentiment":"neutral","sentiment_score":0.09062056243419649}],"sentiment":"neutral","sentiment_score":0.24723232444375753,"channel":0,"num_words":24,"start":1008.475,"end":1016.015},{"sentences":[{"text":"Yeah.","start":1016.06,"end":1016.54,"sentiment":"neutral","sentiment_score":0.08929979801177979},{"text":"Yeah.","start":1016.54,"end":1017.04,"sentiment":"neutral","sentiment_score":0.1595304012298584}],"sentiment":"neutral","sentiment_score":0.12441509962081909,"channel":1,"num_words":2,"start":1016.06,"end":1017.04},{"sentences":[{"text":"Beautiful.","start":1017.755,"end":1018.255,"sentiment":"positive","sentiment_score":0.3858161270618438},{"text":"Does that make sense so far?","start":1018.475,"end":1019.755,"sentiment":"neutral","sentiment_score":0.19645890593528748},{"text":"Do you have","start":1019.755,"end":1020.15497,"sentiment":"neutral","sentiment_score":0.03619301070769628}],"sentiment":"neutral","sentiment_score":0.16731485947966576,"channel":0,"num_words":10,"start":1017.755,"end":1020.15497},{"sentences":[{"text":"Okay.","start":1020.08496,"end":1020.58496,"sentiment":"neutral","sentiment_score":0.026564430445432663}],"sentiment":"neutral","sentiment_score":0.026564430445432663,"channel":1,"num_words":1,"start":1020.08496,"end":1020.58496},{"sentences":[{"text":"any questions?","start":1020.15497,"end":1020.895,"sentiment":"neutral","sentiment_score":0.01399860717356205},{"text":"No?","start":1023.08997,"end":1023.56995,"sentiment":"neutral","sentiment_score":0.0242927148938179},{"text":"Beautiful.","start":1023.56995,"end":1024.07,"sentiment":"neutral","sentiment_score":0.20917654037475583},{"text":"If you go down for me to page number 23, this is the insurance side of things.","start":1025.1699,"end":1030.95,"sentiment":"neutral","sentiment_score":0.04661364930079264},{"text":"Now at the moment, you do have your nearest life and TBD policy there.","start":1033.09,"end":1037.005,"sentiment":"neutral","sentiment_score":0.03538374203656401}],"sentiment":"neutral","sentiment_score":0.04426488274974483,"channel":0,"num_words":35,"start":1020.15497,"end":1037.005},{"sentences":[{"text":"Your current sum insured is 327,302.","start":1037.005,"end":1041.505,"sentiment":"neutral","sentiment_score":0.02799850112448136},{"text":"These are paid out of your super funds, and the current cost of those for this year, essentially, was $2,481.30.","start":1041.7251,"end":1049.9651,"sentiment":"neutral","sentiment_score":0.03330978825688362},{"text":"That was how much paid out of the super fund.","start":1049.9651,"end":1052.55,"sentiment":"neutral","sentiment_score":0.03231049440801144},{"text":"We get a bit of a 15% discount.","start":1052.55,"end":1054.79,"sentiment":"neutral","sentiment_score":0.09602540731430054},{"text":"So you","start":1054.79,"end":1055.19,"sentiment":"neutral","sentiment_score":0.03628555312752724}],"sentiment":"neutral","sentiment_score":0.043436219146394214,"channel":0,"num_words":46,"start":1037.005,"end":1055.19},{"sentences":[{"text":"Mhmm.","start":1055.1849,"end":1055.6849,"sentiment":"neutral","sentiment_score":0.010800352320075037}],"sentiment":"neutral","sentiment_score":0.010800352320075037,"channel":1,"num_words":1,"start":1055.1849,"end":1055.6849},{"sentences":[{"text":"know how taxation when contributions go into super, they're taxed at 15%?","start":1055.19,"end":1059.53,"sentiment":"neutral","sentiment_score":0.0028854529082309455}],"sentiment":"neutral","sentiment_score":0.0028854529082309455,"channel":0,"num_words":12,"start":1055.19,"end":1059.53},{"sentences":[{"text":"Yes.","start":1059.9049,"end":1060.4049,"sentiment":"neutral","sentiment_score":0.047618091106414795}],"sentiment":"neutral","sentiment_score":0.047618091106414795,"channel":1,"num_words":1,"start":1059.9049,"end":1060.4049},{"sentences":[{"text":"Yep.","start":1060.87,"end":1061.19,"sentiment":"neutral","sentiment_score":0.0643487274646759},{"text":"So how it works with insurance premiums is when the money is rolled out of your super fund to Neos, it actually doesn't leave the super system, and they give you a 15% discount.","start":1061.19,"end":1072.025,"sentiment":"neutral","sentiment_score":0.09304028990514138},{"text":"It's sort of how the rebate works from their end.","start":1072.085,"end":1074.825,"sentiment":"neutral","sentiment_score":0.08643276691436767}],"sentiment":"neutral","sentiment_score":0.09093436118629243,"channel":0,"num_words":45,"start":1060.87,"end":1074.825},{"sentences":[{"text":"Yeah.","start":1074.36,"end":1074.86,"sentiment":"neutral","sentiment_score":0.045389458537101746},{"text":"Mhmm.","start":1075.0,"end":1075.5,"sentiment":"neutral","sentiment_score":0.05080803111195564}],"sentiment":"neutral","sentiment_score":0.048098744824528694,"channel":1,"num_words":2,"start":1074.36,"end":1075.5},{"sentences":[{"text":"So they actually received the $2,919.18, but you get a 15% discount on the premium paid out of super.","start":1075.045,"end":1083.82,"sentiment":"neutral","sentiment_score":0.09158613199466153},{"text":"So you've only paid the $2.04 $8.01 30, which is good to know.","start":1083.82,"end":1087.9199,"sentiment":"neutral","sentiment_score":0.1799528650366343},{"text":"It'd be great if we got those private discounts all the time, but that's essentially just the how the super system works.","start":1088.1399,"end":1095.3151,"sentiment":"neutral","sentiment_score":0.178372283550826},{"text":"Okay?","start":1095.535,"end":1096.035,"sentiment":"neutral","sentiment_score":0.03201965242624283},{"text":"So we are just gonna retain your life and TPD at the moment.","start":1098.095,"end":1101.235,"sentiment":"neutral","sentiment_score":0.12301975230758007}],"sentiment":"neutral","sentiment_score":0.14169103564584956,"channel":0,"num_words":68,"start":1075.045,"end":1101.235},{"sentences":[{"text":"You have made mention to me you were comfortable with that level of cover.","start":1101.375,"end":1104.415,"sentiment":"neutral","sentiment_score":0.1625163427421025},{"text":"We will keep reviewing that for you Every year as the policy goes through renewal, as you get older, the risk of you making a claim increases.","start":1104.415,"end":1112.9701,"sentiment":"neutral","sentiment_score":-0.057697110843879205},{"text":"So these policies do get more and more expensive.","start":1113.1101,"end":1115.53,"sentiment":"neutral","sentiment_score":-0.23047782315148246},{"text":"So I wanna make sure we review them with you, look at the level of cover you have, look at how much you're paying for these, and make sure we can reduce them back when we need to so that you're not it's not eating away all of your super.","start":1115.91,"end":1127.805,"sentiment":"neutral","sentiment_score":-0.004052985087037088},{"text":"That's one of the biggest risk factors with insurances inside super is because the premiums get more expensive, it has a greater effect on your super long term, and we wanna kind of try to reduce that as much as we possibly can whilst making sure you've got that level of cover to protect you in the event that something was to happen.","start":1128.025,"end":1145.95,"sentiment":"neutral","sentiment_score":-0.17366334874301204}],"sentiment":"neutral","sentiment_score":-0.07668916458846783,"channel":0,"num_words":163,"start":1101.375,"end":1145.95},{"sentences":[{"text":"Okay?","start":1146.01,"end":1146.51,"sentiment":"neutral","sentiment_score":0.047603338956832886}],"sentiment":"neutral","sentiment_score":0.047603338956832886,"channel":0,"num_words":1,"start":1146.01,"end":1146.51},{"sentences":[{"text":"Yeah.","start":1147.4149,"end":1147.735,"sentiment":"neutral","sentiment_score":0.10106755793094636},{"text":"Yeah.","start":1147.735,"end":1148.235,"sentiment":"neutral","sentiment_score":0.280298113822937}],"sentiment":"neutral","sentiment_score":0.19068283587694168,"channel":1,"num_words":2,"start":1147.4149,"end":1148.235},{"sentences":[{"text":"Excellent.","start":1148.6951,"end":1148.935,"sentiment":"positive","sentiment_score":0.5363665819168091},{"text":"And so keeping the life and TPD in place as near.","start":1148.935,"end":1151.895,"sentiment":"positive","sentiment_score":0.39332373304800555},{"text":"There's no changes to those, but we'll keep reviewing those moving down.","start":1151.895,"end":1155.275,"sentiment":"neutral","sentiment_score":0.20829086378216743},{"text":"If you can go to page 27 for me, this is essentially looking at your income protection.","start":1155.895,"end":1160.875,"sentiment":"neutral","sentiment_score":0.06821449692634975},{"text":"So the one of the things that we talked about was that you are single, you've got a young daughter, and you work really hard.","start":1160.935,"end":1166.87,"sentiment":"neutral","sentiment_score":0.032171087339520454}],"sentiment":"neutral","sentiment_score":0.14130820669798236,"channel":0,"num_words":66,"start":1148.6951,"end":1166.87},{"sentences":[{"text":"But what happens in the event that you're unable to go to work due to illness or injury, and you wanted to have just a level of cover to protect you in that event?","start":1166.87,"end":1174.8099,"sentiment":"neutral","sentiment_score":-0.0314330138704356},{"text":"We are looking at a ninety day waiting period and a five year benefit period, so it does mean you have to be off work for ninety days prior to making a claim.","start":1176.1649,"end":1184.9049,"sentiment":"neutral","sentiment_score":0.006505309223112735},{"text":"And, essentially, you can be on a claim for up to five years.","start":1185.205,"end":1188.6449,"sentiment":"neutral","sentiment_score":0.004225185284247765},{"text":"That was sort of the level you were comfortable with at the moment, and this is the best way to make it as cheap as possible, but still providing you with a level of benefit that you can use in the event of making a claim.","start":1188.6449,"end":1200.76,"sentiment":"neutral","sentiment_score":0.1932123713195324},{"text":"I we did that pre assessment as 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injured.","start":1216.035,"end":1233.365,"sentiment":"neutral","sentiment_score":-0.31576247413953146},{"text":"So insurance companies see that as a very high risk occupation.","start":1233.4249,"end":1236.8049,"sentiment":"negative","sentiment_score":-0.3759723928841678},{"text":"So Neos was actually gonna be charging close to about $5 for the year for the insurance premiums, and I wasn't happy with that.","start":1237.6649,"end":1244.7,"sentiment":"negative","sentiment_score":-0.549643291781346}],"sentiment":"neutral","sentiment_score":-0.3038627534572567,"channel":0,"num_words":112,"start":1204.595,"end":1244.7},{"sentences":[{"text":"I did not want you to be eating away your super at a faster level.","start":1244.7799,"end":1248.3999,"sentiment":"negative","sentiment_score":-0.720665434996287},{"text":"So","start":1249.4199,"end":1249.6599,"sentiment":"neutral","sentiment_score":-0.07580003142356873}],"sentiment":"negative","sentiment_score":-0.6803613472729921,"channel":0,"num_words":16,"start":1244.7799,"end":1249.6599},{"sentences":[{"text":"Yeah.","start":1249.46,"end":1249.96,"sentiment":"neutral","sentiment_score":-0.06951428204774857}],"sentiment":"neutral","sentiment_score":-0.06951428204774857,"channel":1,"num_words":1,"start":1249.46,"end":1249.96},{"sentences":[{"text":"I went back and had a look at all the other insurers.","start":1249.6599,"end":1252.96,"sentiment":"neutral","sentiment_score":-0.07146910236527522},{"text":"The insurer we've gone with is Zurich, so it means you'll","start":1253.82,"end":1257.0199,"sentiment":"neutral","sentiment_score":0.021298631771721623}],"sentiment":"neutral","sentiment_score":-0.02710192516932021,"channel":0,"num_words":23,"start":1249.6599,"end":1257.0199},{"sentences":[{"text":"Yeah.","start":1256.775,"end":1257.275,"sentiment":"neutral","sentiment_score":0.0057904887944459915}],"sentiment":"neutral","sentiment_score":0.0057904887944459915,"channel":1,"num_words":1,"start":1256.775,"end":1257.275},{"sentences":[{"text":"have two different insurers for your insurance policy.","start":1257.0199,"end":1260.005,"sentiment":"neutral","sentiment_score":-0.018730190815404058},{"text":"However, I will keep looking after that with you, and we'll make sure we review that.","start":1260.145,"end":1264.545,"sentiment":"neutral","sentiment_score":0.016503203427419066},{"text":"If you ever had to make a claim, we have to facilitate that for you to make it 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me,","start":1270.26,"end":1273.56,"sentiment":"neutral","sentiment_score":0.010790020227432251}],"sentiment":"neutral","sentiment_score":0.010790020227432251,"channel":1,"num_words":7,"start":1270.26,"end":1273.56},{"sentences":[{"text":"Mhmm.","start":1274.02,"end":1274.52,"sentiment":"neutral","sentiment_score":-0.004265704192221165}],"sentiment":"neutral","sentiment_score":-0.004265704192221165,"channel":0,"num_words":1,"start":1274.02,"end":1274.52},{"sentences":[{"text":"those four 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second job?","start":1385.0599,"end":1389.32,"sentiment":"neutral","sentiment_score":-0.24595418721437454}],"sentiment":"neutral","sentiment_score":-0.24595418721437454,"channel":1,"num_words":10,"start":1385.0599,"end":1389.32},{"sentences":[{"text":"It means that you're still you're not able to claim on the income protection","start":1390.015,"end":1394.355,"sentiment":"neutral","sentiment_score":-0.20378841353314264}],"sentiment":"neutral","sentiment_score":-0.20378841353314264,"channel":0,"num_words":14,"start":1390.015,"end":1394.355},{"sentences":[{"text":"Yeah.","start":1393.86,"end":1394.36,"sentiment":"neutral","sentiment_score":-0.11321934312582016}],"sentiment":"neutral","sentiment_score":-0.11321934312582016,"channel":1,"num_words":1,"start":1393.86,"end":1394.36},{"sentences":[{"text":"just solely for your second job.","start":1394.415,"end":1395.935,"sentiment":"neutral","sentiment_score":-0.11297219370802243},{"text":"But say if you broke your back and you couldn't do, you know, your second job every weekend and you went you still couldn't do your main occupation, you can still claim.","start":1395.935,"end":1405.96,"sentiment":"neutral","sentiment_score":-0.18715616664849222},{"text":"It's just based on your main occupation to say","start":1406.02,"end":1408.26,"sentiment":"neutral","sentiment_score":-0.06548433957828416}],"sentiment":"neutral","sentiment_score":-0.1543870117277541,"channel":0,"num_words":47,"start":1394.415,"end":1408.26},{"sentences":[{"text":"Okay.","start":1408.205,"end":1408.705,"sentiment":"neutral","sentiment_score":-0.2081366926431656}],"sentiment":"neutral","sentiment_score":-0.2081366926431656,"channel":1,"num_words":1,"start":1408.205,"end":1408.705},{"sentences":[{"text":"you broke your back","start":1408.26,"end":1409.06,"sentiment":"neutral","sentiment_score":-0.25066154822707176}],"sentiment":"neutral","sentiment_score":-0.25066154822707176,"channel":0,"num_words":4,"start":1408.26,"end":1409.06},{"sentences":[{"text":"Okay.","start":1408.9249,"end":1409.4249,"sentiment":"neutral","sentiment_score":-0.2879987955093384}],"sentiment":"neutral","sentiment_score":-0.2879987955093384,"channel":1,"num_words":1,"start":1408.9249,"end":1409.4249},{"sentences":[{"text":"and you were bedridden for, you know, that ninety days, and you couldn't even work it.","start":1409.06,"end":1413.3,"sentiment":"neutral","sentiment_score":-0.32800905779004097},{"text":"I mean, I personally if I'm hurt my back doing admin work laying down","start":1413.3,"end":1417.62,"sentiment":"negative","sentiment_score":-0.3918114240680422}],"sentiment":"negative","sentiment_score":-0.35778349538644155,"channel":0,"num_words":30,"start":1409.06,"end":1417.62},{"sentences":[{"text":"Yeah.","start":1417.46,"end":1417.96,"sentiment":"neutral","sentiment_score":-0.32109808921813965}],"sentiment":"neutral","sentiment_score":-0.32109808921813965,"channel":1,"num_words":1,"start":1417.46,"end":1417.96},{"sentences":[{"text":"or it still hurts.","start":1417.62,"end":1419.275,"sentiment":"negative","sentiment_score":-0.41239456087350845},{"text":"So things like that are still gonna be claimable, but it just means you need to not be able to go to your main occupation.","start":1419.3351,"end":1425.8351,"sentiment":"negative","sentiment_score":-0.3435735186934471},{"text":"And, realistically,","start":1426.055,"end":1426.875,"sentiment":"neutral","sentiment_score":-0.12536996603012085}],"sentiment":"negative","sentiment_score":-0.33837600460936945,"channel":0,"num_words":31,"start":1417.62,"end":1426.875},{"sentences":[{"text":"Yeah.","start":1426.735,"end":1427.235,"sentiment":"neutral","sentiment_score":-0.2245657294988632}],"sentiment":"neutral","sentiment_score":-0.2245657294988632,"channel":1,"num_words":1,"start":1426.735,"end":1427.235},{"sentences":[{"text":"if you hurt yourself in a way that you can't do your secondary job, realistically, you're probably gonna be off from your main occupation as well as an admin","start":1427.0951,"end":1435.0499,"sentiment":"neutral","sentiment_score":-0.2966182355223031}],"sentiment":"neutral","sentiment_score":-0.2966182355223031,"channel":0,"num_words":29,"start":1427.0951,"end":1435.0499},{"sentences":[{"text":"Yeah.","start":1434.815,"end":1435.26,"sentiment":"neutral","sentiment_score":-0.08002890646457672}],"sentiment":"neutral","sentiment_score":-0.08002890646457672,"channel":1,"num_words":1,"start":1434.815,"end":1435.26},{"sentences":[{"text":"worker.","start":1435.0499,"end":1435.5499,"sentiment":"neutral","sentiment_score":-0.024489931762218475}],"sentiment":"neutral","sentiment_score":-0.024489931762218475,"channel":0,"num_words":1,"start":1435.0499,"end":1435.5499},{"sentences":[{"text":"Yes.","start":1435.42,"end":1435.92,"sentiment":"neutral","sentiment_score":-0.04347607493400574}],"sentiment":"neutral","sentiment_score":-0.04347607493400574,"channel":1,"num_words":1,"start":1435.42,"end":1435.92},{"sentences":[{"text":"I think insurers insurance assume admin","start":1436.1699,"end":1440.01,"sentiment":"neutral","sentiment_score":-0.02828206494450569}],"sentiment":"neutral","sentiment_score":-0.02828206494450569,"channel":0,"num_words":6,"start":1436.1699,"end":1440.01},{"sentences":[{"text":"Okay.","start":1439.9,"end":1440.4,"sentiment":"neutral","sentiment_score":-0.046133652329444885}],"sentiment":"neutral","sentiment_score":-0.046133652329444885,"channel":1,"num_words":1,"start":1439.9,"end":1440.4},{"sentences":[{"text":"workers are, you know, the the safest occupation because something has to be really, really wrong.","start":1440.01,"end":1446.375,"sentiment":"neutral","sentiment_score":-0.14931959751993418},{"text":"But, I mean, I'm an acting worker.","start":1446.375,"end":1448.135,"sentiment":"neutral","sentiment_score":-0.16925851149218424},{"text":"I sit at a desk most of my day and things like that.","start":1448.135,"end":1451.195,"sentiment":"neutral","sentiment_score":-0.2121956738141867},{"text":"And in all honesty, when I have a bad back or sciatica","start":1451.735,"end":1454.795,"sentiment":"negative","sentiment_score":-0.3710607762138049}],"sentiment":"neutral","sentiment_score":-0.22469158781071505,"channel":0,"num_words":48,"start":1440.01,"end":1454.795},{"sentences":[{"text":"Yes.","start":1454.7051,"end":1455.2051,"sentiment":"negative","sentiment_score":-0.5503559112548828}],"sentiment":"negative","sentiment_score":-0.5503559112548828,"channel":1,"num_words":1,"start":1454.7051,"end":1455.2051},{"sentences":[{"text":"pain, it really hurts.","start":1454.855,"end":1456.215,"sentiment":"negative","sentiment_score":-0.6803879290819168},{"text":"I have to stand up and sit down and move around, and it makes things really, really hard on me too.","start":1456.215,"end":1461.255,"sentiment":"negative","sentiment_score":-0.6216067756925311},{"text":"So there's actually quite a lot of things that could go wrong that stop you from doing both of your jobs, not just the secondary 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the appendices, which is attached to that docu the OdoSign there as a it's an attachment on your main email.","start":1473.1599,"end":1481.085,"sentiment":"neutral","sentiment_score":0.08835526839608238},{"text":"I've also got the comparison in there for the different insurers on with the alternatives that I considered.","start":1481.465,"end":1489.11,"sentiment":"neutral","sentiment_score":0.09805496202574836},{"text":"So I also looked at a thirty day waiting period and a two year benefit period.","start":1489.11,"end":1493.29,"sentiment":"neutral","sentiment_score":0.029908793163485825},{"text":"That essentially means that you just have to be off work for thirty days prior to making a claim, and the two year benefit period means the claim stops at two years.","start":1493.5901,"end":1501.93,"sentiment":"neutral","sentiment_score":-0.014551427215337753},{"text":"Sorry.","start":1502.385,"end":1502.885,"sentiment":"neutral","sentiment_score":-0.1428581476211548}],"sentiment":"neutral","sentiment_score":0.03966462301005694,"channel":0,"num_words":88,"start":1473.1599,"end":1502.885},{"sentences":[{"text":"Zurich is still paying out the cheapest fare.","start":1504.145,"end":1507.365,"sentiment":"neutral","sentiment_score":-0.0761365971993655}],"sentiment":"neutral","sentiment_score":-0.0761365971993655,"channel":0,"num_words":8,"start":1504.145,"end":1507.365},{"sentences":[{"text":"Yeah.","start":1507.89,"end":1508.39,"sentiment":"neutral","sentiment_score":-0.07709142565727234}],"sentiment":"neutral","sentiment_score":-0.07709142565727234,"channel":1,"num_words":1,"start":1507.89,"end":1508.39},{"sentences":[{"text":"It's the thirty day waiting period is making the policies more expensive, but it is more expensive than essentially what","start":1508.0651,"end":1514.545,"sentiment":"neutral","sentiment_score":-0.185742711648345}],"sentiment":"neutral","sentiment_score":-0.185742711648345,"channel":0,"num_words":20,"start":1508.0651,"end":1514.545},{"sentences":[{"text":"Yes.","start":1514.445,"end":1514.945,"sentiment":"neutral","sentiment_score":0.04629995301365853}],"sentiment":"neutral","sentiment_score":0.04629995301365853,"channel":1,"num_words":1,"start":1514.445,"end":1514.945},{"sentences":[{"text":"we had recommended.","start":1514.545,"end":1515.845,"sentiment":"neutral","sentiment_score":0.06352930267651875}],"sentiment":"neutral","sentiment_score":0.06352930267651875,"channel":0,"num_words":3,"start":1514.545,"end":1515.845},{"sentences":[{"text":"Yes.","start":1515.4049,"end":1515.9049,"sentiment":"neutral","sentiment_score":0.08972454071044922}],"sentiment":"neutral","sentiment_score":0.08972454071044922,"channel":1,"num_words":1,"start":1515.4049,"end":1515.9049},{"sentences":[{"text":"And I also looked at an alternative of a ninety day wait and a two year benefit.","start":1516.9401,"end":1521.04,"sentiment":"neutral","sentiment_score":0.08407195043914459},{"text":"Zurich, again, came out the best option.","start":1521.42,"end":1523.68,"sentiment":"neutral","sentiment_score":0.2831009498664311},{"text":"It does reduce the premium to about $732, so it is cheaper than what was recommended.","start":1523.74,"end":1529.92,"sentiment":"neutral","sentiment_score":0.2702203458175063},{"text":"But my main reason for recommending a five year benefit period is that more well, ninety percent of claims are finished within that first two years.","start":1530.535,"end":1540.215,"sentiment":"neutral","sentiment_score":0.11718275441000095},{"text":"There is a risk of being on a partial claim, especially in your main occupation where you could work one, two, or three days a week and still be getting some of that income protection policy as a buffer.","start":1540.215,"end":1552.4501,"sentiment":"neutral","sentiment_score":-0.09848000147403815}],"sentiment":"neutral","sentiment_score":0.06609987520745822,"channel":0,"num_words":105,"start":1516.9401,"end":1552.4501},{"sentences":[{"text":"And those sorts of claims can start from one to two year to three years onwards.","start":1552.67,"end":1557.63,"sentiment":"neutral","sentiment_score":-0.024807175737805665},{"text":"So having that five year benefit period just reduces the risk level a little bit more for you.","start":1557.63,"end":1563.485,"sentiment":"neutral","sentiment_score":0.23414351460006502},{"text":"Does that make sense?","start":1563.485,"end":1564.625,"sentiment":"neutral","sentiment_score":0.13571094162762165}],"sentiment":"neutral","sentiment_score":0.11475032151333596,"channel":0,"num_words":38,"start":1552.67,"end":1564.625},{"sentences":[{"text":"Yeah.","start":1564.81,"end":1565.2001,"sentiment":"neutral","sentiment_score":0.06973990797996521}],"sentiment":"neutral","sentiment_score":0.06973990797996521,"channel":1,"num_words":1,"start":1564.81,"end":1565.2001},{"sentences":[{"text":"Yeah.","start":1565.005,"end":1565.505,"sentiment":"neutral","sentiment_score":0.08588090538978577}],"sentiment":"neutral","sentiment_score":0.08588090538978577,"channel":0,"num_words":1,"start":1565.005,"end":1565.505},{"sentences":[{"text":"Yeah.","start":1565.2001,"end":1565.4501,"sentiment":"neutral","sentiment_score":0.10982415080070496},{"text":"Yeah.","start":1565.4501,"end":1565.9501,"sentiment":"neutral","sentiment_score":0.13701748847961426}],"sentiment":"neutral","sentiment_score":0.1234208196401596,"channel":1,"num_words":2,"start":1565.2001,"end":1565.9501},{"sentences":[{"text":"Yeah.","start":1565.885,"end":1566.385,"sentiment":"neutral","sentiment_score":0.23748639225959775},{"text":"Beautiful.","start":1566.6051,"end":1567.1051,"sentiment":"positive","sentiment_score":0.5391612648963928}],"sentiment":"positive","sentiment_score":0.3883238285779953,"channel":0,"num_words":2,"start":1565.885,"end":1567.1051},{"sentences":[{"text":"Mhmm.","start":1567.37,"end":1567.87,"sentiment":"neutral","sentiment_score":0.20710408687591553}],"sentiment":"neutral","sentiment_score":0.20710408687591553,"channel":1,"num_words":1,"start":1567.37,"end":1567.87},{"sentences":[{"text":"That so that's essentially the recommendation with the insurances there.","start":1568.365,"end":1572.06,"sentiment":"neutral","sentiment_score":0.16500980779528618},{"text":"And all up, as per that projection table, we do estimate with the first year's premium, the total deducted from Super is $3,456.","start":1572.14,"end":1581.8201,"sentiment":"neutral","sentiment_score":0.16848003734713016},{"text":"That's the Zurich policy as well as the nearest life and TV that you do currently already hold.","start":1581.8201,"end":1587.92,"sentiment":"neutral","sentiment_score":0.15383284332023728},{"text":"Okay.","start":1588.165,"end":1588.665,"sentiment":"neutral","sentiment_score":0.10687816888093948}],"sentiment":"neutral","sentiment_score":0.16155785164580896,"channel":0,"num_words":52,"start":1568.365,"end":1588.665},{"sentences":[{"text":"Mhmm.","start":1589.26,"end":1589.76,"sentiment":"neutral","sentiment_score":0.10718975961208344}],"sentiment":"neutral","sentiment_score":0.10718975961208344,"channel":1,"num_words":1,"start":1589.26,"end":1589.76},{"sentences":[{"text":"Yeah.","start":1589.285,"end":1589.785,"sentiment":"neutral","sentiment_score":0.25033724308013916},{"text":"Beautiful.","start":1590.085,"end":1590.585,"sentiment":"neutral","sentiment_score":0.008863639086484909},{"text":"Underneath that page, if you go down, you'll see we've also got the free assessment results there, and it just notes that for the income protection, the secondary occupation would be excluded.","start":1592.085,"end":1601.625,"sentiment":"neutral","sentiment_score":-0.013896008807932958},{"text":"In order to have this policy placed in force, we do need to do an application.","start":1602.6599,"end":1606.36,"sentiment":"neutral","sentiment_score":0.02626706543378532},{"text":"So if you're happy to take your recommendations, my team will book you in for an application with my colleague, Jack.","start":1606.5,"end":1612.2599,"sentiment":"neutral","sentiment_score":0.22655389245067323}],"sentiment":"neutral","sentiment_score":0.07031596322137286,"channel":0,"num_words":71,"start":1589.285,"end":1612.2599},{"sentences":[{"text":"Or if you prefer to speak to one of those girls, I can organize it with Sammy, my admin worker.","start":1612.2599,"end":1616.58,"sentiment":"neutral","sentiment_score":0.19534518085420133},{"text":"She's beautiful.","start":1616.58,"end":1617.3999,"sentiment":"positive","sentiment_score":0.828780859708786},{"text":"And they just go through an in-depth application with you to apply for the cover the same as you would have gone through for Neos.","start":1617.675,"end":1625.135,"sentiment":"positive","sentiment_score":0.34296449899673465},{"text":"That application goes through the underwriting.","start":1625.675,"end":1627.6951,"sentiment":"neutral","sentiment_score":0.05169559052834908},{"text":"We kinda went to the pre assessment.","start":1628.4751,"end":1630.0751,"sentiment":"neutral","sentiment_score":0.0012092853763273784}],"sentiment":"neutral","sentiment_score":0.24095360587040585,"channel":0,"num_words":60,"start":1612.2599,"end":1630.0751},{"sentences":[{"text":"There was nothing that came out that flagged, but any changes to your health, if there's anything that flags that could be of a higher risk, then there is the risk of them having exclusions or loadings applied to the policy.","start":1630.0751,"end":1641.89,"sentiment":"neutral","sentiment_score":-0.17655867810656384},{"text":"But, I mean, we did the the pre assessment.","start":1642.03,"end":1644.61,"sentiment":"neutral","sentiment_score":0.06577533069584104},{"text":"You're pretty healthy.","start":1644.825,"end":1645.7849,"sentiment":"neutral","sentiment_score":0.28941962619622547},{"text":"It's just that secondary occupation that flagged for us.","start":1645.7849,"end":1648.845,"sentiment":"neutral","sentiment_score":0.06621351920896107},{"text":"And Zurich have already confirmed that they'll just exclude that occupation from your income protection 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bottom here, you've got the projection table there with your current and recommended, but it also shows you the difference.","start":1665.52,"end":1672.02,"sentiment":"neutral","sentiment_score":0.009203593557079634},{"text":"The projection, if you did not pay insurance to that.","start":1672.435,"end":1675.555,"sentiment":"neutral","sentiment_score":-0.05514826290309429},{"text":"So you can see that 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of five to ten years.","start":1692.97,"end":1704.925,"sentiment":"neutral","sentiment_score":-0.020440039173182514},{"text":"So looking at that, it's not a huge difference.","start":1705.145,"end":1708.445,"sentiment":"neutral","sentiment_score":0.05226275780134731},{"text":"It's only a minor difference, really, to give you a level of cover to protect you.","start":1708.505,"end":1714.105,"sentiment":"neutral","sentiment_score":0.14740837946010288},{"text":"It works out to be over ten years, about $51,000, but it could definitely be worse.","start":1714.105,"end":1719.75,"sentiment":"neutral","sentiment_score":-0.27872566133737564}],"sentiment":"neutral","sentiment_score":-0.05833350844322475,"channel":0,"num_words":122,"start":1680.035,"end":1719.75},{"sentences":[{"text":"Okay?","start":1721.65,"end":1722.15,"sentiment":"neutral","sentiment_score":-0.17592878639698029},{"text":"It's one of those 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to your super fully.","start":1801.6,"end":1803.12,"sentiment":"neutral","sentiment_score":-0.12478034570813179}],"sentiment":"neutral","sentiment_score":-0.12478034570813179,"channel":0,"num_words":5,"start":1801.6,"end":1803.12},{"sentences":[{"text":"Yes.","start":1802.885,"end":1803.385,"sentiment":"neutral","sentiment_score":-0.022579049691557884}],"sentiment":"neutral","sentiment_score":-0.022579049691557884,"channel":1,"num_words":1,"start":1802.885,"end":1803.385},{"sentences":[{"text":"So, realistically, if you get to 60 in ten years' time and, you know, you've still got that income protection, you still wanna work longer, but if you hurt yourself, realistically, we could cancel that cover because if you're unable to go to work, we just sign the declaration to say you're not working anymore, and you get access to your super benefit wholly, and it's all tax 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who relies on us financially, and anyone with an interdependent relationship.","start":2099.345,"end":2113.86,"sentiment":"neutral","sentiment_score":-0.011830202638147732},{"text":"So exactly the same thing.","start":2113.92,"end":2115.12,"sentiment":"neutral","sentiment_score":0.04903040528297424}],"sentiment":"neutral","sentiment_score":-0.04982723077563079,"channel":0,"num_words":76,"start":2088.19,"end":2115.12},{"sentences":[{"text":"They just have two birds for it.","start":2115.12,"end":2116.74,"sentiment":"neutral","sentiment_score":0.09537114522286824},{"text":"Essentially, under that, your child, whether they're over 18 or 18, fully fit that criteria.","start":2117.68,"end":2125.1401,"sentiment":"neutral","sentiment_score":0.09729251066843668},{"text":"Your system, unfortunately, doesn't.","start":2125.745,"end":2127.445,"sentiment":"neutral","sentiment_score":-0.19205975160002708},{"text":"But then in order once the beneficiary is set up and to have it paid down, it then 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can send you an email with some information on a local solicitor that we can use, but also I can grab, like, the each state has, like, a government trustee that can set up wills very cheaply for you.","start":2199.47,"end":2211.2952,"sentiment":"neutral","sentiment_score":0.2048844453401682},{"text":"They can be done over the phone or at your local office.","start":2211.2952,"end":2214.195,"sentiment":"neutral","sentiment_score":0.25016974781950313},{"text":"And I can get you that information as well if you like to make it easier on you.","start":2214.3352,"end":2217.96,"sentiment":"positive","sentiment_score":0.34681064552730984}],"sentiment":"neutral","sentiment_score":0.23051706254482268,"channel":0,"num_words":95,"start":2193.07,"end":2217.96},{"sentences":[{"text":"Yeah.","start":2218.91,"end":2219.3901,"sentiment":"positive","sentiment_score":0.34334796667099},{"text":"That'll be 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probate.","start":2240.2952,"end":2255.0598,"sentiment":"neutral","sentiment_score":-0.1096342661754882},{"text":"And that's a pretty horrible process.","start":2255.0598,"end":2257.0598,"sentiment":"negative","sentiment_score":-0.5345490326484045},{"text":"It's basically where it goes to the court system.","start":2257.0598,"end":2259.7952,"sentiment":"negative","sentiment_score":-0.375972631904814},{"text":"So, yeah, just making sure your will is drawn up.","start":2261.135,"end":2263.455,"sentiment":"neutral","sentiment_score":-0.0978315033018589}],"sentiment":"neutral","sentiment_score":-0.1736837531095498,"channel":0,"num_words":73,"start":2239.495,"end":2263.455},{"sentences":[{"text":"We can hold off on changing the beneficiaries until your will 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situation.","start":2319.085,"end":2320.2249,"sentiment":"neutral","sentiment_score":-0.021982005797326565}],"sentiment":"neutral","sentiment_score":-0.009919973462820053,"channel":1,"num_words":5,"start":2318.765,"end":2320.2249},{"sentences":[{"text":"Yeah.","start":2321.045,"end":2321.545,"sentiment":"neutral","sentiment_score":0.04935204237699509}],"sentiment":"neutral","sentiment_score":0.04935204237699509,"channel":0,"num_words":1,"start":2321.045,"end":2321.545},{"sentences":[{"text":"But yeah.","start":2323.565,"end":2324.205,"sentiment":"neutral","sentiment_score":0.056663934141397476},{"text":"Okay.","start":2324.205,"end":2324.705,"sentiment":"neutral","sentiment_score":0.10119591653347015},{"text":"Yeah.","start":2325.005,"end":2325.325,"sentiment":"neutral","sentiment_score":0.12728464603424072},{"text":"Send that send it through anyway.","start":2325.325,"end":2327.345,"sentiment":"neutral","sentiment_score":0.15619531770547232}],"sentiment":"neutral","sentiment_score":0.12789803370833397,"channel":1,"num_words":10,"start":2323.565,"end":2327.345},{"sentences":[{"text":"Absolutely.","start":2327.9102,"end":2328.4102,"sentiment":"positive","sentiment_score":0.4557765424251557}],"sentiment":"positive","sentiment_score":0.4557765424251557,"channel":0,"num_words":1,"start":2327.9102,"end":2328.4102},{"sentences":[{"text":"More information I've got, the better.","start":2328.67,"end":2331.17,"sentiment":"positive","sentiment_score":0.3550788213809331}],"sentiment":"positive","sentiment_score":0.3550788213809331,"channel":1,"num_words":6,"start":2328.67,"end":2331.17},{"sentences":[{"text":"Absolutely.","start":2332.31,"end":2332.81,"sentiment":"positive","sentiment_score":0.45595473051071167},{"text":"And you can sort of have a think about what's gonna be right for you and how how you wanna set up.","start":2333.51,"end":2338.295,"sentiment":"positive","sentiment_score":0.3728920194235715},{"text":"And, yeah, have a chat to your brother.","start":2338.295,"end":2339.6548,"sentiment":"neutral","sentiment_score":0.27460182132199407},{"text":"It's always worth having a chat with people who have recently set up a will, what they thought of the person that did it, how they went through it, what they were asked.","start":2339.6548,"end":2347.015,"sentiment":"neutral","sentiment_score":0.24071973697705704},{"text":"It kinda gives you an idea of what you're sort of walking into because every solicitor lawyer, everyone does them differently.","start":2347.015,"end":2354.0898,"sentiment":"neutral","sentiment_score":0.13879117866357168}],"sentiment":"neutral","sentiment_score":0.25546776235980145,"channel":0,"num_words":85,"start":2332.31,"end":2354.0898},{"sentences":[{"text":"Yeah.","start":2354.4749,"end":2354.9749,"sentiment":"neutral","sentiment_score":0.25142160058021545}],"sentiment":"neutral","sentiment_score":0.25142160058021545,"channel":1,"num_words":1,"start":2354.4749,"end":2354.9749},{"sentences":[{"text":"And, yeah, it's just what's right for you at the end of the day.","start":2355.1099,"end":2357.8298,"sentiment":"positive","sentiment_score":0.4172571876219341},{"text":"It's one of the hardest things we have to sort of think about, but it is definitely one of those things that's worth thinking about and protecting everything.","start":2357.8298,"end":2364.95,"sentiment":"neutral","sentiment_score":0.1639273278415203},{"text":"You've worked way too hard to let it all kinda just hope for the best.","start":2364.95,"end":2369.595,"sentiment":"neutral","sentiment_score":-0.0533809086928765},{"text":"Yeah.","start":2369.895,"end":2370.395,"sentiment":"neutral","sentiment_score":0.1383204609155655}],"sentiment":"neutral","sentiment_score":0.16843401097917352,"channel":0,"num_words":58,"start":2355.1099,"end":2370.395},{"sentences":[{"text":"Yeah.","start":2370.775,"end":2371.275,"sentiment":"neutral","sentiment_score":0.13644352555274963},{"text":"Yeah.","start":2372.455,"end":2372.955,"sentiment":"neutral","sentiment_score":0.15144813060760498}],"sentiment":"neutral","sentiment_score":0.1439458280801773,"channel":1,"num_words":2,"start":2370.775,"end":2372.955},{"sentences":[{"text":"Yeah.","start":2372.6948,"end":2373.1948,"sentiment":"neutral","sentiment_score":0.1926892101764679},{"text":"Oh, good.","start":2374.2148,"end":2375.115,"sentiment":"positive","sentiment_score":0.40229882299900055}],"sentiment":"neutral","sentiment_score":0.3324289520581563,"channel":0,"num_words":3,"start":2372.6948,"end":2375.115},{"sentences":[{"text":"Yeah.","start":2374.775,"end":2375.025,"sentiment":"positive","sentiment_score":0.4072754979133606},{"text":"Cool.","start":2375.025,"end":2375.525,"sentiment":"positive","sentiment_score":0.4734263420104981}],"sentiment":"positive","sentiment_score":0.4403509199619293,"channel":1,"num_words":2,"start":2374.775,"end":2375.525},{"sentences":[{"text":"And underneath that, I've got, obviously, setting up a will and a power of attorney because that, again, is just really important to make sure that is all considered as well.","start":2375.9749,"end":2383.93,"sentiment":"neutral","sentiment_score":0.31574433609362573},{"text":"But feel free to have a read through the document, read through the sections.","start":2383.93,"end":2388.0898,"sentiment":"neutral","sentiment_score":0.2430847010442189},{"text":"If you find you have questions, you can let me know.","start":2388.0898,"end":2390.73,"sentiment":"positive","sentiment_score":0.3534646278077906},{"text":"It's no issue at all.","start":2390.73,"end":2392.5098,"sentiment":"positive","sentiment_score":0.538614547252655}],"sentiment":"neutral","sentiment_score":0.32413842419131855,"channel":0,"num_words":61,"start":2375.9749,"end":2392.5098},{"sentences":[{"text":"Yeah.","start":2393.0,"end":2393.5,"sentiment":"neutral","sentiment_score":0.31025826930999756}],"sentiment":"neutral","sentiment_score":0.31025826930999756,"channel":1,"num_words":1,"start":2393.0,"end":2393.5},{"sentences":[{"text":"The only thing I do have to let you know is with the insurances, with setting up the Zurich insurances there, we do receive remuneration from the insurer for doing this application once it's in 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as cheap as possible for you.","start":2422.925,"end":2427.565,"sentiment":"neutral","sentiment_score":0.27721739700064063},{"text":"So lowered that cost as much as possible.","start":2427.565,"end":2430.305,"sentiment":"positive","sentiment_score":0.3946614973247051},{"text":"It's not paid by you in any way, shape, or form.","start":2430.845,"end":2433.325,"sentiment":"neutral","sentiment_score":0.021058253266594627},{"text":"It is paid by the insurer to us.","start":2433.325,"end":2435.7,"sentiment":"neutral","sentiment_score":0.035194826778024435},{"text":"So we just wanna disclose that and make sure you're fully aware of it.","start":2435.94,"end":2440.3599,"sentiment":"neutral","sentiment_score":0.12100895600659507}],"sentiment":"neutral","sentiment_score":0.17193149324310453,"channel":0,"num_words":57,"start":2422.925,"end":2440.3599},{"sentences":[{"text":"We do also receive 22% of the current premium that you are paying to Neos as well, and they just pay that to us every year.","start":2440.9,"end":2450.76,"sentiment":"neutral","sentiment_score":0.2559954455265632},{"text":"And then also with the ongoing service fee, you do pay us 1.65%.","start":2451.135,"end":2456.195,"sentiment":"neutral","sentiment_score":0.14751273508255297},{"text":"That just continues.","start":2456.815,"end":2457.795,"sentiment":"neutral","sentiment_score":0.126881942152977},{"text":"It's already on the super.","start":2457.935,"end":2459.475,"sentiment":"neutral","sentiment_score":0.19291635751724243},{"text":"Your and and your review, technically, is due around about September.","start":2459.855,"end":2463.875,"sentiment":"neutral","sentiment_score":0.13173280148343605}],"sentiment":"neutral","sentiment_score":0.19599716500218572,"channel":0,"num_words":58,"start":2440.9,"end":2463.875},{"sentences":[{"text":"So when that is due, my team will book you in, and you and I can have a bit of a catch up and see how things are going and make sure you're happy to stay on board for a year.","start":2464.65,"end":2472.43,"sentiment":"positive","sentiment_score":0.4895630576988546},{"text":"If you need new advice, we'll do that for you as well.","start":2472.89,"end":2476.215,"sentiment":"positive","sentiment_score":0.3511159271001816},{"text":"Just making sure that we're keeping up to date with everything and, you know, making sure that, you know, everything is working harder for you and that we're working towards your goals.","start":2476.455,"end":2485.415,"sentiment":"positive","sentiment_score":0.4433184750378132},{"text":"Because everything I do has to be in your best interest.","start":2485.415,"end":2488.955,"sentiment":"neutral","sentiment_score":0.32891917499628937},{"text":"And if the advice needs to change or is no longer in your best interest, then I have an obligation to make sure that is changed.","start":2489.95,"end":2496.51,"sentiment":"neutral","sentiment_score":-0.0668168906122446}],"sentiment":"neutral","sentiment_score":0.3307585201730005,"channel":0,"num_words":122,"start":2464.65,"end":2496.51},{"sentences":[{"text":"And I wanna make sure the advice changes and evolves with you as well.","start":2496.51,"end":2500.61,"sentiment":"neutral","sentiment_score":0.2200115333710398},{"text":"Okay?","start":2500.6702,"end":2501.1702,"sentiment":"neutral","sentiment_score":0.09671516716480257}],"sentiment":"neutral","sentiment_score":0.21179177562395732,"channel":0,"num_words":15,"start":2496.51,"end":2501.1702},{"sentences":[{"text":"Yep.","start":2501.1,"end":2501.6,"sentiment":"neutral","sentiment_score":0.11489184200763702},{"text":"No","start":2501.9001,"end":2502.1401,"sentiment":"neutral","sentiment_score":0.15432755649089813}],"sentiment":"neutral","sentiment_score":0.13460969924926758,"channel":1,"num_words":2,"start":2501.1,"end":2502.1401},{"sentences":[{"text":"Yeah.","start":2502.105,"end":2502.605,"sentiment":"neutral","sentiment_score":0.13114134967327118}],"sentiment":"neutral","sentiment_score":0.13114134967327118,"channel":0,"num_words":1,"start":2502.105,"end":2502.605},{"sentences":[{"text":"problem.","start":2502.1401,"end":2502.62,"sentiment":"positive","sentiment_score":0.33618253469467163},{"text":"Thank you.","start":2502.62,"end":2503.36,"sentiment":"positive","sentiment_score":0.5233543813228607}],"sentiment":"positive","sentiment_score":0.46096376578013104,"channel":1,"num_words":3,"start":2502.1401,"end":2503.36},{"sentences":[{"text":"That's okay.","start":2503.625,"end":2504.605,"sentiment":"neutral","sentiment_score":0.31266921758651733},{"text":"It's it's probably a lot.","start":2504.745,"end":2506.585,"sentiment":"neutral","sentiment_score":0.044501892477273944},{"text":"You probably need a bit of time to digest.","start":2506.585,"end":2508.605,"sentiment":"neutral","sentiment_score":-0.03544312467177709}],"sentiment":"neutral","sentiment_score":0.03305373596958816,"channel":0,"num_words":16,"start":2503.625,"end":2508.605},{"sentences":[{"text":"Yeah.","start":2510.1848,"end":2510.585,"sentiment":"neutral","sentiment_score":0.027120031416416168},{"text":"It's just like yeah.","start":2510.585,"end":2511.625,"sentiment":"neutral","sentiment_score":0.05060917604714632},{"text":"It's a lot of information, but yeah.","start":2511.625,"end":2514.055,"sentiment":"neutral","sentiment_score":0.07901854972754206}],"sentiment":"neutral","sentiment_score":0.06522388197481632,"channel":1,"num_words":12,"start":2510.1848,"end":2514.055},{"sentences":[{"text":"It absolutely is.","start":2514.69,"end":2516.21,"sentiment":"neutral","sentiment_score":0.25416972239812213},{"text":"But we'll take some time.","start":2516.21,"end":2517.75,"sentiment":"neutral","sentiment_score":0.1454007402062416},{"text":"Maybe, you know, you have the day.","start":2517.81,"end":2519.3298,"sentiment":"neutral","sentiment_score":0.15828301012516022},{"text":"You've got the day off.","start":2519.3298,"end":2520.45,"sentiment":"neutral","sentiment_score":0.18341998457908631},{"text":"I sort of suggest that people go and maybe just have a cup of tea, let it digest for a second, then come 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document back to us, and then team will have it implemented.","start":2538.105,"end":2544.44,"sentiment":"positive","sentiment_score":0.34861063846835383},{"text":"And if there's any section of the advice you do not wish to proceed with, on the very last page, you do have a text box.","start":2545.54,"end":2552.52,"sentiment":"neutral","sentiment_score":-0.023530265173086755},{"text":"You can just write in there with what you don't wanna proceed with.","start":2552.82,"end":2556.3599,"sentiment":"neutral","sentiment_score":-0.0025075553701474117}],"sentiment":"neutral","sentiment_score":0.15303437351470903,"channel":0,"num_words":105,"start":2528.105,"end":2556.3599},{"sentences":[{"text":"And if you do, like, a little bit of reading on there, I've also got the PDF documents for for your super funds for Netwealth.","start":2556.865,"end":2565.925,"sentiment":"neutral","sentiment_score":0.16582518935203552},{"text":"I've got it for Zurich, for Neos.","start":2565.985,"end":2568.0652,"sentiment":"neutral","sentiment_score":0.16902140847274236},{"text":"I've also got the quote attached for you, and I've also got our financial services guide and all the bits and pieces.","start":2568.0652,"end":2574.76,"sentiment":"neutral","sentiment_score":0.19581096043640916},{"text":"So depending on how much reading you're interested in, those documents are all attached for you as","start":2574.76,"end":2581.24,"sentiment":"neutral","sentiment_score":0.021309744128409552}],"sentiment":"neutral","sentiment_score":0.140829385533719,"channel":0,"num_words":71,"start":2556.865,"end":2581.24},{"sentences":[{"text":"Okay.","start":2581.21,"end":2581.71,"sentiment":"neutral","sentiment_score":0.03670157492160797}],"sentiment":"neutral","sentiment_score":0.03670157492160797,"channel":1,"num_words":1,"start":2581.21,"end":2581.71},{"sentences":[{"text":"well as the appendices.","start":2581.24,"end":2582.22,"sentiment":"neutral","sentiment_score":0.035788926761597395}],"sentiment":"neutral","sentiment_score":0.035788926761597395,"channel":0,"num_words":4,"start":2581.24,"end":2582.22},{"sentences":[{"text":"Yeah.","start":2586.045,"end":2586.545,"sentiment":"neutral","sentiment_score":0.12166959047317503},{"text":"I'll get it all together.","start":2586.605,"end":2587.9849,"sentiment":"neutral","sentiment_score":0.21170915067195892},{"text":"I'm cool.","start":2590.685,"end":2591.2449,"sentiment":"positive","sentiment_score":0.6475421488285065},{"text":"I will have a read through this.","start":2591.2449,"end":2595.005,"sentiment":"positive","sentiment_score":0.37921219212668283},{"text":"I'll print it off.","start":2595.005,"end":2596.285,"sentiment":"neutral","sentiment_score":0.18604911863803864}],"sentiment":"neutral","sentiment_score":0.3091569189962588,"channel":1,"num_words":19,"start":2586.045,"end":2596.285},{"sentences":[{"text":"I'll 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issues, often it goes into force really quickly.","start":2650.255,"end":2657.075,"sentiment":"neutral","sentiment_score":0.03684711790022751}],"sentiment":"neutral","sentiment_score":0.009844990008111511,"channel":0,"num_words":70,"start":2635.1401,"end":2657.075},{"sentences":[{"text":"And then the insurance premium is just deducted out of your super fund at as soon as the policy is placed in force.","start":2657.49,"end":2663.41,"sentiment":"neutral","sentiment_score":0.07453015074133873},{"text":"And we confirm at every step what's happening with that 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and","start":2688.63,"end":2696.63,"sentiment":"neutral","sentiment_score":0.17051457886894544}],"sentiment":"neutral","sentiment_score":0.1279502964832566,"channel":0,"num_words":44,"start":2685.99,"end":2696.63},{"sentences":[{"text":"Yes.","start":2696.54,"end":2697.04,"sentiment":"neutral","sentiment_score":0.05070161074399948}],"sentiment":"neutral","sentiment_score":0.05070161074399948,"channel":1,"num_words":1,"start":2696.54,"end":2697.04},{"sentences":[{"text":"sort of stress stressing about things.","start":2696.63,"end":2698.915,"sentiment":"neutral","sentiment_score":-0.053767029816905655}],"sentiment":"neutral","sentiment_score":-0.053767029816905655,"channel":0,"num_words":6,"start":2696.63,"end":2698.915},{"sentences":[{"text":"Yes.","start":2699.405,"end":2699.905,"sentiment":"neutral","sentiment_score":0.21886101365089417}],"sentiment":"neutral","sentiment_score":0.21886101365089417,"channel":1,"num_words":1,"start":2699.405,"end":2699.905},{"sentences":[{"text":"So I 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calls.","start":2708.975,"end":2710.835,"sentiment":"positive","sentiment_score":0.38047689696153003},{"text":"Know, if someone needs me on a Friday, I'll make time for it.","start":2711.57,"end":2714.29,"sentiment":"neutral","sentiment_score":0.3283381634033643},{"text":"It's not a problem at all.","start":2714.29,"end":2715.57,"sentiment":"positive","sentiment_score":0.466646080215772},{"text":"Okay?","start":2715.57,"end":2716.07,"sentiment":"neutral","sentiment_score":0.2084125578403473}],"sentiment":"positive","sentiment_score":0.4556195755035449,"channel":0,"num_words":39,"start":2704.4949,"end":2716.07},{"sentences":[{"text":"Yeah.","start":2715.93,"end":2716.43,"sentiment":"neutral","sentiment_score":0.3093738257884979},{"text":"Thank 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back?","start":2727.235,"end":2729.475,"sentiment":"neutral","sentiment_score":0.06808294645614094},{"text":"Or","start":2729.475,"end":2729.975,"sentiment":"neutral","sentiment_score":-0.009430326521396635}],"sentiment":"neutral","sentiment_score":0.06033161915838718,"channel":1,"num_words":10,"start":2727.235,"end":2729.975},{"sentences":[{"text":"No.","start":2729.955,"end":2730.355,"sentiment":"neutral","sentiment_score":-0.060198768973350525},{"text":"So the the advice is that was for sixty days from the date on the document there.","start":2730.355,"end":2735.0151,"sentiment":"neutral","sentiment_score":0.03082419208743993},{"text":"However, if you need longer than that, I'll just reconfirm your circumstances.","start":2735.635,"end":2739.25,"sentiment":"neutral","sentiment_score":0.061783165050049625},{"text":"It's not a problem at 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talk to you soon.","start":2755.691,"end":2756.651,"sentiment":"positive","sentiment_score":0.3934169948101044},{"text":"See you","start":2756.651,"end":2757.051,"sentiment":"neutral","sentiment_score":0.3213074952363968}],"sentiment":"positive","sentiment_score":0.4411044895648956,"channel":0,"num_words":10,"start":2754.8909,"end":2757.051},{"sentences":[{"text":"Thank","start":2756.921,"end":2757.241,"sentiment":"positive","sentiment_score":0.41114872694015503}],"sentiment":"positive","sentiment_score":0.41114872694015503,"channel":1,"num_words":1,"start":2756.921,"end":2757.241},{"sentences":[{"text":"later.","start":2757.051,"end":2757.551,"sentiment":"positive","sentiment_score":0.4361602067947388}],"sentiment":"positive","sentiment_score":0.4361602067947388,"channel":0,"num_words":1,"start":2757.051,"end":2757.551},{"sentences":[{"text":"bye 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They also emphasize the importance of protecting data and information and reducing tax consequences for the super fund. The agent provides fee comparison tables and insurance coverage, emphasizing the importance of avoiding double claims and updating beneficiaries. The agent also explains the process of an insurance policy and recommends updating beneficiaries and updating the beneficiary nomination. The agent emphasizes the importance of protecting everything and offers to review the customer's documents and provide advice if needed."},"intents":{"segments":[{"text":"And just to do a quick security check, sir, with you, just can you confirm your full name, your date of birth, and address I should have on file? Yep.","start_word":121,"end_word":150,"intents":[{"intent":"Confirm identity","confidence_score":0.0055720727}]},{"text":"do is I'll take you through the advice. We'll focus on the pages that are important to you Mhmm. so I can basically explain what what I need to go through with you, and then you get to take that back and have a really good read of the document there as well. Okay?","start_word":347,"end_word":400,"intents":[{"intent":"Explain advice","confidence_score":0.18833646},{"intent":"Provide guidance","confidence_score":0.11672315}]},{"text":"On the front page of that one, it'll say statement of advice prepared for yourself as of the 07/01/2026. Our advice is valid for sixty days from the date on the document there.","start_word":403,"end_word":435,"intents":[{"intent":"Verify advice","confidence_score":0.03081639}]},{"text":"stressing the estate planning side of things. So you mentioned you don't have a will or power of attorney, and your beneficiary is nominated to your daughter who, I believe, is about 10,000,011 years of age. Yes. Yeah.","start_word":617,"end_word":654,"intents":[{"intent":"Stress estate planning","confidence_score":0.035972808}]},{"text":"So I have looked at the best way to make sure that nomination is in place so that she gets the money, Mhmm.","start_word":655,"end_word":677,"intents":[{"intent":"Ensure nomination","confidence_score":0.102063835}]},{"text":"So you do wanna have your mortgage paid down as quickly as possible.","start_word":717,"end_word":729,"intents":[{"intent":"Pay mortgage","confidence_score":0.807832}]},{"text":"We can also refer you through to a mortgage broker who can reassess essentially your home loan, the rates you are paying, and look at ways to help you pay that down quicker as well. Mhmm. Okay?","start_word":749,"end_word":785,"intents":[{"intent":"Guide callers through recommendations","confidence_score":0.018687818}]},{"text":"So we have got the beta shares a 200 in there for you. Essentially, with that, you've got about 33% of your portfolio there at the moment.","start_word":1475,"end_word":1501,"intents":[{"intent":"Share portfolio information","confidence_score":0.051762205}]},{"text":"It helps to lower risk of your portfolio. Does that make sense?","start_word":1864,"end_word":1875,"intents":[{"intent":"Increase portfolio risk","confidence_score":0.12230925}]},{"text":"We've got some European ETFs there. Essentially, with Europe, this investment is giving you exposure to the 16 European countries, and it's giving you access to already established markets that are also up and coming.","start_word":1924,"end_word":1958,"intents":[{"intent":"Sell europe etf","confidence_score":0.33472127}]},{"text":"So it's important to have a lot of diversification and building on that.","start_word":1959,"end_word":1971,"intents":[{"intent":"Increase portfolio diversification","confidence_score":0.028744709}]},{"text":"And as much as a lot of people are nervous about The US with what's happening between The US and Iran and what occurred this year, it is still a really great price to be invested long term.","start_word":2135,"end_word":2172,"intents":[{"intent":"Track us and iran economies","confidence_score":0.000006686653}]},{"text":"And just making these changes to rebalance your portfolio back helps to sort of make sure you're not over or underweighted in any any particular investment. Keep that diversification and keep you inside that growth asset allocation, making sure we're diversifying, and also help to reduce the tax consequences.","start_word":2504,"end_word":2552,"intents":[{"intent":"Rebalance portfolios","confidence_score":0.003228404}]},{"text":"So this is the peak comparison table, and you'll see in the differences column there, by making these changes and just bringing the weighting back on your portfolio, the c d your super fund would have to pay is about $264. So very minimal CDP consequences. Keeps you well diversified. We're just rebalancing the portfolio for you and making sure that you your portfolio doesn't have to make that money back too crazy. Okay? Yeah.","start_word":2576,"end_word":2650,"intents":[{"intent":"Compare portfolios","confidence_score":0.15041342}]},{"text":"Now you'll notice that that is a negative figure, and that is because of the insurance premium. So because we are looking to get income protection as well, it increases the insurance premium, and the Yeah.","start_word":2942,"end_word":2977,"intents":[{"intent":"Maximize insurance premiums","confidence_score":0.0033564526}]},{"text":"So we are just gonna retain your life and TPD at the moment.","start_word":3294,"end_word":3306,"intents":[{"intent":"Retain life and tpd","confidence_score":0.7277189}]},{"text":"So these policies do get more and more expensive. So I wanna make sure we review them with you, look at the level of cover you have, look at how much you're paying for these, and make sure we can reduce them back when we need to so that you're not it's not eating away all of your super.","start_word":3347,"end_word":3405,"intents":[{"intent":"Review policies","confidence_score":0.800316}]},{"text":"So I wanna make sure we review them with you, look at the level of cover you have, look at how much you're paying for these, and make sure we can reduce them back when we need to so that you're not it's not eating away all of your super.","start_word":3356,"end_word":3405,"intents":[{"intent":"Determine coverage level","confidence_score":0.00045010206}]},{"text":"That's one of the biggest risk factors with insurances inside super is because the premiums get more expensive, it has a greater effect on your super long term, and we wanna kind of try to reduce that as much as we possibly can whilst making sure you've got that level of cover to protect you in the event that something was to happen. Okay? Yeah.","start_word":3406,"end_word":3470,"intents":[{"intent":"Reduce costs","confidence_score":0.12994756},{"intent":"Improve insurance coverage","confidence_score":0.00033612293}]},{"text":"That's one of the biggest risk factors with insurances inside super is because the premiums get more expensive, it has a greater effect on your super long term, and we wanna kind of try to reduce that as much as we possibly can whilst making sure you've got that level of cover to protect you in the event that something was to happen. Okay? Yeah. Yeah.","start_word":3406,"end_word":3471,"intents":[{"intent":"Clarify insurance coverage","confidence_score":0.00020088143}]},{"text":"They said they were going to essentially look at you as a a support services support worker, and that's actually a higher rated because those people who work after aged care, disability workers, things like that, they are actually at high risk of getting injured. So insurance companies see that as a very high risk occupation. So Neos was actually gonna be charging close to about $5 for the year for the insurance premiums, and I wasn't happy with that.","start_word":3705,"end_word":3784,"intents":[{"intent":"Evaluate neos' position","confidence_score":0.000116977586}]},{"text":"pain, it really hurts. I have to stand up and sit down and move around, and it makes things really, really hard on me too.","start_word":4418,"end_word":4442,"intents":[{"intent":"Address medical concerns","confidence_score":0.00065006444}]},{"text":"So I also looked at a thirty day waiting period and a two year benefit period. That essentially means that you just have to be off work for thirty days prior to making a claim, and the two year benefit period means the claim stops at two years. Sorry.","start_word":4515,"end_word":4563,"intents":[{"intent":"Explain benefits","confidence_score":0.0039929803}]},{"text":"In order to have this policy placed in force, we do need to do an application.","start_word":4835,"end_word":4850,"intents":[{"intent":"Apply for insurance policy","confidence_score":0.15371376}]},{"text":"And trying to limit that as much as possible, and also making sure I mean, the biggest risk we have with insurance is is that we pay the premiums. We get to the time that we have a lovely sick balance, and we haven't claimed on any of the insurances, and we end up just canceling them or they just, you know, expire. So Yeah.","start_word":5248,"end_word":5312,"intents":[{"intent":"Limit insurance coverage","confidence_score":0.2792215}]},{"text":"Do you have have any questions at the moment at all? Yeah. So Yeah.","start_word":5325,"end_word":5338,"intents":[{"intent":"Answer questions","confidence_score":0.3952955}]},{"text":"So, realistically, if you get to 60 in ten years' time and, you know, you've still got that income protection, you still wanna work longer, but if you hurt yourself, realistically, we could cancel that cover because if you're unable to go to work, we just sign the declaration to say you're not working anymore, and you get access to your super benefit wholly, and it's all tax free. Yeah.","start_word":5424,"end_word":5493,"intents":[{"intent":"Sign declaration","confidence_score":0.507866},{"intent":"Access super benefit","confidence_score":0.07698786}]},{"text":"Under each of those pages, I'll give you time to go back and read them. I know this is quite a lot.","start_word":5506,"end_word":5527,"intents":[{"intent":"Go back to pages","confidence_score":0.014941442}]},{"text":"If you go down to page number 35 for me, this is the recommendations around the estate planning side of things, the beneficiary nominations.","start_word":5552,"end_word":5575,"intents":[{"intent":"Assist with decisions regarding beneficiary nominations","confidence_score":0.0000071498403}]},{"text":"So I'm recommending that we update the beneficiary nomination to the legal personal representative.","start_word":5742,"end_word":5755,"intents":[{"intent":"Update beneficiary nominations","confidence_score":0.044898268}]},{"text":"And and then with my will, to give you a bit of an example, I've been married twice.","start_word":5959,"end_word":5976,"intents":[{"intent":"Provide will outline","confidence_score":0.0022809764}]},{"text":"So, like, I wanted it to go to my sister anyway to hand it out to her when when needed Yeah.","start_word":6255,"end_word":6275,"intents":[{"intent":"Hand out funds","confidence_score":0.06411439}]},{"text":"And my team can pre fill the document for you and have that sent out, so you just have to tick the box.","start_word":6591,"end_word":6613,"intents":[{"intent":"Create document options","confidence_score":0.0000014613369}]},{"text":"It's always worth having a chat with people who have recently set up a will, what they thought of the person that did it, how they went through it, what they were asked. It kinda gives you an idea of what you're sort of walking into because every solicitor lawyer, everyone does them differently. Yeah.","start_word":7047,"end_word":7101,"intents":[{"intent":"Discuss will setup","confidence_score":0.1984343},{"intent":"Discuss will and power of attorney","confidence_score":0.012699859},{"intent":"Consider and discuss will and power of attorney","confidence_score":0.0016624384}]},{"text":"The only thing I do have to let you know is with the insurances, with setting up the Zurich insurances there, we do receive remuneration from the insurer for doing this application once it's in place. We receive 66% of the first year's premium and 22% there ongoing.","start_word":7228,"end_word":7275,"intents":[{"intent":"Discuss coverage and remuneration of insurances","confidence_score":0.000010541778}]},{"text":"So we just wanna disclose that and make sure you're fully aware of it.","start_word":7357,"end_word":7370,"intents":[{"intent":"Disclose and inform about insurance coverage","confidence_score":0.017214928}]},{"text":"We do also receive 22% of the current premium that you are paying to Neos as well, and they just pay that to us every year. And then also with the ongoing service fee, you do pay us 1.65%. That just continues.","start_word":7371,"end_word":7412,"intents":[{"intent":"Pay for service fee","confidence_score":0.0010245295}]},{"text":"So when that is due, my team will book you in, and you and I can have a bit of a catch up and see how things are going and make sure you're happy to stay on board for a year.","start_word":7430,"end_word":7470,"intents":[{"intent":"Follow up","confidence_score":0.014933026}]},{"text":"And if the advice needs to change or is no longer in your best interest, then I have an obligation to make sure that is changed. And I wanna make sure the advice changes and evolves with you as well. Okay? Yep.","start_word":7525,"end_word":7566,"intents":[{"intent":"Follow advice changes","confidence_score":0.005417646}]},{"text":"And if any questions come up, there is no such thing as a silly question. You send it to me, let me know, and I will reply and make sure we take time to answer those questions for you.","start_word":7654,"end_word":7692,"intents":[{"intent":"Respond to questions","confidence_score":0.02499395}]},{"text":"If you're happy to take the advice, we just get you to sign and return the document back to us, and then team will have it implemented.","start_word":7693,"end_word":7719,"intents":[{"intent":"Implement advice","confidence_score":0.056483388}]},{"text":"I've also got the quote attached for you, and I've also got our financial services guide and all the bits and pieces.","start_word":7791,"end_word":7812,"intents":[{"intent":"Provide quote","confidence_score":0.35009924}]},{"text":"So depending on how much reading you're interested in, those documents are all attached for you as Okay.","start_word":7814,"end_word":7831,"intents":[{"intent":"Follow up on policy documents","confidence_score":0.0000048655365}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Natalie. It's Dana from Motee Financial. How are you today? Yes.","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.15162166953086853},{"text":"Good. Thanks, Dana. How are you? That I'm very well. Thank you.","start_word":13,"end_word":24,"sentiment":"positive","sentiment_score":0.532960057258606},{"text":"I had you booked in just to go through your updated Yep. statement of advice. Is that still a good time there for you? Yes. It is.","start_word":25,"end_word":51,"sentiment":"neutral","sentiment_score":0.2123926430940628},{"text":"Fantastic.","start_word":52,"end_word":52,"sentiment":"positive","sentiment_score":0.5479494333267212},{"text":"How's your morning been thus far? Yeah. Not too bad. Got the day off Oh, today. that's So Oh, yeah.","start_word":53,"end_word":72,"sentiment":"neutral","sentiment_score":0.22047248482704165},{"text":"that's good. Nice three day weekend for you.","start_word":73,"end_word":80,"sentiment":"positive","sentiment_score":0.5726544857025146},{"text":"Yes.","start_word":81,"end_word":81,"sentiment":"neutral","sentiment_score":0.30580854415893555},{"text":"All good.","start_word":82,"end_word":83,"sentiment":"positive","sentiment_score":0.3936375379562378},{"text":"Now before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yes. Thank you.","start_word":84,"end_word":119,"sentiment":"neutral","sentiment_score":0.10191584378480913},{"text":"Fantastic.","start_word":120,"end_word":120,"sentiment":"positive","sentiment_score":0.39906513690948486},{"text":"And just to do a quick security check, sir, with you, just can you confirm your full name, your date of birth, and address I should have on file? Yep. Natalie Louise Yep. Reynolds. Ninth of Yep. March seventy seven. Yep. Number 6, Ballet, Crescent, Sunbury, Victoria 3429.","start_word":121,"end_word":168,"sentiment":"neutral","sentiment_score":0.07366589456796646},{"text":"Beautiful. Thank you so much for that.","start_word":169,"end_word":175,"sentiment":"positive","sentiment_score":0.4273071885108948},{"text":"Now I am just sending through the statement of advice and supplementary material through to you via email. Are you able to jump into your email, sir, at the moment? Or if you can't, that's okay. Yeah. Is this the quote that you sent through? Or No. This is the statement of advice to run through the recommendations with you. okay. It should be Yep. a new email coming through any moment, if not already. Alright. One Yeah. second. Yeah. That's okay. Yep. I'll just have It should come a from Odoo sign, and it might look. have even come from my email. So dana@otfinancial. Yeah. Yeah. Got it. Yeah. Beautiful. Sign document. Yes. If you click on the button now I am really clear. It does not make you sign anything until you've gone through it. You can do have the option of going back out before signing it and rereading it. I am a big advocate for reading things before you do sign it. So what I'll Yes. do is I'll take you through the advice. We'll focus on the pages that are important to you Mhmm. so I can basically explain what what I need to go through with you, and then you get to take that back and have a really good read of the document there as well. Okay? Okay.","start_word":176,"end_word":400,"sentiment":"neutral","sentiment_score":0.0866481140255928},{"text":"Yeah. Beautiful.","start_word":401,"end_word":402,"sentiment":"positive","sentiment_score":0.5860605239868164},{"text":"On the front page of that one, it'll say statement of advice prepared for yourself as of the 07/01/2026. Our advice is valid for sixty days from the date on the document there. And on the bottom there, my licensing number for you as well. So I'm a registered financial adviser with ASIC, and my license number is 1304394. Okay? Mhmm. Mhmm. Yeah. Before the next couple of pages, we outline the best interest duty. So just making sure that any advice we do provide is in your best interest. On all the pages as we with the recommendations, we actually do have a best interest duty statement, which realigns the advice back to your goals, and it outlines why the advice provided is in your best interest. Okay? Mhmm. Mhmm. On pages three and four and five, we have the scoping in and scoping out areas. So these are areas of where we are and are not providing advice with this document. We're looking at superannuation for you. We've got insurances in there. You wanted to try and get some income protection. So I've had a really good look at how to do that to make it a cost effective for you, but also give you that level of protection in the Mhmm. stressing the estate planning side of things. So you mentioned you don't have a will or power of attorney, and your beneficiary is nominated to your daughter who, I believe, is about 10,000,011 years of age. Yes. Yeah. So I have looked at the best way to make sure that nomination is in place so that she gets the money, Mhmm. because there are some there are some interesting rules around beneficiaries and how they are paid Mhmm. especially to minor children. Okay? The areas that we're scoping out from page five on, we've got not looking at debt reduction. So you do wanna have your mortgage paid down as quickly as possible. We're not scoping that in right now. If you do want additional advice in that area, let us know. We can also refer you through to a mortgage broker who can reassess essentially your home loan, the rates you are paying, and look at ways to help you pay that down quicker as well. Mhmm. Okay? Mhmm.","start_word":403,"end_word":786,"sentiment":"neutral","sentiment_score":0.08384675125125796},{"text":"Excellent. To make things easier, I'll get you to go forward for me, and we're gonna head down to page number 17. So this is essentially the recommendations in a bit of a nutshell. Yeah. Beautiful. Just getting there.","start_word":787,"end_word":825,"sentiment":"positive","sentiment_score":0.4044477045536041},{"text":"Now if you find you have questions through any of this, let me know. I do tend to just kind of get in my group and go. But you just tell me to stop, ask any questions, or pull me back if you need to. Okay? Mhmm. Yep.","start_word":826,"end_word":873,"sentiment":"neutral","sentiment_score":0.09931382536888124},{"text":"All good.","start_word":874,"end_word":875,"sentiment":"positive","sentiment_score":0.37121936678886414},{"text":"Now the heading on this page should be investment recommended superannuation. Can you see that page there at all? Mhmm. Yes. Yep.","start_word":876,"end_word":897,"sentiment":"neutral","sentiment_score":0.08661201596260071},{"text":"Beautiful.","start_word":898,"end_word":898,"sentiment":"positive","sentiment_score":0.4838370680809021},{"text":"So one of the things we looked at was your superannuation. Obviously, your balance is growing, and you're working really hard to build that. However, we wanted to just make sure that you were invested correctly. One of the things we discussed when we first had that conversation a few months back was that you had been a long Australian equities in there, and that was underperforming a little bit. Since we had that first conversation, our investment committee has gone in and removed that from everyone's portfolio. So you actually don't have that investment anymore. But I still wanted to check the investments that you do now have and make sure that, you know, if there's a rebalance or if there was something that needed to be replaced, that we do do that. I think one of the important things to note that investments do need to change over time.","start_word":899,"end_word":1049,"sentiment":"neutral","sentiment_score":-0.12581823766231537},{"text":"Investments that you were recommended initially or several years ago might not be appropriate now.","start_word":1050,"end_word":1064,"sentiment":"negative","sentiment_score":-0.33426350355148315},{"text":"And with the investments you have now, we need to keep reviewing because they may need to be changed or altered down the track there as well for you. Okay? Yes. I had a look at net wealth as a super fund as well as all the other funds out there to see whether or not we should move out of Netwealth or not. I am recommending that you do retain Netwealth at the moment.","start_word":1065,"end_word":1139,"sentiment":"neutral","sentiment_score":-0.016725848217805227},{"text":"The platform itself is absolutely fine.","start_word":1140,"end_word":1145,"sentiment":"positive","sentiment_score":0.5463004112243652},{"text":"And the way I see the Netwealth platform, essentially, think of it like your car. It is just a vehicle. That's where the funds are going into, but what really makes your super fund work is the underlying investment. And Net Wealth Yes. is essentially just a vehicle to hold those funds so you can invest the money. In the because we had moved out, the investment committee had made the change and removed the Bana Lung Australian Equities out of your fund. They'd actually replaced that with the BetaShares a 200. One of the cool things about the swap of this investment is that Bana Lung, it it was meant to be more of an actively managed fund. So the investment manager was meant to be buying and selling investments in a way that was, you know, trying to time the market. They were trying to outperform against the market as a whole to get those greater returns.","start_word":1146,"end_word":1304,"sentiment":"neutral","sentiment_score":0.13566799461841583},{"text":"Unfortunately, they haven't been able to do that.","start_word":1305,"end_word":1312,"sentiment":"negative","sentiment_score":-0.37877434492111206},{"text":"They've had a rough couple of years since COVID as well. So we've removed that out of there. Within that along, he generally held it's it was an Australian equity, so it was essentially tracking Australian equities, and they held anywhere between 15 to 25 different investments. With the beta shares a 200, we're actually tracking the top 200 companies on the ASX. So it actually can see greater diversification. So instead of tracking, you know, 15 to 25 different Australian companies, you're actually attracting 200.","start_word":1313,"end_word":1398,"sentiment":"neutral","sentiment_score":0.08395881950855255},{"text":"So it gives you greater diversification. Diversification helps to mitigate all lower risk levels, which is really important. And this data shows a 200 investment is actually cheaper. Holding passively most investments that are in the market, tracking the market, and following an index essentially does make your investment fees cheaper because you're not paying higher fees for an investment investment manager to try and outperform against the market.","start_word":1399,"end_word":1467,"sentiment":"positive","sentiment_score":0.3832039535045624},{"text":"Does that make sense? Yeah. Yeah. So we have got the beta shares a 200 in there for you. Essentially, with that, you've got about 33% of your portfolio there at the moment. Yeah. We wanna hold about 36, so we're gonna buy a little bit of that. So in the buy sell column, you've got the green and the red. I try to sort Yes. of color code those for you. The green means we're gonna purchase some more of that investment. The red means we're gonna sell some of that investment off. Okay? We've also got cybersecurity.","start_word":1468,"end_word":1566,"sentiment":"neutral","sentiment_score":0.06592540521964882},{"text":"It has been a really great place to be invested.","start_word":1567,"end_word":1576,"sentiment":"positive","sentiment_score":0.5045036673545837},{"text":"You are a little bit overexposed in there at the moment, so cybersecurity has had a little bit of a hit this year.","start_word":1577,"end_word":1599,"sentiment":"neutral","sentiment_score":0.030991550534963608},{"text":"It is a great investment to be.","start_word":1600,"end_word":1606,"sentiment":"positive","sentiment_score":0.7110266089439392},{"text":"With everything being online and the amount of hacks and things that we've seen in the media, cybersecurity is still a very big area and will be a growing area. We do more and more online. We do more and more less face to face, and it's important to make sure we're protecting our data and our information as much as possible. So at the moment, you have about 5.68% in there. We only wanna hold about 4%, so we are gonna sell a little over $2,000 of that investment and bring you back rebalance you back a little bit there. Okay? Mhmm. Mhmm. We've also got some physical gold. Physical gold has been at its thirty year high essentially over the last few months.","start_word":1607,"end_word":1731,"sentiment":"neutral","sentiment_score":0.11237134039402008},{"text":"It is really, really good.","start_word":1732,"end_word":1736,"sentiment":"positive","sentiment_score":0.48207974433898926},{"text":"I know I love a bit of physical gold as an investment, but also I love to wear it. It is at the moment, you have about 7% of your portfolio. We wanna hold it at 10%.","start_word":1737,"end_word":1773,"sentiment":"neutral","sentiment_score":0.2350998818874359},{"text":"Physical gold is a growth investment, so it does see really good growth.","start_word":1774,"end_word":1786,"sentiment":"positive","sentiment_score":0.3376069664955139},{"text":"However, it also acts offensively, so we use it as a bit of an alternative. If you think back to times like COVID or the GFC when, say, equity markets weren't doing so well, people use gold as a bit of a safe haven. So it kind of is a growth asset in your portfolio, but it acts defensively as well. And that's kind of important to have investments that can act in more than one way. It helps to lower risk of your portfolio. Does that make sense? Yes. Yes.","start_word":1787,"end_word":1877,"sentiment":"neutral","sentiment_score":0.23146477014153868},{"text":"Yep. Beautiful.","start_word":1878,"end_word":1879,"sentiment":"positive","sentiment_score":0.5104753375053406},{"text":"You currently hold about 7%, 7.76% there. We wanna increase that to 10%.","start_word":1880,"end_word":1892,"sentiment":"neutral","sentiment_score":0.3022080361843109},{"text":"So we're gonna buy a little bit more physical gold, and it's not a bad time to buy because it is down a little bit at the moment as well.","start_word":1893,"end_word":1922,"sentiment":"positive","sentiment_score":0.3697348237037658},{"text":"Mhmm. We've got some European ETFs there. Essentially, with Europe, this investment is giving you exposure to the 16 European countries, and it's giving you access to already established markets that are also up and coming. So it's important to have a lot of diversification and building on that.","start_word":1923,"end_word":1971,"sentiment":"neutral","sentiment_score":0.22240003943443296},{"text":"Europe is a a really good area at the moment to be invested, and giving you global diversification is important for reducing the risk of your portfolio.","start_word":1972,"end_word":1998,"sentiment":"positive","sentiment_score":0.3698100745677948},{"text":"So you've got about 5.33% there at the moment. We only wanna hold 5%. So they're gonna sell a little bit of that off, just over $500 there, and bring you back a little bit. And you've also got the European ETF in there. We wanna hold that 4%. You're a little bit overexposed in that one. So, again, we're gonna sell some of that off. Japan is another really great place to be invested. You've currently got about 4% there, 4.45%, selling off about $700 set to bring you back down a little bit to 4%. And the S and P 500 is giving you access and exposure to the top 500 companies on The US market. Again, the same as with the a 200, it's tracking the top 500 companies, so you are diversifying. And as much as a lot of people are nervous about The US with what's happening between The US and Iran and what occurred this year, it is still a really great price to be invested long term. When you look at the last thirty years of investing, essentially, The US and international equities provide greater returns than Australian equities, and we tend to follow suit. So whatever happens in The US happens here as well. We feel that because our market follows theirs. Mhmm. You currently have about 26%, point 29% in there, and we're going to just bring you back down to 25%. And then you've got the Vanguard Australian fixed interest ETF.","start_word":1999,"end_word":2249,"sentiment":"neutral","sentiment_score":0.1469809523972857},{"text":"So, essentially, with your portfolio here, we wanna make sure you do have some lower risk defensive investments. You are in a growth portfolio, and that was where your comfort level was. So a growth portfolio sees 80% in those higher growth assets like Australian shares, international shares, listed property, and commodities like a better gold in your portfolio.","start_word":2250,"end_word":2308,"sentiment":"positive","sentiment_score":0.3929692506790161},{"text":"But then having about 20% in low risk defensive investments like fixed interest and cash and bonds, and that's where this incorporate this Vanguard fixed interest ETF comes in.","start_word":2309,"end_word":2337,"sentiment":"neutral","sentiment_score":0.27763405442237854},{"text":"So keeping that in there for you, we wanna buy a little bit more of that.","start_word":2338,"end_word":2353,"sentiment":"positive","sentiment_score":0.35281357169151306},{"text":"You're at about 9.39 at the moment, just bringing you up to 10%.","start_word":2354,"end_word":2366,"sentiment":"neutral","sentiment_score":0.2818358540534973},{"text":"So, essentially, just making sure that we increase that exposure a little bit for you.","start_word":2367,"end_word":2381,"sentiment":"positive","sentiment_score":0.38582083582878113},{"text":"And that's essentially where you see the changes in your portfolio. I've not wanted to move you out of Netwealth because just like you do a tax return every year, your super fund also does a tax return. And, essentially, any changes we make within the portfolio, we need to understand the tax consequences for your super fund. Whenever Yeah. we buy and sell investments or make changes with investments, your super fund pays capital gains tax. I had a look at the full sell down on your portfolio and what that might look like. The capital gains was much higher.","start_word":2382,"end_word":2482,"sentiment":"neutral","sentiment_score":-0.014293009415268898},{"text":"So to keep you in net worth for a bit longer, the platform itself is absolutely fine and has no problems. And just making these changes to rebalance your portfolio back helps to sort of make sure you're not over or underweighted in any any particular investment. Keep that diversification and keep you inside that growth asset allocation, making sure we're diversifying, and also help to reduce the tax consequences.","start_word":2483,"end_word":2552,"sentiment":"positive","sentiment_score":0.5042617321014404},{"text":"If you go down to page 20 for me, I can show you the estimated CDT. Yep. Sorry. Sorry. That's okay. Yep. So this is the peak comparison table, and you'll see in the differences column there, by making these changes and just bringing the weighting back on your portfolio, the c d your super fund would have to pay is about $264.","start_word":2553,"end_word":2615,"sentiment":"neutral","sentiment_score":0.10563311300107411},{"text":"So very minimal CDP consequences. Keeps you well diversified. We're just rebalancing the portfolio for you and making sure that you your portfolio doesn't have to make that money back too crazy.","start_word":2616,"end_word":2647,"sentiment":"positive","sentiment_score":0.4667128026485443},{"text":"Okay?","start_word":2648,"end_word":2648,"sentiment":"neutral","sentiment_score":0.23334896564483645},{"text":"Yeah. Perfect.","start_word":2649,"end_word":2650,"sentiment":"positive","sentiment_score":0.5119068622589111},{"text":"Do you have any questions so far? You're welcome to let me know if you do. Yeah. No. I'm good. All good? Yep. Yep.","start_word":2651,"end_word":2674,"sentiment":"neutral","sentiment_score":0.24007442593574524},{"text":"All good.","start_word":2675,"end_word":2676,"sentiment":"positive","sentiment_score":0.383628249168396},{"text":"So with the fee comparison table here, you'll essentially see the current and the recommended. Now your current balance is at a $161,009.83 after making the change in the investments, which we estimate you should have about a $161,719. That's minus the $2.64 for the CGT. By keeping net wealth, there's no change to the administration fees.","start_word":2677,"end_word":2733,"sentiment":"neutral","sentiment_score":0.17940866947174072},{"text":"However, we do note that the investment fees by rebalancing are reduced, and you save about $25 on investment fees. Any kind of saving in fees is a positive thing. It means that money stays invested for you working harder. Okay?","start_word":2734,"end_word":2774,"sentiment":"positive","sentiment_score":0.5705092549324036},{"text":"Yes. Yeah. By rebalancing there a little bit, obviously, your balance is just slightly lower.","start_word":2775,"end_word":2789,"sentiment":"neutral","sentiment_score":0.268671452999115},{"text":"It does also reduce how ongoing service fee for the year. It saves you about $31, and your contributions continue to go in as they are currently, and your insurance premiums there as well.","start_word":2790,"end_word":2823,"sentiment":"positive","sentiment_score":0.3663749396800995},{"text":"Now you will note there is a difference in those. That's because we're looking at income protection, so it does mean the insurance premiums are gonna increase. But we've tried to minimize that as much as possible for you, and I'll take you through that shortly. Okay? Mhmm. Underneath that, you've got essentially how the portfolio has been performing. So when we look at historical data, we know over the past five years, this portfolio has been averaging about 11.52%, and the bottom table is your projected outcomes. Factoring in the current versus the recommended over the next five to years, if the portfolio can obtain the 11.52%, you can sort of see where you're projected to be.","start_word":2824,"end_word":2941,"sentiment":"neutral","sentiment_score":0.04370868035939412},{"text":"Now you'll notice that that is a negative figure, and that is because of the insurance premium.","start_word":2942,"end_word":2958,"sentiment":"negative","sentiment_score":-0.4650900661945343},{"text":"So because we are looking to get income protection as well, it increases the insurance premium, and the Yeah.","start_word":2959,"end_word":2977,"sentiment":"neutral","sentiment_score":-0.300620973110199},{"text":"insurance premiums coming out of your super do have a negative impact.","start_word":2978,"end_word":2989,"sentiment":"negative","sentiment_score":-0.4466021955013275},{"text":"It does mean that you end up, you know, with a little bit less, But we've tried to limit that as much as possible. But you can sort of see over the next ten years by making the change, we still estimate you should be able to get about 352,401 if the portfolio works the way it has. And we can do other things.","start_word":2990,"end_word":3053,"sentiment":"neutral","sentiment_score":0.017121920362114906},{"text":"We can build on that.","start_word":3054,"end_word":3058,"sentiment":"positive","sentiment_score":0.4048480987548828},{"text":"We can reduce the insurances as we need to. We can also look at additional contributions to keep building on that for you. Okay? Yeah. Yeah.","start_word":3059,"end_word":3084,"sentiment":"neutral","sentiment_score":0.2139941155910492},{"text":"Beautiful.","start_word":3085,"end_word":3085,"sentiment":"positive","sentiment_score":0.3858161270618438},{"text":"Does that make sense so far? Do you have Okay. any questions? No? Beautiful. If you go down for me to page number 23, this is the insurance side of things. Now at the moment, you do have your nearest life and TBD policy there. Your current sum insured is 327,302. These are paid out of your super funds, and the current cost of those for this year, essentially, was $2,481.30. That was how much paid out of the super fund. We get a bit of a 15% discount. So you Mhmm. know how taxation when contributions go into super, they're taxed at 15%? Yes. Yep. So how it works with insurance premiums is when the money is rolled out of your super fund to Neos, it actually doesn't leave the super system, and they give you a 15% discount. It's sort of how the rebate works from their end. Yeah. Mhmm. So they actually received the $2,919.18, but you get a 15% discount on the premium paid out of super. So you've only paid the $2.04 $8.01 30, which is good to know. It'd be great if we got those private discounts all the time, but that's essentially just the how the super system works. Okay? So we are just gonna retain your life and TPD at the moment. You have made mention to me you were comfortable with that level of cover. We will keep reviewing that for you Every year as the policy goes through renewal, as you get older, the risk of you making a claim increases. So these policies do get more and more expensive. So I wanna make sure we review them with you, look at the level of cover you have, look at how much you're paying for these, and make sure we can reduce them back when we need to so that you're not it's not eating away all of your super. That's one of the biggest risk factors with insurances inside super is because the premiums get more expensive, it has a greater effect on your super long term, and we wanna kind of try to reduce that as much as we possibly can whilst making sure you've got that level of cover to protect you in the event that something was to happen. Okay? Yeah. Yeah.","start_word":3086,"end_word":3471,"sentiment":"neutral","sentiment_score":0.01652561664735715},{"text":"Excellent. And so keeping the life and TPD in place as near.","start_word":3472,"end_word":3483,"sentiment":"positive","sentiment_score":0.4058724343776703},{"text":"There's no changes to those, but we'll keep reviewing those moving down. If you can go to page 27 for me, this is essentially looking at your income protection. So the one of the things that we talked about was that you are single, you've got a young daughter, and you work really hard. But what happens in the event that you're unable to go to work due to illness or injury, and you wanted to have just a level of cover to protect you in that event? We are looking at a ninety day waiting period and a five year benefit period, so it does mean you have to be off work for ninety days prior to making a claim. And, essentially, you can be on a claim for up to five years. That was sort of the level you were comfortable with at the moment, and this is the best way to make it as cheap as possible, but still providing you with a level of benefit that you can use in the event of making a claim. I we did that pre assessment as well. And because you do have that secondary occupation, I essentially went back and did a blind pre assessment with all the insurers, including Neos. Neos actually came back as the most expensive. They said they were going to essentially look at you as a a support services support worker, and that's actually a higher rated because those people who work after aged care, disability workers, things like that, they are actually at high risk of getting injured.","start_word":3484,"end_word":3748,"sentiment":"neutral","sentiment_score":-0.015132650451840094},{"text":"So insurance companies see that as a very high risk occupation. So Neos was actually gonna be charging close to about $5 for the year for the insurance premiums, and I wasn't happy with that. I did not want you to be eating away your super at a faster level.","start_word":3749,"end_word":3798,"sentiment":"negative","sentiment_score":-0.564371645450592},{"text":"So Yeah. I went back and had a look at all the other insurers. The insurer we've gone with is Zurich, so it means you'll Yeah. have two different insurers for your insurance policy. However, I will keep looking after that with you, and we'll make sure we review that. If you ever had to make a claim, we have to facilitate that for you to make it easier. Yeah. Okay? So those those quotes you sent me, Mhmm. those four quotes, Mhmm. with Yep. and without the booster. Yep. I'm not going with any of them now. Unfortunately, no. No. They Yeah. when we went when we because we were looking at that initially, we only have you made occupation. When we did the pre assessment, you made mention you have that secondary job Yeah. as well. And that was kind of the thing that pushed them up, and NeoSoft will know because of how often you do that. It's it's done every week for the amount of time you do. They were like, no. We're gonna go with the higher risk occupation, which Yes.","start_word":3799,"end_word":3984,"sentiment":"neutral","sentiment_score":-0.09575466066598892},{"text":"is, in my opinion, not fair.","start_word":3985,"end_word":3990,"sentiment":"negative","sentiment_score":-0.6016809940338135},{"text":"When I spoke to Zurich, they said that they would still, assess you as a administration worker, which is the best occupation rating we can get, and they're just going to exclude the secondary occupation. So it means that you can't claim the income protections for your secondary job. However, it covers you for your main occupation, which essentially is your main source of income. Yes.","start_word":3991,"end_word":4056,"sentiment":"neutral","sentiment_score":-0.1734810620546341},{"text":"And if anything happens and you can't go to work and do your main role, being an admin worker, there's gonna be something really seriously wrong with you.","start_word":4057,"end_word":4084,"sentiment":"negative","sentiment_score":-0.6106727719306946},{"text":"So it is really important to cover that.","start_word":4085,"end_word":4092,"sentiment":"neutral","sentiment_score":0.31581923365592957},{"text":"And the Yes. premiums came out much cheaper.","start_word":4093,"end_word":4100,"sentiment":"positive","sentiment_score":0.5042064785957336},{"text":"So on ninety days waiting with a five year benefit period, the total premium they would charge for the first year estimated at 1,146 and 65<unk>, and out of your super comes $9.74 and 65<unk>.","start_word":4101,"end_word":4138,"sentiment":"neutral","sentiment_score":0.28424784541130066},{"text":"So it is a really good price occupation rating and gives you that level of cover at 70% of your main occupation, and it's just for that five ninety day waiting and five year benefit period.","start_word":4139,"end_word":4174,"sentiment":"positive","sentiment_score":0.5560716390609741},{"text":"Okay? Yeah. So what In the what you're right. what Sorry. sorry. What so You're what right. happens if something happens to me at the second job? It means that you're still you're not able to claim on the income protection Yeah. just solely for your second job. But say if you broke your back and you couldn't do, you know, your second job every weekend and you went you still couldn't do your main occupation, you can still claim. It's just based on your main occupation to say Okay. you broke your back Okay. and you were bedridden for, you know, that ninety days, and you couldn't even work it.","start_word":4175,"end_word":4285,"sentiment":"neutral","sentiment_score":-0.18572953343391416},{"text":"I mean, I personally if I'm hurt my back doing admin work laying down Yeah. or it still hurts. So things like that are still gonna be claimable, but it just means you need to not be able to go to your main occupation.","start_word":4286,"end_word":4329,"sentiment":"negative","sentiment_score":-0.3678379952907562},{"text":"And, realistically, Yeah. if you hurt yourself in a way that you can't do your secondary job, realistically, you're probably gonna be off from your main occupation as well as an admin Yeah. worker. Yes. I think insurers insurance assume admin Okay. workers are, you know, the the safest occupation because something has to be really, really wrong. But, I mean, I'm an acting worker. I sit at a desk most of my day and things like that.","start_word":4330,"end_word":4407,"sentiment":"neutral","sentiment_score":-0.19713179767131803},{"text":"And in all honesty, when I have a bad back or sciatica Yes. pain, it really hurts. I have to stand up and sit down and move around, and it makes things really, really hard on me too.","start_word":4408,"end_word":4445,"sentiment":"negative","sentiment_score":-0.5352263450622559},{"text":"So there's actually quite a lot of things that could go wrong that stop you from doing both of your jobs, not just the secondary occupation. Yeah. Yeah. Yeah.","start_word":4443,"end_word":4471,"sentiment":"neutral","sentiment_score":-0.2076185643672943},{"text":"Cool.","start_word":4472,"end_word":4472,"sentiment":"positive","sentiment_score":0.4559454917907715},{"text":"Got Yeah. it. In the appendices, which is attached to that docu the OdoSign there as a it's an attachment on your main email. I've also got the comparison in there for the different insurers on with the alternatives that I considered. So I also looked at a thirty day waiting period and a two year benefit period. That essentially means that you just have to be off work for thirty days prior to making a claim, and the two year benefit period means the claim stops at two years. Sorry. Zurich is still paying out the cheapest fare. Yeah. It's the thirty day waiting period is making the policies more expensive, but it is more expensive than essentially what Yes. we had recommended. Yes. And I also looked at an alternative of a ninety day wait and a two year benefit. Zurich, again, came out the best option. It does reduce the premium to about $732, so it is cheaper than what was recommended. But my main reason for recommending a five year benefit period is that more well, ninety percent of claims are finished within that first two years. There is a risk of being on a partial claim, especially in your main occupation where you could work one, two, or three days a week and still be getting some of that income protection policy as a buffer. And those sorts of claims can start from one to two year to three years onwards. So having that five year benefit period just reduces the risk level a little bit more for you. Does that make sense? Yeah. Yeah. Yeah. Yeah. Yeah.","start_word":4473,"end_word":4745,"sentiment":"neutral","sentiment_score":0.04575176164507866},{"text":"Beautiful.","start_word":4746,"end_word":4746,"sentiment":"positive","sentiment_score":0.5391612648963928},{"text":"Mhmm. That so that's essentially the recommendation with the insurances there. And all up, as per that projection table, we do estimate with the first year's premium, the total deducted from Super is $3,456. That's the Zurich policy as well as the nearest life and TV that you do currently already hold. Okay. Mhmm. Yeah.","start_word":4747,"end_word":4801,"sentiment":"neutral","sentiment_score":0.1618521362543106},{"text":"Beautiful.","start_word":4802,"end_word":4802,"sentiment":"positive","sentiment_score":0.5941802263259888},{"text":"Underneath that page, if you go down, you'll see we've also got the free assessment results there, and it just notes that for the income protection, the secondary occupation would be excluded. In order to have this policy placed in force, we do need to do an application. So if you're happy to take your recommendations, my team will book you in for an application with my colleague, Jack. Or if you prefer to speak to one of those girls, I can organize it with Sammy, my admin worker.","start_word":4803,"end_word":4891,"sentiment":"neutral","sentiment_score":0.09477853775024414},{"text":"She's beautiful.","start_word":4892,"end_word":4893,"sentiment":"positive","sentiment_score":0.8367418646812439},{"text":"And they just go through an in-depth application with you to apply for the cover the same as you would have gone through for Neos. That application goes through the underwriting. We kinda went to the pre assessment. There was nothing that came out that flagged, but any changes to your health, if there's anything that flags that could be of a higher risk, then there is the risk of them having exclusions or loadings applied to the policy. But, I mean, we did the the pre assessment. You're pretty healthy. It's just that secondary occupation that flagged for us. And Zurich have already confirmed that they'll just exclude that occupation from your income protection policy. Mhmm. Okay. Okay. So what page are we on now? 28, if you go to 29, Yep. Got at it. the bottom here, you've got the projection table there with your current and recommended, but it also shows you the difference. The projection, if you did not pay insurance to that. So you can see that column? Yes. Yeah. So it just Yes. sort of shows you and because we kind of know that insurance premiums do get more expensive over time and they do have an effect on your super, We wanna try and limit that effect as much as possible, but this shows you the same. The projection table above with your current the recommended, but then if you did not pay any insurances inside the super fund, where you could end up over the next sort of five to ten years. So looking at that, it's not a huge difference. It's only a minor difference, really, to give you a level of cover to protect you. It works out to be over ten years, about $51,000, but it could definitely be worse. Okay? It's one of those things. Yep. It's a bit of a juggling act. We know it's gonna have an impact on super because they're paying for those premiums, but at the same time, having that level of protection or insurance to cover up in the event that something happens is really important. And trying to limit that as much as possible, and also making sure I mean, the biggest risk we have with insurance is is that we pay the premiums.","start_word":4894,"end_word":5276,"sentiment":"neutral","sentiment_score":-0.05564928593754759},{"text":"We get to the time that we have a lovely sick balance, and we haven't claimed on any of the insurances, and we end up just canceling them or they just, you know, expire.","start_word":5277,"end_word":5310,"sentiment":"negative","sentiment_score":-0.3901638388633728},{"text":"So Yeah. that's ultimately the biggest risk with having insurance Mhmm. policy. Yeah. Yeah. Do you have have any questions at the moment at all? Yeah. So Yeah. remember last time you were saying when you turn 65, it goes, Yep. you automatically what was it that I don't need the income protection? Or Yeah. So, normally, by the time by the time we turn 60 or 65, depending on our comfort level, we don't normally need to have that income protection anymore. Because under the current legislation, at the age of 60, if you're unable to work or if you retire, But you not get yet. access to your super fully. Yes. So, realistically, if you get to 60 in ten years' time and, you know, you've still got that income protection, you still wanna work longer, but if you hurt yourself, realistically, we could cancel that cover because if you're unable to go to work, we just sign the declaration to say you're not working anymore, and you get access to your super benefit wholly, and it's all tax free. Yeah. Yeah. Yep. Yep. Yep. Yeah. That's fine. Yep.","start_word":5311,"end_word":5501,"sentiment":"neutral","sentiment_score":-0.08625973016023636},{"text":"Beautiful.","start_word":5502,"end_word":5502,"sentiment":"positive","sentiment_score":0.526774525642395},{"text":"Yep.","start_word":5503,"end_word":5503,"sentiment":"neutral","sentiment_score":0.3090262711048126},{"text":"All good.","start_word":5504,"end_word":5505,"sentiment":"positive","sentiment_score":0.4398208558559418},{"text":"Under each of those pages, I'll give you time to go back and read them. I know this is quite a lot. So feel free to read to the recommendations, the advantages, the disadvantages, the risks involved, and the interest duty there as well. Okay? Yes. If you go down to page number 35 for me, this is the recommendations around the estate planning side of things, the beneficiary nominations.","start_word":5506,"end_word":5575,"sentiment":"neutral","sentiment_score":0.12946484397564614},{"text":"Yes. Perfect. So we sort of talked about what was important to you.","start_word":5576,"end_word":5588,"sentiment":"positive","sentiment_score":0.4161472022533417},{"text":"And in the event of something happening, that you wanted all of your senior and life insurance to be paid to your daughter. Now she's a minor, so she's under the age of 18. And one of the biggest things I do like to make mention is that while children our our children are beneficiaries under the SIS Act and under the Tax Act, which means that in the event of a claim, the amount is paid directly completely tax free. However, it doesn't go to her directly. If you were to pass away, the money has to be dealt with by an adult, so it would be her guardian. And my biggest thing with the way this system works is that the guardian then has to make the decision for the child on whether it's taken as a lump sum or a pension payment, and that's taken out of your hands, unfortunately. So I'm recommending that we update the beneficiary nomination to the legal personal representative. That means that in the event of you passing, the money is paid direct to your estate. You can then have a will drawn up by a solicitor, have it set up as a a trust, and then in that trust, you have a lot more control. You can nominate who's gonna be the executor of that trust, how whether money is held until she's 18 or whether a regular pension is or income stream is, you know, given to her over time. You have a lot more control on how that money is dealt with in the event of you passing. And that essentially means that the money is more likely to get to your 10 year old daughter rather than just being drawn out as a full lump sum by the guardian, and then there's no control over what happens to that money.","start_word":5589,"end_word":5900,"sentiment":"neutral","sentiment_score":0.035851769149303436},{"text":"Unfortunately, Yes. I've seen it way too many times where the guardian's drawn the money out. It's being spent wasted. It hasn't gotten to the child, hasn't done what the the person nominate the person who passed away really intended, and it does make it very, very difficult and can, you know, lead to a lot of dramas.","start_word":5901,"end_word":5958,"sentiment":"negative","sentiment_score":-0.591351735180822},{"text":"And and then with my will, to give you a bit of an example, I've been married twice. So with my estate planning side of things, my two eldest children were to my ex husband, and he was terrible with money.","start_word":5959,"end_word":5999,"sentiment":"neutral","sentiment_score":-0.20857852697372437},{"text":"He could not hold a dollar in his hand less than a week.","start_word":6000,"end_word":6012,"sentiment":"negative","sentiment_score":-0.4509259760379791},{"text":"So I set it up that all of my funds would go into my will the same way with legal personal representative. And then I set up with my sister, and my new husband's sister were joint executives and trustees. That Yes. essentially meant that because under the law, my daughters would go back to my ex husband if I was to pass away, he would not get access to any funds unless he asked my sister, my sister-in-law, Yes. for money and declared the reason he needed it. So it meant that that money was gonna be used for my children's education, Yes. and it wasn't gonna be all wasted in one place. And because I have a a third child to my my second husband, I didn't want them to be disadvantaged. I wanted all three of my kids to be looked after. So Yeah.","start_word":6013,"end_word":6159,"sentiment":"neutral","sentiment_score":-0.012654021382331848},{"text":"it just gives you a lot more control.","start_word":6160,"end_word":6167,"sentiment":"positive","sentiment_score":0.418098658323288},{"text":"It is a little bit more expensive to do it that way to have a will drawn up, but you've worked so hard. And you've got this Yeah.","start_word":6168,"end_word":6195,"sentiment":"neutral","sentiment_score":0.055150073021650314},{"text":"beautiful little girl, and you wanna make sure that everything is looked after and that everything is, you know, directed where you want it to go.","start_word":6196,"end_word":6221,"sentiment":"positive","sentiment_score":0.558307945728302},{"text":"So having Yeah.","start_word":6222,"end_word":6224,"sentiment":"neutral","sentiment_score":0.319175124168396},{"text":"Yeah. your will drawn up correctly only gives you that little bit of extra protection for you and your daughter.","start_word":6225,"end_word":6244,"sentiment":"positive","sentiment_score":0.3436393439769745},{"text":"Yeah. Yeah. I gotta get that done. Yeah. Because yeah. So, like, I wanted it to go to my sister anyway to hand it out to her when when needed Yeah. Yeah. at Friday. So I have to do it that way like, do it that way. Yeah? Yes. Yes. So because your sister unfortunately, when we look at the beneficiary system for Super, there's two forms of legislation that we have to abide by to have a valid nomination. The first is the CISAT, which notes that a beneficiary can be a child of any age, a spouse, an interdependent relationship with someone who lives with us, who relies on us financially, and anyone with an interdependent relationship. So exactly the same thing. They just have two birds for it. Essentially, under that, your child, whether they're over 18 or 18, fully fit that criteria. Your system, unfortunately, doesn't. But then in order once the beneficiary is set up and to have it paid down, it then also has to meet the tax act. And that means that beneficiaries who are valid receive the benefit fully tax free if they are your current spouse, a child under the age of 18, or a child 21 if they're fully financially dependent on you, or, again, whether it's a dependent or financial relationship. And any children over the age of 18, unfortunately, have to pay tax. Tax can be up with a 17% on Yeah. the benefit. So having it paid to your sister through your will, again, gives you more control.","start_word":6245,"end_word":6505,"sentiment":"neutral","sentiment_score":0.01711160255688817},{"text":"You can have a trust set up.","start_word":6506,"end_word":6512,"sentiment":"positive","sentiment_score":0.34983471035957336},{"text":"You can direct what you want done with the funds, how you want it paid to your daughter, how you want her to look after your daughter. And it just means that you get a lot more control around that as well.","start_word":6513,"end_word":6554,"sentiment":"neutral","sentiment_score":0.3004920184612274},{"text":"So doing it this way is absolutely the best way for you.","start_word":6555,"end_word":6566,"sentiment":"positive","sentiment_score":0.4167956113815307},{"text":"Yeah. Yeah. Yeah. Okay. So she's gone Yeah. there, isn't she, at the moment, my daughter? Your daughter? Yeah. She is. Yeah. Yeah. Yep. And my team can pre fill the document for you and have that sent out, so you just have to tick the box. And I can send you an email with some information on a local solicitor that we can use, but also I can grab, like, the each state has, like, a government trustee that can set up wills very cheaply for you. They can be done over the phone or at your local office.","start_word":6567,"end_word":6666,"sentiment":"neutral","sentiment_score":0.13910254836082458},{"text":"And I can get you that information as well if you like to make it easier on you. Yeah. That'll be good.","start_word":6667,"end_word":6688,"sentiment":"positive","sentiment_score":0.37764257192611694},{"text":"Yeah. K. So so is it recommended to keep her on there, or do I keep her No. For your daughter, no. So we'll change the beneficiary fee legal personal representative there? and direct the funds through to your to your will. Yeah. Okay. Yeah. It will be important that once the beneficiary is updated that a will is done Because if we nominate legal personal representative and you still haven't got a will done and you passed away, then everything is paid to your estate, and it all goes through probate.","start_word":6689,"end_word":6780,"sentiment":"neutral","sentiment_score":-0.07037036477223686},{"text":"And that's a pretty horrible process. It's basically where it goes to the court system.","start_word":6781,"end_word":6795,"sentiment":"negative","sentiment_score":-0.4507494568824768},{"text":"So, yeah, just making sure your will is drawn up. We can hold off on changing the beneficiaries until your will is Yeah. in place. That's not a problem Yeah. at I think all. yeah. Yeah. Yeah. Just let yeah. I've gotta Yep. get it done. Gotta look That's into it. that's okay. Well, I'll do that research. You'll probably, on Monday, ask me to, like, get that through to you, but I'll do a bit of research on the local trustee for you. And I can I'll see if I can get the email over the weekend to make it easier. But I'll send you an email which outlines some information on the local solicitor that we use and the costing that we can refer you through to, but also your local trustee's office so you can have a bit of a look at that and kind of work out which I option is better for yourself. did. I Okay. think you did send me your guys all these months. Yep. But yeah. I I my brother's I wanted to speak to my brother because he's done his just recently too. So All good. Yeah. yeah. Sort of same situation. Yeah. But yeah. Okay. Yeah. Send that send it through anyway.","start_word":6796,"end_word":7007,"sentiment":"neutral","sentiment_score":0.08864421397447586},{"text":"Absolutely. More information I've got, the better. Absolutely. And you can sort of have a think about what's gonna be right for you and how how you wanna set up.","start_word":7008,"end_word":7037,"sentiment":"positive","sentiment_score":0.38082608580589294},{"text":"And, yeah, have a chat to your brother. It's always worth having a chat with people who have recently set up a will, what they thought of the person that did it, how they went through it, what they were asked. It kinda gives you an idea of what you're sort of walking into because every solicitor lawyer, everyone does them differently. Yeah.","start_word":7038,"end_word":7100,"sentiment":"neutral","sentiment_score":0.21949557392370136},{"text":"And, yeah, it's just what's right for you at the end of the day.","start_word":7101,"end_word":7114,"sentiment":"positive","sentiment_score":0.40735816955566406},{"text":"It's one of the hardest things we have to sort of think about, but it is definitely one of those things that's worth thinking about and protecting everything. You've worked way too hard to let it all kinda just hope for the best. Yeah. Yeah. Yeah. Yeah.","start_word":7115,"end_word":7161,"sentiment":"neutral","sentiment_score":0.1023591086268425},{"text":"Oh, good. Yeah. Cool.","start_word":7162,"end_word":7165,"sentiment":"positive","sentiment_score":0.42132484912872314},{"text":"And underneath that, I've got, obviously, setting up a will and a power of attorney because that, again, is just really important to make sure that is all considered as well. But feel free to have a read through the document, read through the sections.","start_word":7166,"end_word":7210,"sentiment":"neutral","sentiment_score":0.2907889187335968},{"text":"If you find you have questions, you can let me know. It's no issue at all.","start_word":7211,"end_word":7226,"sentiment":"positive","sentiment_score":0.4223007559776306},{"text":"Yeah. The only thing I do have to let you know is with the insurances, with setting up the Zurich insurances there, we do receive remuneration from the insurer for doing this application once it's in place. We receive 66% of the first year's premium and 22% there ongoing. That is standardized across the board. It is the same for every insurance company. So whether we have it applied for the cover through Neos or with Zurich, essentially, it's the same 66% of the first year's premium. The main difference is I've tried to make the insurances as cheap as possible for you.","start_word":7227,"end_word":7329,"sentiment":"neutral","sentiment_score":0.22796660661697388},{"text":"So lowered that cost as much as possible.","start_word":7330,"end_word":7337,"sentiment":"positive","sentiment_score":0.38608384132385254},{"text":"It's not paid by you in any way, shape, or form. It is paid by the insurer to us. So we just wanna disclose that and make sure you're fully aware of it. We do also receive 22% of the current premium that you are paying to Neos as well, and they just pay that to us every year. And then also with the ongoing service fee, you do pay us 1.65%. That just continues. It's already on the super. Your and and your review, technically, is due around about September.","start_word":7338,"end_word":7428,"sentiment":"neutral","sentiment_score":0.1468634158372879},{"text":"So when that is due, my team will book you in, and you and I can have a bit of a catch up and see how things are going and make sure you're happy to stay on board for a year. If you need new advice, we'll do that for you as well. Just making sure that we're keeping up to date with everything and, you know, making sure that, you know, everything is working harder for you and that we're working towards your goals.","start_word":7429,"end_word":7513,"sentiment":"positive","sentiment_score":0.4526878595352173},{"text":"Because everything I do has to be in your best interest. And if the advice needs to change or is no longer in your best interest, then I have an obligation to make sure that is changed. And I wanna make sure the advice changes and evolves with you as well. Okay? Yep. No Yeah.","start_word":7514,"end_word":7568,"sentiment":"neutral","sentiment_score":0.10610997676849364},{"text":"problem. Thank you.","start_word":7569,"end_word":7571,"sentiment":"positive","sentiment_score":0.4482831060886383},{"text":"That's okay. It's it's probably a lot. You probably need a bit of time to digest. Yeah. It's just like yeah. It's a lot of information, but yeah. It absolutely is. But we'll take some time. Maybe, you know, you have the day. You've got the day off. I sort of suggest that people go and maybe just have a cup of tea, let it digest for a second, then come back and have a really good read of the document. Yeah. And if any questions come up, there is no such thing as a silly question. You send it to me, let me know, and I will reply and make sure we take time to answer those questions for you.","start_word":7572,"end_word":7692,"sentiment":"neutral","sentiment_score":0.1722683310508728},{"text":"If you're happy to take the advice, we just get you to sign and return the document back to us, and then team will have it implemented.","start_word":7693,"end_word":7719,"sentiment":"positive","sentiment_score":0.3473971486091614},{"text":"And if there's any section of the advice you do not wish to proceed with, on the very last page, you do have a text box. You can just write in there with what you don't wanna proceed with. And if you do, like, a little bit of reading on there, I've also got the PDF documents for for your super funds for Netwealth. I've got it for Zurich, for Neos. I've also got the quote attached for you, and I've also got our financial services guide and all the bits and pieces. So depending on how much reading you're interested in, those documents are all attached for you as Okay. well as the appendices. Yeah. I'll get it all together.","start_word":7720,"end_word":7840,"sentiment":"neutral","sentiment_score":0.09652617191972812},{"text":"I'm cool. I will have a read through this.","start_word":7841,"end_word":7849,"sentiment":"positive","sentiment_score":0.4724990427494049},{"text":"I'll print it off. I'll read it on the phone. Yeah. No. Understandable. It's a bit it can be a little bit small. So yeah. Cool. Alright. That's it, Dana? Okay. That's it.","start_word":7850,"end_word":7882,"sentiment":"neutral","sentiment_score":0.07355649024248123},{"text":"Yeah. You enjoy the rest of your day.","start_word":7883,"end_word":7890,"sentiment":"positive","sentiment_score":0.6403249502182007},{"text":"Yeah. So once I sign this, then it'll you'll take out that Zurich. Is it? Yeah. So once once you sign and return that back, my lovely team will give you a call. They'll book you in to go through your insurance application with you. They'll do it at a time that suits you, so it can be any day. And then we'll submit the application to Zurich. It'll go through the underwriting process. So if there is medical things that come out that we weren't aware of beforehand, they may request doctor's reports. But as I said, we did your pre assessment. Nothing really flagged that was gonna be an issue so far. And if if it's, you know, a clean what we call clean skin, if there's no issues, often it goes into force really quickly. And then the insurance premium is just deducted out of your super fund at as soon as the policy is placed in force. And we confirm at every step what's happening with that policy. Okay. Yeah. No problem.","start_word":7891,"end_word":8066,"sentiment":"neutral","sentiment_score":0.08960441499948502},{"text":"Great. That's okay.","start_word":8067,"end_word":8069,"sentiment":"positive","sentiment_score":0.392063170671463},{"text":"Okay.","start_word":8070,"end_word":8070,"sentiment":"neutral","sentiment_score":0.32637882232666016},{"text":"Appreciate you with me call too on your day off.","start_word":8071,"end_word":8080,"sentiment":"positive","sentiment_score":0.4112955331802368},{"text":"Oh, that's okay. It's really important as I was sitting there with Sammy because I sit basically next to her. And when you called back in, and she was saying, oh, Friday. And I was like, yes. Do it. It's done. I don't I do not mind in any way, shape, or form. I would rather take the time to take you through it when you're available than to be rushing through it in your lunch break or when you're at work and Yes. sort of stress stressing about things. Yes. So I don't mind in any way, shape, or form.","start_word":8081,"end_word":8181,"sentiment":"neutral","sentiment_score":0.12899176687887398},{"text":"I love what I do. As you can half turn, I'm a crazy Yes. super insurance lady, and it's about making sure that everything's working for you. So I will always take calls.","start_word":8182,"end_word":8214,"sentiment":"positive","sentiment_score":0.5369658470153809},{"text":"Know, if someone needs me on a Friday, I'll make time for it.","start_word":8215,"end_word":8227,"sentiment":"neutral","sentiment_score":0.3258981704711914},{"text":"It's not a problem at all.","start_word":8228,"end_word":8233,"sentiment":"positive","sentiment_score":0.46427831053733826},{"text":"Okay? Yeah.","start_word":8234,"end_word":8235,"sentiment":"neutral","sentiment_score":0.2588931918144226},{"text":"Thank you. Yeah. Perfect. That's alright. My pleasure.","start_word":8236,"end_word":8243,"sentiment":"positive","sentiment_score":0.5689300298690796},{"text":"Alright. I will get this printed off and, yeah, Yep. get for Yeah.","start_word":8244,"end_word":8256,"sentiment":"neutral","sentiment_score":0.16476865112781525},{"text":"Fantastic.","start_word":8257,"end_word":8257,"sentiment":"positive","sentiment_score":0.5888876914978027},{"text":"Is there a time frame to get this back? Or No. So the the advice is that was for sixty days from the date on the document there. However, if you need longer than that, I'll just reconfirm your circumstances. It's not a problem at all. Okay. Yeah. No. I'll try and get this before then. Yeah. Yep. Yeah. No Perfect. worries. Alright.","start_word":8258,"end_word":8320,"sentiment":"neutral","sentiment_score":0.06718502193689346},{"text":"Thank you, Dana. Appreciate the My call. pleasure. No worries. You have a lovely day, and have a great weekend. I will. You too. Thank you. Thank you, Natalie. I'll talk to you soon. See you Thank later.","start_word":8321,"end_word":8358,"sentiment":"positive","sentiment_score":0.5609947443008423},{"text":"bye bye. Bye.","start_word":8359,"end_word":8361,"sentiment":"neutral","sentiment_score":0.19689245522022247}],"average":{"sentiment":"neutral","sentiment_score":0.07928530226428238}}}}