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Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Yep. And just to confirm I am speaking with the right person, would you be able just to confirm your full name, date of birth, and address for me, please? Great. Perfect. That's exactly what I have here. And how's your day been so far? Been busy? Yeah. Almost at the end, though, or do you got a bit more to go? Beautiful. Oh, that's nice. Now I'm just about to send you the documents to run through quickly. Do you have access to your emails at the moment or not really right now? Mhmm. I think if you can forward, it just has to match what's in just for your super form. So whatever is listed in hub 24, if it's signed, it just has to match. Otherwise, it won't verify that it's the same person. That's the only reason. Okay. Perfect. So that's just on its way. So it should come through shortly. Technology has been a little bit slow this morning, but, hopefully, that comes through. But while I wait for that to come through, do you want to kind of go through the beneficiary forms and stuff first? Yeah. So yeah. Yep. Yeah. Yep. Yes and no. Yes. You can't nominate friends directly through Super. So it has to be like a spouse or a a child or someone that is financially dependent in order to nominate it directly through Cooper. You can still nominate friends and family, like, extended family. You can nominate charities and stuff like that. You can nominate kind of anyone that's living, but you would have to do it through the will. So on the excuse me. On the form, you would complete it as a 100% through the legal personal representative, which is one of the options. Now that basically says that if something were to happen to you, your super and insurances would reverse to your will. And then in the will, you will then stipulate how you want everything distributed. The way the reason you have to do it that way is because super insurance does not form part of an estate asset. So if something were to happen, it doesn't automatically form part of the estate. Now if it is a reason where there is not a valid nomination, then it can revert back through the estate anyway, but it is ultimately up to the trustee. So to make sure it goes to who you want to, which is perfectly fine to have friends. We have a lot of people who have friends or nephews and nieces or anything like that. You would just have to complete the form as a 100% to the legal personal representative, and then you will have to get a will and nominate it through that way. Does that make sense? Yeah. So it is a little bit more convoluted, but you still can give it to them. Yep. Now you can obviously you still have a will in place, don't you? Yeah. So it might be easier to did you get it through a lawyer, or did you just do it yourself? Okay. Oh, well, that's good. It makes it a bit easier too. So I would just say just obviously let them know, and then you can, yeah, nominate however you want. And the good thing with the will as well that it gives you more flexibility that you can do, you know, I would like this to go to this person first or something would happen then this person and stuff like that. Whereas with the the beneficiary forms, you just nominate one person. And then if you don't update it and that person is no longer around, then that would just classify it as not having a valid nomination, if that makes sense. Mhmm. Correct. That is exactly right. Yes. Did you have any questions with the other options as well? Because sometimes they can be confusing if you wanna have the binding or the non lapsing and stuff, or did that make sense? Yeah. Yeah. Sorry. The lapsing means that it expires every three years. So that means that you have to complete the form every three years. Non lapsing means that it stays in place until you decide to change it. So a lot of people for convenience prefer to have the non lapsing, so you don't have to worry about it. Especially with the will, it's a bit easier. The only downside is that, obviously, if your situation change and you don't update it, just something to be mindful of. Yep. And then binding and nonbinding, it is a little bit more self explanatory, but binding means that, basically, the trustee has to follow your wishes, whereas nonbinding means that you say that this is what you want to have happen. But then it's ultimately up to the trustee to decide what they think or if they think there's someone else that would be better suited for it that can make a claim. So binding gives you more certainty. Yeah. Yeah. It's very and the even just the terminology is very different. So, yeah, you'd think you'd think you'd be but, no, it's very different. And the rules are really different and stuff like that as well. And if you're not in the super environment, then it's different. Whereas for me, we are more across, obviously, everything with super insurances. But if you were to talk to me about personal injury, then I wouldn't I wouldn't know. Yeah. Yes. Yes. Exactly. But yeah. So that's the forms anyway. So, obviously, they have to be signed and witnessed because you are making a legal nomination. Then you can either just send it back to us via email if you have access to a scanner, or you can obviously post it back, whatever is easiest for you, and then we'll get that uploaded and sorted. Yep. Perfect. Does that answer those questions for you? Yep. Yeah. Yeah. It says it's been sent on my end. Now sometimes it does end up in the spam folder as well. Yeah. But let me just see. Yeah. Sometimes it does, yeah, it does take a a little bit. So yeah? Okay. It probably will come through by the time like, while it goes through it. The first couple of things are more just kind of housekeeping and stuff like that anyway. So let me know when it does come through, though, and I'll let you know kind of where we're up to. Yep. Now, otherwise, when it does come through, you will see that you have if you click on the link, it will get you to sign the documents, but that's when you can actually access and view the statement of advice first. Now aside from that, you'll have a couple of attachments, and they are just kind of supporting documents that goes with it. So all the research that goes into it, but then also all the product disclosure statements on, like, changes in the investment and the SMA and stuff like that for you as well. Yeah. Otherwise, the statement of advice is valid for sixty days from when it was prepared. So you do have a little bit of time if you do wanna think about it and decide what you want to do. Just let me know if you need more time because I'll just have to go and update everything to make sure it's still up to date. But, otherwise, you do have a bit of a time to read over as well. Now you will see on the cover page as well, you will see my details, so you will see my authorized representative number listed there. And I am licensed, obviously, under OQ Financial, and then you have all our contact details and ABN details and everything like that on that cover page for you. On the next page, it just outlines that best interest duty for you again, which is just to say that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense? Yep. Perfect. Now you'll have table of content, pretty self explanatory. You have a couple of pages outlining scope of advice, which essentially is just the area that we are focusing on today. And mainly today, we are looking at your superannuation, making sure that continues to grow so that you can retire comfortably and not have that financial stress, and just review the option of moving into that SMA and potentially changing some of those investments to make sure it's growing a little bit better for you. Yep. Otherwise, we're not making any changes to your insurances or anything like that. It is just simply those investments in superannuation. So nice and easy today. You will also have a couple of pages. You will see a section about you, just some personal information. So when you have a moment or when it comes through, just have a read over it just to make sure that's all up to date or if we need to make any changes in the back end for you. And then, also, you will have a page outlining, like, your assets and liabilities and stuff like that as well. Has that still not come through yet? No? Okay. I might otherwise yeah. Oh, that might be it. Yes. Yes. That's the one. Yes. That's my colleague. Oh, there we go. Yeah. So if you click on that link, it will actually allow you to view the whole document before it prompts you to sign just to make sure you're obviously happy with everything. And then let me know if that opens up and you can see, like, the cover page is a photo of the Gold Coast and your details. Yeah. Perfect. Yep. Yep. So if you just wanna kind of scroll through a little bit, you will see the next one. Is that best interest duty I mentioned? Table of content. Yes. Scope of advice, which kind of those areas we are looking at today. Limited consideration, which is just insurance just to show the impact it has on your superannuation, but we're not making any changes to it. Limited advice, you will see on page five. That one also just shows you that I'm not a legal practitioner. I can't give you legal advice. Can obviously provide you guidance on how to structure things for super insurance purposes and and tax on that side of it. But, obviously, I can't give you legal advice. And then underneath that, you will see that little table where it says our advice to you. Yep. So that is essentially the the strategy recommendation today. So I have recommended that you retain your hub twenty four, but change your underlying investments. Also, retain your Mercer super, but look to change the contribution into Mercer just to make sure we keep those insurances active. And then we'll kind of do rollovers from Mercer to Hub twenty four if appropriate to make sure that your super grows and that you have the most amount of money in the fund that's going to do the best for you. Yep. Also looking at doing a bit of salary sacrifice as well. So looking at about $20 per week. And then I did include the information about the beneficiary nomination as well because, obviously, we did have that conversation last time. So I have included just some general information in regards to beneficiary nomination and how to set it up and stuff like that for you as well. Yep. Now the next two pages is that personal information. If you could have a little read over that for me. Yeah. No. Not anymore. We we have No. Yes. Yeah. Yes. No. We we do have it on the record. So if we needed to, you know, revisit insurances, but, obviously, because of the medical history and the time frame, they need to wait a bit longer before, like, other providers are willing to offer cover because of it. But because you don't like you said, you are in remission now, you don't right now have any health issues, we just kind of put it as no, but we do have that information about your history as well. Yeah. Yeah. Perfect. And the next page as well, does that all look good? Yep. Perfect. You can see underneath that, you have your hub 24 and your Mercer super. You do have your life and total permanent disability within Mercer. So a 170,000, which is only costing $228 a year. Yep. The next page for me is where it says your risk profile. Can you see that okay? Yeah. Perfect. Now this is kind of when we went through those questions to see how you feel about fluctuations and market risk and what your goals are in regards to your superannuation. So it kind of came out as a high growth investor. From a time frame point of view, it's definitely suitable because you do have quite a bit of time until retirement in order to kind of focus on growing your superannuation. So I'm not making any changes through the risk profile. It's just looking at moving into that estimate structure for you. Yep. So you can kind of have a read over that again in your own time. Just a little bit more information on your typical high growth portfolio. You'll see a little pie chart as well. But, typically, you have about ninety ten. So about 90 to 95 in your growth assets. So, like, Australian shares, the international shares, property, and commodities. And then you have about 10 to five in that defensive, like your cash, your gold, your fixed interest. Yep. The next page and it is quite wordy, and a lot of it is also to make sure that you fully understand everything. But on page 10, you'll basically see everything kind of broken down for you. So I have recommended you retain Hub twenty four. Now I did do research on Hub twenty four just to make sure it's still the best super platform for you. Because there's always new products and features coming out, so it is good to kind of just reassess it every now and then to make sure it's the best option for you, and it still very much is. It is very competitive with similar options that do have their flexibility with investment choices to try to build that portfolio. But Hub 24 was a little bit cheaper, which is great, and still kind of gives you the same flexibility. And I use Hub 24 for my personal super as well. And I wouldn't be using it if I didn't think it was good, and I wouldn't tell you to use it either. Yeah. Now we are obviously returning sorry, retaining that Merfa suit before you just for the purpose of keeping those insurances. And to be safe, like I said, I have recommended that we redirect the contributions, that we will send you the form and stuff to make it nice and easy. That is just because I don't want at any point in time those insurances lapse. So while you have contributions going in through the fund, there is no there's no concern for it. Typically, as well, you wanna make sure that the dispute balance stays above 6,000, which it is at the moment. And if you put contributions, there's no risk for it. If ever in you know, if it's a situation where you are not working for a long period of time, typically sixteen months or so, there's no contributions going, that's when Mercer can say, okay. Well, there's no contributions going, and we can cancel it. So we don't want that. We can also complete an opt in form, which, again, we will help you with, and that is just to say to Mercer that we wanna keep those insurances active Even if at some point you are not contributing to the fund or if your super balance do drop a little bit, we wanna keep those insurances. So we will kind of help you through those forms. Does that all make sense so far? Yep. Great. Perfect. Now as you scroll through, you will also see a couple of advantages with the recommendation, some disadvantages, and some risks to be mindful of as well. Now a lot of it is then outlined in a table for you a little bit later showing you all the numbers. But, essentially, do you remember kind of us talking about the SMA and the concept around it last time. Yep. Perfect. So I did do research on the SMA as well as other portfolio options just to make sure that the SMA was still going to be affordable for you. It's going to minimize capital gains tax and put you in the best position. And after doing all the research, it was it was a really good suitable match for you. So I have recommended that we make the switch, and the really good thing with the SMA is that it gives us that flexibility. So if there are anything drastic that happens in the market, which at the moment, we're obviously seeing a bit of volatility and stuff around the world, and the last twelve months have, you know, seen a few things as well, it means it means that we very easy and quickly can make those changes if need be. You still get notified of any changes we do to your investments, and we always have to follow the best interest duty and always follow all the, you know, all the ethics and legislation. We always have to do that for you and always make sure that if we do make a change, it is in your best interest, and it is going to put you in a better position. But it means that with the SMA concept, we can make those changes quickly for you to try to minimize any losses if there are a bit of volatility in some market, which means that it's obviously a lot quicker. Yep. And then also because we have joined with BlackRock, we also get access to all their investment knowledge and expertise and all their research tools, which again kind of helps us in constructing the portfolio and also kind of minimizing the risk with investments, and trying to keep that as low as possible. Yep. Does that make sense? I know it's probably a lot. Yeah. Perfect. Now if you do wanted to read up a little bit more on everything as well, in those supporting documents, which was when you get out of the email, those other attachments, there is actually a product disclosure statement about the SMA as well. So if you wanted to have a read on a bit more on through it as well, it's all in there. But it's also a little bit more explained in this document as well. So, again, when you have some time, have a read over it, and any questions, let me know. Yep. Now let me see here. One of the risks is that there's always a level of risk associated with any investment option. Yep. Now if you kind of scroll down to page 14, you will also see kind of alternatives consider. Can you see that okay? Yep. So kind of like I mentioned earlier, I did consider rolling the your super into another option, and I did consider a couple of option. The one that was the most competitive was my North, which is quite similar to Hub twenty four. But by doing so, because your super has gone up and done pretty good, by doing the switch, it would mean that it would be a lot larger capital gains tax by selling the investments. And it just wasn't worth it when hub twenty four is very competitive as it is already. Yep. Yep. Perfect. Which then kind of takes us through the investment. So that is page 15. Yep. Now as you can see here, the the previous structure, kind of like with Tyson, was a little bit different. You can see each and every single one of the investments, and we are moving that into the SMA. Now the SMA, it's just called Bloom. That's just the option that aligns with your high growth portfolio. So within that investment option, you still have a range of different investments to diversify your portfolio. Everything, it's still very much there, but it just gives us that flexibility of swapping investments for you if something were to happen. And when we do you know, if you are happy to go ahead and make the change, when you actually go into Hub twenty four yourself, you will see then Oakview SMA Bloom, but you can actually click on it, and you can then drop down and see all the individual investments as well. So you still have that oversized. Yep. Perfect. Does that still make sense so far? Yep. Perfect. The next page, you will then see just the Merced investment for you. Not making any changes. Just keeping that one, which is just that default. Yeah. That one kinda follows more like the age the age group. So then the older you get, they kind of then tend to slowly get more defensive, because you might be a little bit less tolerant to risk when you get closer to retirement. Yep. Perfect. Now not too much more to go, and I will let you go. But, basically, on the next page, you will see that risk profile. Can you see that little pie chart and table? Yep. So you can see the risk profile is around that ninety ten split, the growth to the defensive, your existing portfolio, and then the proposed. So it still aligns within that ninety ninety five to 10 to five to try and grow that for you. Yep. The next page is where you see everything kind of broken down into all the fees and the returns. Can you see that okay? Yep. Perfect. So the good thing with making the change, even though we are swapping a lot of the investments out, by doing so, the only capital gains that will be payable within super is about $88, which is pretty good. Now that that will be paid within super, so you obviously don't have to pay for it, but it will come out of your super investments when we make the change. Yep. It can vary a little bit as well because the rates and stuff do fluctuate on a daily, but it will be around that $88, which which is pretty good. Yep. Now, otherwise, there's no major changes. The fee like, our adviser fee stays the same. Contributions are changing, like I said, to Mercer. And the reason why it is a little bit more as well is because of that salary sacrifice for you. Yep. Obviously, your insurances are not changing. The good thing as well, though, is that if you look on the investment fee at row and also the administration fee row, by actually making the change. The investments in the SMA are quite a bit cheaper than those in your current portfolio, which is good. And it's also making because the SMA is available on there are kind of like a cheaper platform in Hub 24. It gives you access to a little bit cheaper discount on administration fees as well, which is also reducing the fees, which is nice. Yeah. So you can see the total cost saving is around 986, which does make a pretty big difference when you are compounding things. Yeah. And aside from that, the the good thing as well is that the recommended portfolio in hub twenty fours and moving into the SMA, when we are looking at a historical five year rolling average, it has done better than your current portfolio as well, which is good. Can you say that okay? Yep. Yep. Perfect. Now on the next page, you can then see where we have kind of projected everything forward for you for five and ten years just to see roughly where things will be at if things kind of stays the same. So you can kind of see the difference that in, you know, about the ten years, it still makes a difference of about 50,000 just by making those changes, saving a bit of investment fees, improving the returns a little bit, and then just doing that $20 per week extra contribution. Yep. Perfect. Now underneath that, you can then also see the difference between the current and the recommended portfolio. But you can see that if we are looking more kind of further back in time, your current portfolio was doing really good, and that was why it was kind of recommended and put in place. But more recently, they are starting to to decline. And the biggest thing was that Benelon one I mentioned last time as well. So if we were to leave everything the way that they are, we do think that for the next year or so, it would kind of continue to go down a little bit. But we do wanna stop that out of it. Yeah. Yep. Any questions so far? No. Perfect. Now the other thing is that showing you a little bit about the salary sacrifice. Now this can look a little bit messy, but, basically, by doing $20 per week, it's obviously pretax, which is what's really good. And contributions going in through superannuation is only taxed at 15%, which is lower than your marginal tax rate. So the good thing is that you are continue through adding and boosting your superannuation, which will compound and invest. But on the flip side, you are also saving a little bit in tax, which is nice. Yeah. So this, like I said, can look a bit messy, but it shows you basically your salary. It shows you the salary sacrifice. It shows you a yearly, the taxable income, the tax you will pay on the taxable income, and then the net income, the after tax for you. And then underneath it, it shows your contribution. So your employer contribution, so what your employer pays, the salary sacrifice, the tax on the contributions, and then the total net contribution. Does that make sense as well? Yep. Great. Perfect. Now on the next couple of pages, I'll let you have a read over that in your own time. It's kind of what we've gone through as well. The, you know, the big advantage by making contributions is you are contributing through your retirement, boosting superannuation. The money is also invested, so they obviously grow a bit quicker than if they just sit in on a savings account. You also save in, obviously, that tax, which is nice. The disadvantage is that because you are making it into superannuation, it will stay locked in until you meet a condition of release. For example, turning 60 and retiring. Yep. Otherwise, one of the risk is as well that there's always, you know, a a risk that legislation could change. But now the rule is that you can access it for at 60 when you stop when you retire, but that could obviously change in the future. We don't obviously know what they are potentially going to change. Yeah. Unfortunately. Oh, same. Basically, at the end, it just shows that legal personal representative we touched on in the beginning for the beneficiary, and that is just so you can then nominate exactly who you want. Yeah. Again, it's just a little bit of information for you in regards to the legal personal representative, which is kind of what we touched on in the beginning as well that gives you the peace of mind. But, obviously, your state will be divided after you wish it, and you can then nominate whoever you want. Yep. Now lastly, you will see our ongoing services. So as you would know, we would we obviously do your annual review every twelve months. If you want more frequent catch ups, we can most definitely do so. If there is anything you need in the meantime, though, you could always give us a call or send us an email whenever you want to. If there are other areas that you want to discuss and advance advice on as well, it again, it is part of that ongoing advice fee. Yep. Which is just highlighted again on page 27 for you. Just showing you that there's no changes whatsoever through the fee. It stays the same at 1.65. So if you're happy and you would like to go ahead with this change, there's no additional charges or anything like that to implement everything. It is all part of that ongoing service. Yep. And then it just basically outlines the authority to proceed. So that is if you're happy to go ahead with the change, what we are looking to do, which is obviously switching over the hub 24 to the SMA. We wanna change your contributions to. We will send you the details as well so you can start making the salary sacrifice or if you're happy to speak to your employer, whichever is the easiest for you. And then you already have those forms with the beneficiaries, which is good. So we'll keep an eye on on those and then get that uploaded to make sure that's all updated for you. Perfect. Now that was basically everything that I needed to go through on my end. So do you have any other questions, or what are your thoughts with everything? Yeah. Yeah. Yeah. Oh, that's good. Yeah. So, basically, from here, the the process is that if you want to go ahead and make the change, we will just need you to press sign in that link. It will then come through to me, and I will get the let the team know, and we can then start implementing that. But like I said, obviously, if you are at work and you want to take a bit of time to read over it as well, that is no problem at all either. Yeah. Perfect. So if you don't have any other questions for me, I will let you go so you can finish up at work and then head home. But if there is anything else that you do need or any other questions, just let me know. Otherwise, I'll kind of keep a look at to see if that comes through, if you wanna implement it, or what your thoughts are. Yep. No problem at all. I hope you enjoy the rest of your day, and thank you so much for your time today. No problem. We'll speak soon. 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afternoon. This is Veronica from Oakview Financial. How are you? I'm good. Thanks.\n\nI had you booked in to go over your strategy recommendation. Is now still a good time? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay?\n\nYep. And just to confirm I am speaking with the right person, would you be able just to confirm your full name, date of birth, and address for me, please? Great. Perfect. That's exactly what I have here.\n\nAnd how's your day been so far? Been busy? Yeah. Almost at the end, though, or do you got a bit more to go? Beautiful.\n\nOh, that's nice. Now I'm just about to send you the documents to run through quickly. Do you have access to your emails at the moment or not really right now? Mhmm. I think if you can forward, it just has to match what's in just for your super form.\n\nSo whatever is listed in hub 24, if it's signed, it just has to match. Otherwise, it won't verify that it's the same person. That's the only reason. Okay. Perfect.\n\nSo that's just on its way. So it should come through shortly. Technology has been a little bit slow this morning, but, hopefully, that comes through. But while I wait for that to come through, do you want to kind of go through the beneficiary forms and stuff first? Yeah.\n\nSo yeah. Yep. Yeah. Yep. Yes and no.\n\nYes. You can't nominate friends directly through Super. So it has to be like a spouse or a a child or someone that is financially dependent in order to nominate it directly through Cooper. You can still nominate friends and family, like, extended family. You can nominate charities and stuff like that.\n\nYou can nominate kind of anyone that's living, but you would have to do it through the will. So on the excuse me. On the form, you would complete it as a 100% through the legal personal representative, which is one of the options. Now that basically says that if something were to happen to you, your super and insurances would reverse to your will. And then in the will, you will then stipulate how you want everything distributed.\n\nThe way the reason you have to do it that way is because super insurance does not form part of an estate asset. So if something were to happen, it doesn't automatically form part of the estate. Now if it is a reason where there is not a valid nomination, then it can revert back through the estate anyway, but it is ultimately up to the trustee. So to make sure it goes to who you want to, which is perfectly fine to have friends. We have a lot of people who have friends or nephews and nieces or anything like that.\n\nYou would just have to complete the form as a 100% to the legal personal representative, and then you will have to get a will and nominate it through that way. Does that make sense? Yeah. So it is a little bit more convoluted, but you still can give it to them. Yep.\n\nNow you can obviously you still have a will in place, don't you? Yeah. So it might be easier to did you get it through a lawyer, or did you just do it yourself? Okay. Oh, well, that's good.\n\nIt makes it a bit easier too. So I would just say just obviously let them know, and then you can, yeah, nominate however you want. And the good thing with the will as well that it gives you more flexibility that you can do, you know, I would like this to go to this person first or something would happen then this person and stuff like that. Whereas with the the beneficiary forms, you just nominate one person. And then if you don't update it and that person is no longer around, then that would just classify it as not having a valid nomination, if that makes sense.\n\nMhmm. Correct. That is exactly right. Yes. Did you have any questions with the other options as well?\n\nBecause sometimes they can be confusing if you wanna have the binding or the non lapsing and stuff, or did that make sense? Yeah. Yeah. Sorry. The lapsing means that it expires every three years.\n\nSo that means that you have to complete the form every three years. Non lapsing means that it stays in place until you decide to change it. So a lot of people for convenience prefer to have the non lapsing, so you don't have to worry about it. Especially with the will, it's a bit easier. The only downside is that, obviously, if your situation change and you don't update it, just something to be mindful of.\n\nYep. And then binding and nonbinding, it is a little bit more self explanatory, but binding means that, basically, the trustee has to follow your wishes, whereas nonbinding means that you say that this is what you want to have happen. But then it's ultimately up to the trustee to decide what they think or if they think there's someone else that would be better suited for it that can make a claim. So binding gives you more certainty. Yeah.\n\nYeah. It's very and the even just the terminology is very different. So, yeah, you'd think you'd think you'd be but, no, it's very different. And the rules are really different and stuff like that as well. And if you're not in the super environment, then it's different.\n\nWhereas for me, we are more across, obviously, everything with super insurances. But if you were to talk to me about personal injury, then I wouldn't I wouldn't know. Yeah. Yes. Yes.\n\nExactly. But yeah. So that's the forms anyway. So, obviously, they have to be signed and witnessed because you are making a legal nomination. Then you can either just send it back to us via email if you have access to a scanner, or you can obviously post it back, whatever is easiest for you, and then we'll get that uploaded and sorted.\n\nYep. Perfect. Does that answer those questions for you? Yep. Yeah.\n\nYeah. It says it's been sent on my end. Now sometimes it does end up in the spam folder as well. Yeah. But let me just see.\n\nYeah. Sometimes it does, yeah, it does take a a little bit. So yeah? Okay. It probably will come through by the time like, while it goes through it.\n\nThe first couple of things are more just kind of housekeeping and stuff like that anyway. So let me know when it does come through, though, and I'll let you know kind of where we're up to. Yep. Now, otherwise, when it does come through, you will see that you have if you click on the link, it will get you to sign the documents, but that's when you can actually access and view the statement of advice first. Now aside from that, you'll have a couple of attachments, and they are just kind of supporting documents that goes with it.\n\nSo all the research that goes into it, but then also all the product disclosure statements on, like, changes in the investment and the SMA and stuff like that for you as well. Yeah. Otherwise, the statement of advice is valid for sixty days from when it was prepared. So you do have a little bit of time if you do wanna think about it and decide what you want to do. Just let me know if you need more time because I'll just have to go and update everything to make sure it's still up to date.\n\nBut, otherwise, you do have a bit of a time to read over as well. Now you will see on the cover page as well, you will see my details, so you will see my authorized representative number listed there. And I am licensed, obviously, under OQ Financial, and then you have all our contact details and ABN details and everything like that on that cover page for you. On the next page, it just outlines that best interest duty for you again, which is just to say that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation.\n\nDoes that make sense? Yep. Perfect. Now you'll have table of content, pretty self explanatory. You have a couple of pages outlining scope of advice, which essentially is just the area that we are focusing on today.\n\nAnd mainly today, we are looking at your superannuation, making sure that continues to grow so that you can retire comfortably and not have that financial stress, and just review the option of moving into that SMA and potentially changing some of those investments to make sure it's growing a little bit better for you. Yep. Otherwise, we're not making any changes to your insurances or anything like that. It is just simply those investments in superannuation. So nice and easy today.\n\nYou will also have a couple of pages. You will see a section about you, just some personal information. So when you have a moment or when it comes through, just have a read over it just to make sure that's all up to date or if we need to make any changes in the back end for you. And then, also, you will have a page outlining, like, your assets and liabilities and stuff like that as well. Has that still not come through yet?\n\nNo? Okay. I might otherwise yeah. Oh, that might be it. Yes.\n\nYes. That's the one. Yes. That's my colleague. Oh, there we go.\n\nYeah. So if you click on that link, it will actually allow you to view the whole document before it prompts you to sign just to make sure you're obviously happy with everything. And then let me know if that opens up and you can see, like, the cover page is a photo of the Gold Coast and your details. Yeah. Perfect.\n\nYep. Yep. So if you just wanna kind of scroll through a little bit, you will see the next one. Is that best interest duty I mentioned? Table of content.\n\nYes. Scope of advice, which kind of those areas we are looking at today. Limited consideration, which is just insurance just to show the impact it has on your superannuation, but we're not making any changes to it. Limited advice, you will see on page five. That one also just shows you that I'm not a legal practitioner.\n\nI can't give you legal advice. Can obviously provide you guidance on how to structure things for super insurance purposes and and tax on that side of it. But, obviously, I can't give you legal advice. And then underneath that, you will see that little table where it says our advice to you. Yep.\n\nSo that is essentially the the strategy recommendation today. So I have recommended that you retain your hub twenty four, but change your underlying investments. Also, retain your Mercer super, but look to change the contribution into Mercer just to make sure we keep those insurances active. And then we'll kind of do rollovers from Mercer to Hub twenty four if appropriate to make sure that your super grows and that you have the most amount of money in the fund that's going to do the best for you. Yep.\n\nAlso looking at doing a bit of salary sacrifice as well. So looking at about $20 per week. And then I did include the information about the beneficiary nomination as well because, obviously, we did have that conversation last time. So I have included just some general information in regards to beneficiary nomination and how to set it up and stuff like that for you as well. Yep.\n\nNow the next two pages is that personal information. If you could have a little read over that for me. Yeah. No. Not anymore.\n\nWe we have No. Yes. Yeah. Yes. No.\n\nWe we do have it on the record. So if we needed to, you know, revisit insurances, but, obviously, because of the medical history and the time frame, they need to wait a bit longer before, like, other providers are willing to offer cover because of it. But because you don't like you said, you are in remission now, you don't right now have any health issues, we just kind of put it as no, but we do have that information about your history as well. Yeah. Yeah.\n\nPerfect. And the next page as well, does that all look good? Yep. Perfect. You can see underneath that, you have your hub 24 and your Mercer super.\n\nYou do have your life and total permanent disability within Mercer. So a 170,000, which is only costing $228 a year. Yep. The next page for me is where it says your risk profile. Can you see that okay?\n\nYeah. Perfect. Now this is kind of when we went through those questions to see how you feel about fluctuations and market risk and what your goals are in regards to your superannuation. So it kind of came out as a high growth investor. From a time frame point of view, it's definitely suitable because you do have quite a bit of time until retirement in order to kind of focus on growing your superannuation.\n\nSo I'm not making any changes through the risk profile. It's just looking at moving into that estimate structure for you. Yep. So you can kind of have a read over that again in your own time. Just a little bit more information on your typical high growth portfolio.\n\nYou'll see a little pie chart as well. But, typically, you have about ninety ten. So about 90 to 95 in your growth assets. So, like, Australian shares, the international shares, property, and commodities. And then you have about 10 to five in that defensive, like your cash, your gold, your fixed interest.\n\nYep. The next page and it is quite wordy, and a lot of it is also to make sure that you fully understand everything. But on page 10, you'll basically see everything kind of broken down for you. So I have recommended you retain Hub twenty four. Now I did do research on Hub twenty four just to make sure it's still the best super platform for you.\n\nBecause there's always new products and features coming out, so it is good to kind of just reassess it every now and then to make sure it's the best option for you, and it still very much is. It is very competitive with similar options that do have their flexibility with investment choices to try to build that portfolio. But Hub 24 was a little bit cheaper, which is great, and still kind of gives you the same flexibility. And I use Hub 24 for my personal super as well. And I wouldn't be using it if I didn't think it was good, and I wouldn't tell you to use it either.\n\nYeah. Now we are obviously returning sorry, retaining that Merfa suit before you just for the purpose of keeping those insurances. And to be safe, like I said, I have recommended that we redirect the contributions, that we will send you the form and stuff to make it nice and easy. That is just because I don't want at any point in time those insurances lapse. So while you have contributions going in through the fund, there is no there's no concern for it.\n\nTypically, as well, you wanna make sure that the dispute balance stays above 6,000, which it is at the moment. And if you put contributions, there's no risk for it. If ever in you know, if it's a situation where you are not working for a long period of time, typically sixteen months or so, there's no contributions going, that's when Mercer can say, okay. Well, there's no contributions going, and we can cancel it. So we don't want that.\n\nWe can also complete an opt in form, which, again, we will help you with, and that is just to say to Mercer that we wanna keep those insurances active Even if at some point you are not contributing to the fund or if your super balance do drop a little bit, we wanna keep those insurances. So we will kind of help you through those forms. Does that all make sense so far? Yep. Great.\n\nPerfect. Now as you scroll through, you will also see a couple of advantages with the recommendation, some disadvantages, and some risks to be mindful of as well. Now a lot of it is then outlined in a table for you a little bit later showing you all the numbers. But, essentially, do you remember kind of us talking about the SMA and the concept around it last time. Yep.\n\nPerfect. So I did do research on the SMA as well as other portfolio options just to make sure that the SMA was still going to be affordable for you. It's going to minimize capital gains tax and put you in the best position. And after doing all the research, it was it was a really good suitable match for you. So I have recommended that we make the switch, and the really good thing with the SMA is that it gives us that flexibility.\n\nSo if there are anything drastic that happens in the market, which at the moment, we're obviously seeing a bit of volatility and stuff around the world, and the last twelve months have, you know, seen a few things as well, it means it means that we very easy and quickly can make those changes if need be. You still get notified of any changes we do to your investments, and we always have to follow the best interest duty and always follow all the, you know, all the ethics and legislation. We always have to do that for you and always make sure that if we do make a change, it is in your best interest, and it is going to put you in a better position. But it means that with the SMA concept, we can make those changes quickly for you to try to minimize any losses if there are a bit of volatility in some market, which means that it's obviously a lot quicker. Yep.\n\nAnd then also because we have joined with BlackRock, we also get access to all their investment knowledge and expertise and all their research tools, which again kind of helps us in constructing the portfolio and also kind of minimizing the risk with investments, and trying to keep that as low as possible. Yep. Does that make sense? I know it's probably a lot. Yeah.\n\nPerfect. Now if you do wanted to read up a little bit more on everything as well, in those supporting documents, which was when you get out of the email, those other attachments, there is actually a product disclosure statement about the SMA as well. So if you wanted to have a read on a bit more on through it as well, it's all in there. But it's also a little bit more explained in this document as well. So, again, when you have some time, have a read over it, and any questions, let me know.\n\nYep. Now let me see here. One of the risks is that there's always a level of risk associated with any investment option. Yep. Now if you kind of scroll down to page 14, you will also see kind of alternatives consider.\n\nCan you see that okay? Yep. So kind of like I mentioned earlier, I did consider rolling the your super into another option, and I did consider a couple of option. The one that was the most competitive was my North, which is quite similar to Hub twenty four. But by doing so, because your super has gone up and done pretty good, by doing the switch, it would mean that it would be a lot larger capital gains tax by selling the investments.\n\nAnd it just wasn't worth it when hub twenty four is very competitive as it is already. Yep. Yep. Perfect. Which then kind of takes us through the investment.\n\nSo that is page 15. Yep. Now as you can see here, the the previous structure, kind of like with Tyson, was a little bit different. You can see each and every single one of the investments, and we are moving that into the SMA. Now the SMA, it's just called Bloom.\n\nThat's just the option that aligns with your high growth portfolio. So within that investment option, you still have a range of different investments to diversify your portfolio. Everything, it's still very much there, but it just gives us that flexibility of swapping investments for you if something were to happen. And when we do you know, if you are happy to go ahead and make the change, when you actually go into Hub twenty four yourself, you will see then Oakview SMA Bloom, but you can actually click on it, and you can then drop down and see all the individual investments as well. So you still have that oversized.\n\nYep. Perfect. Does that still make sense so far? Yep. Perfect.\n\nThe next page, you will then see just the Merced investment for you. Not making any changes. Just keeping that one, which is just that default. Yeah. That one kinda follows more like the age the age group.\n\nSo then the older you get, they kind of then tend to slowly get more defensive, because you might be a little bit less tolerant to risk when you get closer to retirement. Yep. Perfect. Now not too much more to go, and I will let you go. But, basically, on the next page, you will see that risk profile.\n\nCan you see that little pie chart and table? Yep. So you can see the risk profile is around that ninety ten split, the growth to the defensive, your existing portfolio, and then the proposed. So it still aligns within that ninety ninety five to 10 to five to try and grow that for you. Yep.\n\nThe next page is where you see everything kind of broken down into all the fees and the returns. Can you see that okay? Yep. Perfect. So the good thing with making the change, even though we are swapping a lot of the investments out, by doing so, the only capital gains that will be payable within super is about $88, which is pretty good.\n\nNow that that will be paid within super, so you obviously don't have to pay for it, but it will come out of your super investments when we make the change. Yep. It can vary a little bit as well because the rates and stuff do fluctuate on a daily, but it will be around that $88, which which is pretty good. Yep. Now, otherwise, there's no major changes.\n\nThe fee like, our adviser fee stays the same. Contributions are changing, like I said, to Mercer. And the reason why it is a little bit more as well is because of that salary sacrifice for you. Yep. Obviously, your insurances are not changing.\n\nThe good thing as well, though, is that if you look on the investment fee at row and also the administration fee row, by actually making the change. The investments in the SMA are quite a bit cheaper than those in your current portfolio, which is good. And it's also making because the SMA is available on there are kind of like a cheaper platform in Hub 24. It gives you access to a little bit cheaper discount on administration fees as well, which is also reducing the fees, which is nice. Yeah.\n\nSo you can see the total cost saving is around 986, which does make a pretty big difference when you are compounding things. Yeah. And aside from that, the the good thing as well is that the recommended portfolio in hub twenty fours and moving into the SMA, when we are looking at a historical five year rolling average, it has done better than your current portfolio as well, which is good. Can you say that okay? Yep.\n\nYep. Perfect. Now on the next page, you can then see where we have kind of projected everything forward for you for five and ten years just to see roughly where things will be at if things kind of stays the same. So you can kind of see the difference that in, you know, about the ten years, it still makes a difference of about 50,000 just by making those changes, saving a bit of investment fees, improving the returns a little bit, and then just doing that $20 per week extra contribution. Yep.\n\nPerfect. Now underneath that, you can then also see the difference between the current and the recommended portfolio. But you can see that if we are looking more kind of further back in time, your current portfolio was doing really good, and that was why it was kind of recommended and put in place. But more recently, they are starting to to decline. And the biggest thing was that Benelon one I mentioned last time as well.\n\nSo if we were to leave everything the way that they are, we do think that for the next year or so, it would kind of continue to go down a little bit. But we do wanna stop that out of it. Yeah. Yep. Any questions so far?\n\nNo. Perfect. Now the other thing is that showing you a little bit about the salary sacrifice. Now this can look a little bit messy, but, basically, by doing $20 per week, it's obviously pretax, which is what's really good. And contributions going in through superannuation is only taxed at 15%, which is lower than your marginal tax rate.\n\nSo the good thing is that you are continue through adding and boosting your superannuation, which will compound and invest. But on the flip side, you are also saving a little bit in tax, which is nice. Yeah. So this, like I said, can look a bit messy, but it shows you basically your salary. It shows you the salary sacrifice.\n\nIt shows you a yearly, the taxable income, the tax you will pay on the taxable income, and then the net income, the after tax for you. And then underneath it, it shows your contribution. So your employer contribution, so what your employer pays, the salary sacrifice, the tax on the contributions, and then the total net contribution. Does that make sense as well? Yep.\n\nGreat. Perfect. Now on the next couple of pages, I'll let you have a read over that in your own time. It's kind of what we've gone through as well. The, you know, the big advantage by making contributions is you are contributing through your retirement, boosting superannuation.\n\nThe money is also invested, so they obviously grow a bit quicker than if they just sit in on a savings account. You also save in, obviously, that tax, which is nice. The disadvantage is that because you are making it into superannuation, it will stay locked in until you meet a condition of release. For example, turning 60 and retiring. Yep.\n\nOtherwise, one of the risk is as well that there's always, you know, a a risk that legislation could change. But now the rule is that you can access it for at 60 when you stop when you retire, but that could obviously change in the future. We don't obviously know what they are potentially going to change. Yeah. Unfortunately.\n\nOh, same. Basically, at the end, it just shows that legal personal representative we touched on in the beginning for the beneficiary, and that is just so you can then nominate exactly who you want. Yeah. Again, it's just a little bit of information for you in regards to the legal personal representative, which is kind of what we touched on in the beginning as well that gives you the peace of mind. But, obviously, your state will be divided after you wish it, and you can then nominate whoever you want.\n\nYep. Now lastly, you will see our ongoing services. So as you would know, we would we obviously do your annual review every twelve months. If you want more frequent catch ups, we can most definitely do so. If there is anything you need in the meantime, though, you could always give us a call or send us an email whenever you want to.\n\nIf there are other areas that you want to discuss and advance advice on as well, it again, it is part of that ongoing advice fee. Yep. Which is just highlighted again on page 27 for you. Just showing you that there's no changes whatsoever through the fee. It stays the same at 1.65.\n\nSo if you're happy and you would like to go ahead with this change, there's no additional charges or anything like that to implement everything. It is all part of that ongoing service. Yep. And then it just basically outlines the authority to proceed. So that is if you're happy to go ahead with the change, what we are looking to do, which is obviously switching over the hub 24 to the SMA.\n\nWe wanna change your contributions to. We will send you the details as well so you can start making the salary sacrifice or if you're happy to speak to your employer, whichever is the easiest for you. And then you already have those forms with the beneficiaries, which is good. So we'll keep an eye on on those and then get that uploaded to make sure that's all updated for you. Perfect.\n\nNow that was basically everything that I needed to go through on my end. So do you have any other questions, or what are your thoughts with everything? Yeah. Yeah. Yeah.\n\nOh, that's good. Yeah. So, basically, from here, the the process is that if you want to go ahead and make the change, we will just need you to press sign in that link. It will then come through to me, and I will get the let the team know, and we can then start implementing that. But like I said, obviously, if you are at work and you want to take a bit of time to read over it as well, that is no problem at all either.\n\nYeah. Perfect. So if you don't have any other questions for me, I will let you go so you can finish up at work and then head home. But if there is anything else that you do need or any other questions, just let me know. Otherwise, I'll kind of keep a look at to see if that comes through, if you wanna implement it, or what your thoughts are.\n\nYep. No problem at all. I hope you enjoy the rest of your day, and thank you so much for your time today. No problem. We'll speak soon.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":10.639999,"end":11.38,"sentiment":"neutral","sentiment_score":0.302300363779068},{"text":"This is Veronica from Oakview Financial.","start":11.44,"end":13.46,"sentiment":"neutral","sentiment_score":0.21794469157854715},{"text":"How are you?","start":13.5199995,"end":14.34,"sentiment":"neutral","sentiment_score":0.18013053635756174},{"text":"I'm good.","start":16.505001,"end":17.385,"sentiment":"positive","sentiment_score":0.600976973772049},{"text":"Thanks.","start":17.385,"end":17.885,"sentiment":"positive","sentiment_score":0.7105586528778076}],"sentiment":"neutral","sentiment_score":0.31179807760885786,"num_words":14,"start":10.639999,"end":17.885},{"sentences":[{"text":"I had you booked in to go over your strategy recommendation.","start":18.744999,"end":22.205,"sentiment":"neutral","sentiment_score":0.3322481702674519},{"text":"Is now still a good time?","start":22.505001,"end":23.805,"sentiment":"neutral","sentiment_score":0.20421665906906128},{"text":"Yep.","start":25.305,"end":25.805,"sentiment":"neutral","sentiment_score":0.22253894805908203},{"text":"Perfect.","start":25.945,"end":26.445,"sentiment":"positive","sentiment_score":0.3848332166671753},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay?","start":26.94,"end":34.48,"sentiment":"neutral","sentiment_score":0.0452099559379035}],"sentiment":"neutral","sentiment_score":0.1416352232142041,"num_words":48,"start":18.744999,"end":34.48},{"sentences":[{"text":"Yep.","start":35.9,"end":36.4,"sentiment":"neutral","sentiment_score":0.03195702284574509},{"text":"And just to confirm I am speaking with the right person, would you be able just to confirm your full name, date of birth, and address for me, please?","start":36.54,"end":44.364998,"sentiment":"neutral","sentiment_score":0.02735258131448565},{"text":"Great.","start":51.4,"end":51.72,"sentiment":"positive","sentiment_score":0.5913563966751099},{"text":"Perfect.","start":51.72,"end":52.2,"sentiment":"positive","sentiment_score":0.6459407806396484},{"text":"That's exactly what I have here.","start":52.2,"end":53.72,"sentiment":"positive","sentiment_score":0.6230365435282389}],"sentiment":"neutral","sentiment_score":0.15264995577500054,"num_words":38,"start":35.9,"end":53.72},{"sentences":[{"text":"And how's your day been so far?","start":53.72,"end":55.32,"sentiment":"neutral","sentiment_score":0.15919881526912963},{"text":"Been busy?","start":55.32,"end":55.980003,"sentiment":"neutral","sentiment_score":-0.02963890414685011},{"text":"Yeah.","start":57.24,"end":57.74,"sentiment":"neutral","sentiment_score":0.04518894851207733},{"text":"Almost at the end, though, or do you got a bit more to go?","start":57.800003,"end":60.940002,"sentiment":"neutral","sentiment_score":0.0028409866083945546},{"text":"Beautiful.","start":64.275,"end":64.775,"sentiment":"positive","sentiment_score":0.4682175815105438}],"sentiment":"neutral","sentiment_score":0.06433176964521409,"num_words":25,"start":53.72,"end":64.775},{"sentences":[{"text":"Oh, that's nice.","start":65.715,"end":66.695,"sentiment":"positive","sentiment_score":0.3496890366077423},{"text":"Now I'm just about to send you the documents to run through quickly.","start":67.395,"end":72.455,"sentiment":"neutral","sentiment_score":0.12743145800553835},{"text":"Do you have access to your emails at the moment or not really right now?","start":72.994995,"end":77.735,"sentiment":"neutral","sentiment_score":0.0017291163404782614},{"text":"Mhmm.","start":78.59,"end":79.09,"sentiment":"neutral","sentiment_score":0.0020007085986435413},{"text":"I think if you can forward, it just has to match what's in just for your super form.","start":89.229996,"end":96.225,"sentiment":"neutral","sentiment_score":0.04418517628477679}],"sentiment":"neutral","sentiment_score":0.0705789338145405,"num_words":50,"start":65.715,"end":96.225},{"sentences":[{"text":"So whatever is listed in hub 24, if it's signed, it just has to match.","start":96.225,"end":101.185,"sentiment":"neutral","sentiment_score":0.05955822492639224},{"text":"Otherwise, it won't verify that it's the same person.","start":101.185,"end":103.825,"sentiment":"neutral","sentiment_score":-0.015925874105758138},{"text":"That's the only reason.","start":103.825,"end":105.045,"sentiment":"neutral","sentiment_score":0.04607665538787842},{"text":"Okay.","start":109.19,"end":109.67,"sentiment":"neutral","sentiment_score":0.2512533962726593},{"text":"Perfect.","start":109.67,"end":110.17,"sentiment":"positive","sentiment_score":0.44022560119628906}],"sentiment":"neutral","sentiment_score":0.05419420419881741,"num_words":30,"start":96.225,"end":110.17},{"sentences":[{"text":"So that's just on its way.","start":110.31,"end":112.17,"sentiment":"positive","sentiment_score":0.3985616813103358},{"text":"So it should come through shortly.","start":112.79,"end":114.41,"sentiment":"neutral","sentiment_score":0.30222934174040955},{"text":"Technology has been a little bit slow this morning, but, hopefully, that comes through.","start":114.79,"end":119.85,"sentiment":"neutral","sentiment_score":-0.08852949578847204},{"text":"But while I wait for that to come through, do you want to kind of go through the beneficiary forms and stuff first?","start":119.91,"end":125.865,"sentiment":"neutral","sentiment_score":-0.0039075261548809385},{"text":"Yeah.","start":127.845,"end":128.345,"sentiment":"neutral","sentiment_score":0.02079591527581215}],"sentiment":"neutral","sentiment_score":0.05792512021958828,"num_words":50,"start":110.31,"end":128.345},{"sentences":[{"text":"So yeah.","start":128.405,"end":130.345,"sentiment":"neutral","sentiment_score":0.0019160471856594086},{"text":"Yep.","start":133.045,"end":133.545,"sentiment":"neutral","sentiment_score":0.009963639080524445},{"text":"Yeah.","start":136.02,"end":136.52,"sentiment":"neutral","sentiment_score":-0.08169152587652206},{"text":"Yep.","start":138.66,"end":139.16,"sentiment":"neutral","sentiment_score":-0.0825970470905304},{"text":"Yes and no.","start":147.63501,"end":148.77501,"sentiment":"neutral","sentiment_score":-0.08831653247276942}],"sentiment":"neutral","sentiment_score":-0.05193030461668968,"num_words":8,"start":128.405,"end":148.77501},{"sentences":[{"text":"Yes.","start":148.835,"end":149.315,"sentiment":"neutral","sentiment_score":-0.053529080003499985},{"text":"You can't nominate friends directly through Super.","start":149.315,"end":153.335,"sentiment":"neutral","sentiment_score":-0.10027954248445374},{"text":"So it has to be like a spouse or a a child or someone that is financially dependent in order to nominate it directly through Cooper.","start":153.875,"end":164.7,"sentiment":"neutral","sentiment_score":0.0010498760697933345},{"text":"You can still nominate friends and family, like, extended family.","start":165.16,"end":170.54,"sentiment":"neutral","sentiment_score":0.1731867127120495},{"text":"You can nominate charities and stuff like that.","start":170.6,"end":174.06499,"sentiment":"neutral","sentiment_score":0.21020718291401863}],"sentiment":"neutral","sentiment_score":0.05164106713178066,"num_words":52,"start":148.835,"end":174.06499},{"sentences":[{"text":"You can nominate kind of anyone that's living, but you would have to do it through the will.","start":174.06499,"end":179.36499,"sentiment":"neutral","sentiment_score":0.07140027234951656},{"text":"So on the excuse me.","start":179.905,"end":182.305,"sentiment":"neutral","sentiment_score":0.0620934784412384},{"text":"On the form, you would complete it as a 100% through the legal personal representative, which is one of the options.","start":182.305,"end":190.56,"sentiment":"neutral","sentiment_score":0.1095178434181781},{"text":"Now that basically says that if something were to happen to you, your super and insurances would reverse to your will.","start":191.34,"end":200.23999,"sentiment":"neutral","sentiment_score":0.07643746300822213},{"text":"And then in the will, you will then stipulate how you want everything distributed.","start":200.655,"end":205.155,"sentiment":"neutral","sentiment_score":0.1115881007696901}],"sentiment":"neutral","sentiment_score":0.08940464734465262,"num_words":79,"start":174.06499,"end":205.155},{"sentences":[{"text":"The way the reason you have to do it that way is because super insurance does not form part of an estate asset.","start":206.015,"end":211.795,"sentiment":"neutral","sentiment_score":0.015953632476537125},{"text":"So if something were to happen, it doesn't automatically form part of the estate.","start":212.09499,"end":216.11499,"sentiment":"neutral","sentiment_score":-0.05963264139635222},{"text":"Now if it is a reason where there is not a valid nomination, then it can revert back through the estate anyway, but it is ultimately up to the trustee.","start":216.75,"end":226.77,"sentiment":"neutral","sentiment_score":-0.026254495481650035},{"text":"So to make sure it goes to who you want to, which is perfectly fine to have friends.","start":227.55,"end":232.285,"sentiment":"neutral","sentiment_score":0.2962739360001352},{"text":"We have a lot of people who have friends or nephews and nieces or anything like that.","start":232.285,"end":237.185,"sentiment":"neutral","sentiment_score":0.1964573842637679}],"sentiment":"neutral","sentiment_score":0.07271713807302363,"num_words":102,"start":206.015,"end":237.185},{"sentences":[{"text":"You would just have to complete the form as a 100% to the legal personal representative, and then you will have to get a will and nominate it through that way.","start":237.325,"end":248.96,"sentiment":"neutral","sentiment_score":0.2550394337984823},{"text":"Does that make sense?","start":250.46,"end":251.68001,"sentiment":"neutral","sentiment_score":0.20481020957231522},{"text":"Yeah.","start":253.5,"end":254.0,"sentiment":"neutral","sentiment_score":0.03810491785407066},{"text":"So it is a little bit more convoluted, but you still can give it to them.","start":254.38,"end":258.48,"sentiment":"neutral","sentiment_score":-0.01738812937401235},{"text":"Yep.","start":260.585,"end":261.085,"sentiment":"neutral","sentiment_score":0.10573136806488036}],"sentiment":"neutral","sentiment_score":0.16209602833918804,"num_words":53,"start":237.325,"end":261.085},{"sentences":[{"text":"Now you can obviously you still have a will in place, don't you?","start":261.865,"end":267.965,"sentiment":"neutral","sentiment_score":0.040903229552965895},{"text":"Yeah.","start":268.185,"end":268.685,"sentiment":"neutral","sentiment_score":0.06742733716964722},{"text":"So it might be easier to did you get it through a lawyer, or did you just do it yourself?","start":269.465,"end":273.88498,"sentiment":"neutral","sentiment_score":0.07320847352966667},{"text":"Okay.","start":277.77002,"end":278.17,"sentiment":"neutral","sentiment_score":0.21401862800121307},{"text":"Oh, well, that's good.","start":278.17,"end":279.05002,"sentiment":"positive","sentiment_score":0.5794768109917641}],"sentiment":"neutral","sentiment_score":0.11782729907486683,"num_words":39,"start":261.865,"end":279.05002},{"sentences":[{"text":"It makes it a bit easier too.","start":279.05002,"end":280.41,"sentiment":"positive","sentiment_score":0.7160528302192688},{"text":"So I would just say just obviously let them know, and then you can, yeah, nominate however you want.","start":280.41,"end":286.17,"sentiment":"positive","sentiment_score":0.46465906187107686},{"text":"And the good thing with the will as well that it gives you more flexibility that you can do, you know, I would like this to go to this person first or something would happen then this person and stuff like that.","start":286.17,"end":296.565,"sentiment":"positive","sentiment_score":0.4572918095758983},{"text":"Whereas with the the beneficiary forms, you just nominate one person.","start":296.565,"end":300.26498,"sentiment":"neutral","sentiment_score":0.19293214245276016},{"text":"And then if you don't update it and that person is no longer around, then that would just classify it as not having a valid nomination, if that makes sense.","start":300.72498,"end":308.7,"sentiment":"neutral","sentiment_score":0.09292044478158155}],"sentiment":"positive","sentiment_score":0.3482294944926686,"num_words":109,"start":279.05002,"end":308.7},{"sentences":[{"text":"Mhmm.","start":311.08,"end":311.58,"sentiment":"neutral","sentiment_score":0.10280373692512512},{"text":"Correct.","start":317.415,"end":317.915,"sentiment":"neutral","sentiment_score":0.15048441290855408},{"text":"That is exactly right.","start":318.135,"end":319.415,"sentiment":"neutral","sentiment_score":0.2032945416867733},{"text":"Yes.","start":319.415,"end":319.915,"sentiment":"neutral","sentiment_score":0.1316763013601303},{"text":"Did you have any questions with the other options as well?","start":321.095,"end":323.655,"sentiment":"neutral","sentiment_score":0.0499920802698894}],"sentiment":"neutral","sentiment_score":0.09711419449498256,"num_words":18,"start":311.08,"end":323.655},{"sentences":[{"text":"Because sometimes they can be confusing if you wanna have the binding or the non lapsing and stuff, or did that make sense?","start":323.655,"end":329.55,"sentiment":"neutral","sentiment_score":-0.006999167775654275},{"text":"Yeah.","start":334.27,"end":334.77,"sentiment":"neutral","sentiment_score":0.11910976469516754},{"text":"Yeah.","start":336.50998,"end":336.90997,"sentiment":"neutral","sentiment_score":0.1483096480369568},{"text":"Sorry.","start":336.90997,"end":337.40997,"sentiment":"neutral","sentiment_score":0.07700367271900177},{"text":"The lapsing means that it expires every three years.","start":337.55,"end":341.72998,"sentiment":"neutral","sentiment_score":0.04531474121742778}],"sentiment":"neutral","sentiment_score":0.016893568501940796,"num_words":35,"start":323.655,"end":341.72998},{"sentences":[{"text":"So that means that you have to complete the form every three years.","start":342.01498,"end":345.07498,"sentiment":"neutral","sentiment_score":0.06579695269465446},{"text":"Non lapsing means that it stays in place until you decide to change it.","start":345.375,"end":349.79498,"sentiment":"neutral","sentiment_score":0.06456144526600838},{"text":"So a lot of people for convenience prefer to have the non lapsing, so you don't have to worry about it.","start":350.175,"end":355.84003,"sentiment":"neutral","sentiment_score":0.33205837437084745},{"text":"Especially with the will, it's a bit easier.","start":355.84003,"end":357.86002,"sentiment":"positive","sentiment_score":0.43282268941402435},{"text":"The only downside is that, obviously, if your situation change and you don't update it, just something to be mindful of.","start":358.64,"end":365.78,"sentiment":"negative","sentiment_score":-0.4019235053232738}],"sentiment":"neutral","sentiment_score":0.04876148550734891,"num_words":77,"start":342.01498,"end":365.78},{"sentences":[{"text":"Yep.","start":367.12003,"end":367.425,"sentiment":"neutral","sentiment_score":0.04832816123962402},{"text":"And then binding and nonbinding, it is a little bit more self explanatory, but binding means that, basically, the trustee has to follow your wishes, whereas nonbinding means that you say that this is what you want to have happen.","start":367.66498,"end":380.645,"sentiment":"neutral","sentiment_score":-0.03120546620339155},{"text":"But then it's ultimately up to the trustee to decide what they think or if they think there's someone else that would be better suited for it that can make a claim.","start":380.87,"end":388.41,"sentiment":"neutral","sentiment_score":-0.1122065510135144},{"text":"So binding gives you more certainty.","start":388.55002,"end":390.89,"sentiment":"neutral","sentiment_score":0.12816978245973587},{"text":"Yeah.","start":392.805,"end":393.305,"sentiment":"neutral","sentiment_score":0.04114161059260368}],"sentiment":"neutral","sentiment_score":-0.0497542476747185,"num_words":80,"start":367.12003,"end":393.305},{"sentences":[{"text":"Yeah.","start":396.725,"end":397.225,"sentiment":"neutral","sentiment_score":-0.01533469557762146},{"text":"It's very and the even just the terminology is very different.","start":399.845,"end":407.11,"sentiment":"neutral","sentiment_score":-0.06612862494181503},{"text":"So, yeah, you'd think you'd think you'd be but, no, it's very different.","start":408.45,"end":412.29,"sentiment":"neutral","sentiment_score":-0.1208282528588405},{"text":"And the rules are really different and stuff like that as well.","start":412.29,"end":414.69,"sentiment":"neutral","sentiment_score":-0.18115837002793947},{"text":"And if you're not in the super environment, then it's different.","start":414.69,"end":418.21,"sentiment":"neutral","sentiment_score":-0.19637709991498428}],"sentiment":"neutral","sentiment_score":-0.13849094576047113,"num_words":48,"start":396.725,"end":418.21},{"sentences":[{"text":"Whereas for me, we are more across, obviously, everything with super insurances.","start":418.21,"end":421.535,"sentiment":"neutral","sentiment_score":-0.07924485206604004},{"text":"But if you were to talk to me about personal injury, then I wouldn't I wouldn't know.","start":421.83502,"end":425.695,"sentiment":"neutral","sentiment_score":-0.10069239643566749},{"text":"Yeah.","start":433.69,"end":434.19,"sentiment":"neutral","sentiment_score":-0.007506504654884338},{"text":"Yes.","start":442.33,"end":442.83,"sentiment":"neutral","sentiment_score":-0.04396382719278336},{"text":"Yes.","start":445.085,"end":445.585,"sentiment":"neutral","sentiment_score":-0.02500798925757408}],"sentiment":"neutral","sentiment_score":-0.08559960266575217,"num_words":32,"start":418.21,"end":445.585},{"sentences":[{"text":"Exactly.","start":445.805,"end":446.305,"sentiment":"neutral","sentiment_score":0.037785641849040985},{"text":"But yeah.","start":448.125,"end":448.525,"sentiment":"neutral","sentiment_score":0.02520984783768654},{"text":"So that's the forms anyway.","start":448.525,"end":449.965,"sentiment":"neutral","sentiment_score":0.02325153574347496},{"text":"So, obviously, they have to be signed and witnessed because you are making a legal nomination.","start":449.965,"end":455.98502,"sentiment":"neutral","sentiment_score":-0.025892662815749645},{"text":"Then you can either just send it back to us via email if you have access to a scanner, or you can obviously post it back, whatever is easiest for you, and then we'll get that uploaded and sorted.","start":457.29,"end":468.11002,"sentiment":"neutral","sentiment_score":0.08559073870762801}],"sentiment":"neutral","sentiment_score":0.04965427334582995,"num_words":63,"start":445.805,"end":468.11002},{"sentences":[{"text":"Yep.","start":469.54498,"end":469.94498,"sentiment":"positive","sentiment_score":0.4122657775878906},{"text":"Perfect.","start":469.94498,"end":470.44498,"sentiment":"positive","sentiment_score":0.6569035053253174},{"text":"Does that answer those questions for you?","start":470.66498,"end":472.76498,"sentiment":"neutral","sentiment_score":0.2899850755929947},{"text":"Yep.","start":473.065,"end":473.565,"sentiment":"positive","sentiment_score":0.39485639333724976},{"text":"Yeah.","start":474.025,"end":474.525,"sentiment":"neutral","sentiment_score":0.03539148345589638}],"sentiment":"neutral","sentiment_score":0.3208466080779379,"num_words":11,"start":469.54498,"end":474.525},{"sentences":[{"text":"Yeah.","start":477.625,"end":478.125,"sentiment":"neutral","sentiment_score":-0.09325547516345978},{"text":"It says it's been sent on my end.","start":478.185,"end":481.145,"sentiment":"neutral","sentiment_score":-0.10621553286910057},{"text":"Now sometimes it does end up in the spam folder as well.","start":481.145,"end":485.66998,"sentiment":"neutral","sentiment_score":-0.13846099268024167},{"text":"Yeah.","start":485.88998,"end":486.38998,"sentiment":"neutral","sentiment_score":0.006363688036799431},{"text":"But let me just see.","start":489.09,"end":490.38998,"sentiment":"neutral","sentiment_score":-0.01887950524687767}],"sentiment":"neutral","sentiment_score":-0.09972390698062049,"num_words":27,"start":477.625,"end":490.38998},{"sentences":[{"text":"Yeah.","start":490.77,"end":491.27,"sentiment":"neutral","sentiment_score":0.003613854758441448},{"text":"Sometimes it does, yeah, it does take a a little bit.","start":493.09,"end":496.77,"sentiment":"neutral","sentiment_score":-0.06332538412375883},{"text":"So yeah?","start":496.77,"end":500.66498,"sentiment":"neutral","sentiment_score":0.02452133595943451},{"text":"Okay.","start":500.805,"end":501.305,"sentiment":"neutral","sentiment_score":0.08363769948482513},{"text":"It probably will come through by the time like, while it goes through it.","start":506.88498,"end":510.63,"sentiment":"neutral","sentiment_score":0.052609988887395175}],"sentiment":"neutral","sentiment_score":0.006077753283597272,"num_words":29,"start":490.77,"end":510.63},{"sentences":[{"text":"The first couple of things are more just kind of housekeeping and stuff like that anyway.","start":510.71,"end":514.65,"sentiment":"neutral","sentiment_score":-0.050974209792912006},{"text":"So let me know when it does come through, though, and I'll let you know kind of where we're up to.","start":515.75,"end":520.97003,"sentiment":"neutral","sentiment_score":0.0803283348324753},{"text":"Yep.","start":522.63,"end":523.065,"sentiment":"neutral","sentiment_score":0.09871360659599304},{"text":"Now, otherwise, when it does come through, you will see that you have if you click on the link, it will get you to sign the documents, but that's when you can actually access and view the statement of advice first.","start":524.185,"end":537.245,"sentiment":"neutral","sentiment_score":0.0892841855018604},{"text":"Now aside from that, you'll have a couple of attachments, and they are just kind of supporting documents that goes with it.","start":537.625,"end":544.29,"sentiment":"neutral","sentiment_score":0.07718599672344598}],"sentiment":"neutral","sentiment_score":0.06266103777112347,"num_words":101,"start":510.71,"end":544.29},{"sentences":[{"text":"So all the research that goes into it, but then also all the product disclosure statements on, like, changes in the investment and the SMA and stuff like that for you as well.","start":544.29,"end":553.815,"sentiment":"neutral","sentiment_score":0.09692831653537172},{"text":"Yeah.","start":555.09503,"end":555.59503,"sentiment":"neutral","sentiment_score":0.1558144986629486},{"text":"Otherwise, the statement of advice is valid for sixty days from when it was prepared.","start":556.455,"end":562.235,"sentiment":"neutral","sentiment_score":0.11717923302203417},{"text":"So you do have a little bit of time if you do wanna think about it and decide what you want to do.","start":563.015,"end":567.915,"sentiment":"neutral","sentiment_score":0.21834602563277536},{"text":"Just let me know if you need more time because I'll just have to go and update everything to make sure it's still up to date.","start":568.2,"end":573.96,"sentiment":"neutral","sentiment_score":0.16573474355615103}],"sentiment":"neutral","sentiment_score":0.14737958532320905,"num_words":98,"start":544.29,"end":573.96},{"sentences":[{"text":"But, otherwise, you do have a bit of a time to read over as well.","start":573.96,"end":577.02,"sentiment":"neutral","sentiment_score":0.18330724040667215},{"text":"Now you will see on the cover page as well, you will see my details, so you will see my authorized representative number listed there.","start":579.56,"end":586.72504,"sentiment":"neutral","sentiment_score":0.18152302086353303},{"text":"And I am licensed, obviously, under OQ Financial, and then you have all our contact details and ABN details and everything like that on that cover page for you.","start":586.78503,"end":594.96,"sentiment":"neutral","sentiment_score":0.148698716841895},{"text":"On the next page, it just outlines that best interest duty for you again, which is just to say that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice.","start":596.64,"end":611.475,"sentiment":"neutral","sentiment_score":0.07779910499039962},{"text":"Otherwise, we can't actually make the recommendation.","start":611.69495,"end":613.95496,"sentiment":"neutral","sentiment_score":-0.26585335390908377}],"sentiment":"neutral","sentiment_score":0.10840903666615487,"num_words":125,"start":573.96,"end":613.95496},{"sentences":[{"text":"Does that make sense?","start":615.295,"end":616.355,"sentiment":"neutral","sentiment_score":-0.04480551276355982},{"text":"Yep.","start":617.13495,"end":617.535,"sentiment":"neutral","sentiment_score":0.24114525318145752},{"text":"Perfect.","start":617.535,"end":618.035,"sentiment":"positive","sentiment_score":0.6991597414016724},{"text":"Now you'll have table of content, pretty self explanatory.","start":619.615,"end":623.06,"sentiment":"positive","sentiment_score":0.42679650253719753},{"text":"You have a couple of pages outlining scope of advice, which essentially is just the area that we are focusing on today.","start":623.52,"end":631.54,"sentiment":"positive","sentiment_score":0.37728833610361273}],"sentiment":"positive","sentiment_score":0.3487187800173824,"num_words":37,"start":615.295,"end":631.54},{"sentences":[{"text":"And mainly today, we are looking at your superannuation, making sure that continues to grow so that you can retire comfortably and not have that financial stress, and just review the option of moving into that SMA and potentially changing some of those investments to make sure it's growing a little bit better for you.","start":632.0,"end":651.78,"sentiment":"positive","sentiment_score":0.3729259723966772},{"text":"Yep.","start":654.26,"end":654.76,"sentiment":"neutral","sentiment_score":0.2381855696439743},{"text":"Otherwise, we're not making any changes to your insurances or anything like that.","start":655.54004,"end":660.42004,"sentiment":"neutral","sentiment_score":-0.022906937851355627},{"text":"It is just simply those investments in superannuation.","start":660.42004,"end":663.88,"sentiment":"neutral","sentiment_score":0.2723465133458376},{"text":"So nice and easy today.","start":664.18005,"end":665.56006,"sentiment":"positive","sentiment_score":0.7679820418357849}],"sentiment":"neutral","sentiment_score":0.3228049533577954,"num_words":82,"start":632.0,"end":665.56006},{"sentences":[{"text":"You will also have a couple of pages.","start":668.275,"end":671.155,"sentiment":"neutral","sentiment_score":0.31177148409187794},{"text":"You will see a section about you, just some personal information.","start":671.155,"end":675.09503,"sentiment":"neutral","sentiment_score":0.23957542262294076},{"text":"So when you have a moment or when it comes through, just have a read over it just to make sure that's all up to date or if we need to make any changes in the back end for you.","start":675.23505,"end":684.99005,"sentiment":"neutral","sentiment_score":0.20904872433748095},{"text":"And then, also, you will have a page outlining, like, your assets and liabilities and stuff like that as well.","start":685.45,"end":692.565,"sentiment":"neutral","sentiment_score":0.11367050819098949},{"text":"Has that still not come through yet?","start":693.84503,"end":695.785,"sentiment":"neutral","sentiment_score":-0.08088417244809014}],"sentiment":"neutral","sentiment_score":0.17672873781127638,"num_words":86,"start":668.275,"end":695.785},{"sentences":[{"text":"No?","start":696.565,"end":697.065,"sentiment":"neutral","sentiment_score":-0.2577110230922699},{"text":"Okay.","start":699.765,"end":700.265,"sentiment":"neutral","sentiment_score":-0.05097849667072296},{"text":"I might otherwise yeah.","start":701.765,"end":704.105,"sentiment":"neutral","sentiment_score":-0.05203477153554559},{"text":"Oh, that might be it.","start":705.12,"end":707.14,"sentiment":"neutral","sentiment_score":0.02902332991361618},{"text":"Yes.","start":708.4,"end":708.9,"sentiment":"neutral","sentiment_score":0.04636340215802193}],"sentiment":"neutral","sentiment_score":-0.027112379514922697,"num_words":12,"start":696.565,"end":708.9},{"sentences":[{"text":"Yes.","start":709.52,"end":709.92,"sentiment":"neutral","sentiment_score":0.054940611124038696},{"text":"That's the one.","start":709.92,"end":710.9,"sentiment":"neutral","sentiment_score":0.05811477949221929},{"text":"Yes.","start":712.16,"end":712.56,"sentiment":"neutral","sentiment_score":0.05810513347387314},{"text":"That's my colleague.","start":712.56,"end":713.54,"sentiment":"neutral","sentiment_score":0.06622764716545741},{"text":"Oh, there we go.","start":716.72,"end":717.77997,"sentiment":"neutral","sentiment_score":0.0806356817483902}],"sentiment":"neutral","sentiment_score":0.06738464596370856,"num_words":12,"start":709.52,"end":717.77997},{"sentences":[{"text":"Yeah.","start":725.185,"end":725.685,"sentiment":"neutral","sentiment_score":0.15840068459510803},{"text":"So if you click on that link, it will actually allow you to view the whole document before it prompts you to sign just to make sure you're obviously happy with everything.","start":726.625,"end":736.05,"sentiment":"neutral","sentiment_score":0.30801469273865223},{"text":"And then let me know if that opens up and you can see, like, the cover page is a photo of the Gold Coast and your details.","start":737.95,"end":745.57,"sentiment":"neutral","sentiment_score":0.16786994950638878},{"text":"Yeah.","start":759.29004,"end":759.77,"sentiment":"neutral","sentiment_score":0.2251121401786804},{"text":"Perfect.","start":759.77,"end":760.27,"sentiment":"positive","sentiment_score":0.4681311845779419}],"sentiment":"neutral","sentiment_score":0.24581617441388867,"num_words":62,"start":725.185,"end":760.27},{"sentences":[{"text":"Yep.","start":761.77,"end":762.27,"sentiment":"neutral","sentiment_score":0.1462216675281525},{"text":"Yep.","start":762.65,"end":763.15,"sentiment":"neutral","sentiment_score":0.060386285185813904},{"text":"So if you just wanna kind of scroll through a little bit, you will see the next one.","start":763.29004,"end":768.09,"sentiment":"neutral","sentiment_score":0.07265880248612827},{"text":"Is that best interest duty I mentioned?","start":768.09,"end":769.95,"sentiment":"neutral","sentiment_score":0.07082907589418548},{"text":"Table of content.","start":771.085,"end":772.145,"sentiment":"neutral","sentiment_score":0.025119236359993618}],"sentiment":"neutral","sentiment_score":0.06952092126011848,"num_words":30,"start":761.77,"end":772.145},{"sentences":[{"text":"Yes.","start":772.765,"end":773.265,"sentiment":"neutral","sentiment_score":0.08305062353610992},{"text":"Scope of advice, which kind of those areas we are looking at today.","start":773.40497,"end":777.265,"sentiment":"neutral","sentiment_score":0.02731833406365835},{"text":"Limited consideration, which is just insurance just to show the impact it has on your superannuation, but we're not making any changes to it.","start":779.565,"end":789.41003,"sentiment":"neutral","sentiment_score":-0.12540069688111544},{"text":"Limited advice, you will see on page five.","start":789.41003,"end":792.47003,"sentiment":"neutral","sentiment_score":-0.07322141621261835},{"text":"That one also just shows you that I'm not a legal practitioner.","start":792.61005,"end":795.67004,"sentiment":"neutral","sentiment_score":-0.15466836281120777}],"sentiment":"neutral","sentiment_score":-0.0864348179692852,"num_words":58,"start":772.765,"end":795.67004},{"sentences":[{"text":"I can't give you legal advice.","start":795.73004,"end":797.35004,"sentiment":"neutral","sentiment_score":-0.24207628518342972},{"text":"Can obviously provide you guidance on how to structure things for super insurance purposes and and tax on that side of it.","start":797.725,"end":804.305,"sentiment":"neutral","sentiment_score":-0.04143472650850361},{"text":"But, obviously, I can't give you legal advice.","start":804.605,"end":806.865,"sentiment":"neutral","sentiment_score":-0.23402550630271435},{"text":"And then underneath that, you will see that little table where it says our advice to you.","start":808.445,"end":812.88,"sentiment":"neutral","sentiment_score":0.029160078286248094},{"text":"Yep.","start":813.92,"end":814.42,"sentiment":"neutral","sentiment_score":0.13190858066082}],"sentiment":"neutral","sentiment_score":-0.06682584876263584,"num_words":54,"start":795.73004,"end":814.42},{"sentences":[{"text":"So that is essentially the the strategy recommendation today.","start":814.8,"end":818.48,"sentiment":"neutral","sentiment_score":0.20895245008998448},{"text":"So I have recommended that you retain your hub twenty four, but change your underlying investments.","start":818.48,"end":824.74,"sentiment":"neutral","sentiment_score":0.2292476501315832},{"text":"Also, retain your Mercer super, but look to change the contribution into Mercer just to make sure we keep those insurances active.","start":825.795,"end":835.495,"sentiment":"neutral","sentiment_score":0.19652630727399478},{"text":"And then we'll kind of do rollovers from Mercer to Hub twenty four if appropriate to make sure that your super grows and that you have the most amount of money in the fund that's going to do the best for you.","start":835.955,"end":847.84,"sentiment":"positive","sentiment_score":0.3650013588014103},{"text":"Yep.","start":848.7,"end":849.2,"sentiment":"neutral","sentiment_score":0.17638199031352997}],"sentiment":"neutral","sentiment_score":0.2819839141435093,"num_words":90,"start":814.8,"end":849.2},{"sentences":[{"text":"Also looking at doing a bit of salary sacrifice as well.","start":849.9,"end":853.34,"sentiment":"neutral","sentiment_score":0.21446353061632675},{"text":"So looking at about $20 per week.","start":853.34,"end":855.705,"sentiment":"neutral","sentiment_score":0.15773906026567733},{"text":"And then I did include the information about the beneficiary nomination as well because, obviously, we did have that conversation last time.","start":856.025,"end":863.305,"sentiment":"neutral","sentiment_score":0.204315435141325},{"text":"So I have included just some general information in regards to beneficiary nomination and how to set it up and stuff like that for you as well.","start":863.305,"end":872.12,"sentiment":"neutral","sentiment_score":0.22572705149650574},{"text":"Yep.","start":873.14,"end":873.64,"sentiment":"neutral","sentiment_score":0.1205509603023529}],"sentiment":"neutral","sentiment_score":0.20843225268318372,"num_words":68,"start":849.9,"end":873.64},{"sentences":[{"text":"Now the next two pages is that personal information.","start":874.26,"end":877.0,"sentiment":"neutral","sentiment_score":0.058363833361201815},{"text":"If you could have a little read over that for me.","start":877.06,"end":879.48004,"sentiment":"neutral","sentiment_score":0.04532201384956187},{"text":"Yeah.","start":893.15497,"end":893.63495,"sentiment":"neutral","sentiment_score":-0.021298576146364212},{"text":"No.","start":893.63495,"end":894.13495,"sentiment":"neutral","sentiment_score":-0.057628847658634186},{"text":"Not anymore.","start":894.19495,"end":894.915,"sentiment":"neutral","sentiment_score":-0.060753053054213524}],"sentiment":"neutral","sentiment_score":0.03430763011177381,"num_words":24,"start":874.26,"end":894.915},{"sentences":[{"text":"We we have No.","start":894.915,"end":896.68,"sentiment":"neutral","sentiment_score":-0.05938422121107578},{"text":"Yes.","start":896.89996,"end":897.39996,"sentiment":"neutral","sentiment_score":-0.04428235441446304},{"text":"Yeah.","start":898.98,"end":899.48,"sentiment":"neutral","sentiment_score":-0.04597777873277664},{"text":"Yes.","start":901.06,"end":901.56,"sentiment":"neutral","sentiment_score":-0.024382198229432103},{"text":"No.","start":904.5,"end":905.0,"sentiment":"neutral","sentiment_score":-0.125484898686409}],"sentiment":"neutral","sentiment_score":-0.05970801436342299,"num_words":8,"start":894.915,"end":905.0},{"sentences":[{"text":"We we do have it on the record.","start":905.3,"end":907.54,"sentiment":"neutral","sentiment_score":-0.06900711078196764},{"text":"So if we needed to, you know, revisit insurances, but, obviously, because of the medical history and the time frame, they need to wait a bit longer before, like, other providers are willing to offer cover because of it.","start":907.54,"end":920.895,"sentiment":"neutral","sentiment_score":-0.11640806811360213},{"text":"But because you don't like you said, you are in remission now, you don't right now have any health issues, we just kind of put it as no, but we do have that information about your history as well.","start":920.895,"end":931.42,"sentiment":"neutral","sentiment_score":-0.13362672800819078},{"text":"Yeah.","start":931.42,"end":931.92,"sentiment":"neutral","sentiment_score":0.09313441812992096},{"text":"Yeah.","start":934.38,"end":934.88,"sentiment":"positive","sentiment_score":0.4022867679595947}],"sentiment":"neutral","sentiment_score":-0.11145446305586533,"num_words":88,"start":905.3,"end":934.88},{"sentences":[{"text":"Perfect.","start":936.22,"end":936.72,"sentiment":"positive","sentiment_score":0.6173944473266602},{"text":"And the next page as well, does that all look good?","start":936.77997,"end":939.6,"sentiment":"neutral","sentiment_score":0.26728231663053686},{"text":"Yep.","start":946.65497,"end":947.15497,"sentiment":"neutral","sentiment_score":0.06435196846723557},{"text":"Perfect.","start":948.495,"end":948.995,"sentiment":"positive","sentiment_score":0.4440376460552216},{"text":"You can see underneath that, you have your hub 24 and your Mercer super.","start":949.615,"end":953.795,"sentiment":"neutral","sentiment_score":0.15327600655811174}],"sentiment":"neutral","sentiment_score":0.22184834416423524,"num_words":28,"start":936.22,"end":953.795},{"sentences":[{"text":"You do have your life and total permanent disability within Mercer.","start":955.0,"end":959.18,"sentiment":"neutral","sentiment_score":0.06353657320141792},{"text":"So a 170,000, which is only costing $228 a year.","start":959.32,"end":965.33997,"sentiment":"neutral","sentiment_score":0.08811869323253632},{"text":"Yep.","start":969.495,"end":969.995,"sentiment":"neutral","sentiment_score":0.03705992177128792},{"text":"The next page for me is where it says your risk profile.","start":972.295,"end":976.295,"sentiment":"neutral","sentiment_score":0.0062943611604472},{"text":"Can you see that okay?","start":976.295,"end":977.435,"sentiment":"neutral","sentiment_score":0.014736705645918845}],"sentiment":"neutral","sentiment_score":0.045291410806851506,"num_words":39,"start":955.0,"end":977.435},{"sentences":[{"text":"Yeah.","start":978.87,"end":979.35004,"sentiment":"neutral","sentiment_score":0.04754794389009476},{"text":"Perfect.","start":979.35004,"end":979.85004,"sentiment":"neutral","sentiment_score":0.2983517050743103},{"text":"Now this is kind of when we went through those questions to see how you feel about fluctuations and market risk and what your goals are in regards to your superannuation.","start":980.71,"end":990.81,"sentiment":"neutral","sentiment_score":0.06673525213714569},{"text":"So it kind of came out as a high growth investor.","start":991.85504,"end":994.275,"sentiment":"neutral","sentiment_score":0.08412926542488011},{"text":"From a time frame point of view, it's definitely suitable because you do have quite a bit of time until retirement in order to kind of focus on growing your superannuation.","start":994.495,"end":1002.195,"sentiment":"neutral","sentiment_score":0.1562365127667304}],"sentiment":"neutral","sentiment_score":0.10911261707544327,"num_words":75,"start":978.87,"end":1002.195},{"sentences":[{"text":"So I'm not making any changes through the risk profile.","start":1003.53503,"end":1007.0,"sentiment":"neutral","sentiment_score":-0.11306390799582004},{"text":"It's just looking at moving into that estimate structure for you.","start":1007.13995,"end":1010.83997,"sentiment":"neutral","sentiment_score":-0.00733414427800612},{"text":"Yep.","start":1011.94,"end":1012.44,"sentiment":"neutral","sentiment_score":0.05637656897306442},{"text":"So you can kind of have a read over that again in your own time.","start":1013.86,"end":1016.33997,"sentiment":"neutral","sentiment_score":0.07818919743100802},{"text":"Just a little bit more information on your typical high growth portfolio.","start":1016.33997,"end":1019.8,"sentiment":"neutral","sentiment_score":0.060516140113274254}],"sentiment":"neutral","sentiment_score":0.015185582546555266,"num_words":49,"start":1003.53503,"end":1019.8},{"sentences":[{"text":"You'll see a little pie chart as well.","start":1019.86,"end":1022.445,"sentiment":"neutral","sentiment_score":0.07634575106203556},{"text":"But, typically, you have about ninety ten.","start":1022.445,"end":1025.025,"sentiment":"neutral","sentiment_score":0.04359205971871104},{"text":"So about 90 to 95 in your growth assets.","start":1025.325,"end":1029.265,"sentiment":"neutral","sentiment_score":0.06120088572303454},{"text":"So, like, Australian shares, the international shares, property, and commodities.","start":1029.725,"end":1033.985,"sentiment":"neutral","sentiment_score":0.06516441442072392},{"text":"And then you have about 10 to five in that defensive, like your cash, your gold, your fixed interest.","start":1034.49,"end":1039.87,"sentiment":"neutral","sentiment_score":0.06561826228311188}],"sentiment":"neutral","sentiment_score":0.06349263255888561,"num_words":53,"start":1019.86,"end":1039.87},{"sentences":[{"text":"Yep.","start":1041.37,"end":1041.87,"sentiment":"neutral","sentiment_score":0.062147658318281174},{"text":"The next page and it is quite wordy, and a lot of it is also to make sure that you fully understand everything.","start":1042.97,"end":1048.19,"sentiment":"neutral","sentiment_score":0.024041184487388186},{"text":"But on page 10, you'll basically see everything kind of broken down for you.","start":1049.0751,"end":1054.355,"sentiment":"neutral","sentiment_score":0.04067988906587873},{"text":"So I have recommended you retain Hub twenty four.","start":1054.355,"end":1057.155,"sentiment":"neutral","sentiment_score":0.1588129914469189},{"text":"Now I did do research on Hub twenty four just to make sure it's still the best super platform for you.","start":1057.155,"end":1062.74,"sentiment":"neutral","sentiment_score":0.18159964219445274}],"sentiment":"neutral","sentiment_score":0.09452239349347484,"num_words":68,"start":1041.37,"end":1062.74},{"sentences":[{"text":"Because there's always new products and features coming out, so it is good to kind of just reassess it every now and then to make sure it's the best option for you, and it still very much is.","start":1063.68,"end":1074.24,"sentiment":"positive","sentiment_score":0.4876617296647869},{"text":"It is very competitive with similar options that do have their flexibility with investment choices to try to build that portfolio.","start":1074.24,"end":1082.945,"sentiment":"positive","sentiment_score":0.4674888863450005},{"text":"But Hub 24 was a little bit cheaper, which is great, and still kind of gives you the same flexibility.","start":1083.005,"end":1088.1449,"sentiment":"positive","sentiment_score":0.48825023844838145},{"text":"And I use Hub 24 for my personal super as well.","start":1089.11,"end":1092.5701,"sentiment":"positive","sentiment_score":0.3973445269194516},{"text":"And I wouldn't be using it if I didn't think it was good, and I wouldn't tell you to use it either.","start":1092.79,"end":1096.89,"sentiment":"neutral","sentiment_score":0.03756561124993658}],"sentiment":"positive","sentiment_score":0.38670223529542064,"num_words":112,"start":1063.68,"end":1096.89},{"sentences":[{"text":"Yeah.","start":1097.91,"end":1098.41,"sentiment":"neutral","sentiment_score":0.10306212306022644},{"text":"Now we are obviously returning sorry, retaining that Merfa suit before you just for the purpose of keeping those insurances.","start":1100.0701,"end":1107.235,"sentiment":"neutral","sentiment_score":0.0769424894824624},{"text":"And to be safe, like I said, I have recommended that we redirect the contributions, that we will send you the form and stuff to make it nice and easy.","start":1108.335,"end":1116.2749,"sentiment":"neutral","sentiment_score":0.2039677361647288},{"text":"That is just because I don't want at any point in time those insurances lapse.","start":1116.47,"end":1120.71,"sentiment":"neutral","sentiment_score":0.0033277609463160237},{"text":"So while you have contributions going in through the fund, there is no there's no concern for it.","start":1120.71,"end":1127.1901,"sentiment":"neutral","sentiment_score":0.14090044506722027}],"sentiment":"neutral","sentiment_score":0.12317938598876242,"num_words":84,"start":1097.91,"end":1127.1901},{"sentences":[{"text":"Typically, as well, you wanna make sure that the dispute balance stays above 6,000, which it is at the moment.","start":1127.1901,"end":1133.105,"sentiment":"neutral","sentiment_score":0.1378460481762886},{"text":"And if you put contributions, there's no risk for it.","start":1133.105,"end":1136.085,"sentiment":"neutral","sentiment_score":0.10490463301539421},{"text":"If ever in you know, if it's a situation where you are not working for a long period of time, typically sixteen months or so, there's no contributions going, that's when Mercer can say, okay.","start":1136.385,"end":1146.64,"sentiment":"neutral","sentiment_score":-0.04262573178857565},{"text":"Well, there's no contributions going, and we can cancel it.","start":1146.64,"end":1149.2,"sentiment":"neutral","sentiment_score":-0.13759222105145455},{"text":"So we don't want that.","start":1149.2,"end":1150.5,"sentiment":"neutral","sentiment_score":-0.12894315421581268}],"sentiment":"neutral","sentiment_score":0.00366785874357447,"num_words":80,"start":1127.1901,"end":1150.5},{"sentences":[{"text":"We can also complete an opt in form, which, again, we will help you with, and that is just to say to Mercer that we wanna keep those insurances active Even if at some point you are not contributing to the fund or if your super balance do drop a little bit, we wanna keep those insurances.","start":1150.8,"end":1167.065,"sentiment":"neutral","sentiment_score":0.04982799820994076},{"text":"So we will kind of help you through those forms.","start":1167.285,"end":1169.545,"sentiment":"neutral","sentiment_score":0.05601383335888386},{"text":"Does that all make sense so far?","start":1171.125,"end":1172.825,"sentiment":"neutral","sentiment_score":0.050168427771755626},{"text":"Yep.","start":1173.205,"end":1173.69,"sentiment":"neutral","sentiment_score":0.12228751182556152},{"text":"Great.","start":1173.85,"end":1174.35,"sentiment":"positive","sentiment_score":0.4913230836391449}],"sentiment":"neutral","sentiment_score":0.05743583975555865,"num_words":76,"start":1150.8,"end":1174.35},{"sentences":[{"text":"Perfect.","start":1174.8899,"end":1175.3899,"sentiment":"neutral","sentiment_score":0.26974090933799744},{"text":"Now as you scroll through, you will also see a couple of advantages with the recommendation, some disadvantages, and some risks to be mindful of as well.","start":1176.25,"end":1188.855,"sentiment":"neutral","sentiment_score":0.023390861986963836},{"text":"Now a lot of it is then outlined in a table for you a little bit later showing you all the numbers.","start":1188.915,"end":1194.855,"sentiment":"neutral","sentiment_score":0.14603451859544625},{"text":"But, essentially, do you remember kind of us talking about the SMA and the concept around it last time.","start":1195.555,"end":1203.24,"sentiment":"neutral","sentiment_score":0.06928325836595736},{"text":"Yep.","start":1204.5,"end":1204.98,"sentiment":"positive","sentiment_score":0.35061416029930115}],"sentiment":"neutral","sentiment_score":0.0825864237334047,"num_words":70,"start":1174.8899,"end":1204.98},{"sentences":[{"text":"Perfect.","start":1204.98,"end":1205.48,"sentiment":"positive","sentiment_score":0.650791347026825},{"text":"So I did do research on the SMA as well as other portfolio options just to make sure that the SMA was still going to be affordable for you.","start":1205.7,"end":1214.26,"sentiment":"positive","sentiment_score":0.602887021056537},{"text":"It's going to minimize capital gains tax and put you in the best position.","start":1214.26,"end":1218.575,"sentiment":"positive","sentiment_score":0.6749714676822934},{"text":"And after doing all the research, it was it was a really good suitable match for you.","start":1219.115,"end":1224.175,"sentiment":"positive","sentiment_score":0.5709453891305363},{"text":"So I have recommended that we make the switch, and the really good thing with the SMA is that it gives us that flexibility.","start":1225.035,"end":1231.3099,"sentiment":"positive","sentiment_score":0.5546310295661291}],"sentiment":"positive","sentiment_score":0.595309786235585,"num_words":85,"start":1204.98,"end":1231.3099},{"sentences":[{"text":"So if there are anything drastic that happens in the market, which at the moment, we're obviously seeing a bit of volatility and stuff around the world, and the last twelve months have, you know, seen a few things as well, it means it means that we very easy and quickly can make those changes if need be.","start":1231.69,"end":1249.2251,"sentiment":"neutral","sentiment_score":0.15325059202210656},{"text":"You still get notified of any changes we do to your investments, and we always have to follow the best interest duty and always follow all the, you know, all the ethics and legislation.","start":1249.2251,"end":1258.8601,"sentiment":"neutral","sentiment_score":0.2631396423367893},{"text":"We always have to do that for you and always make sure that if we do make a change, it is in your best interest, and it is going to put you in a better position.","start":1258.92,"end":1267.7401,"sentiment":"positive","sentiment_score":0.368616280456384},{"text":"But it means that with the SMA concept, we can make those changes quickly for you to try to minimize any losses if there are a bit of volatility in some market, which means that it's obviously a lot quicker.","start":1268.025,"end":1279.485,"sentiment":"neutral","sentiment_score":0.2974121067672968},{"text":"Yep.","start":1281.24,"end":1281.74,"sentiment":"neutral","sentiment_score":0.1973121166229248}],"sentiment":"neutral","sentiment_score":0.2556169506537138,"num_words":169,"start":1231.69,"end":1281.74},{"sentences":[{"text":"And then also because we have joined with BlackRock, we also get access to all their investment knowledge and expertise and all their research tools, which again kind of helps us in constructing the portfolio and also kind of minimizing the risk with investments, and trying to keep that as low as possible.","start":1282.36,"end":1301.455,"sentiment":"positive","sentiment_score":0.33598820499654086},{"text":"Yep.","start":1302.875,"end":1303.275,"sentiment":"neutral","sentiment_score":0.08091262727975845},{"text":"Does that make sense?","start":1303.275,"end":1304.155,"sentiment":"neutral","sentiment_score":0.007778789382427931},{"text":"I know it's probably a lot.","start":1304.155,"end":1305.615,"sentiment":"neutral","sentiment_score":-0.04703970315555731},{"text":"Yeah.","start":1307.5099,"end":1307.99,"sentiment":"positive","sentiment_score":0.4355275630950928}],"sentiment":"neutral","sentiment_score":0.27804141528904436,"num_words":65,"start":1282.36,"end":1307.99},{"sentences":[{"text":"Perfect.","start":1307.99,"end":1308.49,"sentiment":"positive","sentiment_score":0.6786209940910339},{"text":"Now if you do wanted to read up a little bit more on everything as well, in those supporting documents, which was when you get out of the email, those other attachments, there is actually a product disclosure statement about the SMA as well.","start":1308.5499,"end":1323.045,"sentiment":"neutral","sentiment_score":0.10669339058751409},{"text":"So if you wanted to have a read on a bit more on through it as well, it's all in there.","start":1323.125,"end":1328.165,"sentiment":"neutral","sentiment_score":0.11729729459399268},{"text":"But it's also a little bit more explained in this document as well.","start":1328.165,"end":1331.4451,"sentiment":"neutral","sentiment_score":0.060536051025757424},{"text":"So, again, when you have some time, have a read over it, and any questions, let me know.","start":1331.4451,"end":1335.27,"sentiment":"neutral","sentiment_score":0.10106448084115982}],"sentiment":"neutral","sentiment_score":0.1076546668545487,"num_words":97,"start":1307.99,"end":1335.27},{"sentences":[{"text":"Yep.","start":1336.55,"end":1337.05,"sentiment":"neutral","sentiment_score":0.04586933180689812},{"text":"Now let me see here.","start":1338.47,"end":1341.1901,"sentiment":"neutral","sentiment_score":-0.009307939931750298},{"text":"One of the risks is that there's always a level of risk associated with any investment option.","start":1341.1901,"end":1346.5701,"sentiment":"neutral","sentiment_score":-0.08243630432030734},{"text":"Yep.","start":1347.765,"end":1348.265,"sentiment":"neutral","sentiment_score":-0.003252767026424408},{"text":"Now if you kind of scroll down to page 14, you will also see kind of alternatives consider.","start":1349.765,"end":1355.7051,"sentiment":"neutral","sentiment_score":0.003959880469159948}],"sentiment":"neutral","sentiment_score":-0.03176339190187199,"num_words":42,"start":1336.55,"end":1355.7051},{"sentences":[{"text":"Can you see that okay?","start":1356.005,"end":1357.2051,"sentiment":"neutral","sentiment_score":0.015915537625551222},{"text":"Yep.","start":1357.2051,"end":1357.7051,"sentiment":"neutral","sentiment_score":0.036647435277700424},{"text":"So kind of like I mentioned earlier, I did consider rolling the your super into another option, and I did consider a couple of option.","start":1358.485,"end":1366.2401,"sentiment":"neutral","sentiment_score":0.033603355288505554},{"text":"The one that was the most competitive was my North, which is quite similar to Hub twenty four.","start":1366.38,"end":1371.6001,"sentiment":"neutral","sentiment_score":0.028427060486541852},{"text":"But by doing so, because your super has gone up and done pretty good, by doing the switch, it would mean that it would be a lot larger capital gains tax by selling the investments.","start":1371.8201,"end":1384.8251,"sentiment":"neutral","sentiment_score":-7.217324205807277e-6}],"sentiment":"neutral","sentiment_score":0.01747313676224578,"num_words":84,"start":1356.005,"end":1384.8251},{"sentences":[{"text":"And it just wasn't worth it when hub twenty four is very competitive as it is already.","start":1385.045,"end":1391.0651,"sentiment":"neutral","sentiment_score":-0.16930277470280142},{"text":"Yep.","start":1393.1,"end":1393.4199,"sentiment":"neutral","sentiment_score":0.24644258618354797},{"text":"Yep.","start":1393.4199,"end":1393.9199,"sentiment":"neutral","sentiment_score":0.26876720786094666},{"text":"Perfect.","start":1394.5399,"end":1395.0399,"sentiment":"positive","sentiment_score":0.3429272770881653},{"text":"Which then kind of takes us through the investment.","start":1395.6599,"end":1398.1599,"sentiment":"neutral","sentiment_score":0.09609637740585539}],"sentiment":"neutral","sentiment_score":-0.03983250697111261,"num_words":29,"start":1385.045,"end":1398.1599},{"sentences":[{"text":"So that is page 15.","start":1398.38,"end":1399.9199,"sentiment":"neutral","sentiment_score":0.036600762605667116},{"text":"Yep.","start":1401.02,"end":1401.52,"sentiment":"neutral","sentiment_score":0.026827741414308548},{"text":"Now as you can see here, the the previous structure, kind of like with Tyson, was a little bit different.","start":1402.2999,"end":1407.485,"sentiment":"neutral","sentiment_score":0.0006844324292615056},{"text":"You can see each and every single one of the investments, and we are moving that into the SMA.","start":1407.485,"end":1413.665,"sentiment":"neutral","sentiment_score":0.018999916991513027},{"text":"Now the SMA, it's just called Bloom.","start":1414.125,"end":1416.465,"sentiment":"neutral","sentiment_score":0.016555390852902616}],"sentiment":"neutral","sentiment_score":0.013469353112248847,"num_words":52,"start":1398.38,"end":1416.465},{"sentences":[{"text":"That's just the option that aligns with your high growth portfolio.","start":1416.525,"end":1420.385,"sentiment":"neutral","sentiment_score":0.2967741922898726},{"text":"So within that investment option, you still have a range of different investments to diversify your portfolio.","start":1420.9099,"end":1427.01,"sentiment":"neutral","sentiment_score":0.2205707772689707},{"text":"Everything, it's still very much there, but it just gives us that flexibility of swapping investments for you if something were to happen.","start":1427.1499,"end":1435.825,"sentiment":"neutral","sentiment_score":0.3022158320831216},{"text":"And when we do you know, if you are happy to go ahead and make the change, when you actually go into Hub twenty four yourself, you will see then Oakview SMA Bloom, but you can actually click on it, and you can then drop down and see all the individual investments as well.","start":1435.825,"end":1450.92,"sentiment":"neutral","sentiment_score":0.16241341346391924},{"text":"So you still have that oversized.","start":1450.92,"end":1452.7001,"sentiment":"neutral","sentiment_score":0.011552354010442892}],"sentiment":"neutral","sentiment_score":0.20544884610619094,"num_words":111,"start":1416.525,"end":1452.7001},{"sentences":[{"text":"Yep.","start":1454.04,"end":1454.4401,"sentiment":"positive","sentiment_score":0.3630264699459076},{"text":"Perfect.","start":1454.4401,"end":1454.8401,"sentiment":"positive","sentiment_score":0.5591949820518494},{"text":"Does that still make sense so far?","start":1454.8401,"end":1456.6201,"sentiment":"neutral","sentiment_score":0.2566148681300027},{"text":"Yep.","start":1457.16,"end":1457.66,"sentiment":"neutral","sentiment_score":0.1536884307861328},{"text":"Perfect.","start":1457.7201,"end":1458.2201,"sentiment":"positive","sentiment_score":0.3896391689777374}],"sentiment":"neutral","sentiment_score":0.2965321026065133,"num_words":11,"start":1454.04,"end":1458.2201},{"sentences":[{"text":"The next page, you will then see just the Merced investment for you.","start":1459.2401,"end":1463.145,"sentiment":"neutral","sentiment_score":0.14809373708871695},{"text":"Not making any changes.","start":1463.145,"end":1464.4451,"sentiment":"neutral","sentiment_score":0.011684952303767206},{"text":"Just keeping that one, which is just that default.","start":1465.0651,"end":1467.645,"sentiment":"neutral","sentiment_score":0.05363322297732035},{"text":"Yeah.","start":1468.105,"end":1468.605,"sentiment":"neutral","sentiment_score":0.0484827384352684},{"text":"That one kinda follows more like the age the age group.","start":1468.8251,"end":1472.105,"sentiment":"neutral","sentiment_score":0.037428432567553085}],"sentiment":"neutral","sentiment_score":0.07670665512743749,"num_words":38,"start":1459.2401,"end":1472.105},{"sentences":[{"text":"So then the older you get, they kind of then tend to slowly get more defensive, because you might be a little bit less tolerant to risk when you get closer to retirement.","start":1472.105,"end":1481.41,"sentiment":"neutral","sentiment_score":0.03326388482343067},{"text":"Yep.","start":1482.75,"end":1483.25,"sentiment":"neutral","sentiment_score":0.1455865204334259},{"text":"Perfect.","start":1483.39,"end":1483.89,"sentiment":"neutral","sentiment_score":0.2871258556842804},{"text":"Now not too much more to go, and I will let you go.","start":1484.75,"end":1488.855,"sentiment":"neutral","sentiment_score":0.09918232090198077},{"text":"But, basically, on the next page, you will see that risk profile.","start":1489.5549,"end":1493.1749,"sentiment":"neutral","sentiment_score":0.06673118596275647}],"sentiment":"neutral","sentiment_score":0.060342749642829104,"num_words":60,"start":1472.105,"end":1493.1749},{"sentences":[{"text":"Can you see that little pie chart and table?","start":1493.235,"end":1495.4149,"sentiment":"neutral","sentiment_score":0.06191709513465563},{"text":"Yep.","start":1497.075,"end":1497.3949,"sentiment":"neutral","sentiment_score":0.12211036682128906},{"text":"So you can see the risk profile is around that ninety ten split, the growth to the defensive, your existing portfolio, and then the proposed.","start":1497.3949,"end":1507.38,"sentiment":"neutral","sentiment_score":0.14246447890996933},{"text":"So it still aligns within that ninety ninety five to 10 to five to try and grow that for you.","start":1507.6,"end":1514.98,"sentiment":"neutral","sentiment_score":0.13500817865133286},{"text":"Yep.","start":1517.015,"end":1517.515,"sentiment":"neutral","sentiment_score":0.09944844245910645}],"sentiment":"neutral","sentiment_score":0.12572478948693191,"num_words":56,"start":1493.235,"end":1517.515},{"sentences":[{"text":"The next page is where you see everything kind of broken down into all the fees and the returns.","start":1518.055,"end":1524.455,"sentiment":"neutral","sentiment_score":0.09499135770295795},{"text":"Can you see that okay?","start":1524.455,"end":1525.595,"sentiment":"neutral","sentiment_score":0.08423575907945632},{"text":"Yep.","start":1526.375,"end":1526.875,"sentiment":"neutral","sentiment_score":0.2337130755186081},{"text":"Perfect.","start":1526.935,"end":1527.435,"sentiment":"positive","sentiment_score":0.5146627426147461},{"text":"So the good thing with making the change, even though we are swapping a lot of the investments out, by doing so, the only capital gains that will be payable within super is about $88, which is pretty good.","start":1527.86,"end":1542.625,"sentiment":"positive","sentiment_score":0.45673407576023006}],"sentiment":"neutral","sentiment_score":0.3198002979159355,"num_words":65,"start":1518.055,"end":1542.625},{"sentences":[{"text":"Now that that will be paid within super, so you obviously don't have to pay for it, but it will come out of your super investments when we make the change.","start":1543.245,"end":1552.065,"sentiment":"neutral","sentiment_score":0.16181669648616545},{"text":"Yep.","start":1553.1649,"end":1553.49,"sentiment":"neutral","sentiment_score":0.2715159058570862},{"text":"It can vary a little bit as well because the rates and stuff do fluctuate on a daily, but it will be around that $88, which which is pretty good.","start":1553.73,"end":1561.75,"sentiment":"positive","sentiment_score":0.3480683247248332},{"text":"Yep.","start":1562.85,"end":1563.35,"sentiment":"neutral","sentiment_score":0.22095337510108948},{"text":"Now, otherwise, there's no major changes.","start":1564.53,"end":1567.11,"sentiment":"neutral","sentiment_score":0.16246530910332999}],"sentiment":"neutral","sentiment_score":0.245298963310062,"num_words":69,"start":1543.245,"end":1567.11},{"sentences":[{"text":"The fee like, our adviser fee stays the same.","start":1568.4049,"end":1571.065,"sentiment":"neutral","sentiment_score":0.21699723270204332},{"text":"Contributions are changing, like I said, to Mercer.","start":1571.5249,"end":1575.465,"sentiment":"neutral","sentiment_score":0.12410045694559813},{"text":"And the reason why it is a little bit more as well is because of that salary sacrifice for you.","start":1575.845,"end":1580.745,"sentiment":"neutral","sentiment_score":0.10029305778443813},{"text":"Yep.","start":1581.8301,"end":1582.3301,"sentiment":"neutral","sentiment_score":0.15157733857631683},{"text":"Obviously, your insurances are not changing.","start":1583.03,"end":1585.53,"sentiment":"neutral","sentiment_score":0.038656932922701046}],"sentiment":"neutral","sentiment_score":0.1212536100382832,"num_words":44,"start":1568.4049,"end":1585.53},{"sentences":[{"text":"The good thing as well, though, is that if you look on the investment fee at row and also the administration fee row, by actually making the change.","start":1586.4701,"end":1597.885,"sentiment":"neutral","sentiment_score":0.2895251608320645},{"text":"The investments in the SMA are quite a bit cheaper than those in your current portfolio, which is good.","start":1597.9451,"end":1605.085,"sentiment":"positive","sentiment_score":0.4737448519782016},{"text":"And it's also making because the SMA is available on there are kind of like a cheaper platform in Hub 24.","start":1607.785,"end":1616.1499,"sentiment":"neutral","sentiment_score":0.2235852430264155},{"text":"It gives you access to a little bit cheaper discount on administration fees as well, which is also reducing the fees, which is nice.","start":1616.85,"end":1624.775,"sentiment":"neutral","sentiment_score":0.2099021615770956},{"text":"Yeah.","start":1626.195,"end":1626.595,"sentiment":"neutral","sentiment_score":0.2464558631181717}],"sentiment":"neutral","sentiment_score":0.2912608014559874,"num_words":93,"start":1586.4701,"end":1626.595},{"sentences":[{"text":"So you can see the total cost saving is around 986, which does make a pretty big difference when you are compounding things.","start":1626.595,"end":1635.095,"sentiment":"neutral","sentiment_score":0.26883992034456006},{"text":"Yeah.","start":1636.28,"end":1636.78,"sentiment":"neutral","sentiment_score":0.18834903836250305},{"text":"And aside from that, the the good thing as well is that the recommended portfolio in hub twenty fours and moving into the SMA, when we are looking at a historical five year rolling average, it has done better than your current portfolio as well, which is good.","start":1637.8,"end":1656.495,"sentiment":"neutral","sentiment_score":0.2675290747235219},{"text":"Can you say that okay?","start":1656.875,"end":1658.1749,"sentiment":"neutral","sentiment_score":0.05539112687110901},{"text":"Yep.","start":1658.7949,"end":1659.195,"sentiment":"neutral","sentiment_score":0.09029199928045271}],"sentiment":"neutral","sentiment_score":0.25102962085451835,"num_words":78,"start":1626.595,"end":1659.195},{"sentences":[{"text":"Yep.","start":1659.195,"end":1659.6749,"sentiment":"neutral","sentiment_score":0.20530235767364505},{"text":"Perfect.","start":1659.6749,"end":1660.1749,"sentiment":"positive","sentiment_score":0.47389650344848633},{"text":"Now on the next page, you can then see where we have kind of projected everything forward for you for five and ten years just to see roughly where things will be at if things kind of stays the same.","start":1661.835,"end":1676.15,"sentiment":"neutral","sentiment_score":0.13880510963499545},{"text":"So you can kind of see the difference that in, you know, about the ten years, it still makes a difference of about 50,000 just by making those changes, saving a bit of investment fees, improving the returns a little bit, and then just doing that $20 per week extra contribution.","start":1677.1849,"end":1694.5801,"sentiment":"neutral","sentiment_score":0.26107701337804984},{"text":"Yep.","start":1696.16,"end":1696.66,"sentiment":"positive","sentiment_score":0.33459851145744324}],"sentiment":"neutral","sentiment_score":0.21149924936446737,"num_words":94,"start":1659.195,"end":1696.66},{"sentences":[{"text":"Perfect.","start":1696.8,"end":1697.3,"sentiment":"positive","sentiment_score":0.5090832114219666},{"text":"Now underneath that, you can then also see the difference between the current and the recommended portfolio.","start":1697.76,"end":1703.4601,"sentiment":"neutral","sentiment_score":0.14511879226740668},{"text":"But you can see that if we are looking more kind of further back in time, your current portfolio was doing really good, and that was why it was kind of recommended and put in place.","start":1704.0,"end":1714.155,"sentiment":"neutral","sentiment_score":0.10570863727480173},{"text":"But more recently, they are starting to to decline.","start":1714.455,"end":1718.3151,"sentiment":"negative","sentiment_score":-0.384648902548684},{"text":"And the biggest thing was that Benelon one I mentioned last time as well.","start":1718.455,"end":1722.395,"sentiment":"neutral","sentiment_score":-0.12604409669126784}],"sentiment":"neutral","sentiment_score":0.02019683305512775,"num_words":77,"start":1696.8,"end":1722.395},{"sentences":[{"text":"So if we were to leave everything the way that they are, we do think that for the next year or so, it would kind of continue to go down a little bit.","start":1723.44,"end":1731.76,"sentiment":"neutral","sentiment_score":-0.2601027073282184},{"text":"But we do wanna stop that out of it.","start":1731.76,"end":1733.76,"sentiment":"neutral","sentiment_score":-0.09721862317787276},{"text":"Yeah.","start":1733.76,"end":1734.26,"sentiment":"neutral","sentiment_score":0.024968447163701057},{"text":"Yep.","start":1734.975,"end":1735.475,"sentiment":"neutral","sentiment_score":0.04303248971700668},{"text":"Any questions so far?","start":1736.415,"end":1737.715,"sentiment":"neutral","sentiment_score":0.03430964285507798}],"sentiment":"neutral","sentiment_score":-0.19277328004439673,"num_words":48,"start":1723.44,"end":1737.715},{"sentences":[{"text":"No.","start":1738.735,"end":1739.235,"sentiment":"neutral","sentiment_score":0.02401244267821312},{"text":"Perfect.","start":1739.455,"end":1739.955,"sentiment":"neutral","sentiment_score":0.2240464389324188},{"text":"Now the other thing is that showing you a little bit about the salary sacrifice.","start":1740.735,"end":1744.675,"sentiment":"neutral","sentiment_score":0.059150445212920504},{"text":"Now this can look a little bit messy, but, basically, by doing $20 per week, it's obviously pretax, which is what's really good.","start":1745.535,"end":1756.7301,"sentiment":"neutral","sentiment_score":0.14055886702693027},{"text":"And contributions going in through superannuation is only taxed at 15%, which is lower than your marginal tax rate.","start":1756.9501,"end":1765.1549,"sentiment":"neutral","sentiment_score":0.17218215018510818}],"sentiment":"neutral","sentiment_score":0.12948526025323545,"num_words":59,"start":1738.735,"end":1765.1549},{"sentences":[{"text":"So the good thing is that you are continue through adding and boosting your superannuation, which will compound and invest.","start":1765.455,"end":1772.6749,"sentiment":"positive","sentiment_score":0.5844730287790298},{"text":"But on the flip side, you are also saving a little bit in tax, which is nice.","start":1772.8949,"end":1776.9149,"sentiment":"positive","sentiment_score":0.45453165033284354},{"text":"Yeah.","start":1778.23,"end":1778.73,"sentiment":"neutral","sentiment_score":0.17364083230495453},{"text":"So this, like I said, can look a bit messy, but it shows you basically your salary.","start":1778.79,"end":1783.69,"sentiment":"neutral","sentiment_score":0.08437904255355105},{"text":"It shows you the salary sacrifice.","start":1784.15,"end":1786.65,"sentiment":"neutral","sentiment_score":0.11636175587773323}],"sentiment":"positive","sentiment_score":0.3561107167577157,"num_words":61,"start":1765.455,"end":1786.65},{"sentences":[{"text":"It shows you a yearly, the taxable income, the tax you will pay on the taxable income, and then the net income, the after tax for you.","start":1786.79,"end":1795.745,"sentiment":"neutral","sentiment_score":0.13025613129138947},{"text":"And then underneath it, it shows your contribution.","start":1796.205,"end":1799.025,"sentiment":"neutral","sentiment_score":0.08820475218817592},{"text":"So your employer contribution, so what your employer pays, the salary sacrifice, the tax on the contributions, and then the total net contribution.","start":1799.405,"end":1809.98,"sentiment":"neutral","sentiment_score":0.05215435037794321},{"text":"Does that make sense as well?","start":1810.5199,"end":1812.0599,"sentiment":"neutral","sentiment_score":0.09158097580075264},{"text":"Yep.","start":1812.6,"end":1813.1,"sentiment":"positive","sentiment_score":0.34264910221099854}],"sentiment":"neutral","sentiment_score":0.09714213197047894,"num_words":65,"start":1786.79,"end":1813.1},{"sentences":[{"text":"Great.","start":1813.1599,"end":1813.5599,"sentiment":"positive","sentiment_score":0.7904633283615112},{"text":"Perfect.","start":1813.5599,"end":1814.0599,"sentiment":"positive","sentiment_score":0.7337602376937866},{"text":"Now on the next couple of pages, I'll let you have a read over that in your own time.","start":1814.5199,"end":1818.2799,"sentiment":"neutral","sentiment_score":0.24890875032073573},{"text":"It's kind of what we've gone through as well.","start":1818.2799,"end":1820.46,"sentiment":"neutral","sentiment_score":0.21622299982441795},{"text":"The, you know, the big advantage by making contributions is you are contributing through your retirement, boosting superannuation.","start":1820.635,"end":1827.0549,"sentiment":"positive","sentiment_score":0.4571003665526708}],"sentiment":"positive","sentiment_score":0.3422354878857732,"num_words":48,"start":1813.1599,"end":1827.0549},{"sentences":[{"text":"The money is also invested, so they obviously grow a bit quicker than if they just sit in on a savings account.","start":1827.755,"end":1833.695,"sentiment":"positive","sentiment_score":0.4306918667121367},{"text":"You also save in, obviously, that tax, which is nice.","start":1834.38,"end":1837.6,"sentiment":"positive","sentiment_score":0.3998905211687088},{"text":"The disadvantage is that because you are making it into superannuation, it will stay locked in until you meet a condition of release.","start":1838.7001,"end":1846.88,"sentiment":"neutral","sentiment_score":-0.19480281064043875},{"text":"For example, turning 60 and retiring.","start":1847.26,"end":1849.4401,"sentiment":"neutral","sentiment_score":-0.12147444859147072},{"text":"Yep.","start":1850.995,"end":1851.495,"sentiment":"neutral","sentiment_score":-0.06618313491344452}],"sentiment":"neutral","sentiment_score":0.13223599690583446,"num_words":62,"start":1827.755,"end":1851.495},{"sentences":[{"text":"Otherwise, one of the risk is as well that there's always, you know, a a risk that legislation could change.","start":1855.235,"end":1862.47,"sentiment":"neutral","sentiment_score":-0.19925174340605736},{"text":"But now the rule is that you can access it for at 60 when you stop when you retire, but that could obviously change in the future.","start":1862.85,"end":1870.29,"sentiment":"neutral","sentiment_score":-0.08735003625905072},{"text":"We don't obviously know what they are potentially going to change.","start":1870.29,"end":1873.59,"sentiment":"neutral","sentiment_score":-0.07323371331122788},{"text":"Yeah.","start":1873.81,"end":1874.31,"sentiment":"neutral","sentiment_score":-0.06984037160873413},{"text":"Unfortunately.","start":1875.01,"end":1875.51,"sentiment":"neutral","sentiment_score":-0.0917300209403038}],"sentiment":"neutral","sentiment_score":-0.12184378476813436,"num_words":60,"start":1855.235,"end":1875.51},{"sentences":[{"text":"Oh, same.","start":1877.715,"end":1879.255,"sentiment":"neutral","sentiment_score":-0.048937149345874786},{"text":"Basically, at the end, it just shows that legal personal representative we touched on in the beginning for the beneficiary, and that is just so you can then nominate exactly who you want.","start":1882.4349,"end":1891.975,"sentiment":"neutral","sentiment_score":0.005439521519072128},{"text":"Yeah.","start":1893.0299,"end":1893.5299,"sentiment":"neutral","sentiment_score":0.07778377830982208},{"text":"Again, it's just a little bit of information for you in regards to the legal personal representative, which is kind of what we touched on in the beginning as well that gives you the peace of mind.","start":1894.23,"end":1905.585,"sentiment":"neutral","sentiment_score":0.15666256643630364},{"text":"But, obviously, your state will be divided after you wish it, and you can then nominate whoever you want.","start":1905.6649,"end":1910.485,"sentiment":"neutral","sentiment_score":0.12257780918949529}],"sentiment":"neutral","sentiment_score":0.0900533372009902,"num_words":92,"start":1877.715,"end":1910.485},{"sentences":[{"text":"Yep.","start":1911.585,"end":1912.085,"sentiment":"neutral","sentiment_score":0.13575467467308044},{"text":"Now lastly, you will see our ongoing services.","start":1913.6649,"end":1917.445,"sentiment":"neutral","sentiment_score":0.12741828802973032},{"text":"So as you would know, we would we obviously do your annual review every twelve months.","start":1918.27,"end":1922.19,"sentiment":"neutral","sentiment_score":0.17047483241185546},{"text":"If you want more frequent catch ups, we can most definitely do so.","start":1922.19,"end":1925.97,"sentiment":"neutral","sentiment_score":0.200616482931834},{"text":"If there is anything you need in the meantime, though, you could always give us a call or send us an email whenever you want to.","start":1926.03,"end":1931.65,"sentiment":"neutral","sentiment_score":0.04730660496995999}],"sentiment":"neutral","sentiment_score":0.12063569226302207,"num_words":64,"start":1911.585,"end":1931.65},{"sentences":[{"text":"If there are other areas that you want to discuss and advance advice on as well, it again, it is part of that ongoing advice fee.","start":1931.735,"end":1938.635,"sentiment":"neutral","sentiment_score":0.04367856581050616},{"text":"Yep.","start":1939.8151,"end":1940.3151,"sentiment":"neutral","sentiment_score":0.1260673701763153},{"text":"Which is just highlighted again on page 27 for you.","start":1940.935,"end":1944.555,"sentiment":"neutral","sentiment_score":0.23165018409490584},{"text":"Just showing you that there's no changes whatsoever through the fee.","start":1944.74,"end":1948.26,"sentiment":"neutral","sentiment_score":0.2508092495528134},{"text":"It stays the same at 1.65.","start":1948.26,"end":1951.64,"sentiment":"neutral","sentiment_score":0.31348800162474316}],"sentiment":"neutral","sentiment_score":0.1521859569819989,"num_words":54,"start":1931.735,"end":1951.64},{"sentences":[{"text":"So if you're happy and you would like to go ahead with this change, there's no additional charges or anything like that to implement everything.","start":1951.86,"end":1959.445,"sentiment":"positive","sentiment_score":0.3875700300931931},{"text":"It is all part of that ongoing service.","start":1959.445,"end":1961.465,"sentiment":"positive","sentiment_score":0.3592488542199135},{"text":"Yep.","start":1963.125,"end":1963.625,"sentiment":"neutral","sentiment_score":0.13483062386512756},{"text":"And then it just basically outlines the authority to proceed.","start":1964.645,"end":1968.105,"sentiment":"neutral","sentiment_score":0.13005801364779473},{"text":"So that is if you're happy to go ahead with the change, what we are looking to do, which is obviously switching over the hub 24 to the SMA.","start":1968.1649,"end":1976.93,"sentiment":"neutral","sentiment_score":0.2103176055283382}],"sentiment":"neutral","sentiment_score":0.2753131905034797,"num_words":73,"start":1951.86,"end":1976.93},{"sentences":[{"text":"We wanna change your contributions to.","start":1977.15,"end":1979.65,"sentiment":"neutral","sentiment_score":0.15570124114553133},{"text":"We will send you the details as well so you can start making the salary sacrifice or if you're happy to speak to your employer, whichever is the easiest for you.","start":1979.87,"end":1988.195,"sentiment":"neutral","sentiment_score":0.20449728759065752},{"text":"And then you already have those forms with the beneficiaries, which is good.","start":1988.575,"end":1992.015,"sentiment":"neutral","sentiment_score":0.2047523707151413},{"text":"So we'll keep an eye on on those and then get that uploaded to make sure that's all updated for you.","start":1992.015,"end":1997.28,"sentiment":"neutral","sentiment_score":0.1549462080001831},{"text":"Perfect.","start":1998.56,"end":1999.06,"sentiment":"positive","sentiment_score":0.4532508254051209}],"sentiment":"neutral","sentiment_score":0.18947951909568575,"num_words":72,"start":1977.15,"end":1999.06},{"sentences":[{"text":"Now that was basically everything that I needed to go through on my end.","start":1999.52,"end":2003.36,"sentiment":"neutral","sentiment_score":0.29653273629290716},{"text":"So do you have any other questions, or what are your thoughts with everything?","start":2003.36,"end":2007.38,"sentiment":"neutral","sentiment_score":0.0932295061647892},{"text":"Yeah.","start":2016.735,"end":2017.235,"sentiment":"neutral","sentiment_score":0.21440565586090088},{"text":"Yeah.","start":2020.9751,"end":2021.4751,"sentiment":"neutral","sentiment_score":0.1859700083732605},{"text":"Yeah.","start":2021.8551,"end":2022.3551,"sentiment":"neutral","sentiment_score":0.22093024849891665}],"sentiment":"neutral","sentiment_score":0.196063784101317,"num_words":31,"start":1999.52,"end":2022.3551},{"sentences":[{"text":"Oh, that's good.","start":2022.495,"end":2023.555,"sentiment":"positive","sentiment_score":0.43317768971125287},{"text":"Yeah.","start":2025.0,"end":2025.16,"sentiment":"neutral","sentiment_score":0.2626436650753021},{"text":"So, basically, from here, the the process is that if you want to go ahead and make the change, we will just need you to press sign in that link.","start":2025.16,"end":2034.38,"sentiment":"neutral","sentiment_score":0.2305710698167483},{"text":"It will then come through to me, and I will get the let the team know, and we can then start implementing that.","start":2034.6,"end":2041.095,"sentiment":"neutral","sentiment_score":0.24909326304560123},{"text":"But like I said, obviously, if you are at work and you want to take a bit of time to read over it as well, that is no problem at all either.","start":2041.095,"end":2049.035,"sentiment":"neutral","sentiment_score":0.13523158861789852}],"sentiment":"neutral","sentiment_score":0.20826814285992237,"num_words":89,"start":2022.495,"end":2049.035},{"sentences":[{"text":"Yeah.","start":2050.615,"end":2051.115,"sentiment":"neutral","sentiment_score":0.20709636807441711},{"text":"Perfect.","start":2053.3499,"end":2053.8499,"sentiment":"positive","sentiment_score":0.7088835835456848},{"text":"So if you don't have any other questions for me, I will let you go so you can finish up at work and then head home.","start":2053.91,"end":2061.45,"sentiment":"positive","sentiment_score":0.3414215938403056},{"text":"But if there is anything else that you do need or any other questions, just let me know.","start":2062.23,"end":2067.885,"sentiment":"neutral","sentiment_score":0.24412991520431307},{"text":"Otherwise, I'll kind of keep a look at to see if that comes through, if you wanna implement it, or what your thoughts 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soon.","start":2083.419,"end":2084.3992,"sentiment":"neutral","sentiment_score":0.3158334990342458}],"sentiment":"positive","sentiment_score":0.7250102779694966,"num_words":28,"start":2074.265,"end":2084.3992},{"sentences":[{"text":"Bye.","start":2086.219,"end":2086.719,"sentiment":"neutral","sentiment_score":-0.11051759868860243}],"sentiment":"neutral","sentiment_score":-0.11051759868860243,"num_words":1,"start":2086.219,"end":2086.719}]}}]},{"alternatives":[{"transcript":"Hello? Good, Veronica. How are you? That's good. Yes. That's fine. Thank you. Yeah. Sure. It's at Shani Hayward, 18 Bay Laramie, New South Wales, and 10/1980. Been busy. Yes. Yeah. No. I finish in an hour. So that's good. So 05:00, I finish it. Yeah. Okay. No. I do. But maybe if you could send them to my work one because I'm sitting in front of that computer. Would that be alright? Or otherwise, I can just forward it on to myself. Yeah. That's fine. Yeah. That's fine. Just flick it through to Sean ID, and then I'll forward it on. Yes, please. Yeah. I've looked at them, and that was about the extent of my look. I was like, oh, wow. I don't know what to do now because I know I think last time we spoke to mention that I can't use friends. It has to be someone who is an independent to me. Is that right? Right. Mhmm. Okay. Mhmm. Yes. Yellow. Okay. Okay. Sure. I do. Yeah. Yeah. No. I I have it through my through a lawyer. Yep. Mhmm. Yep. Okay. So just on these forms that I've got, I just need to put in the legal representative person and give them the 100%. Right? Okay. Okay. Nominations are valid for three years and all that. But, yeah, maybe you could just explain them on that thing for me. That'd be great. Okay. Mhmm. Okay. Yeah. Yes. Yeah. Okay. Mhmm. Okay. Gotcha. You think I should know that being in the legal field, but it's different areas to what I know what I'm working on in personal injury. So it's like a whole lot of for me. Yeah. Yep. Yeah. And I'm only just starting to like, I'm just in the CPD practice. I'm only just taking that back up. So, yeah, I'm just still trying to get all my I've been working in work with comps for every twenty years. So it's a big change in TBD and made her accident to work at But anyway okay. Mhmm. Mhmm. Mhmm. Okay. Sure. That's helpful. Yeah. Thank you. That's great. And I'm just checking my email. I got it. It doesn't come through yet. In the junk. Yeah. Let me have a look. I'm working from same scrape. I've done that for a lot of marketers. Maybe just start running through it. That's fine. And I can yeah. And I'll I'll trust what you're saying is correct, and I can obviously. Mhmm. Mhmm. Okay. Okay. Okay. Sure. No problem. Mhmm. Yes. It does. Yes. Uh-huh. Okay. Okay. Perfect. No. Not yet. I'm checking my junk again just to make sure. Might be just having a moment. Oh, hang on. This might be it. Signature request. Is that the one that from Morgan? Okay. Yep. Okay. Okay. Here. So, yeah, it's got the sign document thing and then Okay. Yep. The cover page has got the Gold Coast with your name on there prepared for Shani Hayward. Is that the right one? Yep. Alright. Let's see that there. Yep. Mhmm. Okay. Mhmm. Sure. Mhmm. Sure. Okay. For you? Yep. Sure. Yep. Okay. Yes. Yes. Okay. Health issues. I don't know if you you don't put my previous cancer thing in there, do you? Because I had breast cancer in '22. You don't need to worry about that. I'm in remission. So, yeah, I don't have it yet. I just I I I know I mentioned it in the past, but I just wanted to make sure it doesn't change anything in there. Sure. Okay. Oh, wait. Okay. Yep. That's good. No. That's perfect. Everything looks fine on there. Yep. Yep. Yep. Personal name. Yep. That's fine. Yep. Yep. Mhmm. Yeah. I can see that. Mhmm. Mhmm. Yep. Okay. Mhmm. Yes. Mhmm. Mhmm. Mhmm. Okay. Mhmm. Yes. Mhmm. Yes. Yes. Okay. Mhmm. I do. Yes. Mhmm. Okay. Yeah. Okay. Okay. Okay. Yes. Yeah. No. It does. It does. Yep. Thank you. Sure. Okay. Mhmm. Yep. Yes. I can. Yes. Okay. Right. Okay. Yep. No. That's good. I'm glad here. Mhmm. Mhmm. Okay. Right. Mhmm. Mhmm. Okay. Okay. Great. Yes. Yes. Yes. K. Then active. Yep. Okay. Okay. Sure. Yes. Yes. Mhmm. Okay. I can. Yes. Yeah. Yeah. Okay. Yes. Sure. Yeah. Sure. Mhmm. Right. Yeah. That is good. Yes. Mhmm. Okay. That's good. Yeah. That's good. Yes. For sure. Okay. Mhmm. Yes. Yes. Mhmm. Okay. Mhmm. Sure. Yes. Mhmm. Right. Okay. Yep. No. That's fine. Yes. Okay. Mhmm. Yes. Mhmm. Okay. Mhmm. Yes. Yes. Sure. Mhmm. Sure. Yeah. Exactly. Okay. Sure. Mhmm. Mhmm. Sure. Mhmm. Sure. Okay. Mhmm. Mhmm. Yes. Okay. Perfect. Mhmm. No. It seems to be tracking pretty well. I think I think I'm pretty happy with it. We think everything's tracking okay, and it's growing, like, at a rate that's pretty reasonable considering. Oh, that's good. Mhmm. Okay. Sure. Yep. Thank you. Yep. Okay. Great. Thank you. Thank you, Veronica. You too. Thank you. See you soon. 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Good, Veronica. How are you? That's good. Yes.\n\nThat's fine. Thank you. Yeah. Sure. It's at Shani Hayward, 18 Bay Laramie, New South Wales, and 10/1980.\n\nBeen busy. Yes. Yeah. No. I finish in an hour.\n\nSo that's good. So 05:00, I finish it. Yeah. Okay. No.\n\nI do. But maybe if you could send them to my work one because I'm sitting in front of that computer. Would that be alright? Or otherwise, I can just forward it on to myself. Yeah.\n\nThat's fine. Yeah. That's fine. Just flick it through to Sean ID, and then I'll forward it on. Yes, please.\n\nYeah. I've looked at them, and that was about the extent of my look. I was like, oh, wow. I don't know what to do now because I know I think last time we spoke to mention that I can't use friends. It has to be someone who is an independent to me.\n\nIs that right? Right. Mhmm. Okay. Mhmm.\n\nYes. Yellow. Okay. Okay. Sure.\n\nI do. Yeah. Yeah. No. I I have it through my through a lawyer.\n\nYep. Mhmm. Yep. Okay. So just on these forms that I've got, I just need to put in the legal representative person and give them the 100%.\n\nRight? Okay. Okay. Nominations are valid for three years and all that. But, yeah, maybe you could just explain them on that thing for me.\n\nThat'd be great. Okay. Mhmm. Okay. Yeah.\n\nYes. Yeah. Okay. Mhmm. Okay.\n\nGotcha. You think I should know that being in the legal field, but it's different areas to what I know what I'm working on in personal injury. So it's like a whole lot of for me. Yeah. Yep.\n\nYeah. And I'm only just starting to like, I'm just in the CPD practice. I'm only just taking that back up. So, yeah, I'm just still trying to get all my I've been working in work with comps for every twenty years. So it's a big change in TBD and made her accident to work at But anyway okay.\n\nMhmm. Mhmm. Mhmm. Okay. Sure.\n\nThat's helpful. Yeah. Thank you. That's great. And I'm just checking my email.\n\nI got it. It doesn't come through yet. In the junk. Yeah. Let me have a look.\n\nI'm working from same scrape. I've done that for a lot of marketers. Maybe just start running through it. That's fine. And I can yeah.\n\nAnd I'll I'll trust what you're saying is correct, and I can obviously. Mhmm. Mhmm. Okay. Okay.\n\nOkay. Sure. No problem. Mhmm. Yes.\n\nIt does. Yes. Uh-huh. Okay. Okay.\n\nPerfect. No. Not yet. I'm checking my junk again just to make sure. Might be just having a moment.\n\nOh, hang on. This might be it. Signature request. Is that the one that from Morgan? Okay.\n\nYep. Okay. Okay. Here. So, yeah, it's got the sign document thing and then Okay.\n\nYep. The cover page has got the Gold Coast with your name on there prepared for Shani Hayward. Is that the right one? Yep. Alright.\n\nLet's see that there. Yep. Mhmm. Okay. Mhmm.\n\nSure. Mhmm. Sure. Okay. For you?\n\nYep. Sure. Yep. Okay. Yes.\n\nYes. Okay. Health issues. I don't know if you you don't put my previous cancer thing in there, do you? Because I had breast cancer in '22.\n\nYou don't need to worry about that. I'm in remission. So, yeah, I don't have it yet. I just I I I know I mentioned it in the past, but I just wanted to make sure it doesn't change anything in there. Sure.\n\nOkay. Oh, wait. Okay. Yep. That's good.\n\nNo. That's perfect. Everything looks fine on there. Yep. Yep.\n\nYep. Personal name. Yep. That's fine. Yep.\n\nYep. Mhmm. Yeah. I can see that. Mhmm.\n\nMhmm. Yep. Okay. Mhmm. Yes.\n\nMhmm. Mhmm. Mhmm. Okay. Mhmm.\n\nYes. Mhmm. Yes. Yes. Okay.\n\nMhmm. I do. Yes. Mhmm. Okay.\n\nYeah. Okay. Okay. Okay. Yes.\n\nYeah. No. It does. It does. Yep.\n\nThank you. Sure. Okay. Mhmm. Yep.\n\nYes. I can. Yes. Okay. Right.\n\nOkay. Yep. No. That's good. I'm glad here.\n\nMhmm. Mhmm. Okay. Right. Mhmm.\n\nMhmm. Okay. Okay. Great. Yes.\n\nYes. Yes. K. Then active. Yep.\n\nOkay. Okay. Sure. Yes. Yes.\n\nMhmm. Okay. I can. Yes. Yeah.\n\nYeah. Okay. Yes. Sure. Yeah.\n\nSure. Mhmm. Right. Yeah. That is good.\n\nYes. Mhmm. Okay. That's good. Yeah.\n\nThat's good. Yes. For sure. Okay. Mhmm.\n\nYes. Yes. Mhmm. Okay. Mhmm.\n\nSure. Yes. Mhmm. Right. Okay.\n\nYep. No. That's fine. Yes. Okay.\n\nMhmm. Yes. Mhmm. Okay. Mhmm.\n\nYes. Yes. Sure. Mhmm. Sure.\n\nYeah. Exactly. Okay. Sure. Mhmm.\n\nMhmm. Sure. Mhmm. Sure. Okay.\n\nMhmm. Mhmm. Yes. Okay. Perfect.\n\nMhmm. No. It seems to be tracking pretty well. I think I think I'm pretty happy with it. We think everything's tracking okay, and it's growing, like, at a rate that's pretty reasonable considering.\n\nOh, that's good. Mhmm. Okay. Sure. Yep.\n\nThank you. Yep. Okay. Great. Thank you.\n\nThank you, Veronica. You too. Thank you. See you soon. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":9.36,"end":9.86,"sentiment":"neutral","sentiment_score":0.046402305364608765},{"text":"Good, Veronica.","start":14.575001,"end":15.375,"sentiment":"positive","sentiment_score":0.40952393412590027},{"text":"How are you?","start":15.375,"end":16.275002,"sentiment":"neutral","sentiment_score":0.2778849850098292},{"text":"That's good.","start":18.415,"end":19.155,"sentiment":"positive","sentiment_score":0.706300675868988},{"text":"Yes.","start":24.015,"end":24.335,"sentiment":"neutral","sentiment_score":0.184881329536438}],"sentiment":"positive","sentiment_score":0.3662875344355901,"num_words":9,"start":9.36,"end":24.335},{"sentences":[{"text":"That's fine.","start":24.335,"end":24.895,"sentiment":"neutral","sentiment_score":0.31114326417446136},{"text":"Thank 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great.","start":335.315,"end":336.29498,"sentiment":"positive","sentiment_score":0.5048788289229075},{"text":"Okay.","start":342.195,"end":342.695,"sentiment":"neutral","sentiment_score":0.07330310344696045},{"text":"Mhmm.","start":345.28,"end":345.78,"sentiment":"neutral","sentiment_score":0.10525238513946532},{"text":"Okay.","start":349.92,"end":350.42,"sentiment":"neutral","sentiment_score":0.18460297584533691},{"text":"Yeah.","start":350.56,"end":351.06,"sentiment":"neutral","sentiment_score":0.2559487819671631}],"sentiment":"neutral","sentiment_score":0.304820533309664,"num_words":7,"start":335.315,"end":351.06},{"sentences":[{"text":"Yes.","start":357.52,"end":358.02,"sentiment":"neutral","sentiment_score":0.08562477678060532},{"text":"Yeah.","start":363.815,"end":364.315,"sentiment":"neutral","sentiment_score":-0.32892319560050964},{"text":"Okay.","start":366.295,"end":366.795,"sentiment":"neutral","sentiment_score":0.01447085663676262},{"text":"Mhmm.","start":381.16998,"end":381.66998,"sentiment":"neutral","sentiment_score":-0.10856341570615768},{"text":"Okay.","start":392.54498,"end":392.94498,"sentiment":"neutral","sentiment_score":0.04359817132353783}],"sentiment":"neutral","sentiment_score":-0.05875856131315231,"num_words":5,"start":357.52,"end":392.94498},{"sentences":[{"text":"Gotcha.","start":392.94498,"end":393.44498,"sentiment":"neutral","sentiment_score":0.02046889439225197},{"text":"You think I should know that being in the legal field, but it's different areas to what I know what I'm working on in personal injury.","start":394.22498,"end":400.71,"sentiment":"neutral","sentiment_score":-0.028313145542947147},{"text":"So it's like a whole lot of for me.","start":400.78998,"end":404.00998,"sentiment":"neutral","sentiment_score":-0.06004039073983828},{"text":"Yeah.","start":405.91,"end":406.41,"sentiment":"neutral","sentiment_score":-0.043228358030319214},{"text":"Yep.","start":422.305,"end":422.805,"sentiment":"neutral","sentiment_score":-0.04127668216824531}],"sentiment":"neutral","sentiment_score":-0.03527740648898639,"num_words":38,"start":392.94498,"end":422.805},{"sentences":[{"text":"Yeah.","start":425.10498,"end":425.60498,"sentiment":"neutral","sentiment_score":-0.08975604176521301},{"text":"And I'm only just starting to like, I'm just in the CPD practice.","start":425.745,"end":430.06,"sentiment":"neutral","sentiment_score":-0.12152867191112958},{"text":"I'm 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okay.","start":439.48,"end":450.825,"sentiment":"neutral","sentiment_score":-0.0915403896394898}],"sentiment":"neutral","sentiment_score":-0.09450411780784695,"num_words":59,"start":425.10498,"end":450.825},{"sentences":[{"text":"Mhmm.","start":456.64502,"end":457.14502,"sentiment":"neutral","sentiment_score":-0.06934109330177307},{"text":"Mhmm.","start":466.18,"end":466.68,"sentiment":"neutral","sentiment_score":0.06535445153713226},{"text":"Mhmm.","start":468.5,"end":468.66,"sentiment":"neutral","sentiment_score":0.0823536366224289},{"text":"Okay.","start":468.66,"end":469.16,"sentiment":"neutral","sentiment_score":0.15211161971092224},{"text":"Sure.","start":469.22,"end":469.46,"sentiment":"neutral","sentiment_score":0.25814998149871826}],"sentiment":"neutral","sentiment_score":0.09772571921348572,"num_words":5,"start":456.64502,"end":469.46},{"sentences":[{"text":"That's 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you?","start":812.625,"end":813.105,"sentiment":"neutral","sentiment_score":-0.005382003262639046}],"sentiment":"neutral","sentiment_score":-0.034148333594202995,"num_words":6,"start":798.11005,"end":813.105},{"sentences":[{"text":"Yep.","start":813.105,"end":813.605,"sentiment":"neutral","sentiment_score":0.12092594802379608},{"text":"Sure.","start":836.005,"end":836.505,"sentiment":"neutral","sentiment_score":0.26986727118492126},{"text":"Yep.","start":847.97,"end":848.47,"sentiment":"neutral","sentiment_score":0.2066892981529236},{"text":"Okay.","start":848.61,"end":849.11,"sentiment":"neutral","sentiment_score":0.19879093766212463},{"text":"Yes.","start":853.97,"end":854.47,"sentiment":"neutral","sentiment_score":0.16352108120918274}],"sentiment":"neutral","sentiment_score":0.19195890724658965,"num_words":5,"start":813.105,"end":854.47},{"sentences":[{"text":"Yes.","start":856.13,"end":856.605,"sentiment":"neutral","sentiment_score":0.1716199815273285},{"text":"Okay.","start":869.05,"end":869.55,"sentiment":"neutral","sentiment_score":0.25261980295181274},{"text":"Health 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you.","start":2062.3252,"end":2063.0652,"sentiment":"positive","sentiment_score":0.3578808158636093},{"text":"Yep.","start":2073.41,"end":2073.73,"sentiment":"neutral","sentiment_score":0.1872849762439728},{"text":"Okay.","start":2073.73,"end":2074.05,"sentiment":"positive","sentiment_score":0.3820900321006775},{"text":"Great.","start":2074.05,"end":2074.45,"sentiment":"positive","sentiment_score":0.7317652702331543},{"text":"Thank you.","start":2074.45,"end":2075.19,"sentiment":"positive","sentiment_score":0.7781684100627899}],"sentiment":"positive","sentiment_score":0.5104626757758004,"num_words":7,"start":2062.3252,"end":2075.19},{"sentences":[{"text":"Thank you, Veronica.","start":2080.429,"end":2081.409,"sentiment":"positive","sentiment_score":0.7389641801516215},{"text":"You too.","start":2081.549,"end":2082.209,"sentiment":"positive","sentiment_score":0.5394178926944733},{"text":"Thank you.","start":2082.269,"end":2083.009,"sentiment":"positive","sentiment_score":0.6636496782302856},{"text":"See you soon.","start":2084.509,"end":2085.229,"sentiment":"positive","sentiment_score":0.34312863151232403},{"text":"Bye.","start":2085.229,"end":2085.729,"sentiment":"neutral","sentiment_score":0.2019585371017456}],"sentiment":"positive","sentiment_score":0.5322156467221,"num_words":11,"start":2080.429,"end":2085.729}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. This is Veronica from Oakview Financial. How are you?\n\nChannel 1: Good, Veronica. How are you?\n\nChannel 0: I'm good. Thanks.\n\nChannel 1: That's good.\n\nChannel 0: I had you booked in to go over your strategy recommendation. Is now still a good time?\n\nChannel 1: Yes. That's fine. Thank you.\n\nChannel 0: Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Yep. And just to confirm I am speaking with the right person, would you be able just to confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Yeah. Sure. It's at Shani Hayward, 18 Bay Laramie, New South Wales, and 10/1980.\n\nChannel 0: Great. Perfect. That's exactly what I have here. And how's your day been so far? Been busy?\n\nChannel 1: Been busy. Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Almost at the end, though, or do you got a bit more to go?\n\nChannel 1: No. I finish in an hour. So that's good. So 05:00,\n\nChannel 0: Beautiful.\n\nChannel 1: I finish it.\n\nChannel 0: Oh, that's nice. Now I'm just about to send you the documents to run through quickly. Do you have access to your emails at the moment\n\nChannel 1: Yeah.\n\nChannel 0: or not really right now?\n\nChannel 1: Okay.\n\nChannel 0: Mhmm.\n\nChannel 1: No. I do. But maybe if you could send them to my work one because I'm sitting in front of that computer. Would that be alright? Or otherwise, I can just forward it on to myself.\n\nChannel 0: I think if you can forward, it just has to match\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: what's in just for your super form. So whatever is listed in hub 24, if it's signed, it just has to match. Otherwise, it won't verify that it's the same person. That's the only reason.\n\nChannel 1: Yeah. That's fine. Just flick it through to Sean ID, and then I'll forward it on.\n\nChannel 0: Okay. Perfect. So that's just on its way. So it should come through shortly. Technology has been a little bit slow this morning, but, hopefully, that comes through.\n\nBut while I wait for that to come through, do you want to kind of go through the beneficiary forms and stuff\n\nChannel 1: Yes, please.\n\nChannel 0: first?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I've\n\nChannel 0: So\n\nChannel 1: looked at them, and that was about\n\nChannel 0: yeah.\n\nChannel 1: the extent of my look.\n\nChannel 0: Yep.\n\nChannel 1: I was like, oh, wow. I don't know what to do now because\n\nChannel 0: Yeah.\n\nChannel 1: I know I think last time we spoke to mention\n\nChannel 0: Yep.\n\nChannel 1: that I can't use friends. It has to be someone who is an independent to me. Is that right?\n\nChannel 0: Yes and no. Yes. You can't nominate friends directly through Super. So\n\nChannel 1: Right.\n\nChannel 0: it has to be like a spouse or a a child or someone that is financially dependent in order to nominate it directly through Cooper. You can\n\nChannel 1: Mhmm.\n\nChannel 0: still nominate friends and family, like, extended family. You can nominate charities and stuff like that. You can nominate kind of anyone that's living, but you would have to do it through the will. So on the excuse me. On the form, you would complete it as a 100% through the legal personal representative, which is one\n\nChannel 1: Okay.\n\nChannel 0: of the options. Now that basically says that if something were to happen to you, your super and insurances would reverse to your will. And then in the will, you will then stipulate how you want everything distributed. The way the reason you have to do it that way is because super insurance does not form part of an estate asset. So if something were to happen, it doesn't automatically form part of the estate.\n\nNow if it is a reason where there is not\n\nChannel 1: Mhmm.\n\nChannel 0: a valid nomination, then it can revert back through the estate anyway, but it is ultimately up to the trustee. So to make sure it goes to who you want to, which is perfectly fine to have friends. We have a lot of people who have friends or nephews and nieces or anything like that. You would just have to complete the form as a 100% to the legal personal representative, and then you will have to get a will and nominate it through that way. Does that make sense?\n\nChannel 1: Yes. Yellow.\n\nChannel 0: Yeah. So it is a little bit more convoluted, but you still can give it to them.\n\nChannel 1: Okay. Okay. Sure.\n\nChannel 0: Yep. Now you can obviously you still have a will in place,\n\nChannel 1: I\n\nChannel 0: don't\n\nChannel 1: do.\n\nChannel 0: you?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So it might be easier to did you get it through a lawyer, or did you just do it yourself?\n\nChannel 1: No. I I have it through my through a lawyer. Yep.\n\nChannel 0: Okay. Oh, well, that's good. It makes it a bit easier too. So I would just say just obviously let them know,\n\nChannel 1: Mhmm.\n\nChannel 0: and then you can, yeah, nominate however you want. And the good thing with the will as well that it gives you more flexibility that you can do, you know, I would like this to go to this person first or something would happen then this person and stuff like that. Whereas with the the beneficiary forms, you just nominate one person. And then if you don't update it and that person is no longer around, then that would just classify it as not having a valid nomination, if that makes sense.\n\nChannel 1: Yep. Okay. So just on these forms that I've got,\n\nChannel 0: Mhmm.\n\nChannel 1: I just need to put in the legal representative person and give them the 100%. Right?\n\nChannel 0: Correct. That is\n\nChannel 1: Okay.\n\nChannel 0: exactly right. Yes.\n\nChannel 1: Okay.\n\nChannel 0: Did you have any questions with the other options as well? Because sometimes they can be confusing if you wanna have the binding or the non lapsing and stuff, or did that make sense?\n\nChannel 1: Nominations are valid for three years and all that. But, yeah, maybe you could just explain them on that\n\nChannel 0: Yeah.\n\nChannel 1: thing for me. That'd be great.\n\nChannel 0: Yeah. Sorry. The lapsing means that it expires every three years. So that\n\nChannel 1: Okay.\n\nChannel 0: means that you have to complete the form every three years.\n\nChannel 1: Mhmm.\n\nChannel 0: Non lapsing means that it stays in place until you decide to change it.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: a lot of people for convenience prefer to have the non lapsing, so you don't have to worry about it. Especially with the will, it's a bit easier.\n\nChannel 1: Yes.\n\nChannel 0: The only downside is that, obviously, if your situation change and you don't update it,\n\nChannel 1: Yeah.\n\nChannel 0: just something to be mindful of.\n\nChannel 1: Okay.\n\nChannel 0: Yep. And then binding and nonbinding, it is a little bit more self explanatory, but binding means that, basically, the trustee has to follow your wishes, whereas nonbinding means that you say that this is what you want to have happen. But then\n\nChannel 1: Mhmm.\n\nChannel 0: it's ultimately up to the trustee to decide what they think or if they think there's someone else that would be better suited for it that can make a claim. So binding gives you more certainty.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Gotcha. You think I should know that being in the legal field, but\n\nChannel 0: Yeah.\n\nChannel 1: it's different areas to what I know what I'm working on in personal\n\nChannel 0: It's\n\nChannel 1: injury. So it's like a whole lot of\n\nChannel 0: very and\n\nChannel 1: for me.\n\nChannel 0: the even just the terminology\n\nChannel 1: Yeah.\n\nChannel 0: is very different. So, yeah, you'd think you'd think you'd be but, no, it's very different. And the rules are really different and stuff like that as well. And if you're not in the super environment, then it's different. Whereas for me, we are more across, obviously, everything with super insurances.\n\nBut if you\n\nChannel 1: Yep.\n\nChannel 0: were to talk to me about personal injury, then I wouldn't I wouldn't\n\nChannel 1: Yeah.\n\nChannel 0: know.\n\nChannel 1: And I'm only just starting to like, I'm just in the CPD practice. I'm only just taking that back up. So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, I'm just still trying to get all my I've been working in work with comps for every twenty years. So it's a big change in TBD and\n\nChannel 0: Yes.\n\nChannel 1: made her accident to work at\n\nChannel 0: Yes.\n\nChannel 1: But anyway\n\nChannel 0: Exactly. But yeah. So that's the forms anyway. So,\n\nChannel 1: okay.\n\nChannel 0: obviously, they have to be signed and witnessed because you are making a legal nomination.\n\nChannel 1: Mhmm.\n\nChannel 0: Then you can either just send it back to us via email if you have access to a scanner, or you can obviously post it back, whatever is easiest for you, and then we'll\n\nChannel 1: Mhmm.\n\nChannel 0: get that uploaded and sorted.\n\nChannel 1: Mhmm. Okay. Sure. That's\n\nChannel 0: Yep.\n\nChannel 1: helpful.\n\nChannel 0: Perfect. Does that answer those questions\n\nChannel 1: Yeah.\n\nChannel 0: for you?\n\nChannel 1: Thank you. That's\n\nChannel 0: Yep.\n\nChannel 1: great. And I'm just\n\nChannel 0: Yeah.\n\nChannel 1: checking my email. I got it. It doesn't come through\n\nChannel 0: Yeah. It says it's been sent on my end. Now sometimes it does end up\n\nChannel 1: yet.\n\nChannel 0: in the spam\n\nChannel 1: In the\n\nChannel 0: folder\n\nChannel 1: junk. Yeah.\n\nChannel 0: as\n\nChannel 1: Let me\n\nChannel 0: well.\n\nChannel 1: have a look.\n\nChannel 0: Yeah.\n\nChannel 1: I'm working\n\nChannel 0: But let\n\nChannel 1: from\n\nChannel 0: me\n\nChannel 1: same\n\nChannel 0: just\n\nChannel 1: scrape.\n\nChannel 0: see.\n\nChannel 1: I've done that for\n\nChannel 0: Yeah.\n\nChannel 1: a lot of marketers.\n\nChannel 0: Sometimes it does, yeah, it does take a a little bit. So\n\nChannel 1: Maybe just start running through it. That's fine.\n\nChannel 0: yeah?\n\nChannel 1: And I can\n\nChannel 0: Okay.\n\nChannel 1: yeah. And I'll I'll trust what you're saying is correct, and I can obviously.\n\nChannel 0: It probably will come through by the time like, while it goes through it. The first couple of things are more just kind of housekeeping and stuff like that anyway.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: So let me know when it does come through, though, and I'll let you know kind of where we're up to.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Now, otherwise, when it does come through, you will see that you have if you click on the link, it will get you to sign the documents, but that's when you can actually access and view the statement of advice first. Now\n\nChannel 1: Okay.\n\nChannel 0: aside from that, you'll have a couple of attachments, and they are just kind of supporting documents that goes with it. So all the research that goes into it, but then also all the product disclosure statements on, like, changes in the investment and the SMA and stuff like that for you as well.\n\nChannel 1: Okay. Sure. No problem.\n\nChannel 0: Yeah. Otherwise, the statement of advice is valid for sixty days from when it was prepared. So you do have a little bit of time if you do wanna think about it and decide what you want to do. Just let me know if you need more time because I'll just have to go and update everything to make sure it's still up to date. But, otherwise, you do have a bit of a time to read over as well.\n\nNow you will see on the cover page as well, you will see my details, so you will see my authorized representative number listed there. And I am licensed, obviously, under OQ Financial, and then you have all our contact details and ABN details and everything like that on that cover page for you.\n\nChannel 1: Mhmm.\n\nChannel 0: On the next page, it just outlines that best interest duty for you again, which is just to say that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense?\n\nChannel 1: Yes. It does.\n\nChannel 0: Yep.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Now you'll have table of content, pretty self explanatory. You have a couple of pages outlining scope of advice, which\n\nChannel 1: Uh-huh.\n\nChannel 0: essentially is just the area that we are focusing on today. And mainly today, we are looking at your superannuation, making sure that continues to grow so that you can retire comfortably and not have that financial stress, and just review the option of moving into that SMA and potentially changing some of those investments to make sure it's growing a little bit better for you.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Otherwise, we're not making any changes to your insurances or anything like that. It is just simply those investments in superannuation. So nice and easy today. You will also have a couple of pages.\n\nYou will see a section about you, just some personal information. So when you have a moment or when it comes through, just have a read over it just to make sure that's all up to date or if we need to make any changes in the back end for you. And then, also, you will have a page outlining, like, your assets and liabilities and stuff like that as well.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: Has that still not come through yet?\n\nChannel 1: No. Not yet. I'm checking\n\nChannel 0: No?\n\nChannel 1: my junk again just to make sure.\n\nChannel 0: Okay.\n\nChannel 1: Might\n\nChannel 0: I might\n\nChannel 1: be\n\nChannel 0: otherwise\n\nChannel 1: just having a moment.\n\nChannel 0: yeah.\n\nChannel 1: Oh, hang on. This might\n\nChannel 0: Oh,\n\nChannel 1: be it.\n\nChannel 0: that might be\n\nChannel 1: Signature\n\nChannel 0: it.\n\nChannel 1: request. Is that\n\nChannel 0: Yes.\n\nChannel 1: the one that\n\nChannel 0: Yes. That's the one.\n\nChannel 1: from Morgan?\n\nChannel 0: Yes. That's my colleague.\n\nChannel 1: Okay.\n\nChannel 0: Oh, there we go.\n\nChannel 1: Yep. Okay. Okay. Here. So, yeah, it's got the sign document thing and\n\nChannel 0: Yeah.\n\nChannel 1: then\n\nChannel 0: So if you click on that link, it will actually allow you to view the whole document before it prompts you to sign just to make sure you're obviously happy with everything. And then let me know if that opens up and you can see, like, the cover page is a photo of the Gold Coast and your details.\n\nChannel 1: Okay. Yep. The cover page has got the Gold Coast with your name on there\n\nChannel 0: Yeah.\n\nChannel 1: prepared\n\nChannel 0: Perfect.\n\nChannel 1: for Shani Hayward. Is that the right\n\nChannel 0: Yep.\n\nChannel 1: one?\n\nChannel 0: Yep. So if you just wanna kind of scroll through a little bit, you will see the next one. Is that best interest duty I mentioned?\n\nChannel 1: Yep. Alright.\n\nChannel 0: Table\n\nChannel 1: Let's\n\nChannel 0: of\n\nChannel 1: see\n\nChannel 0: content.\n\nChannel 1: that there.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: Scope of advice, which kind of those areas we are looking at today.\n\nChannel 1: Mhmm.\n\nChannel 0: Limited consideration, which is just insurance just to show the impact it has on your superannuation, but we're not making any changes to\n\nChannel 1: Okay.\n\nChannel 0: it. Limited advice, you will see on page five. That one also just shows you that I'm not a legal practitioner. I can't give you legal advice. Can\n\nChannel 1: Mhmm.\n\nChannel 0: obviously\n\nChannel 1: Sure.\n\nChannel 0: provide you guidance on how to structure things for super insurance purposes and and tax on that side of it. But,\n\nChannel 1: Mhmm.\n\nChannel 0: obviously, I can't give you legal advice.\n\nChannel 1: Sure.\n\nChannel 0: And then underneath that, you will see that little table where it says our advice to\n\nChannel 1: Okay.\n\nChannel 0: you.\n\nChannel 1: For you? Yep.\n\nChannel 0: Yep. So that is essentially the the strategy recommendation today. So I have recommended that you retain your hub twenty four, but change your underlying investments. Also, retain your Mercer super, but look to change the contribution into Mercer just to make sure we keep those insurances active. And\n\nChannel 1: Sure.\n\nChannel 0: then we'll kind of do rollovers from Mercer to Hub twenty four if appropriate to make sure that your super grows and that you have the most amount of money in the fund that's going to do the best for you.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. Also looking at doing a bit of salary sacrifice as well. So looking at\n\nChannel 1: Yes.\n\nChannel 0: about $20 per week. And\n\nChannel 1: Yes.\n\nChannel 0: then I did include the information about the beneficiary nomination as well because, obviously, we did have that conversation last time. So I have included just some general information in regards to beneficiary nomination and\n\nChannel 1: Okay.\n\nChannel 0: how to set it up and stuff like that for you as well. Yep. Now the next two pages is that personal information. If you could have a little read over that for me.\n\nChannel 1: Health issues. I don't know if you you don't put my previous cancer thing in there, do you? Because I had breast cancer in '22.\n\nChannel 0: Yeah. No. Not\n\nChannel 1: You\n\nChannel 0: anymore.\n\nChannel 1: don't need to worry\n\nChannel 0: We we\n\nChannel 1: about\n\nChannel 0: have\n\nChannel 1: that. I'm in remission.\n\nChannel 0: No.\n\nChannel 1: So, yeah,\n\nChannel 0: Yes.\n\nChannel 1: I don't have it yet. I just I I\n\nChannel 0: Yeah.\n\nChannel 1: I know I mentioned it in the past,\n\nChannel 0: Yes.\n\nChannel 1: but I just wanted to make sure it doesn't change anything in there.\n\nChannel 0: No. We we do have it on the record. So if we needed to, you know, revisit insurances, but, obviously, because of the medical history and the time frame, they need to wait a bit longer before, like, other providers are willing to offer cover because\n\nChannel 1: Sure.\n\nChannel 0: of it. But because you don't like you said, you are in remission now, you don't right now have any health issues, we just kind of put it as no, but we do have\n\nChannel 1: Okay.\n\nChannel 0: that information\n\nChannel 1: Oh, wait.\n\nChannel 0: about your\n\nChannel 1: Okay.\n\nChannel 0: history as well. Yeah.\n\nChannel 1: Yep. That's good. No. That's perfect. Everything looks\n\nChannel 0: Yeah.\n\nChannel 1: fine on there. Yep.\n\nChannel 0: Perfect. And the next page as well, does that all look good?\n\nChannel 1: Yep. Yep. Personal name. Yep. That's fine.\n\nChannel 0: Yep.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. You can see underneath that, you have your hub 24 and your Mercer super.\n\nChannel 1: Mhmm.\n\nChannel 0: You do have your life and total permanent disability within Mercer. So a 170,000, which is only costing $228 a year. Yep. The next page for me is where it says your risk profile. Can you see that okay?\n\nChannel 1: Yeah. I can see that.\n\nChannel 0: Yeah.\n\nChannel 1: Mhmm.\n\nChannel 0: Perfect. Now this is kind of when we went through those questions to see how you feel about fluctuations and market risk and what your goals are in regards to your superannuation.\n\nChannel 1: Mhmm.\n\nChannel 0: So it kind of came out as a high growth investor. From a time frame point of view, it's definitely suitable because you do have quite a bit of time until retirement in order to kind of focus on growing your superannuation. So I'm not making any changes through the risk profile. It's just looking at moving into that estimate structure for you. Yep.\n\nSo you can kind of have a read over that again in your own time. Just a little bit more information on your typical high growth portfolio.\n\nChannel 1: Yep.\n\nChannel 0: You'll see a little pie chart as well. But, typically, you have about ninety ten. So about 90 to 95 in your growth assets. So, like, Australian shares, the international shares, property, and commodities. And then you have about 10 to five in that defensive, like your cash, your gold, your fixed interest.\n\nYep. The next page and it is quite wordy, and a lot of it is also to make sure that you fully understand everything. But on page 10, you'll basically see everything kind of broken down\n\nChannel 1: Okay.\n\nChannel 0: for you. So I have recommended you retain Hub twenty four. Now I did do research on Hub twenty four just to make sure it's still the best super platform for you. Because there's\n\nChannel 1: Mhmm.\n\nChannel 0: always new products and features coming out, so it is good to kind of just reassess it every now and then to make sure it's the best option for you, and it still very much is. It is very competitive with similar options that do have their flexibility with investment choices to try to build that portfolio. But Hub 24 was a little bit cheaper, which is great, and still kind of gives you the same flexibility. And I use Hub 24 for my personal super as well. And I wouldn't be using it if I didn't think it was good, and I wouldn't tell you to use it either.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Now we are obviously returning sorry, retaining that Merfa suit before you just for the purpose of keeping those insurances.\n\nChannel 1: Mhmm.\n\nChannel 0: And to be safe, like I said, I have recommended that we redirect the contributions, that we will send you the form and stuff to make it nice and easy. That is just because I don't want at any point in time those insurances lapse. So while you have contributions going in through the fund, there is no there's no concern for it. Typically, as well, you wanna make sure that the dispute balance stays above 6,000, which it\n\nChannel 1: Mhmm.\n\nChannel 0: is at the moment. And if you put contributions, there's no risk for it. If ever in you know, if it's a situation where you are not working for a long period of time, typically sixteen months or so, there's no contributions going, that's when Mercer can say, okay. Well, there's no contributions going, and we can cancel it. So we don't want that.\n\nWe\n\nChannel 1: Mhmm.\n\nChannel 0: can also complete an opt in form, which, again, we will help you with, and that is just to say to Mercer that we wanna keep those insurances active Even if at some point you are not contributing to the fund or if your super balance do drop a little bit, we wanna keep those insurances. So we will\n\nChannel 1: Okay.\n\nChannel 0: kind of help you through those forms.\n\nChannel 1: Mhmm.\n\nChannel 0: Does that all make sense so\n\nChannel 1: Yes.\n\nChannel 0: far?\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: Yep. Great. Perfect. Now as you scroll through, you will also see a couple of advantages with the recommendation, some\n\nChannel 1: Yes.\n\nChannel 0: disadvantages, and some risks to be mindful of as well. Now a lot of it is then outlined in a table for you a little bit later showing you all\n\nChannel 1: Okay.\n\nChannel 0: the numbers. But,\n\nChannel 1: Mhmm.\n\nChannel 0: essentially, do you remember kind of us talking about the SMA and the concept around it last time.\n\nChannel 1: I do. Yes.\n\nChannel 0: Yep. Perfect. So I did do research on the SMA as well as other portfolio options just to make sure that the SMA was still going to be affordable for you. It's going to minimize capital gains tax and put you in the best position. And\n\nChannel 1: Mhmm.\n\nChannel 0: after doing all the research, it was it was a really good suitable match for you.\n\nChannel 1: Okay.\n\nChannel 0: So I have recommended that we make the switch, and the really good thing with the SMA is that it gives us that flexibility. So if there are anything drastic that happens in the market, which at the moment, we're obviously seeing a bit of volatility and stuff around the world, and the last twelve months have, you know, seen a few things as well,\n\nChannel 1: Yeah.\n\nChannel 0: it means it means that we very easy and quickly can make those changes if need be. You still get notified of any changes we do to your investments, and we always have to follow the best interest duty and always\n\nChannel 1: Okay.\n\nChannel 0: follow all the, you know, all the ethics and legislation. We always have to do that for you and always make sure that if we do make a change, it is in your best interest, and it is going to put you in a better position. But it means that with the SMA concept, we can make those changes quickly for you to try to minimize any losses if there are a bit of volatility in some market, which means that it's obviously a lot quicker.\n\nChannel 1: Okay.\n\nChannel 0: Yep. And then also because we have joined with BlackRock, we also get access to all their investment knowledge and expertise and all their research tools, which again kind of helps us in constructing the portfolio and also kind of minimizing the risk with investments, and trying to keep that as low as possible.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Does that make sense? I know it's probably a lot.\n\nChannel 1: Yes. Yeah. No. It does. It does.\n\nYep. Thank\n\nChannel 0: Yeah.\n\nChannel 1: you.\n\nChannel 0: Perfect. Now if you do wanted to read up a little bit more on everything as well, in those supporting documents, which was when you get out of the email, those other attachments, there\n\nChannel 1: Sure.\n\nChannel 0: is actually a product disclosure statement about the SMA as well. So if you wanted to have a read on a bit more on through it as well, it's all in there. But it's also a little bit more explained in this document as well. So, again, when you have some time, have a read over it, and any questions, let me know.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Now let me see here. One of the risks is that there's always a level of risk associated with any investment option.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Now if you kind of scroll down to page 14, you will also see kind of alternatives consider. Can you see\n\nChannel 1: Yep.\n\nChannel 0: that okay? Yep.\n\nChannel 1: Yes. I can. Yes.\n\nChannel 0: So kind of like I mentioned earlier, I did consider rolling the your super into another option, and I did consider a couple of option. The one that was the most competitive was my North, which is quite similar to Hub twenty four. But\n\nChannel 1: Okay.\n\nChannel 0: by doing so, because your super has gone up and done pretty good, by doing the switch, it would mean that it would be a lot larger capital gains tax\n\nChannel 1: Right.\n\nChannel 0: by selling the investments. And it just wasn't worth it when hub twenty four is very competitive as it is already.\n\nChannel 1: Okay. Yep. No. That's good. I'm\n\nChannel 0: Yep.\n\nChannel 1: glad\n\nChannel 0: Yep.\n\nChannel 1: here.\n\nChannel 0: Perfect. Which then kind of takes us through the investment. So that is page 15.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Now as you can see here, the the previous structure, kind of like with Tyson, was a little bit different. You can see each and every single one of the investments,\n\nChannel 1: Mhmm.\n\nChannel 0: and we are moving that into the SMA. Now\n\nChannel 1: Okay.\n\nChannel 0: the SMA, it's just called Bloom. That's just the option that aligns with your high growth portfolio. So within\n\nChannel 1: Right.\n\nChannel 0: that investment option, you still have a range of different investments to diversify your portfolio. Everything, it's still very much there, but it just gives\n\nChannel 1: Mhmm.\n\nChannel 0: us that flexibility of swapping investments for you if something were to happen. And when we do you know, if you are happy to go ahead and make the change, when you actually go into Hub twenty four yourself, you will see then Oakview SMA Bloom, but you can actually click on it, and you can then drop down and see all the individual investments as well. So\n\nChannel 1: Mhmm.\n\nChannel 0: you still\n\nChannel 1: Okay.\n\nChannel 0: have that oversized.\n\nChannel 1: Okay. Great.\n\nChannel 0: Yep. Perfect. Does that still make sense so far?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. The next page, you will then see just the Merced investment for you. Not making any changes. Just keeping that one, which\n\nChannel 1: K.\n\nChannel 0: is\n\nChannel 1: Then\n\nChannel 0: just that\n\nChannel 1: active.\n\nChannel 0: default.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. That one kinda\n\nChannel 1: Okay.\n\nChannel 0: follows more like the age the age group. So then the older you get, they kind of then tend to slowly get more defensive, because you might be a little bit less tolerant to risk when you get closer to retirement.\n\nChannel 1: Okay. Sure.\n\nChannel 0: Yep. Perfect. Now not too much more to go, and I will let you go. But, basically, on the next page, you will see that risk profile. Can you see that little pie chart and table?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep. So you can see the risk profile is around that ninety ten split, the growth to the defensive, your existing portfolio, and then the proposed. So it still aligns within that ninety ninety five to 10 to five\n\nChannel 1: Mhmm.\n\nChannel 0: to try and grow that for you.\n\nChannel 1: Okay.\n\nChannel 0: Yep. The next page is where you see everything kind of broken down into all the fees and the returns. Can you see that okay?\n\nChannel 1: I can. Yes.\n\nChannel 0: Yep. Perfect. So the good thing with making the change, even though we are swapping a lot of the investments out, by doing so, the only capital gains that will be payable within super is about $88, which is pretty good.\n\nChannel 1: Yeah.\n\nChannel 0: Now\n\nChannel 1: Yeah.\n\nChannel 0: that that will be paid within super, so you obviously don't have to pay for it, but it will come out of your super investments when we make the change.\n\nChannel 1: Okay.\n\nChannel 0: Yep. It can vary a little bit as well because the rates and stuff do fluctuate on a daily, but it will be around that $88, which which is pretty good.\n\nChannel 1: Yes. Sure.\n\nChannel 0: Yep. Now, otherwise, there's no major changes. The fee like, our adviser fee stays the same. Contributions are changing, like I said, to Mercer. And the reason why it is a little bit more as well is because of that salary sacrifice for you.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Yep. Obviously, your insurances are not changing. The good thing as well, though, is that if you look on the investment fee at row and also the administration\n\nChannel 1: Mhmm.\n\nChannel 0: fee row, by actually making the change. The investments in the SMA are quite a bit cheaper than those in your current portfolio, which is good.\n\nChannel 1: Right. Yeah. That is good. Yes.\n\nChannel 0: And it's also making because the SMA is available on there are kind of like a cheaper platform in Hub 24.\n\nChannel 1: Mhmm.\n\nChannel 0: It gives you access to a little bit cheaper discount on administration fees as well, which is also\n\nChannel 1: Okay.\n\nChannel 0: reducing the fees, which is\n\nChannel 1: That's\n\nChannel 0: nice.\n\nChannel 1: good. Yeah. That's good.\n\nChannel 0: Yeah. So you can see the total cost saving is around 986, which does make a pretty big difference when you are compounding things.\n\nChannel 1: Yes. For sure.\n\nChannel 0: Yeah. And aside from that, the the good thing as well is that the recommended portfolio in hub twenty fours and moving into the SMA, when we are looking at a historical five year rolling average, it has done better than your current portfolio as well,\n\nChannel 1: Okay.\n\nChannel 0: which is good.\n\nChannel 1: Mhmm.\n\nChannel 0: Can you say that okay?\n\nChannel 1: Yes.\n\nChannel 0: Yep.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now on the next page, you\n\nChannel 1: Mhmm.\n\nChannel 0: can then see where we have kind of projected everything forward for you for five and ten years just to see roughly where things will be at if things kind of stays the same.\n\nChannel 1: Okay.\n\nChannel 0: So you can kind of see the difference that in, you know, about the ten years, it still makes a difference of about\n\nChannel 1: Mhmm.\n\nChannel 0: 50,000 just by making those changes, saving a bit of investment fees, improving the returns a little bit, and then just doing that $20 per week extra contribution.\n\nChannel 1: Sure.\n\nChannel 0: Yep. Perfect. Now underneath that, you can then also see the difference between the current and the recommended portfolio. But you can see that if we are looking more kind of further back in time, your current portfolio was doing really good, and that was why it was kind of recommended and put in place. But more recently, they are starting to to decline.\n\nAnd the biggest thing was that Benelon one I mentioned last time as\n\nChannel 1: Yes.\n\nChannel 0: well.\n\nChannel 1: Mhmm.\n\nChannel 0: So if we were to leave everything the way that they are, we do think that for the next year or so, it would kind of continue to go down a little bit. But we do\n\nChannel 1: Right.\n\nChannel 0: wanna\n\nChannel 1: Okay.\n\nChannel 0: stop that out of it. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Any questions so far?\n\nChannel 1: No. That's fine.\n\nChannel 0: No. Perfect. Now the other thing is that showing you a little bit about the salary sacrifice.\n\nChannel 1: Yes.\n\nChannel 0: Now this can look a little bit messy, but, basically, by doing $20 per week, it's obviously pretax, which is what's really good. And contributions going in through superannuation is only taxed at 15%, which is lower than your marginal tax rate. So\n\nChannel 1: Okay.\n\nChannel 0: the good thing is that you are continue through adding and boosting your superannuation, which will compound and invest. But on the flip side, you are also saving a little bit in tax, which is nice. Yeah. So this, like I said, can\n\nChannel 1: Mhmm.\n\nChannel 0: look a bit messy, but it shows you basically your salary. It shows you the salary sacrifice. It shows you a yearly, the taxable income, the tax you will pay on the taxable income, and then the net income, the after tax for you.\n\nChannel 1: Yes.\n\nChannel 0: And then underneath it, it shows your contribution. So your employer contribution, so what your employer pays, the salary sacrifice, the tax on the contributions, and then the\n\nChannel 1: Mhmm.\n\nChannel 0: total net contribution.\n\nChannel 1: Okay.\n\nChannel 0: Does that make\n\nChannel 1: Mhmm.\n\nChannel 0: sense as well?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep. Great. Perfect. Now on the next couple of pages, I'll let you have a read over that in your own time. It's kind of what we've gone through as well.\n\nThe,\n\nChannel 1: Sure.\n\nChannel 0: you know, the big advantage by making contributions is you are contributing through your retirement, boosting superannuation. The money is also invested, so they obviously grow a bit quicker than if they just sit in on a savings account.\n\nChannel 1: Mhmm.\n\nChannel 0: You also save in, obviously, that tax, which is nice.\n\nChannel 1: Sure.\n\nChannel 0: The disadvantage is that because you are making it into superannuation, it will stay locked in until you meet a condition of release. For example, turning 60 and retiring. Yep. Otherwise, one of the risk is as well that there's always, you know, a a risk that legislation could change. But now the rule is that you can access it for at 60 when you stop when you retire, but that could obviously change in the future.\n\nWe don't obviously know what they are potentially\n\nChannel 1: Yeah. Exactly.\n\nChannel 0: going to change. Yeah. Unfortunately. Oh, same. Basically, at the end, it just shows that legal personal representative we touched on in the beginning for the beneficiary, and that is just so you can then nominate exactly who you want.\n\nChannel 1: Okay. Sure.\n\nChannel 0: Yeah. Again, it's just a little bit of information for you in regards to the legal personal representative, which is kind of what we touched on in the beginning as well that gives you\n\nChannel 1: Mhmm.\n\nChannel 0: the peace of mind. But, obviously,\n\nChannel 1: Mhmm.\n\nChannel 0: your state will be divided after you wish it, and you can then nominate whoever you want.\n\nChannel 1: Sure.\n\nChannel 0: Yep. Now lastly, you will see our ongoing services. So as you would know, we would we obviously do your annual review every twelve months. If you want more frequent catch ups, we can most definitely do so. If there is anything you need in the meantime, though, you could always give us a call or send us an email whenever you want to.\n\nIf there\n\nChannel 1: Mhmm.\n\nChannel 0: are other areas that you want to discuss and advance advice on as well, it again, it is part of that ongoing advice fee. Yep. Which is\n\nChannel 1: Sure.\n\nChannel 0: just highlighted again on page 27 for you. Just showing you that there's no changes whatsoever through the fee. It stays the same at 1.65. So if you're happy and you would like to go ahead with this change, there's no additional charges or anything like that to implement everything. It is all part of that ongoing service.\n\nChannel 1: Okay. Mhmm.\n\nChannel 0: Yep. And then it just basically outlines the authority to proceed. So that is if you're happy to go ahead with the change, what we are looking to do, which is obviously switching over the hub 24 to the SMA. We wanna change your contributions to. We will send you the details as well so you can start making the salary sacrifice or if you're happy to speak to your employer, whichever is the easiest for you.\n\nAnd\n\nChannel 1: Mhmm.\n\nChannel 0: then you already have those forms with the beneficiaries, which is good.\n\nChannel 1: Yes.\n\nChannel 0: So we'll keep an eye on on those and then get that uploaded to make sure that's all updated for you.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: Perfect. Now that was basically everything that I needed to go through on my end. So do you\n\nChannel 1: Mhmm.\n\nChannel 0: have any other questions, or what are your thoughts with everything?\n\nChannel 1: No. It seems to be tracking pretty well. I think I think I'm pretty happy with it. We think everything's tracking okay, and\n\nChannel 0: Yeah.\n\nChannel 1: it's growing, like, at a rate that's pretty reasonable considering.\n\nChannel 0: Yeah. Yeah. Oh, that's good.\n\nChannel 1: Oh, that's good.\n\nChannel 0: Yeah. So, basically, from here, the the process is that if you want to go ahead and make the change, we will just need you to press sign in that link. It will\n\nChannel 1: Mhmm.\n\nChannel 0: then come through to me, and I will get the let the team know, and we can then start implementing that. But like I said, obviously, if you are at work and you want to take a bit of time to read over it as well, that is no problem at all either.\n\nChannel 1: Okay. Sure.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So if you don't have any other questions for me, I will let you go so you can finish up at work and then head home. But\n\nChannel 1: Thank\n\nChannel 0: if\n\nChannel 1: you.\n\nChannel 0: there is anything else that you do need or any other questions, just let me know. Otherwise, I'll kind of keep a look at to see if that comes through, if you wanna implement it, or what your thoughts are.\n\nChannel 1: Yep. Okay. Great.\n\nChannel 0: Yep.\n\nChannel 1: Thank you.\n\nChannel 0: No problem at all. I hope you enjoy the rest of your day, and thank you so much for your time today.\n\nChannel 1: Thank you, Veronica. You too. Thank you.\n\nChannel 0: No problem. We'll speak soon.\n\nChannel 1: See you soon. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":9.36,"end":9.86,"sentiment":"neutral","sentiment_score":0.046402305364608765}],"sentiment":"neutral","sentiment_score":0.046402305364608765,"channel":1,"num_words":1,"start":9.36,"end":9.86},{"sentences":[{"text":"Good afternoon.","start":10.639999,"end":11.38,"sentiment":"neutral","sentiment_score":0.302300363779068},{"text":"This is Veronica from Oakview Financial.","start":11.44,"end":13.46,"sentiment":"neutral","sentiment_score":0.21794469157854715},{"text":"How are you?","start":13.5199995,"end":14.34,"sentiment":"neutral","sentiment_score":0.18013053635756174}],"sentiment":"neutral","sentiment_score":0.22296913510019128,"channel":0,"num_words":11,"start":10.639999,"end":14.34},{"sentences":[{"text":"Good, Veronica.","start":14.575001,"end":15.375,"sentiment":"positive","sentiment_score":0.40952393412590027},{"text":"How are you?","start":15.375,"end":16.275002,"sentiment":"neutral","sentiment_score":0.2778849850098292}],"sentiment":"neutral","sentiment_score":0.33054056465625764,"channel":1,"num_words":5,"start":14.575001,"end":16.275002},{"sentences":[{"text":"I'm good.","start":16.505001,"end":17.385,"sentiment":"positive","sentiment_score":0.600976973772049},{"text":"Thanks.","start":17.385,"end":17.885,"sentiment":"positive","sentiment_score":0.7105586528778076}],"sentiment":"positive","sentiment_score":0.6375042001406351,"channel":0,"num_words":3,"start":16.505001,"end":17.885},{"sentences":[{"text":"That's good.","start":18.415,"end":19.155,"sentiment":"positive","sentiment_score":0.706300675868988}],"sentiment":"positive","sentiment_score":0.706300675868988,"channel":1,"num_words":2,"start":18.415,"end":19.155},{"sentences":[{"text":"I had you booked in to go over your strategy recommendation.","start":18.744999,"end":22.205,"sentiment":"neutral","sentiment_score":0.3322481702674519},{"text":"Is now still a good time?","start":22.505001,"end":23.805,"sentiment":"neutral","sentiment_score":0.20421665906906128}],"sentiment":"neutral","sentiment_score":0.28706057807978463,"channel":0,"num_words":17,"start":18.744999,"end":23.805},{"sentences":[{"text":"Yes.","start":24.015,"end":24.335,"sentiment":"neutral","sentiment_score":0.184881329536438},{"text":"That's fine.","start":24.335,"end":24.895,"sentiment":"neutral","sentiment_score":0.31114326417446136},{"text":"Thank you.","start":24.895,"end":25.635,"sentiment":"positive","sentiment_score":0.5833305716514587}],"sentiment":"positive","sentiment_score":0.3947658002376556,"channel":1,"num_words":5,"start":24.015,"end":25.635},{"sentences":[{"text":"Yep.","start":25.305,"end":25.805,"sentiment":"neutral","sentiment_score":0.22253894805908203},{"text":"Perfect.","start":25.945,"end":26.445,"sentiment":"positive","sentiment_score":0.3848332166671753},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay?","start":26.94,"end":34.48,"sentiment":"neutral","sentiment_score":0.0452099559379035},{"text":"Yep.","start":35.9,"end":36.4,"sentiment":"neutral","sentiment_score":0.03195702284574509},{"text":"And just to confirm I am speaking with the right person, would you be able just to confirm your full name, date of birth, and address for me, please?","start":36.54,"end":44.364998,"sentiment":"neutral","sentiment_score":0.02735258131448565}],"sentiment":"neutral","sentiment_score":0.0449777502932998,"channel":0,"num_words":61,"start":25.305,"end":44.364998},{"sentences":[{"text":"Yeah.","start":45.085,"end":45.405,"sentiment":"neutral","sentiment_score":0.02198021858930588},{"text":"Sure.","start":45.405,"end":45.645,"sentiment":"neutral","sentiment_score":0.02521958202123642},{"text":"It's at Shani Hayward, 18 Bay Laramie, New South Wales, and 10/1980.","start":45.645,"end":50.94,"sentiment":"neutral","sentiment_score":0.040055185866852604}],"sentiment":"neutral","sentiment_score":0.03770443078662668,"channel":1,"num_words":14,"start":45.085,"end":50.94},{"sentences":[{"text":"Great.","start":51.4,"end":51.72,"sentiment":"positive","sentiment_score":0.5913563966751099},{"text":"Perfect.","start":51.72,"end":52.2,"sentiment":"positive","sentiment_score":0.6459407806396484},{"text":"That's exactly what I have here.","start":52.2,"end":53.72,"sentiment":"positive","sentiment_score":0.6230365435282389},{"text":"And how's your day been so far?","start":53.72,"end":55.32,"sentiment":"neutral","sentiment_score":0.15919881526912963},{"text":"Been busy?","start":55.32,"end":55.980003,"sentiment":"neutral","sentiment_score":-0.02963890414685011}],"sentiment":"positive","sentiment_score":0.3547429610043764,"channel":0,"num_words":17,"start":51.4,"end":55.980003},{"sentences":[{"text":"Been busy.","start":56.219997,"end":56.94,"sentiment":"neutral","sentiment_score":0.004386900924146175},{"text":"Yes.","start":56.94,"end":57.26,"sentiment":"neutral","sentiment_score":0.048324037343263626}],"sentiment":"neutral","sentiment_score":0.019032613063851993,"channel":1,"num_words":3,"start":56.219997,"end":57.26},{"sentences":[{"text":"Yeah.","start":57.24,"end":57.74,"sentiment":"neutral","sentiment_score":0.04518894851207733}],"sentiment":"neutral","sentiment_score":0.04518894851207733,"channel":0,"num_words":1,"start":57.24,"end":57.74},{"sentences":[{"text":"Yeah.","start":57.26,"end":57.76,"sentiment":"neutral","sentiment_score":0.03541835770010948}],"sentiment":"neutral","sentiment_score":0.03541835770010948,"channel":1,"num_words":1,"start":57.26,"end":57.76},{"sentences":[{"text":"Almost at the end, though, or do you got a bit more to go?","start":57.800003,"end":60.940002,"sentiment":"neutral","sentiment_score":0.0028409866083945546}],"sentiment":"neutral","sentiment_score":0.0028409866083945546,"channel":0,"num_words":14,"start":57.800003,"end":60.940002},{"sentences":[{"text":"No.","start":60.86,"end":61.18,"sentiment":"neutral","sentiment_score":-0.02560634538531303},{"text":"I finish in an hour.","start":61.18,"end":62.64,"sentiment":"neutral","sentiment_score":-0.004339010268449783},{"text":"So that's good.","start":62.78,"end":63.579998,"sentiment":"neutral","sentiment_score":0.18704056243101755},{"text":"So 05:00,","start":63.579998,"end":64.38,"sentiment":"neutral","sentiment_score":0.11193566024303436}],"sentiment":"neutral","sentiment_score":0.06706287373195995,"channel":1,"num_words":11,"start":60.86,"end":64.38},{"sentences":[{"text":"Beautiful.","start":64.275,"end":64.775,"sentiment":"positive","sentiment_score":0.4682175815105438}],"sentiment":"positive","sentiment_score":0.4682175815105438,"channel":0,"num_words":1,"start":64.275,"end":64.775},{"sentences":[{"text":"I finish it.","start":64.38,"end":65.36,"sentiment":"positive","sentiment_score":0.3379210829734802}],"sentiment":"positive","sentiment_score":0.3379210829734802,"channel":1,"num_words":3,"start":64.38,"end":65.36},{"sentences":[{"text":"Oh, that's nice.","start":65.715,"end":66.695,"sentiment":"positive","sentiment_score":0.3496890366077423},{"text":"Now I'm just about to send you the documents to run through quickly.","start":67.395,"end":72.455,"sentiment":"neutral","sentiment_score":0.12743145800553835},{"text":"Do you have access to your emails at the moment","start":72.994995,"end":75.895,"sentiment":"neutral","sentiment_score":0.015013758651912212}],"sentiment":"neutral","sentiment_score":0.10983898655439799,"channel":0,"num_words":26,"start":65.715,"end":75.895},{"sentences":[{"text":"Yeah.","start":75.935005,"end":76.435005,"sentiment":"neutral","sentiment_score":-0.012630066834390163}],"sentiment":"neutral","sentiment_score":-0.012630066834390163,"channel":1,"num_words":1,"start":75.935005,"end":76.435005},{"sentences":[{"text":"or not really right now?","start":75.955,"end":77.735,"sentiment":"neutral","sentiment_score":-0.024840168282389642}],"sentiment":"neutral","sentiment_score":-0.024840168282389642,"channel":0,"num_words":5,"start":75.955,"end":77.735},{"sentences":[{"text":"Okay.","start":78.415,"end":78.655,"sentiment":"neutral","sentiment_score":0.0031411461532115936}],"sentiment":"neutral","sentiment_score":0.0031411461532115936,"channel":1,"num_words":1,"start":78.415,"end":78.655},{"sentences":[{"text":"Mhmm.","start":78.59,"end":79.09,"sentiment":"neutral","sentiment_score":0.0020007085986435413}],"sentiment":"neutral","sentiment_score":0.0020007085986435413,"channel":0,"num_words":1,"start":78.59,"end":79.09},{"sentences":[{"text":"No.","start":78.655,"end":78.895004,"sentiment":"neutral","sentiment_score":-0.03465472534298897},{"text":"I do.","start":78.895004,"end":79.535,"sentiment":"neutral","sentiment_score":-0.018181937746703625},{"text":"But maybe if you could send them to my work one because I'm sitting in 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insurances.","start":1150.96,"end":1167.065,"sentiment":"neutral","sentiment_score":0.050369787495583296},{"text":"So we will","start":1167.285,"end":1167.845,"sentiment":"neutral","sentiment_score":0.05170633147160212}],"sentiment":"neutral","sentiment_score":0.05043774735877069,"channel":0,"num_words":59,"start":1150.96,"end":1167.845},{"sentences":[{"text":"Okay.","start":1167.7051,"end":1168.2051,"sentiment":"neutral","sentiment_score":0.05065085738897323}],"sentiment":"neutral","sentiment_score":0.05065085738897323,"channel":1,"num_words":1,"start":1167.7051,"end":1168.2051},{"sentences":[{"text":"kind of help you through those 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is anything else that you do need or any other questions, just let me know.","start":2062.71,"end":2067.885,"sentiment":"neutral","sentiment_score":0.23110186960548162},{"text":"Otherwise, I'll kind of keep a look at to see if that comes through, if you wanna implement it, or what your thoughts 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you.","start":2074.45,"end":2075.19,"sentiment":"positive","sentiment_score":0.7781684100627899}],"sentiment":"positive","sentiment_score":0.7781684100627899,"channel":1,"num_words":2,"start":2074.45,"end":2075.19},{"sentences":[{"text":"No problem at all.","start":2075.625,"end":2076.4248,"sentiment":"positive","sentiment_score":0.7005762904882431},{"text":"I hope you enjoy the rest of your day, and thank you so much for your time today.","start":2076.4248,"end":2080.605,"sentiment":"positive","sentiment_score":0.8463303479883406}],"sentiment":"positive","sentiment_score":0.8198296102610502,"channel":0,"num_words":22,"start":2075.625,"end":2080.605},{"sentences":[{"text":"Thank you, Veronica.","start":2080.429,"end":2081.409,"sentiment":"positive","sentiment_score":0.7389641801516215},{"text":"You too.","start":2081.549,"end":2082.209,"sentiment":"positive","sentiment_score":0.5394178926944733},{"text":"Thank you.","start":2082.269,"end":2083.009,"sentiment":"positive","sentiment_score":0.6636496782302856}],"sentiment":"positive","sentiment_score":0.6604325260434832,"channel":1,"num_words":7,"start":2080.429,"end":2083.009},{"sentences":[{"text":"No problem.","start":2082.699,"end":2083.419,"sentiment":"positive","sentiment_score":0.38699381053447723},{"text":"We'll speak soon.","start":2083.419,"end":2084.3992,"sentiment":"neutral","sentiment_score":0.3158334990342458}],"sentiment":"positive","sentiment_score":0.34429762363433836,"channel":0,"num_words":5,"start":2082.699,"end":2084.3992},{"sentences":[{"text":"See you soon.","start":2084.509,"end":2085.229,"sentiment":"positive","sentiment_score":0.34312863151232403},{"text":"Bye.","start":2085.229,"end":2085.729,"sentiment":"neutral","sentiment_score":0.2019585371017456}],"sentiment":"neutral","sentiment_score":0.3078361079096794,"channel":1,"num_words":4,"start":2084.509,"end":2085.729},{"sentences":[{"text":"Bye.","start":2086.219,"end":2086.719,"sentiment":"neutral","sentiment_score":-0.11051759868860243}],"sentiment":"neutral","sentiment_score":-0.11051759868860243,"channel":0,"num_words":1,"start":2086.219,"end":2086.719}]},"summary":{"result":"success","short":"The representative from Oakview Financial discusses the process of a legal nomination process with the customer, emphasizing the need for a will and the legal representative's professional experience. The customer is given different forms and documents for the process, including signing and witnessed them. The speaker emphasizes the importance of retaining and changing investments for financial security and provides guidance on risk profiles and fees. The speaker recommends Hub 24 as a cheaper and more flexible platform for the customer, and provides detailed information on retirement plans and savings. The speaker emphasizes the benefits of contributing to the retirement savings and offers assistance if needed."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, would you be able just to confirm your full name, date of birth, and address for me, please? Yeah. Sure.","start_word":76,"end_word":106,"intents":[{"intent":"Confirm identity","confidence_score":0.02881678}]},{"text":"But while I wait for that to come through, do you want to kind of go through the beneficiary forms and stuff Yes, first?","start_word":333,"end_word":356,"intents":[{"intent":"Complete beneficiary forms","confidence_score":0.30305538}]},{"text":"So it might be easier to did you get it through a lawyer, or did you just do it yourself? No.","start_word":736,"end_word":756,"intents":[{"intent":"Inquire about and explain nomination process","confidence_score":2.739891e-7}]},{"text":"Did you have any questions with the other options as well? Because sometimes they can be confusing if you wanna have the binding or the non lapsing and stuff, or did that make sense? Nominations are valid for three years and all that. But, yeah, maybe you could just explain them on that Yeah.","start_word":917,"end_word":970,"intents":[{"intent":"Provide instructions for naming and naming options","confidence_score":0.000015276393}]},{"text":"And then binding and nonbinding, it is a little bit more self explanatory, but binding means that, basically, the trustee has to follow your wishes, whereas nonbinding means that you say that this is what you want to have happen. But then Mhmm.","start_word":1073,"end_word":1115,"intents":[{"intent":"Negotiate document terms and definitions","confidence_score":2.4348413e-8}]},{"text":"So I have recommended that you retain your hub twenty four, but change your underlying investments.","start_word":2407,"end_word":2422,"intents":[{"intent":"Retain hub twenty four","confidence_score":0.5170378}]},{"text":"So I have recommended that you retain your hub twenty four, but change your underlying investments. Also, retain your Mercer super, but look to change the contribution into Mercer just to make sure we keep those insurances active. And Sure.","start_word":2407,"end_word":2446,"intents":[{"intent":"Change contributions","confidence_score":0.21191752}]},{"text":"then we'll kind of do rollovers from Mercer to Hub twenty four if appropriate to make sure that your super grows and that you have the most amount of money in the fund that's going to do the best for you. Yep. Okay.","start_word":2447,"end_word":2489,"intents":[{"intent":"Manage super super","confidence_score":0.0018564159}]},{"text":"then I did include the information about the beneficiary nomination as well because, obviously, we did have that conversation last time. So I have included just some general information in regards to beneficiary nomination and Okay. how to set it up and stuff like that for you as well.","start_word":2512,"end_word":2560,"intents":[{"intent":"Set up beneficiary nomination","confidence_score":0.5876723}]},{"text":"I don't know if you you don't put my previous cancer thing in there, do you? Because I had breast cancer in '22.","start_word":2584,"end_word":2606,"intents":[{"intent":"Discuss health issues","confidence_score":0.20560424}]},{"text":"Now we are obviously returning sorry, retaining that Merfa suit before you just for the purpose of keeping those insurances. Mhmm.","start_word":3212,"end_word":3232,"intents":[{"intent":"Reassure about merfa suit","confidence_score":0.0020867088}]},{"text":"Now as you scroll through, you will also see a couple of advantages with the recommendation, some Yes. disadvantages, and some risks to be mindful of as well. Now a lot of it is then outlined in a table for you a little bit later showing you all Okay. the numbers. But, Mhmm. essentially, do you remember kind of us talking about the SMA and the concept around it last time. I do.","start_word":3461,"end_word":3533,"intents":[{"intent":"Discuss sma and its benefits","confidence_score":0.028906664},{"intent":"Discuss sma and its benefits","confidence_score":0.013854096}]},{"text":"So I have recommended that we make the switch, and the really good thing with the SMA is that it gives us that flexibility.","start_word":3598,"end_word":3621,"intents":[{"intent":"Consider switching to sma","confidence_score":0.0039373534}]},{"text":"So if there are anything drastic that happens in the market, which at the moment, we're obviously seeing a bit of volatility and stuff around the world, and the last twelve months have, you know, seen a few things as well, Yeah.","start_word":3622,"end_word":3663,"intents":[{"intent":"Understand market dynamics","confidence_score":0.00003130128}]},{"text":"One of the risks is that there's always a level of risk associated with any investment option. Mhmm. Yep.","start_word":3975,"end_word":3993,"intents":[{"intent":"Discuss investing options","confidence_score":0.0031289093}]},{"text":"Now, otherwise, there's no major changes. The fee like, our adviser fee stays the same. Contributions are changing, like I said, to Mercer. And the reason why it is a little bit more as well is because of that salary sacrifice for you. Yeah.","start_word":4627,"end_word":4670,"intents":[{"intent":"Monitor market developments","confidence_score":0.0000057472485}]},{"text":"Now the other thing is that showing you a little bit about the salary sacrifice. Yes.","start_word":5104,"end_word":5119,"intents":[{"intent":"Calculate salary sacrifice","confidence_score":0.06363701}]},{"text":"So your employer contribution, so what your employer pays, the salary sacrifice, the tax on the contributions, and then the Mhmm. total net contribution. Okay.","start_word":5262,"end_word":5286,"intents":[{"intent":"Evaluate contributions","confidence_score":0.008544781}]},{"text":"are other areas that you want to discuss and advance advice on as well, it again, it is part of that ongoing advice fee. Yep.","start_word":5635,"end_word":5659,"intents":[{"intent":"Obtain adviser advice","confidence_score":7.155422e-7}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. This is Veronica from Oakview Financial. How are you?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.20217545330524445},{"text":"Good, Veronica.","start_word":12,"end_word":13,"sentiment":"positive","sentiment_score":0.3972990214824677},{"text":"How are you?","start_word":14,"end_word":16,"sentiment":"neutral","sentiment_score":0.2857989966869354},{"text":"I'm good. Thanks. That's good.","start_word":17,"end_word":21,"sentiment":"positive","sentiment_score":0.6608482003211975},{"text":"I had you booked in to go over your strategy recommendation. Is now still a good time? Yes. That's fine.","start_word":22,"end_word":41,"sentiment":"neutral","sentiment_score":0.2777370512485504},{"text":"Thank you.","start_word":42,"end_word":43,"sentiment":"positive","sentiment_score":0.5619489550590515},{"text":"Yep.","start_word":44,"end_word":44,"sentiment":"neutral","sentiment_score":0.22253894805908203},{"text":"Perfect.","start_word":45,"end_word":45,"sentiment":"positive","sentiment_score":0.3848332166671753},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Yep. And just to confirm I am speaking with the right person, would you be able just to confirm your full name, date of birth, and address for me, please? Yeah. Sure. It's at Shani Hayward, 18 Bay Laramie, New South Wales, and 10/1980.","start_word":46,"end_word":118,"sentiment":"neutral","sentiment_score":0.03608202189207077},{"text":"Great. Perfect. That's exactly what I have here.","start_word":119,"end_word":126,"sentiment":"positive","sentiment_score":0.617167592048645},{"text":"And how's your day been so far? Been busy? Been busy. Yes. Yeah. Yeah. Almost at the end, though, or do you got a bit more to go? No. I finish in an hour. So that's good. So 05:00, Beautiful.","start_word":127,"end_word":166,"sentiment":"neutral","sentiment_score":0.06889166682958603},{"text":"I finish it. Oh, that's nice.","start_word":167,"end_word":172,"sentiment":"positive","sentiment_score":0.344007670879364},{"text":"Now I'm just about to send you the documents to run through quickly. Do you have access to your emails at the moment Yeah. or not really right now? Okay. Mhmm. No. I do. But maybe if you could send them to my work one because I'm sitting in front of that computer. Would that be alright? Or otherwise, I can just forward it on to myself. I think if you can forward, it just has to match Yeah. That's fine. what's in just for your super form. So whatever is listed in hub 24, if it's signed, it just has to match. Otherwise, it won't verify that it's the same person. That's the only reason. Yeah. That's fine. Just flick it through to Sean ID, and then I'll forward it on. Okay.","start_word":173,"end_word":305,"sentiment":"neutral","sentiment_score":0.0463695153594017},{"text":"Perfect. So that's just on its way. So it should come through shortly.","start_word":306,"end_word":318,"sentiment":"positive","sentiment_score":0.378656268119812},{"text":"Technology has been a little bit slow this morning, but, hopefully, that comes through. But while I wait for that to come through, do you want to kind of go through the beneficiary forms and stuff Yes, first? please. Yeah. Yeah. I've So looked at them, and that was about yeah. the extent of my look. Yep. I was like, oh, wow. I don't know what to do now because Yeah. I know I think last time we spoke to mention Yep. that I can't use friends. It has to be someone who is an independent to me. Is that right? Yes and no. Yes. You can't nominate friends directly through Super. So Right. it has to be like a spouse or a a child or someone that is financially dependent in order to nominate it directly through Cooper. You can Mhmm. still nominate friends and family, like, extended family. You can nominate charities and stuff like that. You can nominate kind of anyone that's living, but you would have to do it through the will. So on the excuse me. On the form, you would complete it as a 100% through the legal personal representative, which is one Okay. of the options. Now that basically says that if something were to happen to you, your super and insurances would reverse to your will. And then in the will, you will then stipulate how you want everything distributed. The way the reason you have to do it that way is because super insurance does not form part of an estate asset. So if something were to happen, it doesn't automatically form part of the estate. Now if it is a reason where there is not Mhmm. a valid nomination, then it can revert back through the estate anyway, but it is ultimately up to the trustee. So to make sure it goes to who you want to, which is perfectly fine to have friends. We have a lot of people who have friends or nephews and nieces or anything like that. You would just have to complete the form as a 100% to the legal personal representative, and then you will have to get a will and nominate it through that way. Does that make sense? Yes. Yellow. Yeah. So it is a little bit more convoluted, but you still can give it to them. Okay. Okay. Sure. Yep. Now you can obviously you still have a will in place, I don't do. you? Yeah. Yeah. Yeah. So it might be easier to did you get it through a lawyer, or did you just do it yourself? No. I I have it through my through a lawyer. Yep. Okay.","start_word":319,"end_word":767,"sentiment":"neutral","sentiment_score":0.043161954216343786},{"text":"Oh, well, that's good. It makes it a bit easier too. So I would just say just obviously let them know, Mhmm. and then you can, yeah, nominate however you want. And the good thing with the will as well that it gives you more flexibility that you can do, you know, I would like this to go to this person first or something would happen then this person and stuff like that.","start_word":768,"end_word":840,"sentiment":"positive","sentiment_score":0.496276319026947},{"text":"Whereas with the the beneficiary forms, you just nominate one person. And then if you don't update it and that person is no longer around, then that would just classify it as not having a valid nomination, if that makes sense. Yep. Okay. So just on these forms that I've got, Mhmm. I just need to put in the legal representative person and give them the 100%. Right? Correct. That is Okay. exactly right. Yes. Okay. Did you have any questions with the other options as well? Because sometimes they can be confusing if you wanna have the binding or the non lapsing and stuff, or did that make sense? Nominations are valid for three years and all that. But, yeah, maybe you could just explain them on that Yeah. thing for me.","start_word":841,"end_word":973,"sentiment":"neutral","sentiment_score":0.084403395652771},{"text":"That'd be great.","start_word":974,"end_word":976,"sentiment":"positive","sentiment_score":0.5105516314506531},{"text":"Yeah. Sorry. The lapsing means that it expires every three years. So that Okay. means that you have to complete the form every three years. Mhmm. Non lapsing means that it stays in place until you decide to change it. Okay. So Yeah. a lot of people for convenience prefer to have the non lapsing, so you don't have to worry about it.","start_word":977,"end_word":1039,"sentiment":"neutral","sentiment_score":0.1528346985578537},{"text":"Especially with the will, it's a bit easier.","start_word":1040,"end_word":1047,"sentiment":"positive","sentiment_score":0.4350079894065857},{"text":"Yes.","start_word":1048,"end_word":1048,"sentiment":"neutral","sentiment_score":0.15588700771331787},{"text":"The only downside is that, obviously, if your situation change and you don't update it, Yeah.","start_word":1049,"end_word":1064,"sentiment":"negative","sentiment_score":-0.47180673480033875},{"text":"just something to be mindful of. Okay. Yep. And then binding and nonbinding, it is a little bit more self explanatory, but binding means that, basically, the trustee has to follow your wishes, whereas nonbinding means that you say that this is what you want to have happen. But then Mhmm. it's ultimately up to the trustee to decide what they think or if they think there's someone else that would be better suited for it that can make a claim. So binding gives you more certainty. Okay. Yeah. Gotcha. You think I should know that being in the legal field, but Yeah. it's different areas to what I know what I'm working on in personal It's injury. So it's like a whole lot of very and for me. the even just the terminology Yeah. is very different. So, yeah, you'd think you'd think you'd be but, no, it's very different. And the rules are really different and stuff like that as well. And if you're not in the super environment, then it's different. Whereas for me, we are more across, obviously, everything with super insurances. But if you Yep. were to talk to me about personal injury, then I wouldn't I wouldn't Yeah. know. And I'm only just starting to like, I'm just in the CPD practice. I'm only just taking that back up. So, Yeah. yeah, I'm just still trying to get all my I've been working in work with comps for every twenty years. So it's a big change in TBD and Yes. made her accident to work at Yes. But anyway Exactly. But yeah. So that's the forms anyway. So, okay. obviously, they have to be signed and witnessed because you are making a legal nomination. Mhmm. Then you can either just send it back to us via email if you have access to a scanner, or you can obviously post it back, whatever is easiest for you, and then we'll Mhmm. get that uploaded and sorted. Mhmm. Okay. Sure.","start_word":1065,"end_word":1398,"sentiment":"neutral","sentiment_score":-0.05363850445001425},{"text":"That's Yep. helpful. Perfect.","start_word":1399,"end_word":1402,"sentiment":"positive","sentiment_score":0.4884513318538666},{"text":"Does that answer those questions Yeah. for you?","start_word":1403,"end_word":1410,"sentiment":"neutral","sentiment_score":0.26947709918022156},{"text":"Thank you. That's Yep. great.","start_word":1411,"end_word":1415,"sentiment":"positive","sentiment_score":0.4819856286048889},{"text":"And I'm just Yeah. checking my email. I got it. It doesn't come through Yeah. It says it's been sent on my end. Now sometimes it does end up yet. in the spam In the folder junk. Yeah. as Let me well. have a look. Yeah. I'm working But let from me same just scrape. see. I've done that for Yeah. a lot of marketers. Sometimes it does, yeah, it does take a a little bit. So Maybe just start running through it. That's fine. yeah? And I can Okay. yeah. And I'll I'll trust what you're saying is correct, and I can obviously. It probably will come through by the time like, while it goes through it. The first couple of things are more just kind of housekeeping and stuff like that anyway. Mhmm. Mhmm. So let me know when it does come through, though, and I'll let you know kind of where we're up to. Okay. Yep. Now, otherwise, when it does come through, you will see that you have if you click on the link, it will get you to sign the documents, but that's when you can actually access and view the statement of advice first. Now Okay. aside from that, you'll have a couple of attachments, and they are just kind of supporting documents that goes with it. So all the research that goes into it, but then also all the product disclosure statements on, like, changes in the investment and the SMA and stuff like that for you as well. Okay. Sure. No problem. Yeah. Otherwise, the statement of advice is valid for sixty days from when it was prepared. So you do have a little bit of time if you do wanna think about it and decide what you want to do. Just let me know if you need more time because I'll just have to go and update everything to make sure it's still up to date. But, otherwise, you do have a bit of a time to read over as well. Now you will see on the cover page as well, you will see my details, so you will see my authorized representative number listed there. And I am licensed, obviously, under OQ Financial, and then you have all our contact details and ABN details and everything like that on that cover page for you. Mhmm. On the next page, it just outlines that best interest duty for you again, which is just to say that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense? Yes. It does. Yep.","start_word":1416,"end_word":1874,"sentiment":"neutral","sentiment_score":0.07496197093156429},{"text":"Yes. Perfect. Now you'll have table of content, pretty self explanatory. You have a couple of pages outlining scope of advice, which essentially Uh-huh. is just the area that we are focusing on today. And mainly today, we are looking at your superannuation, making sure that continues to grow so that you can retire comfortably and not have that financial stress, and just review the option of moving into that SMA and potentially changing some of those investments to make sure it's growing a little bit better for you.","start_word":1875,"end_word":1963,"sentiment":"positive","sentiment_score":0.3763517439365387},{"text":"Okay. Yep. Otherwise, we're not making any changes to your insurances or anything like that. It is just simply those investments in superannuation.","start_word":1964,"end_word":1986,"sentiment":"neutral","sentiment_score":0.15199078619480133},{"text":"So nice and easy today.","start_word":1987,"end_word":1991,"sentiment":"positive","sentiment_score":0.7545179128646851},{"text":"You will also have a couple of pages. You will see a section about you, just some personal information. So when you have a moment or when it comes through, just have a read over it just to make sure that's all up to date or if we need to make any changes in the back end for you. And then, also, you will have a page outlining, like, your assets and liabilities and stuff like that as well. Okay. Perfect. Has that still not come through yet? No. Not yet. I'm checking No? my junk again just to make sure. Okay. Might I might be otherwise just having a moment. yeah. Oh, hang on. This might Oh, be it. that might be Signature it. request. Is that Yes. the one that Yes. That's the one. from Morgan? Yes. That's my colleague. Okay. Oh, there we go. Yep. Okay. Okay. Here. So, yeah, it's got the sign document thing and Yeah. then So if you click on that link, it will actually allow you to view the whole document before it prompts you to sign just to make sure you're obviously happy with everything. And then let me know if that opens up and you can see, like, the cover page is a photo of the Gold Coast and your details. Okay. Yep. The cover page has got the Gold Coast with your name on there Yeah.","start_word":1992,"end_word":2228,"sentiment":"neutral","sentiment_score":0.12939321177418223},{"text":"prepared Perfect.","start_word":2229,"end_word":2230,"sentiment":"positive","sentiment_score":0.4281409680843353},{"text":"for Shani Hayward. Is that the right Yep. one? Yep. So if you just wanna kind of scroll through a little bit, you will see the next one. Is that best interest duty I mentioned? Yep. Alright. Table Let's of see content. that there. Yes. Yep. Scope of advice, which kind of those areas we are looking at today. Mhmm. Limited consideration, which is just insurance just to show the impact it has on your superannuation, but we're not making any changes to Okay. it. Limited advice, you will see on page five. That one also just shows you that I'm not a legal practitioner. I can't give you legal advice. Can Mhmm. obviously Sure. provide you guidance on how to structure things for super insurance purposes and and tax on that side of it. But, Mhmm. obviously, I can't give you legal advice. Sure. And then underneath that, you will see that little table where it says our advice to Okay. you. For you? Yep. Yep. So that is essentially the the strategy recommendation today. So I have recommended that you retain your hub twenty four, but change your underlying investments. Also, retain your Mercer super, but look to change the contribution into Mercer just to make sure we keep those insurances active. And Sure.","start_word":2231,"end_word":2446,"sentiment":"neutral","sentiment_score":0.025768710145105917},{"text":"then we'll kind of do rollovers from Mercer to Hub twenty four if appropriate to make sure that your super grows and that you have the most amount of money in the fund that's going to do the best for you.","start_word":2447,"end_word":2487,"sentiment":"positive","sentiment_score":0.3561791181564331},{"text":"Yep. Okay. Yep. Also looking at doing a bit of salary sacrifice as well. So looking at Yes. about $20 per week. And Yes. then I did include the information about the beneficiary nomination as well because, obviously, we did have that conversation last time. So I have included just some general information in regards to beneficiary nomination and Okay. how to set it up and stuff like that for you as well. Yep. Now the next two pages is that personal information. If you could have a little read over that for me. Health issues. I don't know if you you don't put my previous cancer thing in there, do you? Because I had breast cancer in '22. Yeah. No. Not You anymore. don't need to worry We we about have that. I'm in remission. No. So, yeah, Yes. I don't have it yet. I just I I Yeah. I know I mentioned it in the past, Yes. but I just wanted to make sure it doesn't change anything in there. No. We we do have it on the record. So if we needed to, you know, revisit insurances, but, obviously, because of the medical history and the time frame, they need to wait a bit longer before, like, other providers are willing to offer cover because Sure. of it. But because you don't like you said, you are in remission now, you don't right now have any health issues, we just kind of put it as no, but we do have Okay. that information Oh, wait. about your Okay. history as well. Yeah. Yep. That's good. No.","start_word":2488,"end_word":2756,"sentiment":"neutral","sentiment_score":-0.006944074295461178},{"text":"That's perfect. Everything looks Yeah. fine on there.","start_word":2757,"end_word":2764,"sentiment":"positive","sentiment_score":0.51590496301651},{"text":"Yep.","start_word":2765,"end_word":2765,"sentiment":"neutral","sentiment_score":0.306598424911499},{"text":"Perfect.","start_word":2766,"end_word":2766,"sentiment":"positive","sentiment_score":0.6173944473266602},{"text":"And the next page as well, does that all look good? Yep. Yep. Personal name. Yep. That's fine. Yep. Yep. Yep.","start_word":2767,"end_word":2787,"sentiment":"neutral","sentiment_score":0.14597590267658234},{"text":"Perfect.","start_word":2788,"end_word":2788,"sentiment":"positive","sentiment_score":0.4440376460552216},{"text":"You can see underneath that, you have your hub 24 and your Mercer super. Mhmm. You do have your life and total permanent disability within Mercer. So a 170,000, which is only costing $228 a year. Yep. The next page for me is where it says your risk profile. Can you see that okay? Yeah. I can see that. Yeah. Mhmm. Perfect. Now this is kind of when we went through those questions to see how you feel about fluctuations and market risk and what your goals are in regards to your superannuation. Mhmm. So it kind of came out as a high growth investor. From a time frame point of view, it's definitely suitable because you do have quite a bit of time until retirement in order to kind of focus on growing your superannuation. So I'm not making any changes through the risk profile. It's just looking at moving into that estimate structure for you. Yep. So you can kind of have a read over that again in your own time. Just a little bit more information on your typical high growth portfolio. Yep. You'll see a little pie chart as well. But, typically, you have about ninety ten. So about 90 to 95 in your growth assets. So, like, Australian shares, the international shares, property, and commodities. And then you have about 10 to five in that defensive, like your cash, your gold, your fixed interest. Yep. The next page and it is quite wordy, and a lot of it is also to make sure that you fully understand everything. But on page 10, you'll basically see everything kind of broken down Okay. for you. So I have recommended you retain Hub twenty four. Now I did do research on Hub twenty four just to make sure it's still the best super platform for you. Because there's Mhmm.","start_word":2789,"end_word":3099,"sentiment":"neutral","sentiment_score":0.0747579038143158},{"text":"always new products and features coming out, so it is good to kind of just reassess it every now and then to make sure it's the best option for you, and it still very much is. It is very competitive with similar options that do have their flexibility with investment choices to try to build that portfolio. But Hub 24 was a little bit cheaper, which is great, and still kind of gives you the same flexibility. And I use Hub 24 for my personal super as well.","start_word":3100,"end_word":3187,"sentiment":"positive","sentiment_score":0.4813808798789978},{"text":"And I wouldn't be using it if I didn't think it was good, and I wouldn't tell you to use it either. Yes. Yeah. Now we are obviously returning sorry, retaining that Merfa suit before you just for the purpose of keeping those insurances. Mhmm. And to be safe, like I said, I have recommended that we redirect the contributions, that we will send you the form and stuff to make it nice and easy. That is just because I don't want at any point in time those insurances lapse. So while you have contributions going in through the fund, there is no there's no concern for it. Typically, as well, you wanna make sure that the dispute balance stays above 6,000, which it Mhmm. is at the moment. And if you put contributions, there's no risk for it. If ever in you know, if it's a situation where you are not working for a long period of time, typically sixteen months or so, there's no contributions going, that's when Mercer can say, okay. Well, there's no contributions going, and we can cancel it. So we don't want that. We Mhmm. can also complete an opt in form, which, again, we will help you with, and that is just to say to Mercer that we wanna keep those insurances active Even if at some point you are not contributing to the fund or if your super balance do drop a little bit, we wanna keep those insurances. So we will Okay. kind of help you through those forms. Mhmm. Does that all make sense so Yes. far? Mhmm. Yes. Yep.","start_word":3188,"end_word":3457,"sentiment":"neutral","sentiment_score":0.05347529798746109},{"text":"Great. Perfect.","start_word":3458,"end_word":3459,"sentiment":"positive","sentiment_score":0.4982511997222901},{"text":"Now as you scroll through, you will also see a couple of advantages with the recommendation, some Yes. disadvantages, and some risks to be mindful of as well. Now a lot of it is then outlined in a table for you a little bit later showing you all Okay. the numbers. But, Mhmm. essentially, do you remember kind of us talking about the SMA and the concept around it last time. I do. Yes.","start_word":3460,"end_word":3533,"sentiment":"neutral","sentiment_score":0.07198980450630188},{"text":"Yep. Perfect. So I did do research on the SMA as well as other portfolio options just to make sure that the SMA was still going to be affordable for you. It's going to minimize capital gains tax and put you in the best position. And Mhmm. after doing all the research, it was it was a really good suitable match for you. Okay. So I have recommended that we make the switch, and the really good thing with the SMA is that it gives us that flexibility.","start_word":3534,"end_word":3621,"sentiment":"positive","sentiment_score":0.5790489315986633},{"text":"So if there are anything drastic that happens in the market, which at the moment, we're obviously seeing a bit of volatility and stuff around the world, and the last twelve months have, you know, seen a few things as well, Yeah.","start_word":3622,"end_word":3663,"sentiment":"neutral","sentiment_score":0.06902480125427246},{"text":"it means it means that we very easy and quickly can make those changes if need be.","start_word":3664,"end_word":3680,"sentiment":"positive","sentiment_score":0.3808951377868652},{"text":"You still get notified of any changes we do to your investments, and we always have to follow the best interest duty and always Okay. follow all the, you know, all the ethics and legislation.","start_word":3681,"end_word":3715,"sentiment":"neutral","sentiment_score":0.25670570135116577},{"text":"We always have to do that for you and always make sure that if we do make a change, it is in your best interest, and it is going to put you in a better position.","start_word":3716,"end_word":3751,"sentiment":"positive","sentiment_score":0.3651745617389679},{"text":"But it means that with the SMA concept, we can make those changes quickly for you to try to minimize any losses if there are a bit of volatility in some market, which means that it's obviously a lot quicker. Okay. Yep.","start_word":3752,"end_word":3793,"sentiment":"neutral","sentiment_score":0.28519317507743835},{"text":"And then also because we have joined with BlackRock, we also get access to all their investment knowledge and expertise and all their research tools, which again kind of helps us in constructing the portfolio and also kind of minimizing the risk with investments, and trying to keep that as low as possible.","start_word":3794,"end_word":3846,"sentiment":"positive","sentiment_score":0.33516639471054077},{"text":"Okay. Yep. Does that make sense? I know it's probably a lot. Yes. Yeah. No. It does. It does. Yep.","start_word":3847,"end_word":3866,"sentiment":"neutral","sentiment_score":0.029906668700277805},{"text":"Thank Yeah. you. Perfect.","start_word":3867,"end_word":3870,"sentiment":"positive","sentiment_score":0.5561262965202332},{"text":"Now if you do wanted to read up a little bit more on everything as well, in those supporting documents, which was when you get out of the email, those other attachments, there Sure. is actually a product disclosure statement about the SMA as well. So if you wanted to have a read on a bit more on through it as well, it's all in there. But it's also a little bit more explained in this document as well. So, again, when you have some time, have a read over it, and any questions, let me know. Okay. Yep. Now let me see here. One of the risks is that there's always a level of risk associated with any investment option. Mhmm. Yep. Now if you kind of scroll down to page 14, you will also see kind of alternatives consider. Can you see Yep. that okay? Yep. Yes. I can. Yes. So kind of like I mentioned earlier, I did consider rolling the your super into another option, and I did consider a couple of option. The one that was the most competitive was my North, which is quite similar to Hub twenty four. But Okay. by doing so, because your super has gone up and done pretty good, by doing the switch, it would mean that it would be a lot larger capital gains tax Right. by selling the investments. And it just wasn't worth it when hub twenty four is very competitive as it is already. Okay. Yep. No. That's good. I'm Yep. glad Yep. here.","start_word":3871,"end_word":4129,"sentiment":"neutral","sentiment_score":0.041128918528556824},{"text":"Perfect.","start_word":4130,"end_word":4130,"sentiment":"positive","sentiment_score":0.3429272770881653},{"text":"Which then kind of takes us through the investment. So that is page 15. Mhmm. Yep. Now as you can see here, the the previous structure, kind of like with Tyson, was a little bit different. You can see each and every single one of the investments, Mhmm. and we are moving that into the SMA. Now Okay. the SMA, it's just called Bloom. That's just the option that aligns with your high growth portfolio. So within Right. that investment option, you still have a range of different investments to diversify your portfolio. Everything, it's still very much there, but it just gives Mhmm. us that flexibility of swapping investments for you if something were to happen. And when we do you know, if you are happy to go ahead and make the change, when you actually go into Hub twenty four yourself, you will see then Oakview SMA Bloom, but you can actually click on it, and you can then drop down and see all the individual investments as well. So Mhmm. you still Okay. have that oversized. Okay.","start_word":4131,"end_word":4310,"sentiment":"neutral","sentiment_score":0.13849695424238842},{"text":"Great. Yep. Perfect.","start_word":4311,"end_word":4313,"sentiment":"positive","sentiment_score":0.4586295485496521},{"text":"Does that still make sense so far? Yes. Yes. Yep. Yes.","start_word":4314,"end_word":4324,"sentiment":"neutral","sentiment_score":0.20766398310661316},{"text":"Perfect.","start_word":4325,"end_word":4325,"sentiment":"positive","sentiment_score":0.3896391689777374},{"text":"The next page, you will then see just the Merced investment for you. Not making any changes. Just keeping that one, which K. is Then just that active. default. Yep. Yeah. That one kinda Okay. follows more like the age the age group. So then the older you get, they kind of then tend to slowly get more defensive, because you might be a little bit less tolerant to risk when you get closer to retirement. Okay. Sure. Yep. Perfect. Now not too much more to go, and I will let you go. But, basically, on the next page, you will see that risk profile. Can you see that little pie chart and table? Yes. Yes. Yep. So you can see the risk profile is around that ninety ten split, the growth to the defensive, your existing portfolio, and then the proposed. So it still aligns within that ninety ninety five to 10 to five Mhmm. to try and grow that for you. Okay. Yep. The next page is where you see everything kind of broken down into all the fees and the returns. Can you see that okay? I can. Yes. Yep.","start_word":4326,"end_word":4518,"sentiment":"neutral","sentiment_score":0.08953699469566345},{"text":"Perfect. So the good thing with making the change, even though we are swapping a lot of the investments out, by doing so, the only capital gains that will be payable within super is about $88, which is pretty good.","start_word":4519,"end_word":4558,"sentiment":"positive","sentiment_score":0.4609478414058686},{"text":"Yeah. Now Yeah. that that will be paid within super, so you obviously don't have to pay for it, but it will come out of your super investments when we make the change. Okay. Yep.","start_word":4559,"end_word":4593,"sentiment":"neutral","sentiment_score":0.16239722073078156},{"text":"It can vary a little bit as well because the rates and stuff do fluctuate on a daily, but it will be around that $88, which which is pretty good.","start_word":4594,"end_word":4623,"sentiment":"positive","sentiment_score":0.3445833921432495},{"text":"Yes. Sure. Yep. Now, otherwise, there's no major changes. The fee like, our adviser fee stays the same. Contributions are changing, like I said, to Mercer. And the reason why it is a little bit more as well is because of that salary sacrifice for you. Yeah. Sure. Yep. Obviously, your insurances are not changing. The good thing as well, though, is that if you look on the investment fee at row and also the administration Mhmm. fee row, by actually making the change.","start_word":4624,"end_word":4707,"sentiment":"neutral","sentiment_score":0.18495650589466095},{"text":"The investments in the SMA are quite a bit cheaper than those in your current portfolio, which is good.","start_word":4708,"end_word":4726,"sentiment":"positive","sentiment_score":0.4719982147216797},{"text":"Right.","start_word":4727,"end_word":4727,"sentiment":"neutral","sentiment_score":0.29362940788269043},{"text":"Yeah. That is good.","start_word":4728,"end_word":4731,"sentiment":"positive","sentiment_score":0.48135215044021606},{"text":"Yes. And it's also making because the SMA is available on there are kind of like a cheaper platform in Hub 24. Mhmm. It gives you access to a little bit cheaper discount on administration fees as well, which is also Okay. reducing the fees, which is That's nice.","start_word":4732,"end_word":4780,"sentiment":"neutral","sentiment_score":0.22982165217399597},{"text":"good. Yeah. That's good.","start_word":4781,"end_word":4784,"sentiment":"positive","sentiment_score":0.4354841411113739},{"text":"Yeah. So you can see the total cost saving is around 986, which does make a pretty big difference when you are compounding things. Yes. For sure. Yeah. And aside from that, the the good thing as well is that the recommended portfolio in hub twenty fours and moving into the SMA, when we are looking at a historical five year rolling average, it has done better than your current portfolio as well, Okay.","start_word":4785,"end_word":4858,"sentiment":"neutral","sentiment_score":0.2508547008037567},{"text":"which is good.","start_word":4859,"end_word":4861,"sentiment":"positive","sentiment_score":0.35094591975212097},{"text":"Mhmm. Can you say that okay? Yes. Yep. Yes. Yep.","start_word":4862,"end_word":4871,"sentiment":"neutral","sentiment_score":0.097694531083107},{"text":"Perfect.","start_word":4872,"end_word":4872,"sentiment":"positive","sentiment_score":0.47389650344848633},{"text":"Now on the next page, you Mhmm. can then see where we have kind of projected everything forward for you for five and ten years just to see roughly where things will be at if things kind of stays the same. Okay. So you can kind of see the difference that in, you know, about the ten years, it still makes a difference of about Mhmm. 50,000 just by making those changes, saving a bit of investment fees, improving the returns a little bit, and then just doing that $20 per week extra contribution. Sure.","start_word":4873,"end_word":4967,"sentiment":"neutral","sentiment_score":0.2037236439554315},{"text":"Yep. Perfect.","start_word":4968,"end_word":4969,"sentiment":"positive","sentiment_score":0.40439239144325256},{"text":"Now underneath that, you can then also see the difference between the current and the recommended portfolio. But you can see that if we are looking more kind of further back in time, your current portfolio was doing really good, and that was why it was kind of recommended and put in place.","start_word":4970,"end_word":5022,"sentiment":"neutral","sentiment_score":0.11897852271795271},{"text":"But more recently, they are starting to to decline.","start_word":5023,"end_word":5031,"sentiment":"negative","sentiment_score":-0.3744466304779053},{"text":"And the biggest thing was that Benelon one I mentioned last time as Yes. well. Mhmm. So if we were to leave everything the way that they are, we do think that for the next year or so, it would kind of continue to go down a little bit. But we do Right. wanna Okay. stop that out of it. Yeah. Yep. Yep. Any questions so far? No. That's fine. No. Perfect. Now the other thing is that showing you a little bit about the salary sacrifice. Yes. Now this can look a little bit messy, but, basically, by doing $20 per week, it's obviously pretax, which is what's really good. And contributions going in through superannuation is only taxed at 15%, which is lower than your marginal tax rate.","start_word":5032,"end_word":5161,"sentiment":"neutral","sentiment_score":-0.008101346902549267},{"text":"So Okay. the good thing is that you are continue through adding and boosting your superannuation, which will compound and invest. But on the flip side, you are also saving a little bit in tax, which is nice.","start_word":5162,"end_word":5199,"sentiment":"positive","sentiment_score":0.5255257487297058},{"text":"Yeah. So this, like I said, can Mhmm. look a bit messy, but it shows you basically your salary. It shows you the salary sacrifice. It shows you a yearly, the taxable income, the tax you will pay on the taxable income, and then the net income, the after tax for you. Yes. And then underneath it, it shows your contribution. So your employer contribution, so what your employer pays, the salary sacrifice, the tax on the contributions, and then the Mhmm. total net contribution. Okay. Does that make Mhmm. sense as well? Yes. Yes.","start_word":5200,"end_word":5294,"sentiment":"neutral","sentiment_score":0.09501604147647556},{"text":"Yep. Great. Perfect.","start_word":5295,"end_word":5297,"sentiment":"positive","sentiment_score":0.5823420286178589},{"text":"Now on the next couple of pages, I'll let you have a read over that in your own time. It's kind of what we've gone through as well. The, Sure.","start_word":5298,"end_word":5327,"sentiment":"neutral","sentiment_score":0.22662004828453064},{"text":"you know, the big advantage by making contributions is you are contributing through your retirement, boosting superannuation. The money is also invested, so they obviously grow a bit quicker than if they just sit in on a savings account.","start_word":5328,"end_word":5366,"sentiment":"positive","sentiment_score":0.47009724378585815},{"text":"Mhmm.","start_word":5367,"end_word":5367,"sentiment":"neutral","sentiment_score":0.22791767120361328},{"text":"You also save in, obviously, that tax, which is nice.","start_word":5368,"end_word":5377,"sentiment":"positive","sentiment_score":0.40437203645706177},{"text":"Sure. The disadvantage is that because you are making it into superannuation, it will stay locked in until you meet a condition of release. For example, turning 60 and retiring. Yep. Otherwise, one of the risk is as well that there's always, you know, a a risk that legislation could change. But now the rule is that you can access it for at 60 when you stop when you retire, but that could obviously change in the future. We don't obviously know what they are potentially Yeah. Exactly. going to change. Yeah. Unfortunately. Oh, same. Basically, at the end, it just shows that legal personal representative we touched on in the beginning for the beneficiary, and that is just so you can then nominate exactly who you want. Okay. Sure. Yeah. Again, it's just a little bit of information for you in regards to the legal personal representative, which is kind of what we touched on in the beginning as well that gives you Mhmm. the peace of mind. But, obviously, Mhmm. your state will be divided after you wish it, and you can then nominate whoever you want. Sure. Yep. Now lastly, you will see our ongoing services. So as you would know, we would we obviously do your annual review every twelve months. If you want more frequent catch ups, we can most definitely do so. If there is anything you need in the meantime, though, you could always give us a call or send us an email whenever you want to. If there Mhmm. are other areas that you want to discuss and advance advice on as well, it again, it is part of that ongoing advice fee. Yep. Which is Sure. just highlighted again on page 27 for you. Just showing you that there's no changes whatsoever through the fee. It stays the same at 1.65.","start_word":5378,"end_word":5687,"sentiment":"neutral","sentiment_score":0.03924528234187634},{"text":"So if you're happy and you would like to go ahead with this change, there's no additional charges or anything like that to implement everything. It is all part of that ongoing service.","start_word":5688,"end_word":5720,"sentiment":"positive","sentiment_score":0.3815898299217224},{"text":"Okay. Mhmm. Yep. And then it just basically outlines the authority to proceed. So that is if you're happy to go ahead with the change, what we are looking to do, which is obviously switching over the hub 24 to the SMA. We wanna change your contributions to. We will send you the details as well so you can start making the salary sacrifice or if you're happy to speak to your employer, whichever is the easiest for you. And Mhmm. then you already have those forms with the beneficiaries, which is good. Yes. So we'll keep an eye on on those and then get that uploaded to make sure that's all updated for you. Okay.","start_word":5721,"end_word":5836,"sentiment":"neutral","sentiment_score":0.18201003968715668},{"text":"Perfect. Perfect.","start_word":5837,"end_word":5838,"sentiment":"positive","sentiment_score":0.4548057913780213},{"text":"Now that was basically everything that I needed to go through on my end. So do you Mhmm. have any other questions, or what are your thoughts with everything? No. It seems to be tracking pretty well.","start_word":5839,"end_word":5875,"sentiment":"neutral","sentiment_score":0.18876947462558744},{"text":"I think I think I'm pretty happy with it.","start_word":5876,"end_word":5884,"sentiment":"positive","sentiment_score":0.40976738929748535},{"text":"We think everything's tracking okay, and Yeah. it's growing, like, at a rate that's pretty reasonable considering. Yeah. Yeah.","start_word":5885,"end_word":5903,"sentiment":"neutral","sentiment_score":0.2794082462787628},{"text":"Oh, that's good. Oh, that's good.","start_word":5904,"end_word":5909,"sentiment":"positive","sentiment_score":0.447838693857193},{"text":"Yeah. So, basically, from here, the the process is that if you want to go ahead and make the change, we will just need you to press sign in that link. It will Mhmm. then come through to me, and I will get the let the team know, and we can then start implementing that. But like I said, obviously, if you are at work and you want to take a bit of time to read over it as well, that is no problem at all either. Okay. Sure. Yeah.","start_word":5910,"end_word":5999,"sentiment":"neutral","sentiment_score":0.1991554631127251},{"text":"Yep. Perfect. So if you don't have any other questions for me, I will let you go so you can finish up at work and then head home. But Thank if you.","start_word":6000,"end_word":6031,"sentiment":"positive","sentiment_score":0.3638972043991089},{"text":"there is anything else that you do need or any other questions, just let me know. Otherwise, I'll kind of keep a look at to see if that comes through, if you wanna implement it, or what your thoughts are. Yep.","start_word":6032,"end_word":6072,"sentiment":"neutral","sentiment_score":0.20136690139770508},{"text":"Okay. Great. Yep. Thank you. No problem at all. I hope you enjoy the rest of your day, and thank you so much for your time today. Thank you, Veronica. You too. Thank you. No problem.","start_word":6073,"end_word":6108,"sentiment":"positive","sentiment_score":0.7156702280044556},{"text":"We'll speak soon. See you soon. Bye. Bye.","start_word":6109,"end_word":6116,"sentiment":"neutral","sentiment_score":0.26381057500839233}],"average":{"sentiment":"neutral","sentiment_score":0.12932135289593594}}}}