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Is now still a good time there for you? Yep. Oh, fantastic. Before we jump into the call, Nick, I just have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Lovely. And just to do security there with you as well, I just got you confirm your full name, your date of birth, and address I should have on file for you. Beautiful. Thank you so much for that. How's everything been? I know we spoke about two weeks ago there, but how's everything been since we spoke? How's the job hunting going? Yeah. Yeah. Yeah. Oh, well, we'll keep our fingers crossed for you, and we'll definitely make sure we catch up. I've updated the advice just to reflect your current circumstances. And, look, when you get a new job, let me know, and we'll definitely come back and reassess the advice again. There's no limit to how many advice documents I can do in a year. It's whenever your life changes, whenever your goals change, I will go through and update those advice documents for you. Okay? Beautiful. Now I'm just I'm just gonna send this one through to you via Otis, I'm gonna see your email. Are you able to jump into your emails there at all? Yep. That that's okay. There we go. Beautiful. Now you may you may have mentioned that you're on speaker. You're happy for me to continue with everything? Yep. Beautiful. Excellent. Okay. Now when that comes through, there is a button that says sign. I don't ever want you to sign anything you haven't read, but you just click the button so it allows you to go through to the next page. Alternatively, there are some links from the bottom. Oh, beautiful. Beautiful. So the first page there, Nick, it has down that the advice document has been prepared for yourself as of the 04/21/2026 of today's date. Now all of our advice documents are valid for sixty days. However, if you do just sign outside of that sixty days, we just need to go through and make sure there's no changes to your circumstances. The document has been prepared by myself, Dana Taylor, and my authorized representative number registered with ASIC is 1304394. Okay. Fantastic. Now to make this a bit easier, I will let you go back and have a really good read of the document later. Feel free to have a look at all the information there for you and all your advantages, disadvantages, and risks involved because there are quite a few pages. What I'll do is I'll direct you to the main sections to run you through the advice, and then I'll let you go back and have a read for a read of it as well. Okay? Beautiful. Now if you can scroll down to page number 19 for me there, it should have the heading investment. Yep. Beautiful. So with this advice document, the main part of it is around the superannuation side of things. So we are gonna have to retain QSuper for the moment. Just because of the change in your employment status means we wanna keep that that TPD and the income protection component attached. This has been unemployed at the moment. We're not able to apply for new disability cover, so we wanna keep that for the moment. And then when you are do get your new role, then we can look at maybe consolidating things over for you. Okay? But to help you in meeting your goals and working forward for the moment, we're gonna retain the q super and the hub twenty four account. I've reviewed both them. Q super is still perfectly great as an investment, and hub twenty four is still working really well for you. We are, however, gonna make some changes to the investment portfolio. So as we kinda spoke about last time, Benelong Australian Equities has been underperforming significantly. So we are removing that investment completely out of your portfolio, and then just doing a bit more of a rebalance of things for you as well. So some of the other investments have done really well, so we can actually offset some of the the losses made by Benelong to rebalance your portfolio and to minimize as much of the capital gains consequences as possible. Okay? So we're gonna look at with the battery and lithium tech, they're just rebalancing it back to about 7%. You're a bit overweighted there at the moment. With the bank hybrids, they are being phased out in the future. So we're gonna sell those off completely and move the funds into the core composite bonds so that one's just a little bit lower, the IAF investment. We'll be buying into that 20% for that. That's more of a a defensive investment. It looks at both government and corporate bonds. It also has debt and also looks at diversification across different countries with credit notes and things like that. So it is a really good defensive investment, good for cash producing. They pay dividends on a regular basis as well. We're also going to look at rebalancing the physical gold. The physical gold has done extremely well over the last twelve months and has seen some really good gains. We wanna cement some of those gains so that we can have that spread across the other areas of your portfolio and just bring your rebalancing back a little bit by having too much physical gold as it is a growth investment. Like some of your other growth investments, if you stay overweighted, you end up taking on a little bit too much risk. And in the current climate, we don't wanna be overexposing you to risk. Okay? Excellent. So we've also got the cybersecurity in there. So we're adding so you've got a 6.6% there. We'll be it's just selling a little bit and sort of rebalancing it back a little bit there. The s and p five hundred has been doing quite well. I know it's been a bit up and down at the moment, but it has still seen a really good gain. So we are just gonna rebalance it back a little bit to 25% there. And then the so the Rafi a 200, we'll be rebalancing that back to about 15% as well. We'll be buying in a bit more of the VanEck Australian properties, a bit underweighted at the moment, increasing that component. And instead of having the Benelon Australian equities, we're gonna buy into the BetaShares a 200. The BetaShares a 200 still gives you access to the top 200 companies in Australia, so it's still giving you access to Australian equities. It's just gonna be a little bit cheaper, and it's more of a passively managed investment, which is fantastic. And it's actually cheaper, so it saves you a bit in fees, which is important. Okay? Excellent. Now when we had a look at your portfolio together because when we look at the way you waited between hub four and q super, we look at those together. We wanna make sure that between the two accounts, you're not overweighted. When I had a look at all that for you, it actually did show that with the two funds, you were a little bit overweighted there. So what we're gonna do is we're gonna sorta also just remove the balanced investment within your q super and keep the high growth investment. So between the two funds, you're sitting at that right at the right amount of, you know, risk versus defensive and growth allocation in that growth kind of portfolio. Because when we kind of looked at the way you were within q super and hub twenty four, it was a little bit overweighted there, and having the one investment can also make it a bit cheaper for you. So when we looked at the high growth within q super versus what we're moving you into and rebalancing to within hub twenty four, it all worked out quite even there for you. Okay? Perfect. So on the next page there, you'll see we do have to hold a certain amount of cash within hub twenty four. It's 1.25%. So, essentially, we'll just see reducing your cash balance there a little bit. Okay? If you scroll down to page number 22 for me, this is the fee comparison table. This sort of shows you the recommendation there. Okay. 22. So sorry. It says fee comparison at the top. Yeah. You got that? Perfect. Now this this sort of shows the current versus the recommended of what we're moment, you've got your two funds with the two balances between it there, and you've also got your administration fees, investment fees, any other fees applicable to the funds, the adviser service fee for us looking after everything. I've taken out contributions to make this more of a realistic projection. So whilst you're still actively looking for work, I didn't wanna kinda overproject and give you something was unachievable. So I've left it with no contributions currently for you and then your insurance premiums in there, which will stay within q super. Okay? So the current portfolio has averaged about 12.57% when we look at the way we're rebalancing and by removing Van Along and the the bank hybrids there, you can see the newer portfolio has averaged a much higher three year rolling average. Okay? On the next page, even with no additional contributions going in, you can sort of see over the next five to ten years if the portfolio was able to get what had over the past three years, you can sort of see yourself in a much greater position moving forward, which is kind of why we've gone forward that recommendation for you. Okay. Yeah. All good. It's been really important to note that when we sort of look at the fee structure, whenever we're making changes to your portfolio, there is a difference to account for. So we do estimate, and you'll see in the differences column on that fee table there, the $278, that's essentially the CGT consequences. So your super fund, just like yourself, does a tax return every year. And so we've done the research to show that with all the changes that we are making there, we do estimate the CGT consequences for your super fund is about $278. So your super fund will pay that in CGT. Okay? With the administration fee, we are also recommending there that we're rolling over some money out of QSuper. Obviously, keeping as much money in hub twenty four in the better performing portfolio is really important. But because you're not working at the moment, I am increasing the amount that we're gonna leave behind. So I do wanna leave 15,000 in q super. That's make sure you've got a higher balance than the minimum required to keep your insurances in place. I'm also gonna organize an opt in letter to send to them. That way we can make sure that, you know, if you're off work for an extended period of time, that the opt in form protects your insurances as a secondary measure for you. And then anything over that 15,000 can be rolled into Hub twenty four so it's invested nice and easily in that portfolio. Sorry. By moving money into Hub twenty four, we do know there is gonna be an increase in the administration fees. However, when you look at the investment fees, by making the changes to the portfolio, we're actually saving about $448 in investment fees. So it's a pretty big savings, an increase in the admin fees by about $91. So yeah. All good. There's essentially no real changes to sorry. No real changes to the insurance in any way, shape, or form at the moment. However, that down the track can change. When you have that change in circumstances, let me know. We'll happily make time to have a bit of a chat and see what we can do and update the advice for you moving forward. Okay? All good. Do you have any questions so far at all? Perfect. Perfect. So sorry. The next page, if it keeps going down, is the insurance section. So on page number 24. So we did talk about how we're not able to apply for disability covers for TBD or income protection at the moment, so we wanna do hold off on that. However, we can look to increase your life if you wanted to and also the trauma. So we did talk about applying for trauma cover. Life cover and trauma aren't necessarily underwritten by occupation, so they're a lot easier to apply for when you're not working. I wanted to include this in the advice document to show you the recommendation. However, it does come down to your budget and what you're comfortable with. And if you decide not to take forward this insurance recommendation, that's absolutely fine. Okay? So the first table there does show that we're retaining your life, your TPD, and income protection within q super and the current premium that you're paying for that one. If you go down to the next page there, I am making a recommendation that we do apply for two years of income with Clearview to be held outside of super, and this is the trauma policy. I'm linking a bit of life to the trauma policy because it actually makes the policy cheaper. But we wanted to when we spoke last time, we talked about the insurances. We wanted to see what maybe two years worth of income based on the $70,000 income might look like for trauma, and this is essentially what it looks like. It would be about $34.77 out of pocket. And trauma covers you for things like a heart attack, a stroke, certain neurological conditions. We can't pay for trauma inside, so it is an out of pocket cost. So it does come down to your expenditure at the moment whether you could afford to do that or not. I'm fine either way. We can always revisit this down the track, but I didn't wanna just just take this out of the recommendations. I figured I could show you what it looks like and let you kinda decide what your budget will allow you to do. Okay? The reason I've attached a bit of life to this is that, a, it does make the policy cheaper. You get a multi policy discount, but it also means that you're getting a little bit of extra life in the event that something was to happen. So if you were to pass away, your life policy in q super pays out, which is currently a sum insured of 500,000. But it also means that your super benefit is paid out, and then you can also get this 140 on top of that. The other advantage to this is that with life policies held outside of super, your family and your beneficiaries can actually also claim a funeral benefit, which is an upfront out of upfront cost. Generally, it can be expected 15 to 25,000 depending on the insurer that you're with, And that is paid within twenty four hours so your family can cover the cost of your funeral. This is something that's not available to life policies inside so far. So I did wanna kind of add this in here for you just to show you what it looks like and the monthly cost involved, and then you can let me know whether or not you're able to afford this. If you choose not to, it's absolutely okay. We are you'll get work in the next few months, and we'll reevaluate it, and we can always make the recommendation and update the recommendation then for you as well. Okay? Yeah. Beautiful. ClearView is actually one of the better policies to go with. The main sort of reason I went with ClearView on this is that it whilst it didn't have the highest score for features and benefits, it actually did have the lowest cost, which was kind of really important for you. And when you look at the funeral benefit, they actually pay out the highest funeral benefit. They generally allow you to draw down the funeral benefit at a an amount of 25,000, which is one of the highest ones out there, which is pretty cool. It's pretty nice funeral. It's really not. It's really not. So when you kinda break that down even further, depending on sort of how you work your budget at, if you looked at it on a weekly basis sorry. So $34.77. It works with a bit of $8.69 on a weekly basis, which is pretty minimal to get a $140,000 benefit of life and trauma. Yeah. But now it's all good. Let you I'll let you take that one back. Have a bit of a think about it. Look at what you've got. Absolutely. As I sort of mentioned, I don't want this to be you have to take this. This is this recommendation. So I'll I'm showing you what we're recommending, how and why. You've got the advantages, disadvantages, and the risks involved in there. You can go back, have a look at them, read them over. Let me know if you do have any additional questions there, and we can always, you know, come back and reassess it. On the last page of the document, you've actually got a line, and there's a text box there. So you can write in that text box anything that you're not wanting to take on board. So you just, you know, if you're not wanting to take the insurances, you just make a note to say that you don't wish to take the insurance recommendations now, and that's absolutely fine. We can come back and review that down the track. Okay? Yeah. All good. But, yeah, look, that's essentially the recommendation for life and trauma, giving you a bit of trauma and a bit of life cover there. And this sort of works with your budget. It's in best interest because when we talked about it, you were sorta in between roles. So we looked at calculating two years income based on that 70,000 per annum, so it lands at a 140,000. And the good thing about life and trauma is they're not underwritten with regard to your occupation at all. So you can still apply for these when you're unemployed, and there's no sort of detriment to doing so. It's just about making sure the cost, because it does have to be out of pocket, that you're able and comfortable with that out of pocket expense at the moment. Okay? Yeah. All good. Essentially, that's most of the advice there. The only other part on page number 32 is the beneficiary side of things. So we did sort of talk about what you wanted to happen to your beneficiaries, just making sure that in the event that something was to happen, that your life cover and your super was distributed where you wanted it to go to. Essentially, you mentioned that you wanted it to be paid to your brother in the event that something happened. So under this this act, your brother doesn't meet the condition to be a beneficiary. So what I've recommended is that you take the legal personal representative on both of your super funds and your life cover and the nuclear view policy if you decide to take that. And that means that in the event of passing, the benefit gets paid to your estate, and then you just need to make sure you have a valid will as updated that reflects your wishes moving forward. Okay. Yeah. Do you have any questions so far at all? No? All good. You'll see the nomination type there is binding, nonlapsing. Essentially, when we look at beneficiary nominations, they do have several different nomination types. They have nonbinding, which essentially means that you're making a decision on what you want to happen, but the trustee makes the final decision. Binding lapsing, which means that you've found the trustee to follow your direction, but you have to refill that document out every three years, or you can have a binding nonlapsing, which is what we're recommending for you, which binds the trustee to follow your direction. But nonlapsing means that you don't have to update that nomination again unless there's a change to what you want what you want on your nomination. So it just stays in place until you revoke it. Yeah. All good. That's the best way to make the nomination. Having a will in place is really important as well and just making sure that will is updated to reflect your wishes. We can we, as advisers, don't do wills. We're not solicitors. However, we can always refer you through to a solicitor, and we can always send out an email with some information on a local solicitor who also does things by email and phone. And they're actually pretty well priced. We can send out a bit of a costing on what it costs to do up a will, but making sure everything you've worked hard for, your home and your contents and your cars and your savings accounts is all kind of distributed as per your wishes. Having worked in this industry for a while, I've seen, unfortunately, estate's so bad where, you know, someone's got no will in place. Everything gets paid into your estate. It goes through probate, and it doesn't automatically go to your spouse or your brother or your mom. It's other people can come out and make a claim on the estate. And it all comes down to a judge and what he thinks and where things should go. He utilizes legislation as a guide, but I've seen family members or, you know, relatives who the persons have spoken to for years and years who actually get a piece of the pie. So having a ballot will in place is really important to protect everything that you've worked so hard for. Okay? And the other thing that we do make a recommendation on is the power of attorney as well. So making sure that you've got a power of attorney. You can have three different types, a general power of attorney, which appoint someone to make financial and legal decisions for you for a specified period of time, works really well if you're going overseas. Enduring power of attorney is one where you appoint someone to make legal and or financial decisions for you if you lose capacity, or a medical power of attorney, which is only for medical decisions. So seeing a solicitor and having a power of attorney set up, generally enduring power of attorney. That way, if something was to happen to yourself and you weren't able to make medical or financial decisions, that someone understands what your decisions are, that they know what your wishes are, and they can follow your direction and ask in your best interest for you. So that's another thing that we do always make a recommendation around. And the same with the will, the solicitors can do a power of attorney and a will all in one. It does cost a little bit more, but in my book, it's always been an investment in yourself and making sure you're protecting everything that you've just worked so hard for. Yeah. All good. Yeah. Sorry. Mhmm. Yeah. Perfect. Not a problem at all. I'll get that email out to you very shortly. As soon as I get off the phone call, I'll do it up and send it over to you. It's not a problem at all. Excellent. Excellent. The advice has been provided completely complimentary because you're an ongoing service client. You do pay the ongoing service fee for our services. It is 1.65% per annum. It is calculated and deducted from super in a smaller monthly increment, and that's by providing the advice, updating everything for you, and making sure that we keep you on track. As I said before, there's no limit to the advice I can provide. You know, if you ring me next week and go, hey. Good news. I've got a job. I'm starting this date. We can talk about the insurances, and I can update the advice for you. I do not mind in any way, shape, or form. My job is to keep you on track and work towards your goals and work in your best interest. So if I'm giving you an advice document every month, it's only gonna benefit you at the end of the day. So I just like to make sure that you're aware that those services are available to you. We also have mortgage brokers that work with us at no cost to yourself and any other advice that you need as well. So whether it be cash flow budgeting, if you need help dealing with central income, very good at that, unfortunately. If you if you wanted investment advice in other areas and what we can do, we're here to sort of support you in that. And attached to the DocuSign, I've also got our financial services guide, which does list all the areas of advice that we can provide on and does have a whole bunch of information around myself and my licensing as I'm a licensed adviser through ASIC. Okay? Oh, good. Yes. Yep. Yep. Yep. Okay. Yeah. Absolutely. Is that something you're definitely going ahead with and that you're yep. Yep. Yeah. Absolutely. Not a problem at all. Well, when you give me the go ahead for that one, we'll talk about what your goals are, reassess the risk risk side of things, and look at what you wanna do with that 450, and I'll absolutely do up a new advice document for you. But we'll factor in whether we invested or how we invested or what we do with that money for you. Okay? Beautiful. Fantastic. Yeah. Just, yeah, shoot me an email or let me know when that happens, and I'll make time straight away to give you a call and have a chat to you about it. It's not an issue at all. Perfect. All good. The only other thing I do need to let you know is if you decide to take on the recommendation with Clearview there, we do receive remuneration from the insurance companies for them writing a contract for you. It's not paid by you. It's paid by the insurer. It is standard across the board, but I like to disclose it, and it is noted in the document down there on page 44 for you. So we do receive 66% of the first year's premiums and 22% they're ongoing, But it is really important that it has no effect on my recommendations. My recommendations are made in line with your goals and under our best interest duty, which is part of the corporations at. So I don't ever, you know, want you to take the recommendation just for that. If you can't afford it right now or you do not feel it's the right time to take the insurance recommendation, you're welcome to put it off and we can revisit that down the track. I do not mind in any way, shape, or form my work for you. Okay? All good. Do you have any questions in relation to any of those recommendations or any part of the advice so far? Or yep. Absolutely. Absolutely. Yeah. That's fine. If there's anything comes up, let me know. I'm more than happy to go back and rejig anything. If you find there's something you want altered or changed or, yeah, if you just have any general questions whatsoever, let me know. I always say there's nothing as a silly question. If it's something you wanna ask, you let me know, and I'll happily answer it. Okay? Beautiful. Well, I'll let you go back to read that, and it can be a little bit hard when I'm still talking at you. So feel free to take some time to read it over and let me know if there's anything you like. And if you do decide to take those recommendations, just get you to sign and send it back to me. And just leave a note on the last page if you decide not to take the insurance recommendations for the time being. Okay? Easy. Not a problem at all. Is there anything else can help you with at the moment or anything else that you wanted me to look at or research for you while you've got me here at all? Yep. Yeah. Perfect. Not a problem at all. Well, I'll let you go to have a really good afternoon. I thank you so much for your time today, and I'll catch up with you soon. Thank you so much for your time, Nick. I hope you have a great afternoon. Thanks. See you later. 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Nick. It's Dana from Ogi Financial. How are you today? I'm very well. Thank you.\n\nThanks for asking. I had you booked in just to update your statement of advice for now. Is now still a good time there for you? Yep. Oh, fantastic.\n\nBefore we jump into the call, Nick, I just have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Lovely. And just to do security there with you as well, I just got you confirm your full name, your date of birth, and address I should have on file for you. Beautiful.\n\nThank you so much for that. How's everything been? I know we spoke about two weeks ago there, but how's everything been since we spoke? How's the job hunting going? Yeah.\n\nYeah. Yeah. Oh, well, we'll keep our fingers crossed for you, and we'll definitely make sure we catch up. I've updated the advice just to reflect your current circumstances. And, look, when you get a new job, let me know, and we'll definitely come back and reassess the advice again.\n\nThere's no limit to how many advice documents I can do in a year. It's whenever your life changes, whenever your goals change, I will go through and update those advice documents for you. Okay? Beautiful. Now I'm just I'm just gonna send this one through to you via Otis, I'm gonna see your email.\n\nAre you able to jump into your emails there at all? Yep. That that's okay. There we go. Beautiful.\n\nNow you may you may have mentioned that you're on speaker. You're happy for me to continue with everything? Yep. Beautiful. Excellent.\n\nOkay. Now when that comes through, there is a button that says sign. I don't ever want you to sign anything you haven't read, but you just click the button so it allows you to go through to the next page. Alternatively, there are some links from the bottom. Oh, beautiful.\n\nBeautiful. So the first page there, Nick, it has down that the advice document has been prepared for yourself as of the 04/21/2026 of today's date. Now all of our advice documents are valid for sixty days. However, if you do just sign outside of that sixty days, we just need to go through and make sure there's no changes to your circumstances. The document has been prepared by myself, Dana Taylor, and my authorized representative number registered with ASIC is 1304394.\n\nOkay. Fantastic. Now to make this a bit easier, I will let you go back and have a really good read of the document later. Feel free to have a look at all the information there for you and all your advantages, disadvantages, and risks involved because there are quite a few pages. What I'll do is I'll direct you to the main sections to run you through the advice, and then I'll let you go back and have a read for a read of it as well.\n\nOkay? Beautiful. Now if you can scroll down to page number 19 for me there, it should have the heading investment. Yep. Beautiful.\n\nSo with this advice document, the main part of it is around the superannuation side of things. So we are gonna have to retain QSuper for the moment. Just because of the change in your employment status means we wanna keep that that TPD and the income protection component attached. This has been unemployed at the moment. We're not able to apply for new disability cover, so we wanna keep that for the moment.\n\nAnd then when you are do get your new role, then we can look at maybe consolidating things over for you. Okay? But to help you in meeting your goals and working forward for the moment, we're gonna retain the q super and the hub twenty four account. I've reviewed both them. Q super is still perfectly great as an investment, and hub twenty four is still working really well for you.\n\nWe are, however, gonna make some changes to the investment portfolio. So as we kinda spoke about last time, Benelong Australian Equities has been underperforming significantly. So we are removing that investment completely out of your portfolio, and then just doing a bit more of a rebalance of things for you as well. So some of the other investments have done really well, so we can actually offset some of the the losses made by Benelong to rebalance your portfolio and to minimize as much of the capital gains consequences as possible. Okay?\n\nSo we're gonna look at with the battery and lithium tech, they're just rebalancing it back to about 7%. You're a bit overweighted there at the moment. With the bank hybrids, they are being phased out in the future. So we're gonna sell those off completely and move the funds into the core composite bonds so that one's just a little bit lower, the IAF investment. We'll be buying into that 20% for that.\n\nThat's more of a a defensive investment. It looks at both government and corporate bonds. It also has debt and also looks at diversification across different countries with credit notes and things like that. So it is a really good defensive investment, good for cash producing. They pay dividends on a regular basis as well.\n\nWe're also going to look at rebalancing the physical gold. The physical gold has done extremely well over the last twelve months and has seen some really good gains. We wanna cement some of those gains so that we can have that spread across the other areas of your portfolio and just bring your rebalancing back a little bit by having too much physical gold as it is a growth investment. Like some of your other growth investments, if you stay overweighted, you end up taking on a little bit too much risk. And in the current climate, we don't wanna be overexposing you to risk.\n\nOkay? Excellent. So we've also got the cybersecurity in there. So we're adding so you've got a 6.6% there. We'll be it's just selling a little bit and sort of rebalancing it back a little bit there.\n\nThe s and p five hundred has been doing quite well. I know it's been a bit up and down at the moment, but it has still seen a really good gain. So we are just gonna rebalance it back a little bit to 25% there. And then the so the Rafi a 200, we'll be rebalancing that back to about 15% as well. We'll be buying in a bit more of the VanEck Australian properties, a bit underweighted at the moment, increasing that component.\n\nAnd instead of having the Benelon Australian equities, we're gonna buy into the BetaShares a 200. The BetaShares a 200 still gives you access to the top 200 companies in Australia, so it's still giving you access to Australian equities. It's just gonna be a little bit cheaper, and it's more of a passively managed investment, which is fantastic. And it's actually cheaper, so it saves you a bit in fees, which is important. Okay?\n\nExcellent. Now when we had a look at your portfolio together because when we look at the way you waited between hub four and q super, we look at those together. We wanna make sure that between the two accounts, you're not overweighted. When I had a look at all that for you, it actually did show that with the two funds, you were a little bit overweighted there. So what we're gonna do is we're gonna sorta also just remove the balanced investment within your q super and keep the high growth investment.\n\nSo between the two funds, you're sitting at that right at the right amount of, you know, risk versus defensive and growth allocation in that growth kind of portfolio. Because when we kind of looked at the way you were within q super and hub twenty four, it was a little bit overweighted there, and having the one investment can also make it a bit cheaper for you. So when we looked at the high growth within q super versus what we're moving you into and rebalancing to within hub twenty four, it all worked out quite even there for you. Okay? Perfect.\n\nSo on the next page there, you'll see we do have to hold a certain amount of cash within hub twenty four. It's 1.25%. So, essentially, we'll just see reducing your cash balance there a little bit. Okay? If you scroll down to page number 22 for me, this is the fee comparison table.\n\nThis sort of shows you the recommendation there. Okay. 22. So sorry. It says fee comparison at the top.\n\nYeah. You got that? Perfect. Now this this sort of shows the current versus the recommended of what we're moment, you've got your two funds with the two balances between it there, and you've also got your administration fees, investment fees, any other fees applicable to the funds, the adviser service fee for us looking after everything. I've taken out contributions to make this more of a realistic projection.\n\nSo whilst you're still actively looking for work, I didn't wanna kinda overproject and give you something was unachievable. So I've left it with no contributions currently for you and then your insurance premiums in there, which will stay within q super. Okay? So the current portfolio has averaged about 12.57% when we look at the way we're rebalancing and by removing Van Along and the the bank hybrids there, you can see the newer portfolio has averaged a much higher three year rolling average. Okay?\n\nOn the next page, even with no additional contributions going in, you can sort of see over the next five to ten years if the portfolio was able to get what had over the past three years, you can sort of see yourself in a much greater position moving forward, which is kind of why we've gone forward that recommendation for you. Okay. Yeah. All good. It's been really important to note that when we sort of look at the fee structure, whenever we're making changes to your portfolio, there is a difference to account for.\n\nSo we do estimate, and you'll see in the differences column on that fee table there, the $278, that's essentially the CGT consequences. So your super fund, just like yourself, does a tax return every year. And so we've done the research to show that with all the changes that we are making there, we do estimate the CGT consequences for your super fund is about $278. So your super fund will pay that in CGT. Okay?\n\nWith the administration fee, we are also recommending there that we're rolling over some money out of QSuper. Obviously, keeping as much money in hub twenty four in the better performing portfolio is really important. But because you're not working at the moment, I am increasing the amount that we're gonna leave behind. So I do wanna leave 15,000 in q super. That's make sure you've got a higher balance than the minimum required to keep your insurances in place.\n\nI'm also gonna organize an opt in letter to send to them. That way we can make sure that, you know, if you're off work for an extended period of time, that the opt in form protects your insurances as a secondary measure for you. And then anything over that 15,000 can be rolled into Hub twenty four so it's invested nice and easily in that portfolio. Sorry. By moving money into Hub twenty four, we do know there is gonna be an increase in the administration fees.\n\nHowever, when you look at the investment fees, by making the changes to the portfolio, we're actually saving about $448 in investment fees. So it's a pretty big savings, an increase in the admin fees by about $91. So yeah. All good. There's essentially no real changes to sorry.\n\nNo real changes to the insurance in any way, shape, or form at the moment. However, that down the track can change. When you have that change in circumstances, let me know. We'll happily make time to have a bit of a chat and see what we can do and update the advice for you moving forward. Okay?\n\nAll good. Do you have any questions so far at all? Perfect. Perfect. So sorry.\n\nThe next page, if it keeps going down, is the insurance section. So on page number 24. So we did talk about how we're not able to apply for disability covers for TBD or income protection at the moment, so we wanna do hold off on that. However, we can look to increase your life if you wanted to and also the trauma. So we did talk about applying for trauma cover.\n\nLife cover and trauma aren't necessarily underwritten by occupation, so they're a lot easier to apply for when you're not working. I wanted to include this in the advice document to show you the recommendation. However, it does come down to your budget and what you're comfortable with. And if you decide not to take forward this insurance recommendation, that's absolutely fine. Okay?\n\nSo the first table there does show that we're retaining your life, your TPD, and income protection within q super and the current premium that you're paying for that one. If you go down to the next page there, I am making a recommendation that we do apply for two years of income with Clearview to be held outside of super, and this is the trauma policy. I'm linking a bit of life to the trauma policy because it actually makes the policy cheaper. But we wanted to when we spoke last time, we talked about the insurances. We wanted to see what maybe two years worth of income based on the $70,000 income might look like for trauma, and this is essentially what it looks like.\n\nIt would be about $34.77 out of pocket. And trauma covers you for things like a heart attack, a stroke, certain neurological conditions. We can't pay for trauma inside, so it is an out of pocket cost. So it does come down to your expenditure at the moment whether you could afford to do that or not. I'm fine either way.\n\nWe can always revisit this down the track, but I didn't wanna just just take this out of the recommendations. I figured I could show you what it looks like and let you kinda decide what your budget will allow you to do. Okay? The reason I've attached a bit of life to this is that, a, it does make the policy cheaper. You get a multi policy discount, but it also means that you're getting a little bit of extra life in the event that something was to happen.\n\nSo if you were to pass away, your life policy in q super pays out, which is currently a sum insured of 500,000. But it also means that your super benefit is paid out, and then you can also get this 140 on top of that. The other advantage to this is that with life policies held outside of super, your family and your beneficiaries can actually also claim a funeral benefit, which is an upfront out of upfront cost. Generally, it can be expected 15 to 25,000 depending on the insurer that you're with, And that is paid within twenty four hours so your family can cover the cost of your funeral. This is something that's not available to life policies inside so far.\n\nSo I did wanna kind of add this in here for you just to show you what it looks like and the monthly cost involved, and then you can let me know whether or not you're able to afford this. If you choose not to, it's absolutely okay. We are you'll get work in the next few months, and we'll reevaluate it, and we can always make the recommendation and update the recommendation then for you as well. Okay? Yeah.\n\nBeautiful. ClearView is actually one of the better policies to go with. The main sort of reason I went with ClearView on this is that it whilst it didn't have the highest score for features and benefits, it actually did have the lowest cost, which was kind of really important for you. And when you look at the funeral benefit, they actually pay out the highest funeral benefit. They generally allow you to draw down the funeral benefit at a an amount of 25,000, which is one of the highest ones out there, which is pretty cool.\n\nIt's pretty nice funeral. It's really not. It's really not. So when you kinda break that down even further, depending on sort of how you work your budget at, if you looked at it on a weekly basis sorry. So $34.77.\n\nIt works with a bit of $8.69 on a weekly basis, which is pretty minimal to get a $140,000 benefit of life and trauma. Yeah. But now it's all good. Let you I'll let you take that one back. Have a bit of a think about it.\n\nLook at what you've got. Absolutely. As I sort of mentioned, I don't want this to be you have to take this. This is this recommendation. So I'll I'm showing you what we're recommending, how and why.\n\nYou've got the advantages, disadvantages, and the risks involved in there. You can go back, have a look at them, read them over. Let me know if you do have any additional questions there, and we can always, you know, come back and reassess it. On the last page of the document, you've actually got a line, and there's a text box there. So you can write in that text box anything that you're not wanting to take on board.\n\nSo you just, you know, if you're not wanting to take the insurances, you just make a note to say that you don't wish to take the insurance recommendations now, and that's absolutely fine. We can come back and review that down the track. Okay? Yeah. All good.\n\nBut, yeah, look, that's essentially the recommendation for life and trauma, giving you a bit of trauma and a bit of life cover there. And this sort of works with your budget. It's in best interest because when we talked about it, you were sorta in between roles. So we looked at calculating two years income based on that 70,000 per annum, so it lands at a 140,000. And the good thing about life and trauma is they're not underwritten with regard to your occupation at all.\n\nSo you can still apply for these when you're unemployed, and there's no sort of detriment to doing so. It's just about making sure the cost, because it does have to be out of pocket, that you're able and comfortable with that out of pocket expense at the moment. Okay? Yeah. All good.\n\nEssentially, that's most of the advice there. The only other part on page number 32 is the beneficiary side of things. So we did sort of talk about what you wanted to happen to your beneficiaries, just making sure that in the event that something was to happen, that your life cover and your super was distributed where you wanted it to go to. Essentially, you mentioned that you wanted it to be paid to your brother in the event that something happened. So under this this act, your brother doesn't meet the condition to be a beneficiary.\n\nSo what I've recommended is that you take the legal personal representative on both of your super funds and your life cover and the nuclear view policy if you decide to take that. And that means that in the event of passing, the benefit gets paid to your estate, and then you just need to make sure you have a valid will as updated that reflects your wishes moving forward. Okay. Yeah. Do you have any questions so far at all?\n\nNo? All good. You'll see the nomination type there is binding, nonlapsing. Essentially, when we look at beneficiary nominations, they do have several different nomination types. They have nonbinding, which essentially means that you're making a decision on what you want to happen, but the trustee makes the final decision.\n\nBinding lapsing, which means that you've found the trustee to follow your direction, but you have to refill that document out every three years, or you can have a binding nonlapsing, which is what we're recommending for you, which binds the trustee to follow your direction. But nonlapsing means that you don't have to update that nomination again unless there's a change to what you want what you want on your nomination. So it just stays in place until you revoke it. Yeah. All good.\n\nThat's the best way to make the nomination. Having a will in place is really important as well and just making sure that will is updated to reflect your wishes. We can we, as advisers, don't do wills. We're not solicitors. However, we can always refer you through to a solicitor, and we can always send out an email with some information on a local solicitor who also does things by email and phone.\n\nAnd they're actually pretty well priced. We can send out a bit of a costing on what it costs to do up a will, but making sure everything you've worked hard for, your home and your contents and your cars and your savings accounts is all kind of distributed as per your wishes. Having worked in this industry for a while, I've seen, unfortunately, estate's so bad where, you know, someone's got no will in place. Everything gets paid into your estate. It goes through probate, and it doesn't automatically go to your spouse or your brother or your mom.\n\nIt's other people can come out and make a claim on the estate. And it all comes down to a judge and what he thinks and where things should go. He utilizes legislation as a guide, but I've seen family members or, you know, relatives who the persons have spoken to for years and years who actually get a piece of the pie. So having a ballot will in place is really important to protect everything that you've worked so hard for. Okay?\n\nAnd the other thing that we do make a recommendation on is the power of attorney as well. So making sure that you've got a power of attorney. You can have three different types, a general power of attorney, which appoint someone to make financial and legal decisions for you for a specified period of time, works really well if you're going overseas. Enduring power of attorney is one where you appoint someone to make legal and or financial decisions for you if you lose capacity, or a medical power of attorney, which is only for medical decisions. So seeing a solicitor and having a power of attorney set up, generally enduring power of attorney.\n\nThat way, if something was to happen to yourself and you weren't able to make medical or financial decisions, that someone understands what your decisions are, that they know what your wishes are, and they can follow your direction and ask in your best interest for you. So that's another thing that we do always make a recommendation around. And the same with the will, the solicitors can do a power of attorney and a will all in one. It does cost a little bit more, but in my book, it's always been an investment in yourself and making sure you're protecting everything that you've just worked so hard for. Yeah.\n\nAll good. Yeah. Sorry. Mhmm. Yeah.\n\nPerfect. Not a problem at all. I'll get that email out to you very shortly. As soon as I get off the phone call, I'll do it up and send it over to you. It's not a problem at all.\n\nExcellent. Excellent. The advice has been provided completely complimentary because you're an ongoing service client. You do pay the ongoing service fee for our services. It is 1.65% per annum.\n\nIt is calculated and deducted from super in a smaller monthly increment, and that's by providing the advice, updating everything for you, and making sure that we keep you on track. As I said before, there's no limit to the advice I can provide. You know, if you ring me next week and go, hey. Good news. I've got a job.\n\nI'm starting this date. We can talk about the insurances, and I can update the advice for you. I do not mind in any way, shape, or form. My job is to keep you on track and work towards your goals and work in your best interest. So if I'm giving you an advice document every month, it's only gonna benefit you at the end of the day.\n\nSo I just like to make sure that you're aware that those services are available to you. We also have mortgage brokers that work with us at no cost to yourself and any other advice that you need as well. So whether it be cash flow budgeting, if you need help dealing with central income, very good at that, unfortunately. If you if you wanted investment advice in other areas and what we can do, we're here to sort of support you in that. And attached to the DocuSign, I've also got our financial services guide, which does list all the areas of advice that we can provide on and does have a whole bunch of information around myself and my licensing as I'm a licensed adviser through ASIC.\n\nOkay? Oh, good. Yes. Yep. Yep.\n\nYep. Okay. Yeah. Absolutely. Is that something you're definitely going ahead with and that you're yep.\n\nYep. Yeah. Absolutely. Not a problem at all. Well, when you give me the go ahead for that one, we'll talk about what your goals are, reassess the risk risk side of things, and look at what you wanna do with that 450, and I'll absolutely do up a new advice document for you.\n\nBut we'll factor in whether we invested or how we invested or what we do with that money for you. Okay? Beautiful. Fantastic. Yeah.\n\nJust, yeah, shoot me an email or let me know when that happens, and I'll make time straight away to give you a call and have a chat to you about it. It's not an issue at all. Perfect. All good. The only other thing I do need to let you know is if you decide to take on the recommendation with Clearview there, we do receive remuneration from the insurance companies for them writing a contract for you.\n\nIt's not paid by you. It's paid by the insurer. It is standard across the board, but I like to disclose it, and it is noted in the document down there on page 44 for you. So we do receive 66% of the first year's premiums and 22% they're ongoing, But it is really important that it has no effect on my recommendations. My recommendations are made in line with your goals and under our best interest duty, which is part of the corporations at.\n\nSo I don't ever, you know, want you to take the recommendation just for that. If you can't afford it right now or you do not feel it's the right time to take the insurance recommendation, you're welcome to put it off and we can revisit that down the track. I do not mind in any way, shape, or form my work for you. Okay? All good.\n\nDo you have any questions in relation to any of those recommendations or any part of the advice so far? Or yep. Absolutely. Absolutely. Yeah.\n\nThat's fine. If there's anything comes up, let me know. I'm more than happy to go back and rejig anything. If you find there's something you want altered or changed or, yeah, if you just have any general questions whatsoever, let me know. I always say there's nothing as a silly question.\n\nIf it's something you wanna ask, you let me know, and I'll happily answer it. Okay? Beautiful. Well, I'll let you go back to read that, and it can be a little bit hard when I'm still talking at you. So feel free to take some time to read it over and let me know if there's anything you like.\n\nAnd if you do decide to take those recommendations, just get you to sign and send it back to me. And just leave a note on the last page if you decide not to take the insurance recommendations for the time being. Okay? Easy. Not a problem at all.\n\nIs there anything else can help you with at the moment or anything else that you wanted me to look at or research for you while you've got me here at all? Yep. Yeah. Perfect. Not a problem at all.\n\nWell, I'll let you go to have a really good afternoon. I thank you so much for your time today, and I'll catch up with you soon. Thank you so much for your time, Nick. I hope you have a great afternoon. Thanks.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Nick.","start":3.4399998,"end":4.0,"sentiment":"neutral","sentiment_score":0.17221997678279877},{"text":"It's Dana from Ogi Financial.","start":4.0,"end":5.54,"sentiment":"neutral","sentiment_score":0.19627546072006224},{"text":"How are you today?","start":5.68,"end":6.66,"sentiment":"neutral","sentiment_score":0.23095127940177917},{"text":"I'm very well.","start":9.28,"end":10.16,"sentiment":"positive","sentiment_score":0.6333715319633484},{"text":"Thank you.","start":10.16,"end":10.559999,"sentiment":"positive","sentiment_score":0.7086963057518005}],"sentiment":"positive","sentiment_score":0.347945598885417,"num_words":16,"start":3.4399998,"end":10.559999},{"sentences":[{"text":"Thanks for asking.","start":10.559999,"end":11.599999,"sentiment":"positive","sentiment_score":0.6636070609092712},{"text":"I had you booked in just to update your statement of advice for now.","start":11.599999,"end":14.825,"sentiment":"neutral","sentiment_score":0.23523878199713572},{"text":"Is now still a good time there for you?","start":14.825,"end":17.005001,"sentiment":"neutral","sentiment_score":0.28298605647352004},{"text":"Yep.","start":18.904999,"end":19.404999,"sentiment":"neutral","sentiment_score":0.1966208666563034},{"text":"Oh, fantastic.","start":19.625,"end":20.525,"sentiment":"positive","sentiment_score":0.627633273601532}],"sentiment":"neutral","sentiment_score":0.32010089837271594,"num_words":29,"start":10.559999,"end":20.525},{"sentences":[{"text":"Before we jump into the call, Nick, I just have to let you know we do record our calls for quality and training purposes.","start":20.904999,"end":25.805,"sentiment":"neutral","sentiment_score":0.17061952284226814},{"text":"Are you happy for me to proceed with that?","start":26.025,"end":28.205,"sentiment":"neutral","sentiment_score":0.1609892944494883},{"text":"Lovely.","start":30.06,"end":30.46,"sentiment":"positive","sentiment_score":0.5405193567276001},{"text":"And just to do security there with you as well, I just got you confirm your full name, your date of birth, and address I should have on file for you.","start":30.46,"end":37.28,"sentiment":"neutral","sentiment_score":0.18654886801396647},{"text":"Beautiful.","start":43.755,"end":44.235,"sentiment":"positive","sentiment_score":0.4283416271209717}],"sentiment":"neutral","sentiment_score":0.1862976983415358,"num_words":66,"start":20.904999,"end":44.235},{"sentences":[{"text":"Thank you so much for that.","start":44.235,"end":45.775,"sentiment":"positive","sentiment_score":0.5645054678122202},{"text":"How's everything been?","start":45.835,"end":46.635002,"sentiment":"neutral","sentiment_score":0.2620654304822286},{"text":"I know we spoke about two weeks ago there, but how's everything been since we spoke?","start":46.635002,"end":50.235,"sentiment":"neutral","sentiment_score":0.007017727009952068},{"text":"How's the job hunting going?","start":50.235,"end":51.775,"sentiment":"neutral","sentiment_score":0.0071654518134891985},{"text":"Yeah.","start":54.97,"end":55.47,"sentiment":"neutral","sentiment_score":0.019497063010931015}],"sentiment":"neutral","sentiment_score":0.14002700169540702,"num_words":31,"start":44.235,"end":55.47},{"sentences":[{"text":"Yeah.","start":59.21,"end":59.71,"sentiment":"neutral","sentiment_score":0.037414081394672394},{"text":"Yeah.","start":61.05,"end":61.55,"sentiment":"neutral","sentiment_score":0.07810966670513153},{"text":"Oh, well, we'll keep our fingers crossed for you, and we'll definitely make sure we catch up.","start":61.85,"end":66.045,"sentiment":"neutral","sentiment_score":0.23005073210772345},{"text":"I've updated the advice just to reflect your current circumstances.","start":66.525,"end":69.345,"sentiment":"neutral","sentiment_score":0.09358049146831035},{"text":"And, look, when you get a new job, let me know, and we'll definitely come back and reassess the advice again.","start":69.884995,"end":74.924995,"sentiment":"neutral","sentiment_score":0.16612696470249266}],"sentiment":"neutral","sentiment_score":0.16901714734733106,"num_words":50,"start":59.21,"end":74.924995},{"sentences":[{"text":"There's no limit to how many advice documents I can do in a year.","start":74.924995,"end":78.045,"sentiment":"neutral","sentiment_score":0.11373626015016011},{"text":"It's whenever your life changes, whenever your goals change, I will go through and update those advice documents for you.","start":78.045,"end":84.48,"sentiment":"neutral","sentiment_score":0.14741802997887135},{"text":"Okay?","start":84.48,"end":84.98,"sentiment":"neutral","sentiment_score":0.09591227769851685},{"text":"Beautiful.","start":87.04,"end":87.54,"sentiment":"positive","sentiment_score":0.3776044249534607},{"text":"Now I'm just I'm just gonna send this one through to you via Otis, I'm gonna see your email.","start":87.840004,"end":93.200005,"sentiment":"neutral","sentiment_score":0.1367336315544028}],"sentiment":"neutral","sentiment_score":0.13840225352482363,"num_words":55,"start":74.924995,"end":93.200005},{"sentences":[{"text":"Are you able to jump into your emails there at all?","start":93.200005,"end":95.86,"sentiment":"neutral","sentiment_score":0.08847553045912222},{"text":"Yep.","start":99.09499,"end":99.59499,"sentiment":"neutral","sentiment_score":0.031898610293865204},{"text":"That that's okay.","start":102.774994,"end":104.314995,"sentiment":"neutral","sentiment_score":0.05508369828263918},{"text":"There we go.","start":114.310005,"end":114.950005,"sentiment":"neutral","sentiment_score":0.14172865450382233},{"text":"Beautiful.","start":114.950005,"end":115.350006,"sentiment":"positive","sentiment_score":0.5692324042320251}],"sentiment":"neutral","sentiment_score":0.1139367846281905,"num_words":19,"start":93.200005,"end":115.350006},{"sentences":[{"text":"Now you may you may have mentioned that you're on speaker.","start":115.350006,"end":117.43,"sentiment":"neutral","sentiment_score":0.09544716978614981},{"text":"You're happy for me to continue with everything?","start":117.43,"end":119.53001,"sentiment":"positive","sentiment_score":0.37379980087280273},{"text":"Yep.","start":121.365005,"end":121.845,"sentiment":"neutral","sentiment_score":0.2563542127609253},{"text":"Beautiful.","start":121.845,"end":122.345,"sentiment":"positive","sentiment_score":0.5552657246589661},{"text":"Excellent.","start":123.765,"end":124.265,"sentiment":"positive","sentiment_score":0.4769870638847351}],"sentiment":"neutral","sentiment_score":0.24222383072430437,"num_words":22,"start":115.350006,"end":124.265},{"sentences":[{"text":"Okay.","start":124.645004,"end":125.145004,"sentiment":"neutral","sentiment_score":0.15310294926166534},{"text":"Now when that comes through, there is a button that says sign.","start":126.165,"end":129.445,"sentiment":"neutral","sentiment_score":0.0243100527053078},{"text":"I don't ever want you to sign anything you haven't read, but you just click the button so it allows you to go through to the next page.","start":129.445,"end":134.64,"sentiment":"neutral","sentiment_score":0.007391412243513125},{"text":"Alternatively, there are some links from the bottom.","start":135.52,"end":137.6,"sentiment":"neutral","sentiment_score":0.027940956875681877},{"text":"Oh, beautiful.","start":137.6,"end":138.34,"sentiment":"positive","sentiment_score":0.38682763278484344}],"sentiment":"neutral","sentiment_score":0.03233266755135036,"num_words":51,"start":124.645004,"end":138.34},{"sentences":[{"text":"Beautiful.","start":138.56,"end":139.06,"sentiment":"positive","sentiment_score":0.4022903442382813},{"text":"So the first page there, Nick, it has down that the advice document has been prepared for yourself as of the 04/21/2026 of today's date.","start":140.0,"end":148.335,"sentiment":"neutral","sentiment_score":0.09932380869984626},{"text":"Now all of our advice documents are valid for sixty days.","start":148.41501,"end":151.455,"sentiment":"neutral","sentiment_score":0.054357161237434906},{"text":"However, if you do just sign outside of that sixty days, we just need to go through and make sure there's no changes to your circumstances.","start":151.455,"end":157.07501,"sentiment":"neutral","sentiment_score":-0.01715861504467634},{"text":"The document has been prepared by myself, Dana Taylor, and my authorized representative number registered with ASIC is 1304394.","start":158.335,"end":166.74,"sentiment":"neutral","sentiment_score":0.028278038689964695}],"sentiment":"neutral","sentiment_score":0.043591135113341055,"num_words":82,"start":138.56,"end":166.74},{"sentences":[{"text":"Okay.","start":166.74,"end":167.24,"sentiment":"neutral","sentiment_score":0.28569433093070984},{"text":"Fantastic.","start":169.14,"end":169.64,"sentiment":"positive","sentiment_score":0.4992566704750061},{"text":"Now to make this a bit easier, I will let you go back and have a really good read of the document later.","start":170.66,"end":176.04001,"sentiment":"neutral","sentiment_score":0.28557538986206055},{"text":"Feel free to have a look at all the information there for you and all your advantages, disadvantages, and risks involved because there are quite a few pages.","start":176.405,"end":183.705,"sentiment":"neutral","sentiment_score":0.14321785686271532},{"text":"What I'll do is I'll direct you to the main sections to run you through the advice, and then I'll let you go back and have a read for a read of it as well.","start":184.00499,"end":190.64499,"sentiment":"neutral","sentiment_score":0.14585643027509962}],"sentiment":"neutral","sentiment_score":0.18713931840929118,"num_words":88,"start":166.74,"end":190.64499},{"sentences":[{"text":"Okay?","start":190.64499,"end":191.14499,"sentiment":"neutral","sentiment_score":0.16350892186164856},{"text":"Beautiful.","start":192.79,"end":193.29,"sentiment":"positive","sentiment_score":0.39745956659317017},{"text":"Now if you can scroll down to page number 19 for me there, it should have the heading investment.","start":193.43,"end":204.89,"sentiment":"neutral","sentiment_score":0.08059590447105859},{"text":"Yep.","start":208.445,"end":208.925,"sentiment":"neutral","sentiment_score":0.14015117287635803},{"text":"Beautiful.","start":208.925,"end":209.425,"sentiment":"neutral","sentiment_score":0.2874099910259247}],"sentiment":"neutral","sentiment_score":0.1095587755350963,"num_words":23,"start":190.64499,"end":209.425},{"sentences":[{"text":"So with this advice document, the main part of it is around the superannuation side of things.","start":210.285,"end":214.605,"sentiment":"neutral","sentiment_score":0.08768082278616288},{"text":"So we are gonna have to retain QSuper for the moment.","start":214.605,"end":217.585,"sentiment":"neutral","sentiment_score":0.018764710096134382},{"text":"Just because of the change in your employment status means we wanna keep that that TPD and the income protection component attached.","start":217.91,"end":224.33,"sentiment":"neutral","sentiment_score":0.006876407741484317},{"text":"This has been unemployed at the moment.","start":224.87,"end":226.31,"sentiment":"neutral","sentiment_score":-0.30477271335465567},{"text":"We're not able to apply for new disability cover, so we wanna keep that for the moment.","start":226.31,"end":230.65,"sentiment":"neutral","sentiment_score":-0.1605329077471705}],"sentiment":"neutral","sentiment_score":-0.040732454816886296,"num_words":74,"start":210.285,"end":230.65},{"sentences":[{"text":"And then when you are do get your new role, then we can look at maybe consolidating things over for you.","start":230.955,"end":236.47499,"sentiment":"neutral","sentiment_score":0.01234504021704197},{"text":"Okay?","start":236.47499,"end":236.97499,"sentiment":"neutral","sentiment_score":0.016551300883293152},{"text":"But to help you in meeting your goals and working forward for the moment, we're gonna retain the q super and the hub twenty four account.","start":237.995,"end":243.84999,"sentiment":"neutral","sentiment_score":0.2379598583166416},{"text":"I've reviewed both them.","start":243.84999,"end":244.97,"sentiment":"neutral","sentiment_score":0.20914435759186745},{"text":"Q super is still perfectly great as an investment, and hub twenty four is still working really well for you.","start":244.97,"end":250.34999,"sentiment":"positive","sentiment_score":0.7549144178628922}],"sentiment":"neutral","sentiment_score":0.3110780451291551,"num_words":72,"start":230.955,"end":250.34999},{"sentences":[{"text":"We are, however, gonna make some changes to the investment portfolio.","start":250.81,"end":254.43,"sentiment":"neutral","sentiment_score":0.0031371526420116425},{"text":"So as we kinda spoke about last time, Benelong Australian Equities has been underperforming significantly.","start":254.73,"end":260.415,"sentiment":"neutral","sentiment_score":-0.26125035583972933},{"text":"So we are removing that investment completely out of your portfolio, and then just doing a bit more of a rebalance of things for you as well.","start":260.635,"end":267.515,"sentiment":"neutral","sentiment_score":-0.12158927831936765},{"text":"So some of the other investments have done really well, so we can actually offset some of the the losses made by Benelong to rebalance your portfolio and to minimize as much of the capital gains consequences as possible.","start":267.515,"end":280.41998,"sentiment":"neutral","sentiment_score":0.11567414045715943},{"text":"Okay?","start":280.63998,"end":281.13998,"sentiment":"neutral","sentiment_score":0.00847381167113781}],"sentiment":"neutral","sentiment_score":-0.028466579394154652,"num_words":93,"start":250.81,"end":281.13998},{"sentences":[{"text":"So we're gonna look at with the battery and lithium tech, they're just rebalancing it back to about 7%.","start":282.835,"end":287.875,"sentiment":"neutral","sentiment_score":0.05682920272413053},{"text":"You're a bit overweighted there at the moment.","start":287.875,"end":289.895,"sentiment":"neutral","sentiment_score":-0.12470551673322916},{"text":"With the bank hybrids, they are being phased out in the future.","start":290.19498,"end":292.91498,"sentiment":"neutral","sentiment_score":-0.07600505246470372},{"text":"So we're gonna sell those off completely and move the funds into the core composite bonds so that one's just a little bit lower, the IAF investment.","start":292.91498,"end":301.32,"sentiment":"neutral","sentiment_score":-0.001971589677311756},{"text":"We'll be buying into that 20% for that.","start":302.02002,"end":304.42,"sentiment":"neutral","sentiment_score":0.10888656042516232}],"sentiment":"neutral","sentiment_score":-0.00016338310229617158,"num_words":74,"start":282.835,"end":304.42},{"sentences":[{"text":"That's more of a a defensive investment.","start":304.42,"end":306.44,"sentiment":"neutral","sentiment_score":0.17919343071324484},{"text":"It looks at both government and corporate bonds.","start":306.5,"end":308.74002,"sentiment":"neutral","sentiment_score":0.1389791425317526},{"text":"It also has debt and also looks at diversification across different countries with credit notes and things like that.","start":308.74002,"end":315.725,"sentiment":"neutral","sentiment_score":0.15059898793697357},{"text":"So it is a really good defensive investment, good for cash producing.","start":315.725,"end":319.085,"sentiment":"positive","sentiment_score":0.48982401192188263},{"text":"They pay dividends on a regular basis as well.","start":319.085,"end":321.905,"sentiment":"neutral","sentiment_score":0.30637525849872166}],"sentiment":"neutral","sentiment_score":0.25205151628364214,"num_words":55,"start":304.42,"end":321.905},{"sentences":[{"text":"We're also going to look at rebalancing the physical gold.","start":323.02002,"end":325.90002,"sentiment":"neutral","sentiment_score":0.08968216516077518},{"text":"The physical gold has done extremely well over the last twelve months and has seen some really good gains.","start":325.90002,"end":330.46002,"sentiment":"positive","sentiment_score":0.6494171399819223},{"text":"We wanna cement some of those gains so that we can have that spread across the other areas of your portfolio and just bring your rebalancing back a little bit by having too much physical gold as it is a growth investment.","start":330.46002,"end":342.125,"sentiment":"positive","sentiment_score":0.3566234755728926},{"text":"Like some of your other growth investments, if you stay overweighted, you end up taking on a little bit too much risk.","start":342.125,"end":347.505,"sentiment":"neutral","sentiment_score":-0.18292390487410806},{"text":"And in the current climate, we don't wanna be overexposing you to risk.","start":347.565,"end":351.24,"sentiment":"neutral","sentiment_score":-0.09306981973350048}],"sentiment":"neutral","sentiment_score":0.21678962001471586,"num_words":106,"start":323.02002,"end":351.24},{"sentences":[{"text":"Okay?","start":351.47998,"end":351.97998,"sentiment":"neutral","sentiment_score":0.05479913949966431},{"text":"Excellent.","start":354.12,"end":354.62,"sentiment":"positive","sentiment_score":0.40749746561050415},{"text":"So we've also got the cybersecurity in there.","start":355.88,"end":358.19998,"sentiment":"neutral","sentiment_score":0.18609348591417074},{"text":"So we're adding so you've got a 6.6% there.","start":358.19998,"end":361.72,"sentiment":"neutral","sentiment_score":0.18190346658229828},{"text":"We'll be it's just selling a little bit and sort of rebalancing it back a little bit there.","start":361.72,"end":365.41998,"sentiment":"neutral","sentiment_score":0.1304648427499665}],"sentiment":"neutral","sentiment_score":0.16044710435577342,"num_words":37,"start":351.47998,"end":365.41998},{"sentences":[{"text":"The s and p five hundred has been doing quite well.","start":365.825,"end":368.225,"sentiment":"positive","sentiment_score":0.36727021770043805},{"text":"I know it's been a bit up and down at the moment, but it has still seen a really good gain.","start":368.225,"end":371.665,"sentiment":"neutral","sentiment_score":0.21643139350981938},{"text":"So we are just gonna rebalance it back a little bit to 25% there.","start":371.665,"end":375.525,"sentiment":"neutral","sentiment_score":0.2131433327283178},{"text":"And then the so the Rafi a 200, we'll be rebalancing that back to about 15% as well.","start":375.665,"end":382.76,"sentiment":"neutral","sentiment_score":0.15347320131129688},{"text":"We'll be buying in a bit more of the VanEck Australian properties, a bit underweighted at the moment, increasing that component.","start":383.78003,"end":390.12003,"sentiment":"neutral","sentiment_score":0.09102244604201544}],"sentiment":"neutral","sentiment_score":0.19109443890697816,"num_words":85,"start":365.825,"end":390.12003},{"sentences":[{"text":"And instead of having the Benelon Australian equities, we're gonna buy into the BetaShares a 200.","start":390.34003,"end":395.905,"sentiment":"neutral","sentiment_score":0.114287702832371},{"text":"The BetaShares a 200 still gives you access to the top 200 companies in Australia, so it's still giving you access to Australian equities.","start":396.525,"end":403.745,"sentiment":"neutral","sentiment_score":0.28886667514840764},{"text":"It's just gonna be a little bit cheaper, and it's more of a passively managed investment, which is fantastic.","start":404.365,"end":409.06,"sentiment":"positive","sentiment_score":0.5118101396058735},{"text":"And it's actually cheaper, so it saves you a bit in fees, which is important.","start":409.12,"end":412.34,"sentiment":"positive","sentiment_score":0.4526213049888611},{"text":"Okay?","start":412.56,"end":413.06,"sentiment":"neutral","sentiment_score":0.19207161664962769}],"sentiment":"positive","sentiment_score":0.3395624972383181,"num_words":75,"start":390.34003,"end":413.06},{"sentences":[{"text":"Excellent.","start":414.72,"end":415.22,"sentiment":"positive","sentiment_score":0.5261847376823425},{"text":"Now when we had a look at your portfolio together because when we look at the way you waited between hub four and q super, we look at those together.","start":415.75998,"end":423.125,"sentiment":"neutral","sentiment_score":0.11469342025617758},{"text":"We wanna make sure that between the two accounts, you're not overweighted.","start":423.345,"end":426.885,"sentiment":"neutral","sentiment_score":0.023972953980167706},{"text":"When I had a look at all that for you, it actually did show that with the two funds, you were a little bit overweighted there.","start":427.42502,"end":434.14502,"sentiment":"neutral","sentiment_score":-0.13399616141731924},{"text":"So what we're gonna do is we're gonna sorta also just remove the balanced investment within your q super and keep the high growth investment.","start":434.14502,"end":443.09,"sentiment":"neutral","sentiment_score":0.1019585794210434}],"sentiment":"neutral","sentiment_score":0.035316245551122,"num_words":94,"start":414.72,"end":443.09},{"sentences":[{"text":"So between the two funds, you're sitting at that right at the right amount of, you know, risk versus defensive and growth allocation in that growth kind of portfolio.","start":443.09,"end":452.965,"sentiment":"neutral","sentiment_score":0.175884282794492},{"text":"Because when we kind of looked at the way you were within q super and hub twenty four, it was a little bit overweighted there, and having the one investment can also make it a bit cheaper for you.","start":453.265,"end":463.02502,"sentiment":"neutral","sentiment_score":0.05705331447414863},{"text":"So when we looked at the high growth within q super versus what we're moving you into and rebalancing to within hub twenty four, it all worked out quite even there for you.","start":463.02502,"end":471.99,"sentiment":"neutral","sentiment_score":0.3152863211704023},{"text":"Okay?","start":471.99,"end":472.49,"sentiment":"neutral","sentiment_score":0.17142073810100555},{"text":"Perfect.","start":474.15,"end":474.65,"sentiment":"positive","sentiment_score":0.6121859550476074}],"sentiment":"neutral","sentiment_score":0.17974542482819372,"num_words":103,"start":443.09,"end":474.65},{"sentences":[{"text":"So on the next page there, you'll see we do have to hold a certain amount of cash within hub twenty four.","start":475.91,"end":480.63,"sentiment":"neutral","sentiment_score":0.23988160558722235},{"text":"It's 1.25%.","start":480.63,"end":482.33,"sentiment":"neutral","sentiment_score":0.19702840596437454},{"text":"So, essentially, we'll just see reducing your cash balance there a little bit.","start":482.83502,"end":486.99503,"sentiment":"neutral","sentiment_score":0.15272252147014326},{"text":"Okay?","start":486.99503,"end":487.49503,"sentiment":"neutral","sentiment_score":0.09237047284841536},{"text":"If you scroll down to page number 22 for me, this is the fee comparison table.","start":490.035,"end":495.075,"sentiment":"neutral","sentiment_score":0.05787926563061774}],"sentiment":"neutral","sentiment_score":0.16065340068329265,"num_words":54,"start":475.91,"end":495.075},{"sentences":[{"text":"This sort of shows you the recommendation there.","start":495.075,"end":500.06,"sentiment":"neutral","sentiment_score":0.06434739753603935},{"text":"Okay.","start":501.24002,"end":501.74002,"sentiment":"neutral","sentiment_score":0.021174024790525436},{"text":"22.","start":503.80002,"end":504.44,"sentiment":"neutral","sentiment_score":0.010771188884973526},{"text":"So sorry.","start":504.44,"end":504.92,"sentiment":"neutral","sentiment_score":-0.010329458862543106},{"text":"It says fee comparison at the top.","start":504.92,"end":506.92,"sentiment":"neutral","sentiment_score":0.05712213074522359}],"sentiment":"neutral","sentiment_score":0.04873265218185751,"num_words":19,"start":495.075,"end":506.92},{"sentences":[{"text":"Yeah.","start":506.92,"end":507.42,"sentiment":"neutral","sentiment_score":0.06916493922472},{"text":"You got that?","start":516.455,"end":517.175,"sentiment":"neutral","sentiment_score":0.11994313697020213},{"text":"Perfect.","start":517.175,"end":517.675,"sentiment":"positive","sentiment_score":0.43259090185165405},{"text":"Now this this sort of shows the current versus the recommended of what we're moment, you've got your two funds with the two balances between it there, and you've also got your administration fees, investment fees, any other fees applicable to the funds, the adviser service fee for us looking after everything.","start":518.455,"end":534.86,"sentiment":"neutral","sentiment_score":0.18997805608579746},{"text":"I've taken out contributions to make this more of a realistic projection.","start":535.325,"end":539.505,"sentiment":"neutral","sentiment_score":0.21986966952681541}],"sentiment":"neutral","sentiment_score":0.19389681453290192,"num_words":69,"start":506.92,"end":539.505},{"sentences":[{"text":"So whilst you're still actively looking for work, I didn't wanna kinda overproject and give you something was unachievable.","start":539.645,"end":545.025,"sentiment":"neutral","sentiment_score":-0.16968593212138666},{"text":"So I've left it with no contributions currently for you and then your insurance premiums in there, which will stay within q super.","start":545.645,"end":552.63,"sentiment":"neutral","sentiment_score":-0.007054308105422103},{"text":"Okay?","start":552.76996,"end":553.26996,"sentiment":"neutral","sentiment_score":0.06432804465293884},{"text":"So the current portfolio has averaged about 12.57% when we look at the way we're rebalancing and by removing Van Along and the the bank hybrids there, you can see the newer portfolio has averaged a much higher three year rolling average.","start":554.76996,"end":569.635,"sentiment":"positive","sentiment_score":0.34193686076572966},{"text":"Okay?","start":569.855,"end":570.355,"sentiment":"neutral","sentiment_score":0.2701505124568939}],"sentiment":"neutral","sentiment_score":0.13150633619231886,"num_words":86,"start":539.645,"end":570.355},{"sentences":[{"text":"On the next page, even with no additional contributions going in, you can sort of see over the next five to ten years if the portfolio was able to get what had over the past three years, you can sort of see yourself in a much greater position moving forward, which is kind of why we've gone forward that recommendation for you.","start":571.855,"end":587.76,"sentiment":"positive","sentiment_score":0.5256699451035068},{"text":"Okay.","start":587.76,"end":588.26,"sentiment":"neutral","sentiment_score":0.2499796152114868},{"text":"Yeah.","start":589.92004,"end":590.42004,"sentiment":"positive","sentiment_score":0.4469861090183258},{"text":"All good.","start":590.48004,"end":591.22003,"sentiment":"positive","sentiment_score":0.6282663643360138},{"text":"It's been really important to note that when we sort of look at the fee structure, whenever we're making changes to your portfolio, there is a difference to account for.","start":591.76,"end":601.035,"sentiment":"neutral","sentiment_score":0.053976074978709224}],"sentiment":"positive","sentiment_score":0.37671163852792233,"num_words":96,"start":571.855,"end":601.035},{"sentences":[{"text":"So we do estimate, and you'll see in the differences column on that fee table there, the $278, that's essentially the CGT consequences.","start":601.035,"end":608.735,"sentiment":"neutral","sentiment_score":0.056058087264714035},{"text":"So your super fund, just like yourself, does a tax return every year.","start":608.95496,"end":613.69,"sentiment":"neutral","sentiment_score":0.09548063977406575},{"text":"And so we've done the research to show that with all the changes that we are making there, we do estimate the CGT consequences for your super fund is about $278.","start":613.83,"end":622.87,"sentiment":"neutral","sentiment_score":0.1297494087728762},{"text":"So your super fund will pay that in CGT.","start":622.87,"end":624.97003,"sentiment":"neutral","sentiment_score":0.10450270771980286},{"text":"Okay?","start":625.485,"end":625.985,"sentiment":"neutral","sentiment_score":0.04342293366789818}],"sentiment":"neutral","sentiment_score":0.09788004284748783,"num_words":77,"start":601.035,"end":625.985},{"sentences":[{"text":"With the administration fee, we are also recommending there that we're rolling over some money out of QSuper.","start":627.725,"end":632.46497,"sentiment":"neutral","sentiment_score":-0.03011587800251113},{"text":"Obviously, keeping as much money in hub twenty four in the better performing portfolio is really important.","start":633.325,"end":638.845,"sentiment":"neutral","sentiment_score":0.07426431840833496},{"text":"But because you're not working at the moment, I am increasing the amount that we're gonna leave behind.","start":638.845,"end":643.16,"sentiment":"neutral","sentiment_score":-0.2775683667924669},{"text":"So I do wanna leave 15,000 in q super.","start":643.45996,"end":646.25995,"sentiment":"neutral","sentiment_score":0.11215662376748191},{"text":"That's make sure you've got a higher balance than the minimum required to keep your insurances in place.","start":646.25995,"end":651.24,"sentiment":"neutral","sentiment_score":0.23755587885777155}],"sentiment":"neutral","sentiment_score":0.012619905499741435,"num_words":80,"start":627.725,"end":651.24},{"sentences":[{"text":"I'm also gonna organize an opt in letter to send to them.","start":651.37994,"end":654.57996,"sentiment":"neutral","sentiment_score":0.1267421772548308},{"text":"That way we can make sure that, you know, if you're off work for an extended period of time, that the opt in form protects your insurances as a secondary measure for you.","start":654.57996,"end":663.115,"sentiment":"neutral","sentiment_score":0.3136727483660886},{"text":"And then anything over that 15,000 can be rolled into Hub twenty four so it's invested nice and easily in that portfolio.","start":663.335,"end":670.235,"sentiment":"positive","sentiment_score":0.4295995980501175},{"text":"Sorry.","start":671.27,"end":671.77,"sentiment":"neutral","sentiment_score":-0.03187955915927887},{"text":"By moving money into Hub twenty four, we do know there is gonna be an increase in the administration fees.","start":672.15,"end":678.25,"sentiment":"neutral","sentiment_score":-0.02626432925462723}],"sentiment":"neutral","sentiment_score":0.2359787708635188,"num_words":88,"start":651.37994,"end":678.25},{"sentences":[{"text":"However, when you look at the investment fees, by making the changes to the portfolio, we're actually saving about $448 in investment fees.","start":678.39,"end":686.15,"sentiment":"neutral","sentiment_score":0.267986663657686},{"text":"So it's a pretty big savings, an increase in the admin fees by about $91.","start":686.15,"end":690.65497,"sentiment":"neutral","sentiment_score":0.28099753757317864},{"text":"So yeah.","start":690.65497,"end":693.375,"sentiment":"neutral","sentiment_score":0.31601011753082275},{"text":"All good.","start":693.375,"end":694.115,"sentiment":"positive","sentiment_score":0.5347723364830017},{"text":"There's essentially no real changes to sorry.","start":694.975,"end":698.675,"sentiment":"neutral","sentiment_score":-0.09396240540913173}],"sentiment":"neutral","sentiment_score":0.23311192648751394,"num_words":49,"start":678.39,"end":698.675},{"sentences":[{"text":"No real changes to the insurance in any way, shape, or form at the moment.","start":699.64,"end":703.33997,"sentiment":"neutral","sentiment_score":-0.05785304307937622},{"text":"However, that down the track can change.","start":703.88,"end":705.64,"sentiment":"neutral","sentiment_score":0.02620193042925426},{"text":"When you have that change in circumstances, let me know.","start":705.64,"end":708.2,"sentiment":"neutral","sentiment_score":0.13843793123960496},{"text":"We'll happily make time to have a bit of a chat and see what we can do and update the advice for you moving forward.","start":708.2,"end":713.08,"sentiment":"positive","sentiment_score":0.39247419357299806},{"text":"Okay?","start":713.08,"end":713.58,"sentiment":"neutral","sentiment_score":0.2531224489212036}],"sentiment":"neutral","sentiment_score":0.1856030080595921,"num_words":58,"start":699.64,"end":713.58},{"sentences":[{"text":"All good.","start":715.09503,"end":715.575,"sentiment":"positive","sentiment_score":0.4637729823589325},{"text":"Do you have any questions so far at all?","start":715.575,"end":717.91504,"sentiment":"neutral","sentiment_score":0.14061875724130207},{"text":"Perfect.","start":721.09503,"end":721.59503,"sentiment":"positive","sentiment_score":0.4242675304412842},{"text":"Perfect.","start":721.815,"end":722.315,"sentiment":"neutral","sentiment_score":0.26893350481987},{"text":"So sorry.","start":722.695,"end":723.435,"sentiment":"neutral","sentiment_score":-0.019116265699267387}],"sentiment":"neutral","sentiment_score":0.18987221891681352,"num_words":15,"start":715.09503,"end":723.435},{"sentences":[{"text":"The next page, if it keeps going down, is the insurance section.","start":724.055,"end":728.61,"sentiment":"neutral","sentiment_score":-0.0545772189895312},{"text":"So on page number 24.","start":728.61,"end":730.29,"sentiment":"neutral","sentiment_score":-0.013523358479142189},{"text":"So we did talk about how we're not able to apply for disability covers for TBD or income protection at the moment, so we wanna do hold off on that.","start":730.29,"end":737.89,"sentiment":"neutral","sentiment_score":-0.11160644963383674},{"text":"However, we can look to increase your life if you wanted to and also the trauma.","start":737.89,"end":743.935,"sentiment":"neutral","sentiment_score":0.016536815091967583},{"text":"So we did talk about applying for trauma cover.","start":743.935,"end":746.51495,"sentiment":"neutral","sentiment_score":0.0586498880551921}],"sentiment":"neutral","sentiment_score":-0.04553192882384691,"num_words":72,"start":724.055,"end":746.51495},{"sentences":[{"text":"Life cover and trauma aren't necessarily underwritten by occupation, so they're a lot easier to apply for when you're not working.","start":746.975,"end":753.39496,"sentiment":"neutral","sentiment_score":0.06520401970261619},{"text":"I wanted to include this in the advice document to show you the recommendation.","start":753.77997,"end":757.48,"sentiment":"neutral","sentiment_score":0.1976115299122674},{"text":"However, it does come down to your budget and what you're comfortable with.","start":757.94,"end":761.54,"sentiment":"neutral","sentiment_score":0.06159419852953691},{"text":"And if you decide not to take forward this insurance recommendation, that's absolutely fine.","start":761.54,"end":766.12,"sentiment":"neutral","sentiment_score":-0.1427130712462323},{"text":"Okay?","start":766.18,"end":766.68,"sentiment":"neutral","sentiment_score":0.08644048869609833}],"sentiment":"neutral","sentiment_score":0.04801631594697634,"num_words":63,"start":746.975,"end":766.68},{"sentences":[{"text":"So the first table there does show that we're retaining your life, your TPD, and income protection within q super and the current premium that you're paying for that one.","start":768.855,"end":777.835,"sentiment":"neutral","sentiment_score":0.1823346386353175},{"text":"If you go down to the next page there, I am making a recommendation that we do apply for two years of income with Clearview to be held outside of super, and this is the trauma policy.","start":778.455,"end":790.13,"sentiment":"neutral","sentiment_score":0.07210421088982273},{"text":"I'm linking a bit of life to the trauma policy because it actually makes the policy cheaper.","start":790.50995,"end":795.17,"sentiment":"positive","sentiment_score":0.3581995613434735},{"text":"But we wanted to when we spoke last time, we talked about the insurances.","start":795.925,"end":798.96497,"sentiment":"neutral","sentiment_score":0.07115038803645543},{"text":"We wanted to see what maybe two years worth of income based on the $70,000 income might look like for trauma, and this is essentially what it looks like.","start":798.96497,"end":807.045,"sentiment":"neutral","sentiment_score":0.11821946116357014}],"sentiment":"neutral","sentiment_score":0.14686423079587343,"num_words":127,"start":768.855,"end":807.045},{"sentences":[{"text":"It would be about $34.77 out of pocket.","start":807.045,"end":810.26495,"sentiment":"neutral","sentiment_score":0.08447665348649025},{"text":"And trauma covers you for things like a heart attack, a stroke, certain neurological conditions.","start":810.35004,"end":815.09,"sentiment":"neutral","sentiment_score":0.01478784903883934},{"text":"We can't pay for trauma inside, so it is an out of pocket cost.","start":815.39,"end":819.25,"sentiment":"neutral","sentiment_score":-0.06856354166354452},{"text":"So it does come down to your expenditure at the moment whether you could afford to do that or not.","start":820.27,"end":825.045,"sentiment":"neutral","sentiment_score":0.03939569368958473},{"text":"I'm fine either way.","start":825.605,"end":826.64496,"sentiment":"neutral","sentiment_score":0.2438429892063141}],"sentiment":"neutral","sentiment_score":0.02788569198035803,"num_words":61,"start":807.045,"end":826.64496},{"sentences":[{"text":"We can always revisit this down the track, but I didn't wanna just just take this out of the recommendations.","start":826.64496,"end":831.545,"sentiment":"neutral","sentiment_score":-0.007195604220032692},{"text":"I figured I could show you what it looks like and let you kinda decide what your budget will allow you to do.","start":831.845,"end":837.445,"sentiment":"neutral","sentiment_score":0.29301437800345215},{"text":"Okay?","start":837.445,"end":837.945,"sentiment":"neutral","sentiment_score":0.16632242500782013},{"text":"The reason I've attached a bit of life to this is that, a, it does make the policy cheaper.","start":840.01,"end":844.25,"sentiment":"positive","sentiment_score":0.43014838036737946},{"text":"You get a multi policy discount, but it also means that you're getting a little bit of extra life in the event that something was to happen.","start":844.25,"end":850.25,"sentiment":"positive","sentiment_score":0.43427521100750677}],"sentiment":"neutral","sentiment_score":0.2962221217652162,"num_words":90,"start":826.64496,"end":850.25},{"sentences":[{"text":"So if you were to pass away, your life policy in q super pays out, which is currently a sum insured of 500,000.","start":850.25,"end":856.815,"sentiment":"neutral","sentiment_score":0.28732655488926434},{"text":"But it also means that your super benefit is paid out, and then you can also get this 140 on top of that.","start":857.195,"end":862.73505,"sentiment":"positive","sentiment_score":0.3971487776092861},{"text":"The other advantage to this is that with life policies held outside of super, your family and your beneficiaries can actually also claim a funeral benefit, which is an upfront out of upfront cost.","start":863.11505,"end":875.71,"sentiment":"neutral","sentiment_score":0.32273081339457454},{"text":"Generally, it can be expected 15 to 25,000 depending on the insurer that you're with, And that is paid within twenty four hours so your family can cover the cost of your funeral.","start":876.25,"end":886.115,"sentiment":"neutral","sentiment_score":0.08697357576227549},{"text":"This is something that's not available to life policies inside so far.","start":886.415,"end":890.915,"sentiment":"negative","sentiment_score":-0.35067643597722054}],"sentiment":"neutral","sentiment_score":0.2030223285704851,"num_words":125,"start":850.25,"end":890.915},{"sentences":[{"text":"So I did wanna kind of add this in here for you just to show you what it looks like and the monthly cost involved, and then you can let me know whether or not you're able to afford this.","start":891.21497,"end":900.98004,"sentiment":"neutral","sentiment_score":0.06169773959554732},{"text":"If you choose not to, it's absolutely okay.","start":900.98004,"end":903.32,"sentiment":"neutral","sentiment_score":0.13741598557680845},{"text":"We are you'll get work in the next few months, and we'll reevaluate it, and we can always make the recommendation and update the recommendation then for you as well.","start":903.54004,"end":911.115,"sentiment":"neutral","sentiment_score":0.17973415007193883},{"text":"Okay?","start":911.27496,"end":911.77496,"sentiment":"neutral","sentiment_score":0.08851185441017151},{"text":"Yeah.","start":912.875,"end":913.375,"sentiment":"positive","sentiment_score":0.3495294153690338}],"sentiment":"neutral","sentiment_score":0.11746629050467164,"num_words":80,"start":891.21497,"end":913.375},{"sentences":[{"text":"Beautiful.","start":913.675,"end":914.175,"sentiment":"positive","sentiment_score":0.6970227956771851},{"text":"ClearView is actually one of the better policies to go with.","start":914.315,"end":917.135,"sentiment":"positive","sentiment_score":0.5646756453947588},{"text":"The main sort of reason I went with ClearView on this is that it whilst it didn't have the highest score for features and benefits, it actually did have the lowest cost, which was kind of really important for you.","start":917.27496,"end":930.28,"sentiment":"positive","sentiment_score":0.3547722645103931},{"text":"And when you look at the funeral benefit, they actually pay out the highest funeral benefit.","start":930.28,"end":934.38,"sentiment":"neutral","sentiment_score":0.17162202904000878},{"text":"They generally allow you to draw down the funeral benefit at a an amount of 25,000, which is one of the highest ones out there, which is pretty cool.","start":934.44,"end":942.435,"sentiment":"neutral","sentiment_score":0.13975050248976412}],"sentiment":"neutral","sentiment_score":0.2876088918791604,"num_words":97,"start":913.675,"end":942.435},{"sentences":[{"text":"It's pretty nice funeral.","start":943.135,"end":944.275,"sentiment":"positive","sentiment_score":0.5209732726216316},{"text":"It's really not.","start":950.815,"end":951.855,"sentiment":"neutral","sentiment_score":-0.24953915178775787},{"text":"It's really not.","start":951.855,"end":952.62,"sentiment":"neutral","sentiment_score":-0.26891933878262836},{"text":"So when you kinda break that down even further, depending on sort of how you work your budget at, if you looked at it on a weekly basis sorry.","start":952.62,"end":960.3,"sentiment":"neutral","sentiment_score":-0.09724887550391},{"text":"So $34.77.","start":960.3,"end":962.08,"sentiment":"neutral","sentiment_score":-0.05609545670449734}],"sentiment":"neutral","sentiment_score":-0.05863148010358578,"num_words":41,"start":943.135,"end":962.08},{"sentences":[{"text":"It works with a bit of $8.69 on a weekly basis, which is pretty minimal to get a $140,000 benefit of life and trauma.","start":962.7,"end":970.895,"sentiment":"neutral","sentiment_score":-0.1336853795995315},{"text":"Yeah.","start":974.635,"end":975.115,"sentiment":"neutral","sentiment_score":0.02370508573949337},{"text":"But now it's all good.","start":975.115,"end":976.395,"sentiment":"neutral","sentiment_score":0.1614508807659149},{"text":"Let you I'll let you take that one back.","start":976.395,"end":977.995,"sentiment":"neutral","sentiment_score":0.02758679994278484},{"text":"Have a bit of a think about it.","start":977.995,"end":979.275,"sentiment":"neutral","sentiment_score":0.017704042489640415}],"sentiment":"neutral","sentiment_score":-0.04228885279611704,"num_words":47,"start":962.7,"end":979.275},{"sentences":[{"text":"Look at what you've got.","start":979.275,"end":980.575,"sentiment":"neutral","sentiment_score":0.012754875421524047},{"text":"Absolutely.","start":980.98004,"end":981.46,"sentiment":"neutral","sentiment_score":0.029812714084982872},{"text":"As I sort of mentioned, I don't want this to be you have to take this.","start":981.46,"end":985.14,"sentiment":"neutral","sentiment_score":-0.12650692276656628},{"text":"This is this recommendation.","start":985.14,"end":986.12,"sentiment":"neutral","sentiment_score":-0.0051360102370381355},{"text":"So I'll I'm showing you what we're recommending, how and why.","start":986.5,"end":989.62,"sentiment":"neutral","sentiment_score":0.0644314991818233}],"sentiment":"neutral","sentiment_score":-0.033576249270825774,"num_words":37,"start":979.275,"end":989.62},{"sentences":[{"text":"You've got the advantages, disadvantages, and the risks involved in there.","start":989.62,"end":992.9,"sentiment":"neutral","sentiment_score":-0.060455268756909805},{"text":"You can go back, have a look at them, read them over.","start":992.9,"end":995.4,"sentiment":"neutral","sentiment_score":0.13704861452182135},{"text":"Let me know if you do have any additional questions there, and we can always, you know, come back and reassess it.","start":995.495,"end":1001.27496,"sentiment":"neutral","sentiment_score":0.1598244688727639},{"text":"On the last page of the document, you've actually got a line, and there's a text box there.","start":1001.415,"end":1005.815,"sentiment":"neutral","sentiment_score":0.018293710166795388},{"text":"So you can write in that text box anything that you're not wanting to take on board.","start":1005.815,"end":1009.65497,"sentiment":"neutral","sentiment_score":-0.04006613878642812}],"sentiment":"neutral","sentiment_score":0.05179845195962116,"num_words":80,"start":989.62,"end":1009.65497},{"sentences":[{"text":"So you just, you know, if you're not wanting to take the insurances, you just make a note to say that you don't wish to take the insurance recommendations now, and that's absolutely fine.","start":1009.65497,"end":1017.74,"sentiment":"neutral","sentiment_score":-0.058184055173221755},{"text":"We can come back and review that down the track.","start":1017.74,"end":1019.89996,"sentiment":"neutral","sentiment_score":0.08763955850154162},{"text":"Okay?","start":1019.89996,"end":1020.39996,"sentiment":"neutral","sentiment_score":0.04893021658062935},{"text":"Yeah.","start":1021.74,"end":1022.24,"sentiment":"neutral","sentiment_score":0.17522573471069336},{"text":"All good.","start":1022.37994,"end":1023.19995,"sentiment":"positive","sentiment_score":0.3588370084762573}],"sentiment":"neutral","sentiment_score":-0.0033340067214642963,"num_words":48,"start":1009.65497,"end":1023.19995},{"sentences":[{"text":"But, yeah, look, that's essentially the recommendation for life and trauma, giving you a bit of trauma and a bit of life cover there.","start":1023.58496,"end":1029.445,"sentiment":"neutral","sentiment_score":0.05277934418215106},{"text":"And this sort of works with your budget.","start":1029.6649,"end":1031.365,"sentiment":"neutral","sentiment_score":0.2661431524902582},{"text":"It's in best interest because when we talked about it, you were sorta in between roles.","start":1031.505,"end":1035.2849,"sentiment":"neutral","sentiment_score":0.1931507857516408},{"text":"So we looked at calculating two years income based on that 70,000 per annum, so it lands at a 140,000.","start":1035.36,"end":1041.94,"sentiment":"neutral","sentiment_score":0.13968516364693642},{"text":"And the good thing about life and trauma is they're not underwritten with regard to your occupation at all.","start":1042.24,"end":1047.36,"sentiment":"neutral","sentiment_score":0.31774653337503733}],"sentiment":"neutral","sentiment_score":0.17605918918832622,"num_words":87,"start":1023.58496,"end":1047.36},{"sentences":[{"text":"So you can still apply for these when you're unemployed, and there's no sort of detriment to doing so.","start":1047.36,"end":1052.865,"sentiment":"neutral","sentiment_score":0.3273919095334254},{"text":"It's just about making sure the cost, because it does have to be out of pocket, that you're able and comfortable with that out of pocket expense at the moment.","start":1053.0851,"end":1060.545,"sentiment":"neutral","sentiment_score":0.17204887320597967},{"text":"Okay?","start":1060.685,"end":1061.185,"sentiment":"neutral","sentiment_score":0.09128613770008089},{"text":"Yeah.","start":1062.4601,"end":1062.9601,"sentiment":"neutral","sentiment_score":0.24671202898025513},{"text":"All good.","start":1063.1001,"end":1063.92,"sentiment":"positive","sentiment_score":0.45177963376045227}],"sentiment":"neutral","sentiment_score":0.23817867757576816,"num_words":53,"start":1047.36,"end":1063.92},{"sentences":[{"text":"Essentially, that's most of the advice there.","start":1064.9401,"end":1067.18,"sentiment":"neutral","sentiment_score":0.29520187633378164},{"text":"The only other part on page number 32 is the beneficiary side of things.","start":1067.18,"end":1071.28,"sentiment":"neutral","sentiment_score":0.16392408151711738},{"text":"So we did sort of talk about what you wanted to happen to your beneficiaries, just making sure that in the event that something was to happen, that your life cover and your super was distributed where you wanted it to go to.","start":1071.66,"end":1082.545,"sentiment":"neutral","sentiment_score":0.1929326185653376},{"text":"Essentially, you mentioned that you wanted it to be paid to your brother in the event that something happened.","start":1083.005,"end":1087.245,"sentiment":"neutral","sentiment_score":0.14242494537642128},{"text":"So under this this act, your brother doesn't meet the condition to be a beneficiary.","start":1087.245,"end":1092.0651,"sentiment":"neutral","sentiment_score":-0.22958450218041737}],"sentiment":"neutral","sentiment_score":0.12163019697276914,"num_words":98,"start":1064.9401,"end":1092.0651},{"sentences":[{"text":"So what I've recommended is that you take the legal personal representative on both of your super funds and your life cover and the nuclear view policy if you decide to take that.","start":1092.76,"end":1102.5399,"sentiment":"neutral","sentiment_score":0.06552546697132515},{"text":"And that means that in the event of passing, the benefit gets paid to your estate, and then you just need to make sure you have a valid will as updated that reflects your wishes moving forward.","start":1103.08,"end":1113.7949,"sentiment":"neutral","sentiment_score":0.1286115861825041},{"text":"Okay.","start":1113.9349,"end":1114.4349,"sentiment":"neutral","sentiment_score":0.11639373004436492},{"text":"Yeah.","start":1116.095,"end":1116.575,"sentiment":"neutral","sentiment_score":0.09175930917263032},{"text":"Do you have any questions so far at all?","start":1116.575,"end":1119.155,"sentiment":"neutral","sentiment_score":0.06674945106108983}],"sentiment":"neutral","sentiment_score":0.09543045922929858,"num_words":81,"start":1092.76,"end":1119.155},{"sentences":[{"text":"No?","start":1122.51,"end":1122.67,"sentiment":"neutral","sentiment_score":0.05150824785232544},{"text":"All good.","start":1122.67,"end":1123.25,"sentiment":"neutral","sentiment_score":0.3255568891763687},{"text":"You'll see the nomination type there is binding, nonlapsing.","start":1123.5499,"end":1126.37,"sentiment":"neutral","sentiment_score":0.07220729274882211},{"text":"Essentially, when we look at beneficiary nominations, they do have several different nomination types.","start":1127.07,"end":1131.79,"sentiment":"neutral","sentiment_score":0.10232344349580151},{"text":"They have nonbinding, which essentially means that you're making a decision on what you want to happen, but the trustee makes the final decision.","start":1131.79,"end":1139.255,"sentiment":"neutral","sentiment_score":0.09738141888131698}],"sentiment":"neutral","sentiment_score":0.10244339846074581,"num_words":50,"start":1122.51,"end":1139.255},{"sentences":[{"text":"Binding lapsing, which means that you've found the trustee to follow your direction, but you have to refill that document out every three years, or you can have a binding nonlapsing, which is what we're recommending for you, which binds the trustee to follow your direction.","start":1140.035,"end":1153.49,"sentiment":"neutral","sentiment_score":0.09724795826427314},{"text":"But nonlapsing means that you don't have to update that nomination again unless there's a change to what you want what you want on your nomination.","start":1153.79,"end":1162.3151,"sentiment":"neutral","sentiment_score":0.046168770712728686},{"text":"So it just stays in place until you revoke it.","start":1162.535,"end":1165.675,"sentiment":"neutral","sentiment_score":0.009904086962342263},{"text":"Yeah.","start":1167.5751,"end":1168.0751,"sentiment":"positive","sentiment_score":0.4054250121116638},{"text":"All good.","start":1168.295,"end":1169.1951,"sentiment":"positive","sentiment_score":0.6394131183624268}],"sentiment":"neutral","sentiment_score":0.08773042631938177,"num_words":85,"start":1140.035,"end":1169.1951},{"sentences":[{"text":"That's the best way to make the nomination.","start":1169.415,"end":1171.1951,"sentiment":"positive","sentiment_score":0.6870171278715134},{"text":"Having a will in place is really important as well and just making sure that will is updated to reflect your wishes.","start":1171.3351,"end":1176.48,"sentiment":"positive","sentiment_score":0.48581465807828034},{"text":"We can we, as advisers, don't do wills.","start":1176.94,"end":1179.74,"sentiment":"neutral","sentiment_score":-0.0697091855108738},{"text":"We're not solicitors.","start":1179.74,"end":1180.64,"sentiment":"neutral","sentiment_score":-0.06800646831591924},{"text":"However, we can always refer you through to a solicitor, and we can always send out an email with some information on a local solicitor who also does things by email and phone.","start":1180.86,"end":1189.76,"sentiment":"neutral","sentiment_score":0.2672775586446126}],"sentiment":"neutral","sentiment_score":0.32760170333691546,"num_words":74,"start":1169.415,"end":1189.76},{"sentences":[{"text":"And they're actually pretty well priced.","start":1189.975,"end":1191.495,"sentiment":"positive","sentiment_score":0.545218407176435},{"text":"We can send out a bit of a costing on what it costs to do up a will, but making sure everything you've worked hard for, your home and your contents and your cars and your savings accounts is all kind of distributed as per your wishes.","start":1191.495,"end":1202.875,"sentiment":"neutral","sentiment_score":0.27573027723330135},{"text":"Having worked in this industry for a while, I've seen, unfortunately, estate's so bad where, you know, someone's got no will in place.","start":1203.6549,"end":1211.4701,"sentiment":"neutral","sentiment_score":-0.31409766848968423},{"text":"Everything gets paid into your estate.","start":1211.4701,"end":1212.91,"sentiment":"negative","sentiment_score":-0.43268794814745587},{"text":"It goes through probate, and it doesn't automatically go to your spouse or your brother or your mom.","start":1212.91,"end":1216.99,"sentiment":"negative","sentiment_score":-0.39795870582262677}],"sentiment":"neutral","sentiment_score":-0.007529972959309817,"num_words":100,"start":1189.975,"end":1216.99},{"sentences":[{"text":"It's other people can come out and make a claim on the estate.","start":1216.99,"end":1220.13,"sentiment":"negative","sentiment_score":-0.4730755595060495},{"text":"And it all comes down to a judge and what he thinks and where things should go.","start":1220.625,"end":1224.305,"sentiment":"neutral","sentiment_score":-0.27581508720622344},{"text":"He utilizes legislation as a guide, but I've seen family members or, you know, relatives who the persons have spoken to for years and years who actually get a piece of the pie.","start":1224.305,"end":1235.105,"sentiment":"neutral","sentiment_score":-0.09216348081827164},{"text":"So having a ballot will in place is really important to protect everything that you've worked so hard for.","start":1235.105,"end":1241.2,"sentiment":"neutral","sentiment_score":0.27894949050326096},{"text":"Okay?","start":1241.26,"end":1241.76,"sentiment":"neutral","sentiment_score":0.14319118857383728}],"sentiment":"neutral","sentiment_score":-0.10165062789098327,"num_words":83,"start":1216.99,"end":1241.76},{"sentences":[{"text":"And the other thing that we do make a recommendation on is the power of attorney as well.","start":1243.4199,"end":1247.0199,"sentiment":"neutral","sentiment_score":0.1429048664867878},{"text":"So making sure that you've got a power of attorney.","start":1247.0199,"end":1249.0199,"sentiment":"neutral","sentiment_score":0.1540444500744343},{"text":"You can have three different types, a general power of attorney, which appoint someone to make financial and legal decisions for you for a specified period of time, works really well if you're going overseas.","start":1249.0199,"end":1258.235,"sentiment":"neutral","sentiment_score":0.14147667086550167},{"text":"Enduring power of attorney is one where you appoint someone to make legal and or financial decisions for you if you lose capacity, or a medical power of attorney, which is only for medical decisions.","start":1259.735,"end":1269.7,"sentiment":"neutral","sentiment_score":0.00889369079044887},{"text":"So seeing a solicitor and having a power of attorney set up, generally enduring power of attorney.","start":1269.7,"end":1274.2,"sentiment":"neutral","sentiment_score":0.07299279947491254}],"sentiment":"neutral","sentiment_score":0.09231802040468091,"num_words":115,"start":1243.4199,"end":1274.2},{"sentences":[{"text":"That way, if something was to happen to yourself and you weren't able to make medical or financial decisions, that someone understands what your decisions are, that they know what your wishes are, and they can follow your direction and ask in your best interest for you.","start":1274.5,"end":1287.715,"sentiment":"neutral","sentiment_score":0.167930968105793},{"text":"So that's another thing that we do always make a recommendation around.","start":1287.715,"end":1290.9349,"sentiment":"neutral","sentiment_score":0.2686647189160188},{"text":"And the same with the will, the solicitors can do a power of attorney and a will all in one.","start":1291.395,"end":1296.68,"sentiment":"neutral","sentiment_score":0.19923153445124625},{"text":"It does cost a little bit more, but in my book, it's always been an investment in yourself and making sure you're protecting everything that you've just worked so hard for.","start":1296.68,"end":1305.26,"sentiment":"neutral","sentiment_score":0.2969962107318063},{"text":"Yeah.","start":1307.4,"end":1307.9,"sentiment":"neutral","sentiment_score":0.27364084124565125}],"sentiment":"neutral","sentiment_score":0.22145843415244207,"num_words":111,"start":1274.5,"end":1307.9},{"sentences":[{"text":"All good.","start":1308.12,"end":1308.86,"sentiment":"positive","sentiment_score":0.5218675434589386},{"text":"Yeah.","start":1309.88,"end":1310.2,"sentiment":"neutral","sentiment_score":0.11748690903186798},{"text":"Sorry.","start":1310.2,"end":1310.7,"sentiment":"neutral","sentiment_score":-0.005651789717376232},{"text":"Mhmm.","start":1314.4551,"end":1314.9551,"sentiment":"neutral","sentiment_score":0.02246766909956932},{"text":"Yeah.","start":1316.6951,"end":1317.1951,"sentiment":"neutral","sentiment_score":0.09924096614122392}],"sentiment":"neutral","sentiment_score":0.2128798069121937,"num_words":6,"start":1308.12,"end":1317.1951},{"sentences":[{"text":"Perfect.","start":1318.775,"end":1319.275,"sentiment":"positive","sentiment_score":0.5304971933364868},{"text":"Not a problem at all.","start":1319.3351,"end":1320.055,"sentiment":"positive","sentiment_score":0.4598839819431305},{"text":"I'll get that email out to you very shortly.","start":1320.055,"end":1321.735,"sentiment":"positive","sentiment_score":0.39740227659543353},{"text":"As soon as I get off the phone call, I'll do it up and send it over to you.","start":1321.735,"end":1324.535,"sentiment":"neutral","sentiment_score":0.2854271633060355},{"text":"It's not a problem at all.","start":1324.535,"end":1325.91,"sentiment":"positive","sentiment_score":0.5035066654284795}],"sentiment":"positive","sentiment_score":0.3712673421949148,"num_words":40,"start":1318.775,"end":1325.91},{"sentences":[{"text":"Excellent.","start":1326.55,"end":1327.05,"sentiment":"positive","sentiment_score":0.755090594291687},{"text":"Excellent.","start":1327.91,"end":1328.41,"sentiment":"positive","sentiment_score":0.7141261100769043},{"text":"The advice has been provided completely complimentary because you're an ongoing service client.","start":1329.03,"end":1333.11,"sentiment":"positive","sentiment_score":0.4945348592904898},{"text":"You do pay the ongoing service fee for our services.","start":1333.11,"end":1335.91,"sentiment":"neutral","sentiment_score":0.22406335473060607},{"text":"It is 1.65% per annum.","start":1335.91,"end":1338.3301,"sentiment":"neutral","sentiment_score":0.20891062617301942}],"sentiment":"positive","sentiment_score":0.37277855177720387,"num_words":30,"start":1326.55,"end":1338.3301},{"sentences":[{"text":"It is calculated and deducted from super in a smaller monthly increment, and that's by providing the advice, updating everything for you, and making sure that we keep you on track.","start":1338.4249,"end":1347.485,"sentiment":"positive","sentiment_score":0.3787030793966786},{"text":"As I said before, there's no limit to the advice I can provide.","start":1347.7849,"end":1350.745,"sentiment":"neutral","sentiment_score":0.273100617986459},{"text":"You know, if you ring me next week and go, hey.","start":1350.745,"end":1353.0901,"sentiment":"neutral","sentiment_score":0.2118695987896486},{"text":"Good news.","start":1353.0901,"end":1353.65,"sentiment":"positive","sentiment_score":0.50297611951828},{"text":"I've got a job.","start":1353.65,"end":1354.29,"sentiment":"neutral","sentiment_score":0.330422043800354}],"sentiment":"neutral","sentiment_score":0.3270214671482805,"num_words":61,"start":1338.4249,"end":1354.29},{"sentences":[{"text":"I'm starting this date.","start":1354.29,"end":1355.75,"sentiment":"neutral","sentiment_score":0.26140690222382545},{"text":"We can talk about the insurances, and I can update the advice for you.","start":1356.05,"end":1359.17,"sentiment":"neutral","sentiment_score":0.2633900631751333},{"text":"I do not mind in any way, shape, or form.","start":1359.17,"end":1361.01,"sentiment":"neutral","sentiment_score":0.2541177958250046},{"text":"My job is to keep you on track and work towards your goals and work in your best interest.","start":1361.01,"end":1365.17,"sentiment":"positive","sentiment_score":0.5095230215474179},{"text":"So if I'm giving you an advice document every month, it's only gonna benefit you at the end of the day.","start":1365.17,"end":1370.255,"sentiment":"positive","sentiment_score":0.3686793787138803}],"sentiment":"positive","sentiment_score":0.36319810020573,"num_words":68,"start":1354.29,"end":1370.255},{"sentences":[{"text":"So I just like to make sure that you're aware that those services are available to you.","start":1370.255,"end":1374.575,"sentiment":"neutral","sentiment_score":0.2517158494276159},{"text":"We also have mortgage brokers that work with us at no cost to yourself and any other advice that you need as well.","start":1374.575,"end":1380.7,"sentiment":"neutral","sentiment_score":0.25697126855020935},{"text":"So whether it be cash flow budgeting, if you need help dealing with central income, very good at that, unfortunately.","start":1380.7,"end":1385.84,"sentiment":"neutral","sentiment_score":0.09317894633859396},{"text":"If you if you wanted investment advice in other areas and what we can do, we're here to sort of support you in that.","start":1387.26,"end":1394.32,"sentiment":"neutral","sentiment_score":0.14682348138497522},{"text":"And attached to the DocuSign, I've also got our financial services guide, which does list all the areas of advice that we can provide on and does have a whole bunch of information around myself and my licensing as I'm a licensed adviser through ASIC.","start":1394.4349,"end":1406.615,"sentiment":"neutral","sentiment_score":0.09670394576258129}],"sentiment":"neutral","sentiment_score":0.15448471826551727,"num_words":129,"start":1370.255,"end":1406.615},{"sentences":[{"text":"Okay?","start":1406.835,"end":1407.335,"sentiment":"neutral","sentiment_score":0.08799706399440765},{"text":"Oh, good.","start":1410.45,"end":1411.19,"sentiment":"positive","sentiment_score":0.38521432876586914},{"text":"Yes.","start":1416.85,"end":1417.35,"sentiment":"neutral","sentiment_score":0.0769885778427124},{"text":"Yep.","start":1435.2,"end":1435.7,"sentiment":"neutral","sentiment_score":0.0872177928686142},{"text":"Yep.","start":1444.175,"end":1444.675,"sentiment":"neutral","sentiment_score":0.08571462333202362}],"sentiment":"neutral","sentiment_score":0.18472445259491602,"num_words":6,"start":1406.835,"end":1444.675},{"sentences":[{"text":"Yep.","start":1446.975,"end":1447.475,"sentiment":"neutral","sentiment_score":0.04687817022204399},{"text":"Okay.","start":1450.735,"end":1451.235,"sentiment":"neutral","sentiment_score":0.057017732411623},{"text":"Yeah.","start":1455.215,"end":1455.615,"sentiment":"neutral","sentiment_score":0.22433921694755551},{"text":"Absolutely.","start":1455.615,"end":1456.115,"sentiment":"positive","sentiment_score":0.3981099724769592},{"text":"Is that something you're definitely going ahead with and that you're yep.","start":1456.575,"end":1466.64,"sentiment":"positive","sentiment_score":0.35032158220807713}],"sentiment":"neutral","sentiment_score":0.3081377549096942,"num_words":16,"start":1446.975,"end":1466.64},{"sentences":[{"text":"Yep.","start":1468.22,"end":1468.72,"sentiment":"neutral","sentiment_score":0.12958450615406036},{"text":"Yeah.","start":1470.62,"end":1471.02,"sentiment":"neutral","sentiment_score":0.17837020754814148},{"text":"Absolutely.","start":1471.02,"end":1471.52,"sentiment":"neutral","sentiment_score":0.27256911993026733},{"text":"Not a problem at all.","start":1471.98,"end":1472.86,"sentiment":"neutral","sentiment_score":0.3299759328365326},{"text":"Well, when you give me the go ahead for that one, we'll talk about what your goals are, reassess the risk risk side of things, and look at what you wanna do with that 450, and I'll absolutely do up a new advice document for you.","start":1472.86,"end":1483.945,"sentiment":"neutral","sentiment_score":0.20883582840147225}],"sentiment":"neutral","sentiment_score":0.21920095563486772,"num_words":54,"start":1468.22,"end":1483.945},{"sentences":[{"text":"But we'll factor in whether we invested or how we invested or what we do with that money for you.","start":1484.085,"end":1488.8049,"sentiment":"neutral","sentiment_score":0.11564035471528769},{"text":"Okay?","start":1488.8049,"end":1489.3049,"sentiment":"neutral","sentiment_score":0.07289575785398483},{"text":"Beautiful.","start":1491.12,"end":1491.62,"sentiment":"positive","sentiment_score":0.6214814186096191},{"text":"Fantastic.","start":1491.6799,"end":1492.1799,"sentiment":"positive","sentiment_score":0.6519206762313843},{"text":"Yeah.","start":1492.72,"end":1493.12,"sentiment":"neutral","sentiment_score":0.3183635473251343}],"sentiment":"neutral","sentiment_score":0.16572785393024483,"num_words":24,"start":1484.085,"end":1493.12},{"sentences":[{"text":"Just, yeah, shoot me an email or let me know when that happens, and I'll make time straight away to give you a call and have a chat to you about it.","start":1493.12,"end":1499.6799,"sentiment":"neutral","sentiment_score":0.22660831455141306},{"text":"It's not an issue at all.","start":1499.6799,"end":1501.0599,"sentiment":"neutral","sentiment_score":0.11906766146421432},{"text":"Perfect.","start":1502.575,"end":1503.075,"sentiment":"positive","sentiment_score":0.598307192325592},{"text":"All good.","start":1503.215,"end":1503.955,"sentiment":"positive","sentiment_score":0.538008451461792},{"text":"The only other thing I do need to let you know is if you decide to take on the recommendation with Clearview there, we do receive remuneration from the insurance companies for them writing a contract for you.","start":1504.095,"end":1514.255,"sentiment":"neutral","sentiment_score":0.05739841727833999}],"sentiment":"neutral","sentiment_score":0.14963716438299493,"num_words":79,"start":1493.12,"end":1514.255},{"sentences":[{"text":"It's not paid by you.","start":1514.255,"end":1515.135,"sentiment":"neutral","sentiment_score":-0.034876907244324684},{"text":"It's paid by the insurer.","start":1515.135,"end":1516.4349,"sentiment":"neutral","sentiment_score":0.030378158390522002},{"text":"It is standard across the board, but I like to disclose it, and it is noted in the document down there on page 44 for you.","start":1516.89,"end":1523.29,"sentiment":"neutral","sentiment_score":0.1019167869996566},{"text":"So we do receive 66% of the first year's premiums and 22% they're ongoing, But it is really important that it has no effect on my recommendations.","start":1523.29,"end":1532.2051,"sentiment":"neutral","sentiment_score":0.06462690013426321},{"text":"My recommendations are made in line with your goals and under our best interest duty, which is part of the corporations at.","start":1532.505,"end":1538.125,"sentiment":"neutral","sentiment_score":0.10622960650785403}],"sentiment":"neutral","sentiment_score":0.07893318075905828,"num_words":85,"start":1514.255,"end":1538.125},{"sentences":[{"text":"So I don't ever, you know, want you to take the recommendation just for that.","start":1538.745,"end":1542.87,"sentiment":"neutral","sentiment_score":-0.2944765994946162},{"text":"If you can't afford it right now or you do not feel it's the right time to take the insurance recommendation, you're welcome to put it off and we can revisit that down the track.","start":1543.19,"end":1551.85,"sentiment":"neutral","sentiment_score":-0.3094642260244915},{"text":"I do not mind in any way, shape, or form my work for you.","start":1552.15,"end":1555.11,"sentiment":"neutral","sentiment_score":-0.00967231233205114},{"text":"Okay?","start":1555.11,"end":1555.61,"sentiment":"neutral","sentiment_score":0.07939814031124115},{"text":"All good.","start":1558.0951,"end":1558.8351,"sentiment":"positive","sentiment_score":0.48986130952835083}],"sentiment":"neutral","sentiment_score":-0.21380132114264502,"num_words":67,"start":1538.745,"end":1558.8351},{"sentences":[{"text":"Do you have any questions in relation to any of those recommendations or any part of the advice so far?","start":1558.9751,"end":1564.655,"sentiment":"neutral","sentiment_score":0.1117973381653428},{"text":"Or yep.","start":1564.655,"end":1569.6499,"sentiment":"neutral","sentiment_score":0.08811390772461891},{"text":"Absolutely.","start":1573.47,"end":1573.97,"sentiment":"neutral","sentiment_score":0.23394232988357544},{"text":"Absolutely.","start":1574.59,"end":1575.09,"sentiment":"neutral","sentiment_score":0.15367622673511505},{"text":"Yeah.","start":1577.1499,"end":1577.5499,"sentiment":"neutral","sentiment_score":0.12171440571546556}],"sentiment":"neutral","sentiment_score":0.11686030164361,"num_words":25,"start":1558.9751,"end":1577.5499},{"sentences":[{"text":"That's fine.","start":1577.5499,"end":1578.45,"sentiment":"neutral","sentiment_score":0.19291944056749344},{"text":"If there's anything comes up, let me know.","start":1578.59,"end":1580.2699,"sentiment":"neutral","sentiment_score":0.13460945058614016},{"text":"I'm more than happy to go back and rejig anything.","start":1580.2699,"end":1582.35,"sentiment":"positive","sentiment_score":0.38082552552223203},{"text":"If you find there's something you want altered or changed or, yeah, if you just have any general questions whatsoever, let me know.","start":1582.35,"end":1588.665,"sentiment":"neutral","sentiment_score":0.1571510894143063},{"text":"I always say there's nothing as a silly question.","start":1588.665,"end":1590.505,"sentiment":"neutral","sentiment_score":0.10586477153831059}],"sentiment":"neutral","sentiment_score":0.18919668733500516,"num_words":52,"start":1577.5499,"end":1590.505},{"sentences":[{"text":"If it's something you wanna ask, you let me know, and I'll happily answer it.","start":1590.505,"end":1593.545,"sentiment":"neutral","sentiment_score":0.22317569255828856},{"text":"Okay?","start":1593.545,"end":1594.045,"sentiment":"neutral","sentiment_score":0.1564067900180817},{"text":"Beautiful.","start":1596.34,"end":1596.84,"sentiment":"positive","sentiment_score":0.4336852431297302},{"text":"Well, I'll let you go back to read that, and it can be a little bit hard when I'm still talking at you.","start":1596.8999,"end":1601.32,"sentiment":"neutral","sentiment_score":0.09088697101232475},{"text":"So feel free to take some time to read it over and let me know if there's anything you like.","start":1601.5399,"end":1605.32,"sentiment":"neutral","sentiment_score":0.2473973587155342}],"sentiment":"neutral","sentiment_score":0.18293458215193822,"num_words":60,"start":1590.505,"end":1605.32},{"sentences":[{"text":"And if you do decide to take those recommendations, just get you to sign and send it back to me.","start":1605.5399,"end":1609.785,"sentiment":"neutral","sentiment_score":0.1782700836658478},{"text":"And just leave a note on the last page if you decide not to take the insurance recommendations for the time being.","start":1609.785,"end":1615.3251,"sentiment":"neutral","sentiment_score":-0.10959532044150612},{"text":"Okay?","start":1615.385,"end":1615.885,"sentiment":"neutral","sentiment_score":0.02804847806692123},{"text":"Easy.","start":1618.505,"end":1619.005,"sentiment":"neutral","sentiment_score":0.3026636242866516},{"text":"Not a problem at all.","start":1619.0651,"end":1620.505,"sentiment":"positive","sentiment_score":0.41036553382873536}],"sentiment":"neutral","sentiment_score":0.07218049785920552,"num_words":49,"start":1605.5399,"end":1620.505},{"sentences":[{"text":"Is there anything else can help you with at the moment or anything else that you wanted me to look at or research for you while you've got me here at all?","start":1620.505,"end":1628.36,"sentiment":"neutral","sentiment_score":0.2069577754009515},{"text":"Yep.","start":1634.595,"end":1635.095,"sentiment":"neutral","sentiment_score":0.07619749754667282},{"text":"Yeah.","start":1640.675,"end":1641.075,"sentiment":"neutral","sentiment_score":0.24655060470104215},{"text":"Perfect.","start":1641.075,"end":1641.575,"sentiment":"positive","sentiment_score":0.6268076300621033},{"text":"Not a problem at all.","start":1641.795,"end":1642.915,"sentiment":"positive","sentiment_score":0.5247888088226318}],"sentiment":"neutral","sentiment_score":0.25490371473133566,"num_words":40,"start":1620.505,"end":1642.915},{"sentences":[{"text":"Well, I'll let you go to have a really good afternoon.","start":1642.915,"end":1645.155,"sentiment":"positive","sentiment_score":0.6838848157362505},{"text":"I thank you so much for your time today, and I'll catch up with you soon.","start":1645.155,"end":1649.335,"sentiment":"positive","sentiment_score":0.7739756666123867},{"text":"Thank you so much for your time, Nick.","start":1651.82,"end":1653.2999,"sentiment":"positive","sentiment_score":0.8486079052090645},{"text":"I hope you have a great afternoon.","start":1653.2999,"end":1654.88,"sentiment":"positive","sentiment_score":0.8214033416339329},{"text":"Thanks.","start":1657.0199,"end":1657.4199,"sentiment":"positive","sentiment_score":0.6609746217727661}],"sentiment":"positive","sentiment_score":0.7699070905530175,"num_words":43,"start":1642.915,"end":1657.4199},{"sentences":[{"text":"See you later.","start":1657.4199,"end":1658.14,"sentiment":"positive","sentiment_score":0.5320562422275543},{"text":"Bye.","start":1658.14,"end":1658.64,"sentiment":"neutral","sentiment_score":0.29344040155410767}],"sentiment":"positive","sentiment_score":0.47240228205919266,"num_words":4,"start":1657.4199,"end":1658.64}]}}]},{"alternatives":[{"transcript":"Nick speaking. Yeah. Doing well. Yourself? Yeah. Yeah. Now it's good. Yeah. That's fine. Yep. Nicholas Peter Haines, 01/11/1985, and 25 Tree Side Court, Caboolture. Yeah. It's still looking. Nothing too exciting yet, but hopefully soon. Yep. Cool. Yeah. Yeah. I will be able to. One sec. The girlfriend's just getting back in the car, so I'll just tell her. Just doing the review of my super stuff, so I'll just check the phone speaker. Alrighty. So, yeah, I'll be able to ax oh, there it is. There we go. Different agent. Yeah. That's fine. Just a minute. Yeah. I put it out the mail. Mhmm. Yep. Sounds good. Alright. Yeah. Cool. Yep. Sure. Yep. Yep. Yeah. Yeah. Yep. Yeah. Beautiful. Yeah. Yeah. Cool. Yeah. Yep. Page 24. Thank you. Yep. Got it there. Uh-huh. Yeah. Yeah. Yep. Yeah. Cool. Yep. Mhmm. Yeah. Yeah. Yeah. Awesome. Yep. No. That's pretty good. Alright. You're alright. Yeah. So the first Yep. Okay. Yeah. Okay. Yep. Yep. Yep. Yeah. Well okay. And $34.77 a month really isn't that bad, is it? Okay. Yeah. Have a think on that one. Yep. Yeah. Yeah. Cool. Okay. Yeah. Yeah. Gotcha. Yeah. Okay. Yeah. No. That's pretty good. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. If if you could email the details through the solicitor so I can have a look at that, that would definitely be handy. Beautiful. Yeah. Yep. That sounds good. One thing that may be handy moving forward so I'm actually looking at selling my house to my brother's estate. So he's disabled from a car crash when he was two. So his estate's managed by perpetual trustees down in New South Wales. But, yeah, just to basically ease my process of of trying to repay the mortgage, selling the property to him, but I'll be left with about 450,000. So just what might be the best way to invest that moving forward? We're we're just waiting on the final word from the trustees down there if they're happy to do it. Yeah. Yeah. Beautiful. Yeah. Code. Yes. Yeah. Yeah. Beautiful. No. That's all looking pretty good. I'll definitely just have to have a read through it all a bit better, I think. But yeah. At the at the moment, no questions at least. Yep. Yep. Yeah. Too easy. No. At the moment, I think that's probably okay. And, yeah, once we sort out what's happening with the house, I'll I'll be sure to let you know. Awesome. Sounds good. Thanks. You too. 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Yeah. Doing well. Yourself? Yeah.\n\nYeah. Now it's good. Yeah. That's fine. Yep.\n\nNicholas Peter Haines, 01/11/1985, and 25 Tree Side Court, Caboolture. Yeah. It's still looking. Nothing too exciting yet, but hopefully soon. Yep.\n\nCool. Yeah. Yeah. I will be able to. One sec.\n\nThe girlfriend's just getting back in the car, so I'll just tell her. Just doing the review of my super stuff, so I'll just check the phone speaker. Alrighty. So, yeah, I'll be able to ax oh, there it is. There we go.\n\nDifferent agent. Yeah. That's fine. Just a minute. Yeah.\n\nI put it out the mail. Mhmm. Yep. Sounds good. Alright.\n\nYeah. Cool. Yep. Sure. Yep.\n\nYep. Yeah. Yeah. Yep. Yeah.\n\nBeautiful. Yeah. Yeah. Cool. Yeah.\n\nYep. Page 24. Thank you. Yep. Got it there.\n\nUh-huh. Yeah. Yeah. Yep. Yeah.\n\nCool. Yep. Mhmm. Yeah. Yeah.\n\nYeah. Awesome. Yep. No. That's pretty good.\n\nAlright. You're alright. Yeah. So the first Yep. Okay.\n\nYeah. Okay. Yep. Yep. Yep.\n\nYeah. Well okay. 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if you could email the details through the solicitor so I can have a look at that, that would definitely be handy.","start":1310.105,"end":1317.9,"sentiment":"neutral","sentiment_score":0.05079030014736497},{"text":"Beautiful.","start":1326.4401,"end":1326.9401,"sentiment":"positive","sentiment_score":0.7479432821273804},{"text":"Yeah.","start":1371.48,"end":1371.98,"sentiment":"neutral","sentiment_score":0.3022681474685669}],"sentiment":"neutral","sentiment_score":0.09741444992660372,"num_words":27,"start":1306.425,"end":1371.98},{"sentences":[{"text":"Yep.","start":1408.3,"end":1408.7001,"sentiment":"neutral","sentiment_score":0.2038215845823288},{"text":"That sounds good.","start":1408.7001,"end":1409.8401,"sentiment":"positive","sentiment_score":0.534265140692393},{"text":"One thing that may be handy moving forward so I'm actually looking at selling my house to my brother's 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It's Dana from Ogi Financial. How are you today?\n\nChannel 1: Yeah. Doing well. Yourself?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had you booked in just to update your statement of advice for now. Is now still a good time there for you?\n\nChannel 1: Yeah. Yeah. Now it's\n\nChannel 0: Yep. Oh, fantastic. Before we jump into the call, Nick, I just have to let you know we do record our calls for quality and training purposes. Are you happy\n\nChannel 1: good.\n\nChannel 0: for me to proceed with that?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Lovely. And just to do security there with you as well, I just got you confirm your full name, your date of birth, and address I should have on file for you.\n\nChannel 1: Yep. Nicholas Peter Haines, 01/11/1985, and 25 Tree Side Court, Caboolture.\n\nChannel 0: Beautiful. Thank you so much for that. How's everything been? I know we spoke about two weeks ago there, but how's everything been since we spoke? How's the job hunting going?\n\nChannel 1: Yeah. It's still looking.\n\nChannel 0: Yeah.\n\nChannel 1: Nothing too exciting yet, but\n\nChannel 0: Yeah.\n\nChannel 1: hopefully\n\nChannel 0: Yeah. Oh, well, we'll keep our fingers crossed for you, and we'll definitely make sure we catch up. I've updated\n\nChannel 1: soon.\n\nChannel 0: the advice just to reflect your current circumstances. And, look, when you get a new job, let me know, and we'll definitely come back and reassess the advice again. There's no limit to\n\nChannel 1: Yep.\n\nChannel 0: how many advice documents I can do in a year. It's whenever your life changes, whenever your goals change, I will\n\nChannel 1: Cool.\n\nChannel 0: go through and update those advice documents for you. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Now I'm just I'm just gonna send this one through to you via Otis, I'm gonna see your email. Are you able to jump into your emails there at all?\n\nChannel 1: Yeah. I will be able to. One\n\nChannel 0: Yep.\n\nChannel 1: sec. The girlfriend's just getting back in the car, so I'll just tell her.\n\nChannel 0: That that's okay.\n\nChannel 1: Just doing the review of my super stuff, so I'll just check the phone speaker. Alrighty. So, yeah, I'll be able to ax oh, there it is.\n\nChannel 0: There we go. Beautiful.\n\nChannel 1: There we\n\nChannel 0: Now\n\nChannel 1: go.\n\nChannel 0: you\n\nChannel 1: Different\n\nChannel 0: may you\n\nChannel 1: agent.\n\nChannel 0: may have mentioned that you're on speaker. You're happy for me to continue with everything?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep.\n\nChannel 1: Just\n\nChannel 0: Beautiful.\n\nChannel 1: a minute.\n\nChannel 0: Excellent. Okay. Now when that comes through, there is a button that says sign. I don't ever want you to sign anything you haven't read, but you just click the button so it allows you to go through to the next page.\n\nChannel 1: Yeah. I\n\nChannel 0: Alternatively,\n\nChannel 1: put it out the\n\nChannel 0: there are\n\nChannel 1: mail.\n\nChannel 0: some links from the bottom. Oh, beautiful. Beautiful. So the first page there, Nick, it has down that the advice document has been prepared for yourself as of the 04/21/2026 of today's date. Now all of our advice documents are valid for sixty days.\n\nHowever, if you do just sign outside of that sixty days, we just need to go through and make sure there's no changes to your circumstances.\n\nChannel 1: Mhmm.\n\nChannel 0: The document has been prepared by myself, Dana Taylor, and my authorized representative number registered with ASIC\n\nChannel 1: Yep.\n\nChannel 0: is 1304394. Okay. Fantastic. Now to make this a bit easier, I will let you go back and have a really good read of the document later. Feel free to have a look at all the information there for you and all your advantages, disadvantages, and risks involved because there are quite a few pages.\n\nWhat I'll do is I'll direct you to the main sections to run you through the advice, and then I'll let you go back and have a read for a read of it as well. Okay?\n\nChannel 1: Sounds good.\n\nChannel 0: Beautiful. Now if you can scroll down to page number 19 for me there,\n\nChannel 1: Alright.\n\nChannel 0: it should have the heading investment. Yep. Beautiful. So with this advice document, the main part of it is around the superannuation side of things. So we are gonna have to retain QSuper for the moment.\n\nJust because of the change in your employment status means we wanna keep that that TPD and the income protection component attached. This has been unemployed at the moment. We're not able to apply for new disability cover, so we wanna keep that for the moment. And then when you are do get your new role, then we can look at maybe consolidating things over for you. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: But to help you in meeting your goals and working forward for the moment, we're gonna retain the q super and the hub twenty four account. I've reviewed both them. Q super is still perfectly great as an investment, and hub twenty four is still working really well for you. We are,\n\nChannel 1: Cool.\n\nChannel 0: however, gonna make some changes to the investment portfolio. So as we kinda spoke about last time, Benelong Australian Equities has been underperforming significantly. So we are removing that investment completely out of your portfolio, and then just\n\nChannel 1: Yep.\n\nChannel 0: doing a bit more of a rebalance of things for you as well. So some of the other investments have done really well, so we can actually offset some of the the losses made by Benelong to rebalance your portfolio and to minimize as much of the capital gains consequences as possible. Okay?\n\nChannel 1: Sure.\n\nChannel 0: So we're gonna look at with the battery and lithium tech, they're just rebalancing it back to about 7%. You're a bit overweighted there at the moment. With the bank hybrids, they are being phased out in the future. So we're gonna sell those off completely and move the funds into the core composite bonds so that one's just a little bit lower, the IAF investment. We'll\n\nChannel 1: Yep.\n\nChannel 0: be buying into that 20% for that. That's more of a a defensive investment. It looks at both government and corporate bonds. It also has debt and also looks at diversification across different countries with credit notes and things like that. So it is a really good defensive investment, good for cash producing.\n\nThey pay dividends on a regular basis as well.\n\nChannel 1: Yep.\n\nChannel 0: We're also going to look at rebalancing the physical gold. The physical gold has done extremely well over the last twelve months and has seen some really good gains. We wanna cement some of those gains so that we can have that spread across the other areas of your portfolio and just bring your rebalancing back a little bit by having too much physical gold as it is a growth investment. Like some of your other growth investments, if you stay overweighted, you end up taking on a little bit too much risk. And in the current\n\nChannel 1: Yeah.\n\nChannel 0: climate, we don't wanna be overexposing you to risk. Okay? Excellent. So we've also got the cybersecurity in there. So we're adding so you've got a 6.6% there.\n\nWe'll be it's just selling a little bit and sort of rebalancing it back a little bit there. The s and p five hundred has been doing quite well. I know it's been a bit up and down at the moment, but it has still seen a really good gain. So we are just gonna rebalance it back a little bit to 25% there. And then the so the Rafi a 200, we'll be rebalancing that back to about 15% as well.\n\nChannel 1: Yeah.\n\nChannel 0: We'll be buying in a bit more of the VanEck Australian properties, a bit underweighted at the moment, increasing that component. And instead of having the Benelon Australian equities, we're gonna buy into the BetaShares a 200. The BetaShares a 200 still gives you access to the top 200 companies in Australia, so it's still giving you access to Australian equities. It's\n\nChannel 1: Yep.\n\nChannel 0: just gonna be a little bit cheaper, and it's more of a passively managed investment, which is fantastic. And it's actually cheaper, so it saves you a bit in fees, which is important. Okay?\n\nChannel 1: Yeah. Beautiful.\n\nChannel 0: Excellent. Now when we had a look at your portfolio together because when we look at the way you waited between hub four and q super, we look at those together. We wanna make sure that between the two accounts, you're not overweighted. When I had a look at all that for you, it actually did show that with the two funds, you were a little bit overweighted there. So what we're gonna do is we're gonna sorta also just remove the balanced investment within your q super and keep the high growth investment.\n\nSo between the two funds, you're sitting at that right at the right amount of, you know, risk versus defensive and growth allocation in that growth kind of portfolio. Because when we kind\n\nChannel 1: Yeah.\n\nChannel 0: of looked at the way you were within q super and hub twenty four, it was a little bit overweighted there, and having the one investment can also make it a bit cheaper for you. So when we looked at the high growth within q super versus what we're moving you into and rebalancing to within hub twenty four, it all worked out quite even there for you. Okay?\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Perfect. So on the next page there, you'll see we do have to hold a certain amount of cash within hub twenty four. It's 1.25%. So, essentially, we'll just see reducing your cash balance there a little bit. Okay?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: If you scroll down to page number 22 for me, this is the fee comparison table. This sort of shows you the recommendation there. Okay.\n\nChannel 1: Page 24.\n\nChannel 0: 22. So sorry. It\n\nChannel 1: Thank\n\nChannel 0: says\n\nChannel 1: you.\n\nChannel 0: fee comparison at the top. Yeah.\n\nChannel 1: Yep. Got it there.\n\nChannel 0: You got that? Perfect. Now this this sort of shows the current versus the recommended of what we're moment, you've got your two funds with the two balances between it there, and you've also got your administration fees, investment fees, any other fees applicable to the funds, the adviser service fee for us looking after everything. I've taken out contributions to make this more of a realistic projection. So whilst you're\n\nChannel 1: Uh-huh.\n\nChannel 0: still actively looking for work, I didn't wanna kinda overproject and give you something was unachievable. So I've left\n\nChannel 1: Yeah.\n\nChannel 0: it with no contributions currently for you and then your insurance premiums in there, which will stay within q super. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: So the current portfolio has averaged about 12.57% when we look at the way we're rebalancing and by removing Van Along and the the bank hybrids there, you can see the newer portfolio has averaged a much higher three year rolling average. Okay?\n\nChannel 1: Yep.\n\nChannel 0: On the next page, even with no additional contributions going in, you can sort of see over the next five to ten years if the portfolio was able to get what had over the past three years, you can sort of see yourself in a much greater position moving forward, which is kind of why we've gone forward that recommendation for you. Okay.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Yeah. All good. It's been really important to note that when we sort of look at the fee structure, whenever we're making changes to your portfolio, there is a difference to account for. So we do estimate, and you'll see in the differences column on that fee table there, the $278, that's essentially the\n\nChannel 1: Yep.\n\nChannel 0: CGT consequences. So your super fund, just like yourself, does a tax return every year. And so we've done the research to show that with all the changes that we are making there, we do estimate the CGT consequences for your super fund is about $278. So your super fund will pay that in CGT. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: With the administration fee, we are also recommending there that we're rolling over some money out of QSuper. Obviously, keeping as much money in hub twenty four in the better performing portfolio is really important. But because you're not working at the moment, I am increasing the amount that we're gonna leave behind. So I do wanna\n\nChannel 1: Yeah.\n\nChannel 0: leave 15,000 in q super. That's make sure you've got a higher balance than the minimum required to keep your insurances in place. I'm also\n\nChannel 1: Yeah.\n\nChannel 0: gonna organize an opt in letter to send to them. That way we can make sure that, you know, if you're off work for an extended period of time, that the opt in form protects your insurances as a secondary measure for you. And then anything over that 15,000 can be rolled into Hub twenty four so it's invested nice and easily in that portfolio. Sorry. By moving money into Hub twenty four, we do know there is gonna be an increase in the administration fees.\n\nHowever, when you look at the investment fees, by making the changes to the portfolio, we're actually saving about $448 in investment fees. So it's a pretty big savings, an increase\n\nChannel 1: Yeah.\n\nChannel 0: in the admin fees by about $91. So yeah. All good. There's essentially no real changes to sorry. No real changes to the insurance in any way, shape, or form at the moment.\n\nHowever, that down the track can change. When you have that change in circumstances, let me know. We'll happily make time to have a bit of a chat and see what we can do and update the advice for you moving forward. Okay?\n\nChannel 1: Awesome. Yep.\n\nChannel 0: All good. Do you have any questions so far at all?\n\nChannel 1: No. That's pretty good. Alright.\n\nChannel 0: Perfect. Perfect. So sorry. The\n\nChannel 1: You're\n\nChannel 0: next\n\nChannel 1: alright.\n\nChannel 0: page, if it keeps going down, is the insurance section. So on page number 24. So we did talk about how we're not able to apply for disability covers for TBD or income protection at the moment, so we wanna do hold off on that. However, we can look to increase your life if you wanted to and also the trauma. So we did talk about applying for trauma cover.\n\nLife cover and trauma aren't necessarily underwritten by occupation, so they're a lot easier to apply for when you're not working. I wanted to include this in the advice document to show you the recommendation. However, it does come down to your budget and what you're comfortable with. And if you decide not to take forward this insurance recommendation, that's absolutely fine. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: So the first\n\nChannel 1: So\n\nChannel 0: table\n\nChannel 1: the first\n\nChannel 0: there does show that we're retaining your life, your TPD, and income protection within q super and the current premium that you're paying for that one. If you go down to the next page there, I am making a recommendation that we do apply for two years of income with Clearview to be held outside of super, and this is the trauma policy. I'm linking a bit of life to the trauma policy because it actually makes the policy cheaper. But we wanted to when we spoke last time, we talked about the insurances. We wanted to see what maybe two years worth of income based on the $70,000 income might look like for trauma, and this is essentially what it looks like.\n\nIt would be about $34.77 out of pocket. And trauma covers you for things like a heart attack, a stroke, certain neurological conditions. We can't pay for trauma inside, so it is an out of pocket cost. So it does come down to your expenditure at the moment whether you could afford to do that or not. I'm fine either way.\n\nWe can always revisit this down the track, but I didn't wanna just just take this out of the recommendations. I figured I could show you what it looks like and let you kinda decide what your budget will allow you to do. Okay?\n\nChannel 1: Yep.\n\nChannel 0: The reason I've attached a bit of life to this is that, a, it does make the policy cheaper. You get a multi policy discount, but it also means that you're getting a little bit of extra life in the event that something was to happen. So if you were to pass away, your life policy in q super pays out, which is currently a sum insured of 500,000. But it also means that your super benefit is paid out, and then you can also get this 140 on top of that. The other\n\nChannel 1: Okay.\n\nChannel 0: advantage to this is that with life policies held outside of super, your family and your beneficiaries can actually also claim a funeral benefit, which is an upfront out of upfront cost. Generally, it can be expected 15 to 25,000 depending on the insurer that you're with, And that\n\nChannel 1: Yeah.\n\nChannel 0: is paid within twenty four hours so your family can cover the cost of your funeral. This is something that's not available to life policies inside so far. So I\n\nChannel 1: Okay.\n\nChannel 0: did wanna kind of add this in here for you just to show you what it looks like and the monthly cost involved, and then\n\nChannel 1: Yep.\n\nChannel 0: you can let me know whether or not you're able to afford this. If you choose not to, it's absolutely okay. We are you'll get work in the next few months, and we'll reevaluate it, and we can always make the recommendation and update the recommendation then for you as well. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. Beautiful. ClearView is actually one of the better policies to go with. The main sort of reason I went with ClearView on this is that it whilst it didn't have the highest score for features and benefits, it actually did have the lowest cost, which was kind of really important for you. And when you look at the funeral benefit, they actually pay out the highest funeral benefit.\n\nThey generally allow you to draw down the funeral benefit at a an amount of 25,000, which is one of the highest ones out there, which is pretty\n\nChannel 1: Yeah.\n\nChannel 0: cool.\n\nChannel 1: Well\n\nChannel 0: It's pretty nice funeral.\n\nChannel 1: okay. And $34.77 a month really isn't that bad, is it?\n\nChannel 0: It's really not. It's really not. So when you kinda break that down even further, depending on sort of how you work your budget at, if you looked at it on a weekly basis sorry. So $34.77. It works with a bit of $8.69 on a weekly basis, which is pretty minimal to get a $140,000 benefit of life and trauma.\n\nYeah. But now it's all good. Let you\n\nChannel 1: Okay.\n\nChannel 0: I'll let you take that one back. Have a bit of a\n\nChannel 1: Yeah.\n\nChannel 0: think about it.\n\nChannel 1: Have a\n\nChannel 0: Look\n\nChannel 1: think\n\nChannel 0: at\n\nChannel 1: on\n\nChannel 0: what\n\nChannel 1: that\n\nChannel 0: you've\n\nChannel 1: one.\n\nChannel 0: got.\n\nChannel 1: Yep.\n\nChannel 0: Absolutely. As I sort of mentioned, I don't want this to be you have to take this. This is this recommendation. So I'll I'm showing you what we're recommending, how and why. You've got the advantages, disadvantages, and the risks involved in there.\n\nYou can go back, have a look at them, read them over. Let me know if you do have any additional questions there, and we can always, you know, come back and reassess it. On the last\n\nChannel 1: Yeah.\n\nChannel 0: page of the document, you've actually got a line, and there's a text box there. So you can write in that text box anything that you're not wanting to take on board. So you just, you know, if you're not wanting to take the insurances, you just make a note to say that you don't wish to take the insurance recommendations now, and that's absolutely fine. We can come back and review that down the track. Okay?\n\nChannel 1: Yeah. Cool. Okay.\n\nChannel 0: Yeah. All good. But, yeah, look, that's essentially the recommendation for life and trauma, giving you a bit of trauma and a bit of life cover there. And this sort of works with your budget. It's in best interest because when we talked about it, you were sorta in between roles.\n\nSo we looked at calculating two years income based on that 70,000 per annum, so it lands at a 140,000. And the good thing about life and trauma is they're not underwritten with regard to your occupation at all. So you can still apply for these when you're unemployed, and there's no sort of detriment to doing so. It's just about making sure the cost, because it does have to be\n\nChannel 1: Yeah.\n\nChannel 0: out of pocket, that you're able and comfortable with that out of pocket expense at the moment. Okay?\n\nChannel 1: Yeah. Gotcha.\n\nChannel 0: Yeah. All good. Essentially, that's most of the advice there. The only other part on page number 32 is the beneficiary side of things. So we did sort of talk about what you wanted to happen to your beneficiaries, just making sure that in the event that something was to happen, that your life cover and your super was distributed where you wanted it to go to.\n\nEssentially,\n\nChannel 1: Yeah.\n\nChannel 0: you mentioned that you wanted it to be paid to your brother in the event that something happened. So under this this act, your brother doesn't meet the condition to be a beneficiary. So what I've recommended is that you take the legal personal representative on both of your super funds and your life cover and the nuclear view policy if you decide to take that. And that means that in the event of passing, the benefit gets paid to your estate, and then you just need to make sure you have a valid will as updated that reflects your wishes moving forward. Okay.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Yeah. Do you have any questions so far at all?\n\nChannel 1: No. That's pretty good.\n\nChannel 0: No? All good. You'll see the nomination type there is binding, nonlapsing. Essentially,\n\nChannel 1: Yep.\n\nChannel 0: when we look at beneficiary nominations, they do have several different nomination types. They have nonbinding, which essentially means that you're making a decision on what you want to happen, but the trustee makes the final decision. Binding lapsing, which means that you've found the trustee to follow your direction, but you have to refill that document out every three years, or you can have a binding nonlapsing, which is what we're recommending for you, which binds the trustee to follow your direction. But nonlapsing means that you don't have to update that nomination again unless there's a change to what you want what you want on your nomination. So it just stays in place until you revoke it.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. All good. That's the best way to make the nomination. Having a will in place is really important as well and just making sure that will is updated to reflect your wishes. We can we, as advisers, don't do wills.\n\nWe're not solicitors. However, we can always refer you through to a solicitor, and we can always send out an email with some information on a local solicitor who also does things by email and phone. And they're actually pretty well priced. We can send out a bit of a costing on what it costs to do up a will, but making sure everything you've worked hard for, your home and your contents and your cars and your savings accounts is all kind of distributed as per your wishes. Having worked in this industry for a while, I've seen, unfortunately, estate's so bad where, you know, someone's got no will in place.\n\nEverything gets paid into your estate. It goes through probate, and it doesn't automatically go to your spouse or your brother or your mom. It's other people can come out and make a claim on the estate. And it all comes down to a judge and what he thinks and where things should go. He utilizes legislation as a guide, but I've seen family members or, you know, relatives who the persons have spoken to for years and years who actually get a piece of the pie.\n\nSo having\n\nChannel 1: Yeah.\n\nChannel 0: a ballot will in place is really important to protect everything that you've worked so hard for. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: And the other thing that we do make a recommendation on is the power of attorney as well. So making sure that you've got a power of attorney. You can have three different types, a general power of attorney, which appoint someone to make financial and legal decisions for you for a specified period of time, works really well if you're going overseas. Enduring power of attorney is one where you appoint someone to make legal and or financial decisions for you if you lose capacity, or a medical power of attorney, which is only for medical decisions. So seeing a solicitor and having a power of attorney set up, generally enduring power of attorney.\n\nThat way, if something was to happen to yourself and you weren't able to make medical or financial decisions, that someone understands what your decisions are, that they know what your wishes are, and they can follow your direction and ask in your best interest for you. So that's another thing that we do always make a recommendation around. And the same with the will, the solicitors can do a power of attorney and a will all in one. It does cost a little bit more, but in my book, it's always been an investment in yourself and making sure you're protecting everything that you've just worked so hard for.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. All good.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: If\n\nChannel 0: Sorry.\n\nChannel 1: if you could email the details through the solicitor\n\nChannel 0: Mhmm.\n\nChannel 1: so I can have a look at that, that would definitely\n\nChannel 0: Yeah.\n\nChannel 1: be handy.\n\nChannel 0: Perfect. Not a problem at all. I'll get that email out to you very shortly. As soon as I get off the phone call, I'll do it up and send it over to you. It's not a problem at all.\n\nChannel 1: Beautiful.\n\nChannel 0: Excellent. Excellent. The advice has been provided completely complimentary because you're an ongoing service client. You do pay the ongoing service fee for our services. It is 1.65% per annum.\n\nIt is calculated and deducted from super in a smaller monthly increment, and that's by providing the advice, updating everything for you, and making sure that we keep you on track. As I said before, there's no limit to the advice I can provide. You know, if you ring me next week and go, hey. Good news. I've got a job.\n\nI'm starting this date. We can talk about the insurances, and I can update the advice for you. I do not mind in any way, shape, or form. My job is to keep you on track and work towards your goals and work in your best interest. So if I'm giving you an advice document every month, it's only gonna benefit you at the end of the day.\n\nSo I just like\n\nChannel 1: Yeah.\n\nChannel 0: to make sure that you're aware that those services are available to you. We also have mortgage brokers that work with us at no cost to yourself and any other advice that you need as well. So whether it be cash flow budgeting, if you need help dealing with central income, very good at that, unfortunately. If you if you wanted investment advice in other areas and what we can do, we're here to sort of support you in that. And attached to the DocuSign, I've also got our financial services guide, which does list all the areas of advice that we can provide on and does have a whole bunch of information around myself and my licensing as I'm a licensed adviser through ASIC.\n\nOkay?\n\nChannel 1: Yep. That sounds good.\n\nChannel 0: Oh, good.\n\nChannel 1: One thing that may be handy moving forward so I'm\n\nChannel 0: Yes.\n\nChannel 1: actually looking at selling my house to my brother's estate. So he's disabled from a car crash when he was two. So his estate's managed by perpetual trustees down in New South Wales.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah, just to basically ease my process of of trying to repay the mortgage, selling\n\nChannel 0: Yep.\n\nChannel 1: the property to him, but I'll be\n\nChannel 0: Yep.\n\nChannel 1: left with about 450,000. So just\n\nChannel 0: Okay.\n\nChannel 1: what might be the best way to invest that moving forward?\n\nChannel 0: Yeah. Absolutely. Is that something you're definitely going ahead with and that you're\n\nChannel 1: We're we're just waiting on the final word from the trustees down there if\n\nChannel 0: yep.\n\nChannel 1: they're happy to do it.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Absolutely. Not a problem at all. Well, when you give me the go ahead for that one, we'll talk about what your goals are, reassess the risk risk side of things, and look at what you wanna do with that 450, and I'll absolutely do up a new advice document for you. But we'll factor in whether we invested or how we invested or what we do with that money for you.\n\nOkay?\n\nChannel 1: Yeah. Beautiful.\n\nChannel 0: Beautiful. Fantastic. Yeah. Just, yeah, shoot me an email or let me know when that happens, and I'll make time straight away to give you a call and have a chat to you about it. It's not an issue\n\nChannel 1: Yeah.\n\nChannel 0: at all.\n\nChannel 1: Code.\n\nChannel 0: Perfect. All good. The only other thing I do need to let you know is if you decide to take on the recommendation with Clearview there, we do receive remuneration from the insurance companies for them writing a contract for you. It's not paid by you. It's paid by the insurer.\n\nIt is\n\nChannel 1: Yes.\n\nChannel 0: standard across the board, but I like to disclose it, and it is noted in the document down there on page 44 for you. So we do receive 66% of the first year's premiums and 22% they're ongoing, But it is really important that it has no effect on my recommendations. My recommendations are made in line with your goals and under our best interest duty, which is part of the corporations at.\n\nChannel 1: Yeah.\n\nChannel 0: So I don't ever, you know, want you to take the recommendation just for that. If you can't afford it right now or you do not feel it's the right time to take the insurance recommendation, you're welcome to put it off and we can revisit that down the track. I do not mind in any way, shape, or form my work for you. Okay?\n\nChannel 1: Yeah. Beautiful.\n\nChannel 0: All good. Do you have any questions in relation to any of those recommendations or any part of the advice so far? Or\n\nChannel 1: No. That's all looking pretty good. I'll\n\nChannel 0: yep.\n\nChannel 1: definitely just have to have a read through it all a bit better, I think. But yeah.\n\nChannel 0: Absolutely. Absolutely.\n\nChannel 1: At the at the moment, no questions at least.\n\nChannel 0: Yeah. That's fine. If there's anything comes up, let me know. I'm more than happy to go back and rejig anything. If you find there's something you want altered or changed or, yeah, if you just have any general questions whatsoever, let me know.\n\nI always say there's nothing as a silly question. If it's something you wanna ask, you let me know, and I'll happily answer it. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Well, I'll let you go back to read that, and it can be a little bit hard when I'm still talking at you. So feel free to take some time to read it over and let me know if there's anything you like. And if\n\nChannel 1: Yep.\n\nChannel 0: you do decide to take those recommendations, just get you to sign and send it back to me. And just leave a note on the last page if you decide not to take the insurance recommendations for the time being. Okay?\n\nChannel 1: Yeah. Too easy.\n\nChannel 0: Easy. Not a problem at all. Is there anything else can help you with at the moment or anything else that you wanted me to look at or research for you while you've got me here at all?\n\nChannel 1: No. At the moment, I think that's probably okay. And, yeah,\n\nChannel 0: Yep.\n\nChannel 1: once we sort out what's happening with the house, I'll I'll be sure to let you know.\n\nChannel 0: Yeah. Perfect. Not a problem at all. Well, I'll let you go to have a really good afternoon. I thank you so much for your time today, and I'll catch up with you soon.\n\nChannel 1: Awesome. Sounds good.\n\nChannel 0: Thank you so much for your time, Nick. I hope you have a great afternoon.\n\nChannel 1: Thanks. You too.\n\nChannel 0: Thanks. See you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Nick speaking.","start":1.92,"end":2.82,"sentiment":"neutral","sentiment_score":0.02497292496263981}],"sentiment":"neutral","sentiment_score":0.02497292496263981,"channel":1,"num_words":2,"start":1.92,"end":2.82},{"sentences":[{"text":"Hi, Nick.","start":3.4399998,"end":4.0,"sentiment":"neutral","sentiment_score":0.17221997678279877},{"text":"It's Dana from Ogi Financial.","start":4.0,"end":5.54,"sentiment":"neutral","sentiment_score":0.19627546072006224},{"text":"How are you today?","start":5.68,"end":6.66,"sentiment":"neutral","sentiment_score":0.23095127940177917}],"sentiment":"neutral","sentiment_score":0.20451112497936597,"channel":0,"num_words":11,"start":3.4399998,"end":6.66},{"sentences":[{"text":"Yeah.","start":7.2,"end":7.68,"sentiment":"neutral","sentiment_score":0.283214807510376},{"text":"Doing well.","start":7.68,"end":8.24,"sentiment":"positive","sentiment_score":0.47751663625240326},{"text":"Yourself?","start":8.24,"end":8.74,"sentiment":"positive","sentiment_score":0.3716128468513489}],"sentiment":"positive","sentiment_score":0.40246523171663284,"channel":1,"num_words":4,"start":7.2,"end":8.74},{"sentences":[{"text":"I'm very well.","start":9.28,"end":10.16,"sentiment":"positive","sentiment_score":0.6333715319633484},{"text":"Thank you.","start":10.16,"end":10.559999,"sentiment":"positive","sentiment_score":0.7086963057518005},{"text":"Thanks for asking.","start":10.559999,"end":11.599999,"sentiment":"positive","sentiment_score":0.6636070609092712},{"text":"I had you booked in just to update your statement of advice for now.","start":11.599999,"end":14.825,"sentiment":"neutral","sentiment_score":0.23523878199713572},{"text":"Is now still a good time there for 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our calls for quality and training purposes.","start":20.904999,"end":25.805,"sentiment":"neutral","sentiment_score":0.17061952284226814},{"text":"Are you happy","start":26.025,"end":26.665,"sentiment":"neutral","sentiment_score":0.2514701733986537}],"sentiment":"neutral","sentiment_score":0.21003888274232546,"channel":0,"num_words":30,"start":18.904999,"end":26.665},{"sentences":[{"text":"good.","start":26.564999,"end":27.064999,"sentiment":"neutral","sentiment_score":0.25667804479599}],"sentiment":"neutral","sentiment_score":0.25667804479599,"channel":1,"num_words":1,"start":26.564999,"end":27.064999},{"sentences":[{"text":"for me to proceed with 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them.","start":243.84999,"end":244.97,"sentiment":"neutral","sentiment_score":0.20914435759186745},{"text":"Q super is still perfectly great as an investment, and hub twenty four is still working really well for you.","start":244.97,"end":250.34999,"sentiment":"positive","sentiment_score":0.7549144178628922},{"text":"We are,","start":250.81,"end":251.29,"sentiment":"neutral","sentiment_score":0.23834653198719025}],"sentiment":"positive","sentiment_score":0.4345868301506226,"channel":0,"num_words":52,"start":237.995,"end":251.29},{"sentences":[{"text":"Cool.","start":251.155,"end":251.655,"sentiment":"neutral","sentiment_score":0.18965649604797363}],"sentiment":"neutral","sentiment_score":0.18965649604797363,"channel":1,"num_words":1,"start":251.155,"end":251.655},{"sentences":[{"text":"however, gonna make some changes to the investment portfolio.","start":251.29,"end":254.43,"sentiment":"neutral","sentiment_score":-0.0491315983235836},{"text":"So as we kinda spoke about last time, Benelong Australian Equities has been underperforming significantly.","start":254.73,"end":260.415,"sentiment":"neutral","sentiment_score":-0.26125035583972933},{"text":"So we are removing that investment completely out of your portfolio, and then just","start":260.635,"end":264.795,"sentiment":"neutral","sentiment_score":-0.2678385509976319}],"sentiment":"neutral","sentiment_score":-0.2134389325388168,"channel":0,"num_words":38,"start":251.29,"end":264.795},{"sentences":[{"text":"Yep.","start":264.72,"end":265.22,"sentiment":"neutral","sentiment_score":0.04167758673429489}],"sentiment":"neutral","sentiment_score":0.04167758673429489,"channel":1,"num_words":1,"start":264.72,"end":265.22},{"sentences":[{"text":"doing a bit more of a rebalance of things for you as well.","start":264.795,"end":267.515,"sentiment":"neutral","sentiment_score":0.03590993841107075},{"text":"So some of the other investments have done really well, so we can actually offset some of the the losses made by Benelong to rebalance your portfolio and to minimize as much of the capital gains consequences as possible.","start":267.515,"end":280.41998,"sentiment":"neutral","sentiment_score":0.11567414045715943},{"text":"Okay?","start":280.63998,"end":281.13998,"sentiment":"neutral","sentiment_score":0.00847381167113781}],"sentiment":"neutral","sentiment_score":0.09408668846875992,"channel":0,"num_words":53,"start":264.795,"end":281.13998},{"sentences":[{"text":"Sure.","start":281.92,"end":282.42,"sentiment":"neutral","sentiment_score":0.03962154686450958}],"sentiment":"neutral","sentiment_score":0.03962154686450958,"channel":1,"num_words":1,"start":281.92,"end":282.42},{"sentences":[{"text":"So we're gonna look at with the battery and lithium tech, they're just rebalancing it back to about 7%.","start":282.835,"end":287.875,"sentiment":"neutral","sentiment_score":0.05682920272413053},{"text":"You're a bit overweighted there at the moment.","start":287.875,"end":289.895,"sentiment":"neutral","sentiment_score":-0.12470551673322916},{"text":"With the bank hybrids, they are being phased out in the future.","start":290.19498,"end":292.91498,"sentiment":"neutral","sentiment_score":-0.07600505246470372},{"text":"So we're gonna sell those off completely and move the funds into the core composite bonds so that one's just a little bit lower, the IAF investment.","start":292.91498,"end":301.32,"sentiment":"neutral","sentiment_score":-0.001971589677311756},{"text":"We'll","start":302.02002,"end":302.26,"sentiment":"neutral","sentiment_score":0.09103292226791382}],"sentiment":"neutral","sentiment_score":-0.011823132995571663,"channel":0,"num_words":67,"start":282.835,"end":302.26},{"sentences":[{"text":"Yep.","start":302.145,"end":302.645,"sentiment":"neutral","sentiment_score":0.08873790502548218}],"sentiment":"neutral","sentiment_score":0.08873790502548218,"channel":1,"num_words":1,"start":302.145,"end":302.645},{"sentences":[{"text":"be buying into that 20% for that.","start":302.26,"end":304.42,"sentiment":"neutral","sentiment_score":0.1114370801619121},{"text":"That's more of a a defensive investment.","start":304.42,"end":306.44,"sentiment":"neutral","sentiment_score":0.17919343071324484},{"text":"It looks at both government and corporate bonds.","start":306.5,"end":308.74002,"sentiment":"neutral","sentiment_score":0.1389791425317526},{"text":"It also has debt and also looks at diversification across different countries with credit notes and things like that.","start":308.74002,"end":315.725,"sentiment":"neutral","sentiment_score":0.15059898793697357},{"text":"So it is a really good defensive investment, good for cash producing.","start":315.725,"end":319.085,"sentiment":"positive","sentiment_score":0.48982401192188263}],"sentiment":"neutral","sentiment_score":0.22425501189141903,"channel":0,"num_words":53,"start":302.26,"end":319.085},{"sentences":[{"text":"They pay dividends on a regular basis as well.","start":319.085,"end":321.905,"sentiment":"neutral","sentiment_score":0.30637525849872166}],"sentiment":"neutral","sentiment_score":0.30637525849872166,"channel":0,"num_words":9,"start":319.085,"end":321.905},{"sentences":[{"text":"Yep.","start":322.76498,"end":323.26498,"sentiment":"neutral","sentiment_score":0.12085174024105072}],"sentiment":"neutral","sentiment_score":0.12085174024105072,"channel":1,"num_words":1,"start":322.76498,"end":323.26498},{"sentences":[{"text":"We're also going to look at rebalancing the physical gold.","start":323.02002,"end":325.90002,"sentiment":"neutral","sentiment_score":0.08968216516077518},{"text":"The physical gold has done extremely well over the last twelve months and has seen some really good gains.","start":325.90002,"end":330.46002,"sentiment":"positive","sentiment_score":0.6494171399819223},{"text":"We wanna cement some of those gains so that we can have that spread across the other areas of your portfolio and just bring your rebalancing back a little bit by having too much physical gold as it is a growth investment.","start":330.46002,"end":342.125,"sentiment":"positive","sentiment_score":0.3566234755728926},{"text":"Like some of your other growth investments, if you stay overweighted, you end up taking on a little bit too much risk.","start":342.125,"end":347.505,"sentiment":"neutral","sentiment_score":-0.18292390487410806},{"text":"And in the current","start":347.565,"end":348.445,"sentiment":"neutral","sentiment_score":-0.04343767883256078}],"sentiment":"neutral","sentiment_score":0.24758615116252727,"channel":0,"num_words":97,"start":323.02002,"end":348.445},{"sentences":[{"text":"Yeah.","start":348.16498,"end":348.66498,"sentiment":"neutral","sentiment_score":-0.03852353245019913}],"sentiment":"neutral","sentiment_score":-0.03852353245019913,"channel":1,"num_words":1,"start":348.16498,"end":348.66498},{"sentences":[{"text":"climate, we don't wanna be overexposing you to risk.","start":348.445,"end":351.24,"sentiment":"neutral","sentiment_score":-0.11512854902280702},{"text":"Okay?","start":351.47998,"end":351.97998,"sentiment":"neutral","sentiment_score":0.05479913949966431},{"text":"Excellent.","start":354.12,"end":354.62,"sentiment":"positive","sentiment_score":0.40749746561050415},{"text":"So we've also got the cybersecurity in there.","start":355.88,"end":358.19998,"sentiment":"neutral","sentiment_score":0.18609348591417074},{"text":"So we're adding so you've got a 6.6% there.","start":358.19998,"end":361.72,"sentiment":"neutral","sentiment_score":0.18190346658229828}],"sentiment":"neutral","sentiment_score":0.09114352680210557,"channel":0,"num_words":28,"start":348.445,"end":361.72},{"sentences":[{"text":"We'll be it's just selling a little bit and sort of rebalancing it back a little bit there.","start":361.72,"end":365.41998,"sentiment":"neutral","sentiment_score":0.1304648427499665},{"text":"The s and p five hundred has been doing quite well.","start":365.825,"end":368.225,"sentiment":"positive","sentiment_score":0.36727021770043805},{"text":"I know it's been a bit up and down at the moment, but it has still seen a really good gain.","start":368.225,"end":371.665,"sentiment":"neutral","sentiment_score":0.21643139350981938},{"text":"So we are just gonna rebalance it back a little bit to 25% there.","start":371.665,"end":375.525,"sentiment":"neutral","sentiment_score":0.2131433327283178},{"text":"And then the so the Rafi a 200, we'll be rebalancing that back to about 15% as well.","start":375.665,"end":382.76,"sentiment":"neutral","sentiment_score":0.15347320131129688}],"sentiment":"neutral","sentiment_score":0.2034136964598807,"channel":0,"num_words":82,"start":361.72,"end":382.76},{"sentences":[{"text":"Yeah.","start":383.495,"end":383.995,"sentiment":"neutral","sentiment_score":0.12646432220935822}],"sentiment":"neutral","sentiment_score":0.12646432220935822,"channel":1,"num_words":1,"start":383.495,"end":383.995},{"sentences":[{"text":"We'll be buying in a bit more of the VanEck Australian properties, a bit underweighted at the moment, increasing that component.","start":383.78003,"end":390.12003,"sentiment":"neutral","sentiment_score":0.09102244604201544},{"text":"And instead of having the Benelon Australian equities, we're gonna buy into the BetaShares a 200.","start":390.34003,"end":395.905,"sentiment":"neutral","sentiment_score":0.114287702832371},{"text":"The BetaShares a 200 still gives you access to the top 200 companies in Australia, so it's still giving you access to Australian equities.","start":396.525,"end":403.745,"sentiment":"neutral","sentiment_score":0.28886667514840764},{"text":"It's","start":404.365,"end":404.60498,"sentiment":"positive","sentiment_score":0.34523412585258484}],"sentiment":"neutral","sentiment_score":0.17771143454217142,"channel":0,"num_words":62,"start":383.78003,"end":404.60498},{"sentences":[{"text":"Yep.","start":404.57498,"end":405.07498,"sentiment":"positive","sentiment_score":0.355846643447876}],"sentiment":"positive","sentiment_score":0.355846643447876,"channel":1,"num_words":1,"start":404.57498,"end":405.07498},{"sentences":[{"text":"just gonna be a little bit cheaper, and it's more of a passively managed investment, which is fantastic.","start":404.60498,"end":409.06,"sentiment":"positive","sentiment_score":0.5210643625921674},{"text":"And it's actually cheaper, so it saves you a bit in fees, which is important.","start":409.12,"end":412.34,"sentiment":"positive","sentiment_score":0.4526213049888611},{"text":"Okay?","start":412.56,"end":413.06,"sentiment":"neutral","sentiment_score":0.19207161664962769}],"sentiment":"positive","sentiment_score":0.4811926387688693,"channel":0,"num_words":34,"start":404.60498,"end":413.06},{"sentences":[{"text":"Yeah.","start":412.895,"end":413.375,"sentiment":"neutral","sentiment_score":0.2900030314922333},{"text":"Beautiful.","start":413.375,"end":413.875,"sentiment":"positive","sentiment_score":0.6183017492294312}],"sentiment":"positive","sentiment_score":0.4541523903608322,"channel":1,"num_words":2,"start":412.895,"end":413.875},{"sentences":[{"text":"Excellent.","start":414.72,"end":415.22,"sentiment":"positive","sentiment_score":0.5261847376823425},{"text":"Now when we had a look at your portfolio together because when we look at the way you waited between hub four and q super, we look at those together.","start":415.75998,"end":423.125,"sentiment":"neutral","sentiment_score":0.11469342025617758},{"text":"We wanna make sure that between the two accounts, you're not overweighted.","start":423.345,"end":426.885,"sentiment":"neutral","sentiment_score":0.023972953980167706},{"text":"When I had a look at all that for you, it actually did show that with the two funds, you were a little bit overweighted there.","start":427.42502,"end":434.14502,"sentiment":"neutral","sentiment_score":-0.13399616141731924},{"text":"So what we're gonna do is we're gonna sorta also just remove the balanced investment within your q super and keep the high growth investment.","start":434.14502,"end":443.09,"sentiment":"neutral","sentiment_score":0.1019585794210434}],"sentiment":"neutral","sentiment_score":0.035316245551122,"channel":0,"num_words":94,"start":414.72,"end":443.09},{"sentences":[{"text":"So between the two funds, you're sitting at that right at the right amount of, you know, risk versus defensive and growth allocation in that growth kind of portfolio.","start":443.09,"end":452.965,"sentiment":"neutral","sentiment_score":0.175884282794492},{"text":"Because when we kind","start":453.265,"end":453.98502,"sentiment":"neutral","sentiment_score":0.074598110280931}],"sentiment":"neutral","sentiment_score":0.16360717097466643,"channel":0,"num_words":33,"start":443.09,"end":453.98502},{"sentences":[{"text":"Yeah.","start":453.97998,"end":454.47998,"sentiment":"neutral","sentiment_score":0.1082937717437744}],"sentiment":"neutral","sentiment_score":0.1082937717437744,"channel":1,"num_words":1,"start":453.97998,"end":454.47998},{"sentences":[{"text":"of looked at the way you were within q super and hub twenty four, it was a little bit overweighted there, and having the one investment can also make it a bit cheaper for you.","start":453.98502,"end":463.02502,"sentiment":"neutral","sentiment_score":0.0550481949533735},{"text":"So when we looked at the high growth within q super versus what we're moving you into and rebalancing to within hub twenty four, it all worked out quite even there for you.","start":463.02502,"end":471.99,"sentiment":"neutral","sentiment_score":0.3152863211704023},{"text":"Okay?","start":471.99,"end":472.49,"sentiment":"neutral","sentiment_score":0.17142073810100555}],"sentiment":"neutral","sentiment_score":0.18119646608829498,"channel":0,"num_words":69,"start":453.98502,"end":472.49},{"sentences":[{"text":"Yeah.","start":472.7,"end":472.94,"sentiment":"positive","sentiment_score":0.3730168342590332},{"text":"Cool.","start":472.94,"end":473.44,"sentiment":"positive","sentiment_score":0.6043844223022461}],"sentiment":"positive","sentiment_score":0.48870062828063965,"channel":1,"num_words":2,"start":472.7,"end":473.44},{"sentences":[{"text":"Perfect.","start":474.15,"end":474.65,"sentiment":"positive","sentiment_score":0.6121859550476074},{"text":"So on the next page there, you'll see we do have to hold a certain amount of cash within hub twenty four.","start":475.91,"end":480.63,"sentiment":"neutral","sentiment_score":0.23988160558722235},{"text":"It's 1.25%.","start":480.63,"end":482.33,"sentiment":"neutral","sentiment_score":0.19702840596437454},{"text":"So, essentially, we'll just see reducing your cash balance there a little bit.","start":482.83502,"end":486.99503,"sentiment":"neutral","sentiment_score":0.15272252147014326},{"text":"Okay?","start":486.99503,"end":487.49503,"sentiment":"neutral","sentiment_score":0.09237047284841536}],"sentiment":"neutral","sentiment_score":0.21439490620142374,"channel":0,"num_words":39,"start":474.15,"end":487.49503},{"sentences":[{"text":"Yeah.","start":487.79498,"end":488.275,"sentiment":"neutral","sentiment_score":0.09614114463329317},{"text":"Yep.","start":488.275,"end":488.775,"sentiment":"neutral","sentiment_score":0.09576505422592164}],"sentiment":"neutral","sentiment_score":0.0959530994296074,"channel":1,"num_words":2,"start":487.79498,"end":488.775},{"sentences":[{"text":"If you scroll down to page number 22 for me, this is the fee comparison table.","start":490.035,"end":495.075,"sentiment":"neutral","sentiment_score":0.05787926563061774},{"text":"This sort of shows you the recommendation there.","start":495.075,"end":500.06,"sentiment":"neutral","sentiment_score":0.06434739753603935},{"text":"Okay.","start":501.24002,"end":501.74002,"sentiment":"neutral","sentiment_score":0.021174024790525436}],"sentiment":"neutral","sentiment_score":0.05848085820674896,"channel":0,"num_words":25,"start":490.035,"end":501.74002},{"sentences":[{"text":"Page 24.","start":501.72,"end":503.02,"sentiment":"neutral","sentiment_score":0.014092579483985901}],"sentiment":"neutral","sentiment_score":0.014092579483985901,"channel":1,"num_words":2,"start":501.72,"end":503.02},{"sentences":[{"text":"22.","start":503.80002,"end":504.44,"sentiment":"neutral","sentiment_score":0.010771188884973526},{"text":"So 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comparison at the top.","start":505.40002,"end":506.92,"sentiment":"neutral","sentiment_score":0.059205465763807294},{"text":"Yeah.","start":506.92,"end":507.42,"sentiment":"neutral","sentiment_score":0.06916493922472}],"sentiment":"neutral","sentiment_score":0.06086537800729275,"channel":0,"num_words":6,"start":505.40002,"end":507.42},{"sentences":[{"text":"Yep.","start":514.815,"end":515.135,"sentiment":"neutral","sentiment_score":0.08807408809661865},{"text":"Got it there.","start":515.135,"end":516.035,"sentiment":"neutral","sentiment_score":0.09938829640547435}],"sentiment":"neutral","sentiment_score":0.09655974432826042,"channel":1,"num_words":4,"start":514.815,"end":516.035},{"sentences":[{"text":"You got that?","start":516.455,"end":517.175,"sentiment":"neutral","sentiment_score":0.11994313697020213},{"text":"Perfect.","start":517.175,"end":517.675,"sentiment":"positive","sentiment_score":0.43259090185165405},{"text":"Now this this sort of shows the current versus the recommended of what we're moment, you've got your two funds with the two balances between it there, and you've also got your administration fees, investment fees, any other fees applicable to the funds, the adviser service fee for us looking after everything.","start":518.455,"end":534.86,"sentiment":"neutral","sentiment_score":0.18997805608579746},{"text":"I've taken out contributions to make this more of a realistic projection.","start":535.325,"end":539.505,"sentiment":"neutral","sentiment_score":0.21986966952681541},{"text":"So whilst you're","start":539.645,"end":540.28503,"sentiment":"neutral","sentiment_score":0.004973067902028561}],"sentiment":"neutral","sentiment_score":0.18767090798945915,"channel":0,"num_words":71,"start":516.455,"end":540.28503},{"sentences":[{"text":"Uh-huh.","start":540.22,"end":540.72,"sentiment":"neutral","sentiment_score":-0.06407031416893005}],"sentiment":"neutral","sentiment_score":-0.06407031416893005,"channel":1,"num_words":1,"start":540.22,"end":540.72},{"sentences":[{"text":"still actively looking for work, I didn't wanna kinda overproject and give you something was unachievable.","start":540.28503,"end":545.025,"sentiment":"neutral","sentiment_score":-0.202434494625777},{"text":"So I've left","start":545.645,"end":546.28503,"sentiment":"neutral","sentiment_score":-0.039855875074863434}],"sentiment":"neutral","sentiment_score":-0.17676418627563276,"channel":0,"num_words":19,"start":540.28503,"end":546.28503},{"sentences":[{"text":"Yeah.","start":546.105,"end":546.605,"sentiment":"neutral","sentiment_score":-0.025061069056391716}],"sentiment":"neutral","sentiment_score":-0.025061069056391716,"channel":1,"num_words":1,"start":546.105,"end":546.605},{"sentences":[{"text":"it with no contributions currently for you and then your insurance premiums in there, which will stay within q super.","start":546.28503,"end":552.63,"sentiment":"neutral","sentiment_score":-0.0021340730600059032},{"text":"Okay?","start":552.76996,"end":553.26996,"sentiment":"neutral","sentiment_score":0.06432804465293884}],"sentiment":"neutral","sentiment_score":0.0010307896882295609,"channel":0,"num_words":21,"start":546.28503,"end":553.26996},{"sentences":[{"text":"Yeah.","start":554.105,"end":554.605,"sentiment":"neutral","sentiment_score":0.180459588766098}],"sentiment":"neutral","sentiment_score":0.180459588766098,"channel":1,"num_words":1,"start":554.105,"end":554.605},{"sentences":[{"text":"So the current portfolio has averaged about 12.57% when we look at the way we're rebalancing and by removing Van Along and the the bank hybrids there, you can see the newer portfolio has averaged a much higher three year rolling average.","start":554.76996,"end":569.635,"sentiment":"positive","sentiment_score":0.34193686076572966},{"text":"Okay?","start":569.855,"end":570.355,"sentiment":"neutral","sentiment_score":0.2701505124568939}],"sentiment":"positive","sentiment_score":0.340267410805059,"channel":0,"num_words":43,"start":554.76996,"end":570.355},{"sentences":[{"text":"Yep.","start":570.66504,"end":571.16504,"sentiment":"positive","sentiment_score":0.4044905304908752}],"sentiment":"positive","sentiment_score":0.4044905304908752,"channel":1,"num_words":1,"start":570.66504,"end":571.16504},{"sentences":[{"text":"On the next page, even with no additional contributions going in, you can sort of see over the next five to ten years if the portfolio was able to get what had over the past three years, you can sort of see yourself in a much greater position moving forward, which is kind of why we've gone forward that recommendation for you.","start":571.855,"end":587.76,"sentiment":"positive","sentiment_score":0.5256699451035068},{"text":"Okay.","start":587.76,"end":588.26,"sentiment":"neutral","sentiment_score":0.2499796152114868}],"sentiment":"positive","sentiment_score":0.5212939081210939,"channel":0,"num_words":63,"start":571.855,"end":588.26},{"sentences":[{"text":"Yeah.","start":588.6,"end":589.0,"sentiment":"positive","sentiment_score":0.3620588183403015},{"text":"Cool.","start":589.0,"end":589.5,"sentiment":"positive","sentiment_score":0.49951088428497314}],"sentiment":"positive","sentiment_score":0.43078485131263733,"channel":1,"num_words":2,"start":588.6,"end":589.5},{"sentences":[{"text":"Yeah.","start":589.92004,"end":590.42004,"sentiment":"positive","sentiment_score":0.4469861090183258},{"text":"All good.","start":590.48004,"end":591.22003,"sentiment":"positive","sentiment_score":0.6282663643360138},{"text":"It's been really important to note that when we sort of look at the fee structure, whenever we're making changes to your portfolio, there is a difference to account for.","start":591.76,"end":601.035,"sentiment":"neutral","sentiment_score":0.053976074978709224},{"text":"So we do estimate, and you'll see in the differences column on that fee table there, the $278, that's essentially the","start":601.035,"end":607.435,"sentiment":"neutral","sentiment_score":0.06786035835033372}],"sentiment":"neutral","sentiment_score":0.08792349282238218,"channel":0,"num_words":54,"start":589.92004,"end":607.435},{"sentences":[{"text":"Yep.","start":607.36005,"end":607.86005,"sentiment":"neutral","sentiment_score":0.03740556910634041}],"sentiment":"neutral","sentiment_score":0.03740556910634041,"channel":1,"num_words":1,"start":607.36005,"end":607.86005},{"sentences":[{"text":"CGT consequences.","start":607.435,"end":608.735,"sentiment":"neutral","sentiment_score":-0.0678657591342926},{"text":"So your super fund, just like yourself, does a tax return every 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CGT.","start":622.87,"end":624.97003,"sentiment":"neutral","sentiment_score":0.10450270771980286},{"text":"Okay?","start":625.485,"end":625.985,"sentiment":"neutral","sentiment_score":0.04342293366789818}],"sentiment":"neutral","sentiment_score":0.10913742453392063,"channel":0,"num_words":56,"start":607.435,"end":625.985},{"sentences":[{"text":"Mhmm.","start":626.13495,"end":626.63495,"sentiment":"neutral","sentiment_score":-0.0010373834520578384}],"sentiment":"neutral","sentiment_score":-0.0010373834520578384,"channel":1,"num_words":1,"start":626.13495,"end":626.63495},{"sentences":[{"text":"With the administration fee, we are also recommending there that we're rolling over some money out of QSuper.","start":627.725,"end":632.46497,"sentiment":"neutral","sentiment_score":-0.03011587800251113},{"text":"Obviously, keeping as much money in hub twenty four in the better performing portfolio is really important.","start":633.325,"end":638.845,"sentiment":"neutral","sentiment_score":0.07426431840833496},{"text":"But because you're not working at the moment, I am increasing the amount that we're gonna leave behind.","start":638.845,"end":643.16,"sentiment":"neutral","sentiment_score":-0.2775683667924669},{"text":"So I do wanna","start":643.45996,"end":644.25995,"sentiment":"neutral","sentiment_score":0.06238827668130398}],"sentiment":"neutral","sentiment_score":-0.07063631380074903,"channel":0,"num_words":57,"start":627.725,"end":644.25995},{"sentences":[{"text":"Yeah.","start":643.98004,"end":644.48004,"sentiment":"neutral","sentiment_score":0.04067366197705269}],"sentiment":"neutral","sentiment_score":0.04067366197705269,"channel":1,"num_words":1,"start":643.98004,"end":644.48004},{"sentences":[{"text":"leave 15,000 in q super.","start":644.25995,"end":646.25995,"sentiment":"neutral","sentiment_score":0.15197130143642426},{"text":"That's make sure you've got a higher balance than the minimum required to keep your insurances in place.","start":646.25995,"end":651.24,"sentiment":"neutral","sentiment_score":0.23755587885777155},{"text":"I'm also","start":651.37994,"end":651.86,"sentiment":"neutral","sentiment_score":0.11534314230084419}],"sentiment":"neutral","sentiment_score":0.2106619444489479,"channel":0,"num_words":25,"start":644.25995,"end":651.86},{"sentences":[{"text":"Yeah.","start":651.755,"end":652.255,"sentiment":"neutral","sentiment_score":0.10795777291059494}],"sentiment":"neutral","sentiment_score":0.10795777291059494,"channel":1,"num_words":1,"start":651.755,"end":652.255},{"sentences":[{"text":"gonna organize an opt in letter to send to them.","start":651.86,"end":654.57996,"sentiment":"neutral","sentiment_score":0.1290219842456281},{"text":"That way we can make sure that, you know, if you're off work for an extended period of time, that the opt in form protects your insurances as a secondary measure for you.","start":654.57996,"end":663.115,"sentiment":"neutral","sentiment_score":0.3136727483660886},{"text":"And then anything over that 15,000 can be rolled into Hub twenty four so it's invested nice and easily in that portfolio.","start":663.335,"end":670.235,"sentiment":"positive","sentiment_score":0.4295995980501175},{"text":"Sorry.","start":671.27,"end":671.77,"sentiment":"neutral","sentiment_score":-0.03187955915927887},{"text":"By moving money into Hub twenty four, we do know there is gonna be an increase in the administration fees.","start":672.15,"end":678.25,"sentiment":"neutral","sentiment_score":-0.02626432925462723}],"sentiment":"neutral","sentiment_score":0.2387842505975345,"channel":0,"num_words":86,"start":651.86,"end":678.25},{"sentences":[{"text":"However, when you look at the investment fees, by making the changes to the portfolio, we're actually saving about $448 in investment fees.","start":678.39,"end":686.15,"sentiment":"neutral","sentiment_score":0.267986663657686},{"text":"So it's a pretty big savings, an increase","start":686.15,"end":688.415,"sentiment":"positive","sentiment_score":0.36774301901459694}],"sentiment":"neutral","sentiment_score":0.293730239233663,"channel":0,"num_words":31,"start":678.39,"end":688.415},{"sentences":[{"text":"Yeah.","start":688.2,"end":688.7,"sentiment":"neutral","sentiment_score":0.13113485276699066}],"sentiment":"neutral","sentiment_score":0.13113485276699066,"channel":1,"num_words":1,"start":688.2,"end":688.7},{"sentences":[{"text":"in the admin fees by about $91.","start":688.415,"end":690.65497,"sentiment":"neutral","sentiment_score":0.18185984449727194},{"text":"So yeah.","start":690.65497,"end":693.375,"sentiment":"neutral","sentiment_score":0.31601011753082275},{"text":"All good.","start":693.375,"end":694.115,"sentiment":"positive","sentiment_score":0.5347723364830017},{"text":"There's essentially no real changes to sorry.","start":694.975,"end":698.675,"sentiment":"neutral","sentiment_score":-0.09396240540913173},{"text":"No real changes to the insurance in any way, shape, or form at the moment.","start":699.64,"end":703.33997,"sentiment":"neutral","sentiment_score":-0.05785304307937622}],"sentiment":"neutral","sentiment_score":0.0439106465289087,"channel":0,"num_words":33,"start":688.415,"end":703.33997},{"sentences":[{"text":"However, that down the track can change.","start":703.88,"end":705.64,"sentiment":"neutral","sentiment_score":0.02620193042925426},{"text":"When you have that change in circumstances, let me know.","start":705.64,"end":708.2,"sentiment":"neutral","sentiment_score":0.13843793123960496},{"text":"We'll happily make time to have a bit of a chat and see what we can do and update the advice for you moving 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all?","start":715.575,"end":717.91504,"sentiment":"neutral","sentiment_score":0.14061875724130207}],"sentiment":"neutral","sentiment_score":0.19937407089905304,"channel":0,"num_words":11,"start":715.09503,"end":717.91504},{"sentences":[{"text":"No.","start":718.27997,"end":718.52,"sentiment":"neutral","sentiment_score":0.005304951220750809},{"text":"That's pretty good.","start":718.52,"end":719.56,"sentiment":"neutral","sentiment_score":0.1735147088766098},{"text":"Alright.","start":719.56,"end":720.06,"sentiment":"neutral","sentiment_score":0.2687210440635681}],"sentiment":"neutral","sentiment_score":0.15891402438282967,"channel":1,"num_words":5,"start":718.27997,"end":720.06},{"sentences":[{"text":"Perfect.","start":721.09503,"end":721.59503,"sentiment":"positive","sentiment_score":0.4242675304412842},{"text":"Perfect.","start":721.815,"end":722.315,"sentiment":"neutral","sentiment_score":0.26893350481987},{"text":"So sorry.","start":722.695,"end":723.435,"sentiment":"neutral","sentiment_score":-0.019116265699267387},{"text":"The","start":724.055,"end":724.29504,"sentiment":"neutral","sentiment_score":-0.038428228348493576}],"sentiment":"neutral","sentiment_score":0.12330805510282516,"channel":0,"num_words":5,"start":721.09503,"end":724.29504},{"sentences":[{"text":"You're","start":724.2,"end":724.44,"sentiment":"neutral","sentiment_score":-0.056283943355083466}],"sentiment":"neutral","sentiment_score":-0.056283943355083466,"channel":1,"num_words":1,"start":724.2,"end":724.44},{"sentences":[{"text":"next","start":724.29504,"end":724.615,"sentiment":"neutral","sentiment_score":-0.06126208230853081}],"sentiment":"neutral","sentiment_score":-0.06126208230853081,"channel":0,"num_words":1,"start":724.29504,"end":724.615},{"sentences":[{"text":"alright.","start":724.44,"end":724.94,"sentiment":"neutral","sentiment_score":-0.03144371137022972}],"sentiment":"neutral","sentiment_score":-0.03144371137022972,"channel":1,"num_words":1,"start":724.44,"end":724.94},{"sentences":[{"text":"page, if it keeps going down, is the insurance section.","start":724.615,"end":728.61,"sentiment":"neutral","sentiment_score":-0.055523631721735},{"text":"So on page number 24.","start":728.61,"end":730.29,"sentiment":"neutral","sentiment_score":-0.013523358479142189},{"text":"So we did talk about how we're not able to apply for disability covers for TBD or income protection at the moment, so we wanna do hold off on that.","start":730.29,"end":737.89,"sentiment":"neutral","sentiment_score":-0.11160644963383674},{"text":"However, we can look to increase your life if you wanted to and also the trauma.","start":737.89,"end":743.935,"sentiment":"neutral","sentiment_score":0.016536815091967583},{"text":"So we did talk about applying for trauma cover.","start":743.935,"end":746.51495,"sentiment":"neutral","sentiment_score":0.0586498880551921}],"sentiment":"neutral","sentiment_score":-0.04540869378085647,"channel":0,"num_words":70,"start":724.615,"end":746.51495},{"sentences":[{"text":"Life cover and trauma aren't necessarily underwritten by occupation, so they're a lot easier to apply for when you're not working.","start":746.975,"end":753.39496,"sentiment":"neutral","sentiment_score":0.06520401970261619},{"text":"I wanted to include this in the advice document to show you the recommendation.","start":753.77997,"end":757.48,"sentiment":"neutral","sentiment_score":0.1976115299122674},{"text":"However, it does come down to your budget and what you're comfortable with.","start":757.94,"end":761.54,"sentiment":"neutral","sentiment_score":0.06159419852953691},{"text":"And if you decide not to take forward this insurance recommendation, that's absolutely 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then","start":891.535,"end":898.02,"sentiment":"neutral","sentiment_score":0.06513371095061302}],"sentiment":"neutral","sentiment_score":0.06513371095061302,"channel":0,"num_words":25,"start":891.535,"end":898.02},{"sentences":[{"text":"Yep.","start":897.89496,"end":898.39496,"sentiment":"neutral","sentiment_score":0.087415412068367}],"sentiment":"neutral","sentiment_score":0.087415412068367,"channel":1,"num_words":1,"start":897.89496,"end":898.39496},{"sentences":[{"text":"you can let me know whether or not you're able to afford this.","start":898.02,"end":900.98004,"sentiment":"neutral","sentiment_score":0.0657790619879961},{"text":"If you choose not to, it's absolutely okay.","start":900.98004,"end":903.32,"sentiment":"neutral","sentiment_score":0.13741598557680845},{"text":"We are you'll get work in the next few months, and we'll reevaluate it, and we can always make the recommendation and update the recommendation then for you as 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with.","start":914.315,"end":917.135,"sentiment":"positive","sentiment_score":0.5646756453947588},{"text":"The main sort of reason I went with ClearView on this is that it whilst it didn't have the highest score for features and benefits, it actually did have the lowest cost, which was kind of really important for you.","start":917.27496,"end":930.28,"sentiment":"positive","sentiment_score":0.3547722645103931},{"text":"And when you look at the funeral benefit, they actually pay out the highest funeral benefit.","start":930.28,"end":934.38,"sentiment":"neutral","sentiment_score":0.17162202904000878}],"sentiment":"positive","sentiment_score":0.35064967181803525,"channel":0,"num_words":69,"start":912.875,"end":934.38},{"sentences":[{"text":"They generally allow you to draw down the funeral benefit at a an amount of 25,000, which is one of the highest ones out there, which is 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basis sorry.","start":952.62,"end":960.3,"sentiment":"neutral","sentiment_score":-0.09724887550391},{"text":"So $34.77.","start":960.3,"end":962.08,"sentiment":"neutral","sentiment_score":-0.05609545670449734},{"text":"It works with a bit of $8.69 on a weekly basis, which is pretty minimal to get a $140,000 benefit of life and trauma.","start":962.7,"end":970.895,"sentiment":"neutral","sentiment_score":-0.1336853795995315}],"sentiment":"neutral","sentiment_score":-0.12616775221511967,"channel":0,"num_words":61,"start":950.815,"end":970.895},{"sentences":[{"text":"Yeah.","start":974.635,"end":975.115,"sentiment":"neutral","sentiment_score":0.02370508573949337},{"text":"But now it's all good.","start":975.115,"end":976.395,"sentiment":"neutral","sentiment_score":0.1614508807659149},{"text":"Let 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track.","start":1017.74,"end":1019.89996,"sentiment":"neutral","sentiment_score":0.08763955850154162},{"text":"Okay?","start":1019.89996,"end":1020.39996,"sentiment":"neutral","sentiment_score":0.04893021658062935}],"sentiment":"neutral","sentiment_score":-0.018107949514183905,"channel":0,"num_words":77,"start":1002.13495,"end":1020.39996},{"sentences":[{"text":"Yeah.","start":1020.39,"end":1020.71,"sentiment":"neutral","sentiment_score":0.10158511996269226},{"text":"Cool.","start":1020.71,"end":1021.11,"sentiment":"neutral","sentiment_score":0.17881596088409424},{"text":"Okay.","start":1021.11,"end":1021.61,"sentiment":"neutral","sentiment_score":0.1032153218984604}],"sentiment":"neutral","sentiment_score":0.12787213424841562,"channel":1,"num_words":3,"start":1020.39,"end":1021.61},{"sentences":[{"text":"Yeah.","start":1021.74,"end":1022.24,"sentiment":"neutral","sentiment_score":0.17522573471069336},{"text":"All 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moment.","start":1055.805,"end":1060.545,"sentiment":"neutral","sentiment_score":0.14910938152495554},{"text":"Okay?","start":1060.685,"end":1061.185,"sentiment":"neutral","sentiment_score":0.09128613770008089}],"sentiment":"neutral","sentiment_score":0.14589697909024027,"channel":0,"num_words":18,"start":1055.805,"end":1061.185},{"sentences":[{"text":"Yeah.","start":1061.265,"end":1061.505,"sentiment":"neutral","sentiment_score":0.11523988097906113},{"text":"Gotcha.","start":1061.505,"end":1062.005,"sentiment":"neutral","sentiment_score":0.15353457629680634}],"sentiment":"neutral","sentiment_score":0.13438722863793373,"channel":1,"num_words":2,"start":1061.265,"end":1062.005},{"sentences":[{"text":"Yeah.","start":1062.4601,"end":1062.9601,"sentiment":"neutral","sentiment_score":0.24671202898025513},{"text":"All good.","start":1063.1001,"end":1063.92,"sentiment":"positive","sentiment_score":0.45177963376045227},{"text":"Essentially, that's most of the advice there.","start":1064.9401,"end":1067.18,"sentiment":"neutral","sentiment_score":0.29520187633378164},{"text":"The only other part on page number 32 is the beneficiary side of things.","start":1067.18,"end":1071.28,"sentiment":"neutral","sentiment_score":0.16392408151711738},{"text":"So we did sort of talk about what you wanted to happen to your beneficiaries, just making sure that in the event that something was to happen, that your life cover and your super was distributed where you wanted it to go to.","start":1071.66,"end":1082.545,"sentiment":"neutral","sentiment_score":0.1929326185653376}],"sentiment":"neutral","sentiment_score":0.20608543537890733,"channel":0,"num_words":67,"start":1062.4601,"end":1082.545},{"sentences":[{"text":"Essentially,","start":1083.005,"end":1083.4851,"sentiment":"neutral","sentiment_score":0.07611973583698273}],"sentiment":"neutral","sentiment_score":0.07611973583698273,"channel":0,"num_words":1,"start":1083.005,"end":1083.4851},{"sentences":[{"text":"Yeah.","start":1083.305,"end":1083.805,"sentiment":"neutral","sentiment_score":0.127817302942276}],"sentiment":"neutral","sentiment_score":0.127817302942276,"channel":1,"num_words":1,"start":1083.305,"end":1083.805},{"sentences":[{"text":"you mentioned that you wanted it to be paid to your brother in the event that something happened.","start":1083.4851,"end":1087.245,"sentiment":"neutral","sentiment_score":0.1461085681286123},{"text":"So under this this act, your brother doesn't meet the condition to 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really important as well and just making sure that will is updated to reflect your wishes.","start":1171.3351,"end":1176.48,"sentiment":"positive","sentiment_score":0.48581465807828034},{"text":"We can we, as advisers, don't do wills.","start":1176.94,"end":1179.74,"sentiment":"neutral","sentiment_score":-0.0697091855108738}],"sentiment":"positive","sentiment_score":0.42221066501082444,"channel":0,"num_words":41,"start":1167.5751,"end":1179.74},{"sentences":[{"text":"We're not solicitors.","start":1179.74,"end":1180.64,"sentiment":"neutral","sentiment_score":-0.06800646831591924},{"text":"However, we can always refer you through to a solicitor, and we can always send out an email with some information on a local solicitor who also does things by email and phone.","start":1180.86,"end":1189.76,"sentiment":"neutral","sentiment_score":0.2672775586446126},{"text":"And they're actually pretty well priced.","start":1189.975,"end":1191.495,"sentiment":"positive","sentiment_score":0.545218407176435},{"text":"We can send out a bit of a costing on what it costs to do up a will, but making sure everything you've worked hard for, your home and your contents and your cars and your savings accounts is all kind of distributed as per your wishes.","start":1191.495,"end":1202.875,"sentiment":"neutral","sentiment_score":0.27573027723330135},{"text":"Having worked in this industry for a while, I've seen, unfortunately, estate's so bad where, you know, someone's got no will in place.","start":1203.6549,"end":1211.4701,"sentiment":"neutral","sentiment_score":-0.31409766848968423}],"sentiment":"neutral","sentiment_score":0.15734399221504905,"channel":0,"num_words":112,"start":1179.74,"end":1211.4701},{"sentences":[{"text":"Everything gets paid into your estate.","start":1211.4701,"end":1212.91,"sentiment":"negative","sentiment_score":-0.43268794814745587},{"text":"It goes through probate, and it doesn't automatically go to your spouse or your brother or your mom.","start":1212.91,"end":1216.99,"sentiment":"negative","sentiment_score":-0.39795870582262677},{"text":"It's other people can come out and make a claim on the estate.","start":1216.99,"end":1220.13,"sentiment":"negative","sentiment_score":-0.4730755595060495},{"text":"And it all comes down to a judge and what he thinks and where things should go.","start":1220.625,"end":1224.305,"sentiment":"neutral","sentiment_score":-0.27581508720622344},{"text":"He utilizes legislation as a guide, but I've seen family members or, you know, relatives who the persons have spoken to for years and years who actually get a piece of the pie.","start":1224.305,"end":1235.105,"sentiment":"neutral","sentiment_score":-0.09216348081827164}],"sentiment":"neutral","sentiment_score":-0.2717197473193037,"channel":0,"num_words":87,"start":1211.4701,"end":1235.105},{"sentences":[{"text":"So 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for.","start":1236.22,"end":1241.2,"sentiment":"neutral","sentiment_score":0.30109818367397084},{"text":"Okay?","start":1241.26,"end":1241.76,"sentiment":"neutral","sentiment_score":0.14319118857383728}],"sentiment":"neutral","sentiment_score":0.29232557283507454,"channel":0,"num_words":18,"start":1236.22,"end":1241.76},{"sentences":[{"text":"Yeah.","start":1242.0299,"end":1242.5299,"sentiment":"neutral","sentiment_score":0.11072564125061037}],"sentiment":"neutral","sentiment_score":0.11072564125061037,"channel":1,"num_words":1,"start":1242.0299,"end":1242.5299},{"sentences":[{"text":"And the other thing that we do make a recommendation on is the power of attorney as well.","start":1243.4199,"end":1247.0199,"sentiment":"neutral","sentiment_score":0.1429048664867878},{"text":"So making sure that you've got a power of attorney.","start":1247.0199,"end":1249.0199,"sentiment":"neutral","sentiment_score":0.1540444500744343},{"text":"You can have three different types, a general power of 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you could email the details through the solicitor","start":1310.345,"end":1314.6,"sentiment":"neutral","sentiment_score":0.023127023441096146}],"sentiment":"neutral","sentiment_score":0.023127023441096146,"channel":1,"num_words":9,"start":1310.345,"end":1314.6},{"sentences":[{"text":"Mhmm.","start":1314.4551,"end":1314.9551,"sentiment":"neutral","sentiment_score":0.02246766909956932}],"sentiment":"neutral","sentiment_score":0.02246766909956932,"channel":0,"num_words":1,"start":1314.4551,"end":1314.9551},{"sentences":[{"text":"so I can have a look at that, that would 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giving you an advice document every month, it's only gonna benefit you at the end of the day.","start":1365.17,"end":1370.255,"sentiment":"positive","sentiment_score":0.3686793787138803}],"sentiment":"positive","sentiment_score":0.36319810020573,"channel":0,"num_words":68,"start":1354.29,"end":1370.255},{"sentences":[{"text":"So I just like","start":1370.255,"end":1371.615,"sentiment":"neutral","sentiment_score":0.204189695417881}],"sentiment":"neutral","sentiment_score":0.204189695417881,"channel":0,"num_words":4,"start":1370.255,"end":1371.615},{"sentences":[{"text":"Yeah.","start":1371.48,"end":1371.98,"sentiment":"neutral","sentiment_score":0.3022681474685669}],"sentiment":"neutral","sentiment_score":0.3022681474685669,"channel":1,"num_words":1,"start":1371.48,"end":1371.98},{"sentences":[{"text":"to make sure that you're aware that those services are available to you.","start":1371.615,"end":1374.575,"sentiment":"neutral","sentiment_score":0.26633928143061125},{"text":"We also 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yeah, shoot me an email or let me know when that happens, and I'll make time straight away to give you a call and have a chat to you about it.","start":1493.12,"end":1499.6799,"sentiment":"neutral","sentiment_score":0.22660831455141306},{"text":"It's not an issue","start":1499.6799,"end":1500.3999,"sentiment":"neutral","sentiment_score":0.0952703095972538}],"sentiment":"neutral","sentiment_score":0.2365208447743685,"channel":0,"num_words":39,"start":1491.12,"end":1500.3999},{"sentences":[{"text":"Yeah.","start":1500.3049,"end":1500.8049,"sentiment":"neutral","sentiment_score":0.13071340322494507}],"sentiment":"neutral","sentiment_score":0.13071340322494507,"channel":1,"num_words":1,"start":1500.3049,"end":1500.8049},{"sentences":[{"text":"at all.","start":1500.3999,"end":1501.0599,"sentiment":"neutral","sentiment_score":0.16666236519813538}],"sentiment":"neutral","sentiment_score":0.16666236519813538,"channel":0,"num_words":2,"start":1500.3999,"end":1501.0599},{"sentences":[{"text":"Code.","start":1501.265,"end":1501.765,"sentiment":"neutral","sentiment_score":0.23901870846748352}],"sentiment":"neutral","sentiment_score":0.23901870846748352,"channel":1,"num_words":1,"start":1501.265,"end":1501.765},{"sentences":[{"text":"Perfect.","start":1502.575,"end":1503.075,"sentiment":"positive","sentiment_score":0.598307192325592},{"text":"All good.","start":1503.215,"end":1503.955,"sentiment":"positive","sentiment_score":0.538008451461792},{"text":"The only other thing I do need to let you know is if you decide to take on the recommendation with Clearview there, we do receive remuneration from the insurance companies for them writing a contract for you.","start":1504.095,"end":1514.255,"sentiment":"neutral","sentiment_score":0.05739841727833999},{"text":"It's not paid by you.","start":1514.255,"end":1515.135,"sentiment":"neutral","sentiment_score":-0.034876907244324684},{"text":"It's paid by the insurer.","start":1515.135,"end":1516.4349,"sentiment":"neutral","sentiment_score":0.030378158390522002}],"sentiment":"neutral","sentiment_score":0.07515627857955064,"channel":0,"num_words":51,"start":1502.575,"end":1516.4349},{"sentences":[{"text":"It is","start":1516.89,"end":1517.29,"sentiment":"neutral","sentiment_score":0.05292811058461666}],"sentiment":"neutral","sentiment_score":0.05292811058461666,"channel":0,"num_words":2,"start":1516.89,"end":1517.29},{"sentences":[{"text":"Yes.","start":1517.24,"end":1517.74,"sentiment":"neutral","sentiment_score":0.11209355294704436}],"sentiment":"neutral","sentiment_score":0.11209355294704436,"channel":1,"num_words":1,"start":1517.24,"end":1517.74},{"sentences":[{"text":"standard across the board, but I like to disclose it, and it is noted in the document down there on page 44 for you.","start":1517.29,"end":1523.29,"sentiment":"neutral","sentiment_score":0.10599917670090993},{"text":"So we do receive 66% of the first year's premiums and 22% they're ongoing, But it is really important that it has no effect on my recommendations.","start":1523.29,"end":1532.2051,"sentiment":"neutral","sentiment_score":0.06462690013426321},{"text":"My recommendations are made in line with your goals and under our best interest duty, which is part of the corporations at.","start":1532.505,"end":1538.125,"sentiment":"neutral","sentiment_score":0.10622960650785403}],"sentiment":"neutral","sentiment_score":0.09076654640574978,"channel":0,"num_words":73,"start":1517.29,"end":1538.125},{"sentences":[{"text":"Yeah.","start":1538.7101,"end":1539.2101,"sentiment":"neutral","sentiment_score":-0.0672193244099617}],"sentiment":"neutral","sentiment_score":-0.0672193244099617,"channel":1,"num_words":1,"start":1538.7101,"end":1539.2101},{"sentences":[{"text":"So I don't ever, you know, want you to take the recommendation just for that.","start":1538.745,"end":1542.87,"sentiment":"neutral","sentiment_score":-0.2944765994946162},{"text":"If you can't afford it right now or you do not feel it's the right time to take the insurance recommendation, you're welcome to put it off and we can revisit that down the track.","start":1543.19,"end":1551.85,"sentiment":"neutral","sentiment_score":-0.3094642260244915},{"text":"I do not mind in any way, shape, or form my work for you.","start":1552.15,"end":1555.11,"sentiment":"neutral","sentiment_score":-0.00967231233205114},{"text":"Okay?","start":1555.11,"end":1555.61,"sentiment":"neutral","sentiment_score":0.07939814031124115}],"sentiment":"neutral","sentiment_score":-0.2354524790094449,"channel":0,"num_words":65,"start":1538.745,"end":1555.61},{"sentences":[{"text":"Yeah.","start":1556.255,"end":1556.5751,"sentiment":"neutral","sentiment_score":0.18693113327026367},{"text":"Beautiful.","start":1556.5751,"end":1557.0751,"sentiment":"positive","sentiment_score":0.5368096232414246}],"sentiment":"positive","sentiment_score":0.3618703782558441,"channel":1,"num_words":2,"start":1556.255,"end":1557.0751},{"sentences":[{"text":"All good.","start":1558.0951,"end":1558.8351,"sentiment":"positive","sentiment_score":0.48986130952835083},{"text":"Do you have any questions in relation to any of those recommendations or any part of the advice so far?","start":1558.9751,"end":1564.655,"sentiment":"neutral","sentiment_score":0.1117973381653428},{"text":"Or","start":1564.655,"end":1564.895,"sentiment":"neutral","sentiment_score":0.01908811181783676}],"sentiment":"neutral","sentiment_score":0.14064163018179976,"channel":0,"num_words":23,"start":1558.0951,"end":1564.895},{"sentences":[{"text":"No.","start":1565.92,"end":1566.16,"sentiment":"neutral","sentiment_score":-0.02521040290594101},{"text":"That's all looking pretty good.","start":1566.16,"end":1568.34,"sentiment":"positive","sentiment_score":0.36117035150527954},{"text":"I'll","start":1569.04,"end":1569.28,"sentiment":"neutral","sentiment_score":0.2054364383220673}],"sentiment":"neutral","sentiment_score":0.2837253989917891,"channel":1,"num_words":7,"start":1565.92,"end":1569.28},{"sentences":[{"text":"yep.","start":1569.1499,"end":1569.6499,"sentiment":"neutral","sentiment_score":0.15713970363140106}],"sentiment":"neutral","sentiment_score":0.15713970363140106,"channel":0,"num_words":1,"start":1569.1499,"end":1569.6499},{"sentences":[{"text":"definitely just have to have a read through it all a bit better, I think.","start":1569.28,"end":1572.64,"sentiment":"neutral","sentiment_score":0.10453790724277497},{"text":"But yeah.","start":1572.64,"end":1573.38,"sentiment":"neutral","sentiment_score":0.13391127437353134}],"sentiment":"neutral","sentiment_score":0.10799359749345218,"channel":1,"num_words":17,"start":1569.28,"end":1573.38},{"sentences":[{"text":"Absolutely.","start":1573.47,"end":1573.97,"sentiment":"neutral","sentiment_score":0.23394232988357544},{"text":"Absolutely.","start":1574.59,"end":1575.09,"sentiment":"neutral","sentiment_score":0.15367622673511505}],"sentiment":"neutral","sentiment_score":0.19380927830934525,"channel":0,"num_words":2,"start":1573.47,"end":1575.09},{"sentences":[{"text":"At the at the moment, no questions at least.","start":1574.64,"end":1576.995,"sentiment":"neutral","sentiment_score":0.033559086422125496}],"sentiment":"neutral","sentiment_score":0.033559086422125496,"channel":1,"num_words":9,"start":1574.64,"end":1576.995},{"sentences":[{"text":"Yeah.","start":1577.1499,"end":1577.5499,"sentiment":"neutral","sentiment_score":0.12171440571546556},{"text":"That's fine.","start":1577.5499,"end":1578.45,"sentiment":"neutral","sentiment_score":0.19291944056749344},{"text":"If there's anything comes up, let me know.","start":1578.59,"end":1580.2699,"sentiment":"neutral","sentiment_score":0.13460945058614016},{"text":"I'm more than happy to go back and rejig anything.","start":1580.2699,"end":1582.35,"sentiment":"positive","sentiment_score":0.38082552552223203},{"text":"If you find there's something you want altered or changed or, yeah, if you just have any general questions whatsoever, let me know.","start":1582.35,"end":1588.665,"sentiment":"neutral","sentiment_score":0.1571510894143063}],"sentiment":"neutral","sentiment_score":0.20470816371115771,"channel":0,"num_words":44,"start":1577.1499,"end":1588.665},{"sentences":[{"text":"I always say there's nothing as a silly question.","start":1588.665,"end":1590.505,"sentiment":"neutral","sentiment_score":0.10586477153831059},{"text":"If it's something you wanna ask, you let me know, and I'll happily answer it.","start":1590.505,"end":1593.545,"sentiment":"neutral","sentiment_score":0.22317569255828856},{"text":"Okay?","start":1593.545,"end":1594.045,"sentiment":"neutral","sentiment_score":0.1564067900180817}],"sentiment":"neutral","sentiment_score":0.17827300488948822,"channel":0,"num_words":25,"start":1588.665,"end":1594.045},{"sentences":[{"text":"Yep.","start":1594.8,"end":1595.3,"sentiment":"neutral","sentiment_score":0.2317826151847839}],"sentiment":"neutral","sentiment_score":0.2317826151847839,"channel":1,"num_words":1,"start":1594.8,"end":1595.3},{"sentences":[{"text":"Beautiful.","start":1596.34,"end":1596.84,"sentiment":"positive","sentiment_score":0.4336852431297302},{"text":"Well, I'll let you go back to read that, and it can be a little bit hard when I'm still talking at you.","start":1596.8999,"end":1601.32,"sentiment":"neutral","sentiment_score":0.09088697101232475},{"text":"So feel free to take some time to read it over and let me know if there's anything you like.","start":1601.5399,"end":1605.32,"sentiment":"neutral","sentiment_score":0.2473973587155342},{"text":"And if","start":1605.5399,"end":1605.86,"sentiment":"neutral","sentiment_score":0.1744164675474167}],"sentiment":"neutral","sentiment_score":0.17001881925692863,"channel":0,"num_words":46,"start":1596.34,"end":1605.86},{"sentences":[{"text":"Yep.","start":1605.84,"end":1606.34,"sentiment":"neutral","sentiment_score":0.16280637681484222}],"sentiment":"neutral","sentiment_score":0.16280637681484222,"channel":1,"num_words":1,"start":1605.84,"end":1606.34},{"sentences":[{"text":"you do decide to take those recommendations, just get you to sign and send it back to me.","start":1605.86,"end":1609.785,"sentiment":"neutral","sentiment_score":0.17869826323456234},{"text":"And just leave a note on the last page if you decide not to take the insurance recommendations for the time being.","start":1609.785,"end":1615.3251,"sentiment":"neutral","sentiment_score":-0.10959532044150612},{"text":"Okay?","start":1615.385,"end":1615.885,"sentiment":"neutral","sentiment_score":0.02804847806692123}],"sentiment":"neutral","sentiment_score":0.020329760160388018,"channel":0,"num_words":41,"start":1605.86,"end":1615.885},{"sentences":[{"text":"Yeah.","start":1615.805,"end":1616.305,"sentiment":"neutral","sentiment_score":0.14620430767536163},{"text":"Too easy.","start":1616.765,"end":1617.5851,"sentiment":"neutral","sentiment_score":0.23788516223430634}],"sentiment":"neutral","sentiment_score":0.20732487738132477,"channel":1,"num_words":3,"start":1615.805,"end":1617.5851},{"sentences":[{"text":"Easy.","start":1618.505,"end":1619.005,"sentiment":"neutral","sentiment_score":0.3026636242866516},{"text":"Not a problem at all.","start":1619.0651,"end":1620.505,"sentiment":"positive","sentiment_score":0.41036553382873536},{"text":"Is there anything else can help you with at the moment or anything else that you wanted me to look at or research for you while you've got me here at all?","start":1620.505,"end":1628.36,"sentiment":"neutral","sentiment_score":0.2069577754009515}],"sentiment":"neutral","sentiment_score":0.2362405291121257,"channel":0,"num_words":38,"start":1618.505,"end":1628.36},{"sentences":[{"text":"No.","start":1629.9099,"end":1630.23,"sentiment":"neutral","sentiment_score":-0.1446654200553894},{"text":"At the moment, I think that's probably okay.","start":1630.23,"end":1633.45,"sentiment":"neutral","sentiment_score":-0.11785746924579144},{"text":"And, yeah,","start":1633.75,"end":1634.605,"sentiment":"neutral","sentiment_score":0.04311469942331314}],"sentiment":"neutral","sentiment_score":-0.09102688865228133,"channel":1,"num_words":11,"start":1629.9099,"end":1634.605},{"sentences":[{"text":"Yep.","start":1634.595,"end":1635.095,"sentiment":"neutral","sentiment_score":0.07619749754667282}],"sentiment":"neutral","sentiment_score":0.07619749754667282,"channel":0,"num_words":1,"start":1634.595,"end":1635.095},{"sentences":[{"text":"once we sort out what's happening with the house, I'll I'll be sure to let you know.","start":1634.605,"end":1640.065,"sentiment":"neutral","sentiment_score":0.05178163008873954}],"sentiment":"neutral","sentiment_score":0.05178163008873954,"channel":1,"num_words":17,"start":1634.605,"end":1640.065},{"sentences":[{"text":"Yeah.","start":1640.675,"end":1641.075,"sentiment":"neutral","sentiment_score":0.24655060470104215},{"text":"Perfect.","start":1641.075,"end":1641.575,"sentiment":"positive","sentiment_score":0.6268076300621033},{"text":"Not a problem at all.","start":1641.795,"end":1642.915,"sentiment":"positive","sentiment_score":0.5247888088226318},{"text":"Well, I'll let you go to have a really good afternoon.","start":1642.915,"end":1645.155,"sentiment":"positive","sentiment_score":0.6838848157362505},{"text":"I thank you so much for your time today, and I'll catch up with you soon.","start":1645.155,"end":1649.335,"sentiment":"positive","sentiment_score":0.7739756666123867}],"sentiment":"positive","sentiment_score":0.6883425269933308,"channel":0,"num_words":34,"start":1640.675,"end":1649.335},{"sentences":[{"text":"Awesome.","start":1649.9501,"end":1650.43,"sentiment":"positive","sentiment_score":0.8501834869384766},{"text":"Sounds good.","start":1650.43,"end":1651.25,"sentiment":"positive","sentiment_score":0.8438836634159088}],"sentiment":"positive","sentiment_score":0.845983604590098,"channel":1,"num_words":3,"start":1649.9501,"end":1651.25},{"sentences":[{"text":"Thank you so much for your time, Nick.","start":1651.82,"end":1653.2999,"sentiment":"positive","sentiment_score":0.8486079052090645},{"text":"I hope you have a great afternoon.","start":1653.2999,"end":1654.88,"sentiment":"positive","sentiment_score":0.8214033416339329}],"sentiment":"positive","sentiment_score":0.8359124422073364,"channel":0,"num_words":15,"start":1651.82,"end":1654.88},{"sentences":[{"text":"Thanks.","start":1655.55,"end":1656.05,"sentiment":"positive","sentiment_score":0.7339663505554199},{"text":"You too.","start":1656.1101,"end":1656.6901,"sentiment":"positive","sentiment_score":0.5728749930858612}],"sentiment":"positive","sentiment_score":0.6265721122423807,"channel":1,"num_words":3,"start":1655.55,"end":1656.6901},{"sentences":[{"text":"Thanks.","start":1657.0199,"end":1657.4199,"sentiment":"positive","sentiment_score":0.6609746217727661},{"text":"See you later.","start":1657.4199,"end":1658.14,"sentiment":"positive","sentiment_score":0.5320562422275543},{"text":"Bye.","start":1658.14,"end":1658.64,"sentiment":"neutral","sentiment_score":0.29344040155410767}],"sentiment":"positive","sentiment_score":0.5101167500019074,"channel":0,"num_words":5,"start":1657.0199,"end":1658.64},{"sentences":[{"text":"Bye.","start":1659.0701,"end":1659.5701,"sentiment":"neutral","sentiment_score":-0.09958013147115707}],"sentiment":"neutral","sentiment_score":-0.09958013147115707,"channel":1,"num_words":1,"start":1659.0701,"end":1659.5701}]},"summary":{"result":"success","short":"During a call with Ogi Financial, the representative discusses the investment portfolio and updates the customer's advice documents, including removing an investment from his portfolio and consolidating his investments into the core composite bonds. The speaker emphasizes the importance of retaining the QIA and provides information on life and trauma coverage, as well as the benefits of life and trauma coverage. The agent recommends reducing contributions to the current portfolio and emphasizes the importance of protecting everything covered, including a power of attorney and a will. The customer is advised to email the advice document and to let them know when they can discuss the process."},"intents":{"segments":[{"text":"I had you booked in just to update your statement of advice for now. Is now still a good time there for you? Yeah.","start_word":25,"end_word":48,"intents":[{"intent":"Update statement of advice","confidence_score":0.22984378}]},{"text":"Just doing the review of my super stuff, so I'll just check the phone speaker. Alrighty.","start_word":323,"end_word":338,"intents":[{"intent":"Review super stuff","confidence_score":0.5591594},{"intent":"Proceed with review","confidence_score":0.003823169}]},{"text":"You're happy for me to continue with everything? Yeah.","start_word":369,"end_word":377,"intents":[{"intent":"Continue with everything","confidence_score":0.85945123}]},{"text":"Now when that comes through, there is a button that says sign. I don't ever want you to sign anything you haven't read, but you just click the button so it allows you to go through to the next page. Yeah.","start_word":387,"end_word":427,"intents":[{"intent":"Use button to sign","confidence_score":0.00009992122}]},{"text":"So the first page there, Nick, it has down that the advice document has been prepared for yourself as of the 04/21/2026 of today's date. Now all of our advice documents are valid for sixty days. However, if you do just sign outside of that sixty days, we just need to go through and make sure there's no changes to your circumstances. Mhmm.","start_word":445,"end_word":507,"intents":[{"intent":"Use advice document","confidence_score":0.51300114}]},{"text":"What I'll do is I'll direct you to the main sections to run you through the advice, and then I'll let you go back and have a read for a read of it as well. Okay? Sounds good.","start_word":581,"end_word":618,"intents":[{"intent":"Guide to sections","confidence_score":0.17280108}]},{"text":"Now if you can scroll down to page number 19 for me there, Alright. it should have the heading investment. Yep. Beautiful. So with this advice document, the main part of it is around the superannuation side of things. So we are gonna have to retain QSuper for the moment.","start_word":620,"end_word":669,"intents":[{"intent":"Scroll down to page 19, Retain qsuper","confidence_score":0.042846877}]},{"text":"So some of the other investments have done really well, so we can actually offset some of the the losses made by Benelong to rebalance your portfolio and to minimize as much of the capital gains consequences as possible. Okay?","start_word":844,"end_word":883,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.21370623}]},{"text":"We wanna cement some of those gains so that we can have that spread across the other areas of your portfolio and just bring your rebalancing back a little bit by having too much physical gold as it is a growth investment. Like some of your other growth investments, if you stay overweighted, you end up taking on a little bit too much risk. And in the current Yeah.","start_word":1045,"end_word":1113,"intents":[{"intent":"Maximize portfolio investments","confidence_score":0.010817168}]},{"text":"of looked at the way you were within q super and hub twenty four, it was a little bit overweighted there, and having the one investment can also make it a bit cheaper for you. So when we looked at the high growth within q super versus what we're moving you into and rebalancing to within hub twenty four, it all worked out quite even there for you. Okay? Yeah.","start_word":1452,"end_word":1521,"intents":[{"intent":"Address financial concerns","confidence_score":0.0009997992}]},{"text":"So the current portfolio has averaged about 12.57% when we look at the way we're rebalancing and by removing Van Along and the the bank hybrids there, you can see the newer portfolio has averaged a much higher three year rolling average. Okay? Yep.","start_word":1722,"end_word":1765,"intents":[{"intent":"Rebalancing portfolio","confidence_score":0.5959328}]},{"text":"On the next page, even with no additional contributions going in, you can sort of see over the next five to ten years if the portfolio was able to get what had over the past three years, you can sort of see yourself in a much greater position moving forward, which is kind of why we've gone forward that recommendation for you. Okay.","start_word":1766,"end_word":1828,"intents":[{"intent":"Advise portfolio management","confidence_score":0.0007281413}]},{"text":"On the next page, even with no additional contributions going in, you can sort of see over the next five to ten years if the portfolio was able to get what had over the past three years, you can sort of see yourself in a much greater position moving forward, which is kind of why we've gone forward that recommendation for you. Okay. Yeah.","start_word":1766,"end_word":1829,"intents":[{"intent":"Recommend portfolio changes","confidence_score":0.50313514}]},{"text":"So your super fund, just like yourself, does a tax return every year. And so we've done the research to show that with all the changes that we are making there, we do estimate the CGT consequences for your super fund is about $278. So your super fund will pay that in CGT. Okay? Mhmm.","start_word":1888,"end_word":1942,"intents":[{"intent":"Calculate ctg consequences","confidence_score":0.0025355613}]},{"text":"gonna organize an opt in letter to send to them.","start_word":2027,"end_word":2036,"intents":[{"intent":"Send opt in letter","confidence_score":0.15100789}]},{"text":"There's essentially no real changes to sorry. No real changes to the insurance in any way, shape, or form at the moment.","start_word":2156,"end_word":2177,"intents":[{"intent":"Highlight benefits of insurance","confidence_score":0.00009738051}]},{"text":"There's essentially no real changes to sorry. No real changes to the insurance in any way, shape, or form at the moment. However, that down the track can change. When you have that change in circumstances, let me know. We'll happily make time to have a bit of a chat and see what we can do and update the advice for you moving forward. Okay? Awesome.","start_word":2156,"end_word":2221,"intents":[{"intent":"Discuss impact of changes","confidence_score":0.0015912948}]},{"text":"We'll happily make time to have a bit of a chat and see what we can do and update the advice for you moving forward. Okay? Awesome.","start_word":2195,"end_word":2221,"intents":[{"intent":"Update advice","confidence_score":0.021013109}]},{"text":"So the first So table the first there does show that we're retaining your life, your TPD, and income protection within q super and the current premium that you're paying for that one.","start_word":2382,"end_word":2414,"intents":[{"intent":"Reassure tpd and income protection","confidence_score":0.0019353965},{"intent":"Recommend holding tpd and income protection","confidence_score":0.1766862}]},{"text":"We wanted to see what maybe two years worth of income based on the $70,000 income might look like for trauma, and this is essentially what it looks like. It would be about $34.77 out of pocket.","start_word":2482,"end_word":2518,"intents":[{"intent":"Clarify cost and coverage for trauma","confidence_score":0.0000014151295}]},{"text":"ClearView is actually one of the better policies to go with. The main sort of reason I went with ClearView on this is that it whilst it didn't have the highest score for features and benefits, it actually did have the lowest cost, which was kind of really important for you.","start_word":2875,"end_word":2925,"intents":[{"intent":"Explain clearview","confidence_score":0.030160157}]},{"text":"The main sort of reason I went with ClearView on this is that it whilst it didn't have the highest score for features and benefits, it actually did have the lowest cost, which was kind of really important for you. And when you look at the funeral benefit, they actually pay out the highest funeral benefit. They generally allow you to draw down the funeral benefit at a an amount of 25,000, which is one of the highest ones out there, which is pretty Yeah.","start_word":2886,"end_word":2970,"intents":[{"intent":"Explain clearview policy","confidence_score":0.043896843},{"intent":"Explain clearview policy","confidence_score":0.06654972}]},{"text":"And when you look at the funeral benefit, they actually pay out the highest funeral benefit. They generally allow you to draw down the funeral benefit at a an amount of 25,000, which is one of the highest ones out there, which is pretty Yeah.","start_word":2926,"end_word":2970,"intents":[{"intent":"Provide funeral benefits","confidence_score":0.0004151878}]},{"text":"But now it's all good. Let you Okay.","start_word":3050,"end_word":3057,"intents":[{"intent":"Express gratitude for assistance","confidence_score":0.00016971878}]},{"text":"You can go back, have a look at them, read them over. Let me know if you do have any additional questions there, and we can always, you know, come back and reassess it.","start_word":3129,"end_word":3162,"intents":[{"intent":"Reassess document","confidence_score":0.098109744}]},{"text":"We can come back and review that down the track. Okay?","start_word":3233,"end_word":3243,"intents":[{"intent":"Review recommendations","confidence_score":0.14245975}]},{"text":"So you can still apply for these when you're unemployed, and there's no sort of detriment to doing so.","start_word":3337,"end_word":3355,"intents":[{"intent":"Apply for coverage","confidence_score":0.014754091}]},{"text":"It's just about making sure the cost, because it does have to be Yeah.","start_word":3356,"end_word":3369,"intents":[{"intent":"Ensure cost","confidence_score":0.09103367}]},{"text":"So we did sort of talk about what you wanted to happen to your beneficiaries, just making sure that in the event that something was to happen, that your life cover and your super was distributed where you wanted it to go to. Essentially, Yeah.","start_word":3414,"end_word":3458,"intents":[{"intent":"Ensure beneficiary distribution","confidence_score":0.01963083}]},{"text":"a ballot will in place is really important to protect everything that you've worked so hard for. Okay?","start_word":3957,"end_word":3974,"intents":[{"intent":"Propose putting a ballot in place","confidence_score":0.000259716}]},{"text":"And the other thing that we do make a recommendation on is the power of attorney as well.","start_word":3976,"end_word":3993,"intents":[{"intent":"Recommend a power of attorney","confidence_score":0.08179234}]},{"text":"So seeing a solicitor and having a power of attorney set up, generally enduring power of attorney. That way, if something was to happen to yourself and you weren't able to make medical or financial decisions, that someone understands what your decisions are, that they know what your wishes are, and they can follow your direction and ask in your best interest for you.","start_word":4074,"end_word":4137,"intents":[{"intent":"Appoint a solicitor or power of attorney","confidence_score":0.000030424868}]},{"text":"It does cost a little bit more, but in my book, it's always been an investment in yourself and making sure you're protecting everything that you've just worked so hard for. Yeah.","start_word":4171,"end_word":4202,"intents":[{"intent":"Ensure a good deal","confidence_score":0.000010836494}]},{"text":"The advice has been provided completely complimentary because you're an ongoing service client. You do pay the ongoing service fee for our services. It is 1.65% per annum. It is calculated and deducted from super in a smaller monthly increment, and that's by providing the advice, updating everything for you, and making sure that we keep you on track.","start_word":4277,"end_word":4335,"intents":[{"intent":"Provide advice","confidence_score":0.38496524}]},{"text":"So whether it be cash flow budgeting, if you need help dealing with central income, very good at that, unfortunately.","start_word":4475,"end_word":4494,"intents":[{"intent":"Assist with budgeting","confidence_score":0.006086851}]},{"text":"It's paid by the insurer. It is Yes. standard across the board, but I like to disclose it, and it is noted in the document down there on page 44 for you.","start_word":4860,"end_word":4891,"intents":[{"intent":"Disclose insurance coverage","confidence_score":0.0027926106}]}]},"sentiments":{"segments":[{"text":"Nick speaking. Hi, Nick. It's Dana from Ogi Financial. How are you today? Yeah.","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.18513816595077515},{"text":"Doing well. Yourself? I'm very well. Thank you. Thanks for asking.","start_word":14,"end_word":24,"sentiment":"positive","sentiment_score":0.5762032866477966},{"text":"I had you booked in just to update your statement of advice for now. Is now still a good time there for you? Yeah. Yeah. Now it's Yep.","start_word":25,"end_word":52,"sentiment":"neutral","sentiment_score":0.22867463529109955},{"text":"Oh, fantastic.","start_word":53,"end_word":54,"sentiment":"positive","sentiment_score":0.627633273601532},{"text":"Before we jump into the call, Nick, I just have to let you know we do record our calls for quality and training purposes. Are you happy good. for me to proceed with that? Yeah. That's fine.","start_word":55,"end_word":91,"sentiment":"neutral","sentiment_score":0.18172147870063785},{"text":"Lovely.","start_word":92,"end_word":92,"sentiment":"positive","sentiment_score":0.5405193567276001},{"text":"And just to do security there with you as well, I just got you confirm your full name, your date of birth, and address I should have on file for you. Yep. Nicholas Peter Haines, 01/11/1985, and 25 Tree Side Court, Caboolture.","start_word":93,"end_word":134,"sentiment":"neutral","sentiment_score":0.12968169152736664},{"text":"Beautiful. Thank you so much for that.","start_word":135,"end_word":141,"sentiment":"positive","sentiment_score":0.5358598828315735},{"text":"How's everything been? I know we spoke about two weeks ago there, but how's everything been since we spoke? How's the job hunting going? Yeah. It's still looking. Yeah. Nothing too exciting yet, but Yeah. hopefully Yeah. Oh, well, we'll keep our fingers crossed for you, and we'll definitely make sure we catch up. I've updated soon. the advice just to reflect your current circumstances. And, look, when you get a new job, let me know, and we'll definitely come back and reassess the advice again. There's no limit to Yep. how many advice documents I can do in a year. It's whenever your life changes, whenever your goals change, I will Cool. go through and update those advice documents for you. Okay? Yeah.","start_word":142,"end_word":265,"sentiment":"neutral","sentiment_score":0.12303529679775238},{"text":"Beautiful.","start_word":266,"end_word":266,"sentiment":"positive","sentiment_score":0.3776044249534607},{"text":"Now I'm just I'm just gonna send this one through to you via Otis, I'm gonna see your email. Are you able to jump into your emails there at all? Yeah. I will be able to. One Yep. sec. The girlfriend's just getting back in the car, so I'll just tell her. That that's okay. Just doing the review of my super stuff, so I'll just check the phone speaker. Alrighty. So, yeah, I'll be able to ax oh, there it is. There we go.","start_word":267,"end_word":351,"sentiment":"neutral","sentiment_score":0.12290754081571804},{"text":"Beautiful.","start_word":352,"end_word":352,"sentiment":"positive","sentiment_score":0.5692324042320251},{"text":"There we Now go. you Different may you agent. may have mentioned that you're on speaker.","start_word":353,"end_word":368,"sentiment":"neutral","sentiment_score":0.11686736345291138},{"text":"You're happy for me to continue with everything?","start_word":369,"end_word":376,"sentiment":"positive","sentiment_score":0.36645838618278503},{"text":"Yeah. That's fine. Yep.","start_word":377,"end_word":380,"sentiment":"neutral","sentiment_score":0.2503405511379242},{"text":"Just Beautiful.","start_word":381,"end_word":382,"sentiment":"positive","sentiment_score":0.4984392523765564},{"text":"a minute.","start_word":383,"end_word":384,"sentiment":"neutral","sentiment_score":0.32999059557914734},{"text":"Excellent.","start_word":385,"end_word":385,"sentiment":"positive","sentiment_score":0.4769870638847351},{"text":"Okay. Now when that comes through, there is a button that says sign. I don't ever want you to sign anything you haven't read, but you just click the button so it allows you to go through to the next page. Yeah. I Alternatively, put it out the there are mail. some links from the bottom.","start_word":386,"end_word":441,"sentiment":"neutral","sentiment_score":0.01779117062687874},{"text":"Oh, beautiful. Beautiful.","start_word":442,"end_word":444,"sentiment":"positive","sentiment_score":0.391981840133667},{"text":"So the first page there, Nick, it has down that the advice document has been prepared for yourself as of the 04/21/2026 of today's date. Now all of our advice documents are valid for sixty days. However, if you do just sign outside of that sixty days, we just need to go through and make sure there's no changes to your circumstances. Mhmm. The document has been prepared by myself, Dana Taylor, and my authorized representative number registered with ASIC Yep. is 1304394. Okay.","start_word":445,"end_word":528,"sentiment":"neutral","sentiment_score":0.04450332373380661},{"text":"Fantastic.","start_word":529,"end_word":529,"sentiment":"positive","sentiment_score":0.4992566704750061},{"text":"Now to make this a bit easier, I will let you go back and have a really good read of the document later. Feel free to have a look at all the information there for you and all your advantages, disadvantages, and risks involved because there are quite a few pages. What I'll do is I'll direct you to the main sections to run you through the advice, and then I'll let you go back and have a read for a read of it as well. Okay?","start_word":530,"end_word":616,"sentiment":"neutral","sentiment_score":0.177363321185112},{"text":"Sounds good. Beautiful.","start_word":617,"end_word":619,"sentiment":"positive","sentiment_score":0.4153102934360504},{"text":"Now if you can scroll down to page number 19 for me there, Alright. it should have the heading investment. Yep. Beautiful. So with this advice document, the main part of it is around the superannuation side of things. So we are gonna have to retain QSuper for the moment. Just because of the change in your employment status means we wanna keep that that TPD and the income protection component attached. This has been unemployed at the moment. We're not able to apply for new disability cover, so we wanna keep that for the moment. And then when you are do get your new role, then we can look at maybe consolidating things over for you. Okay? Yeah. But to help you in meeting your goals and working forward for the moment, we're gonna retain the q super and the hub twenty four account. I've reviewed both them.","start_word":620,"end_word":768,"sentiment":"neutral","sentiment_score":0.040966443417456325},{"text":"Q super is still perfectly great as an investment, and hub twenty four is still working really well for you.","start_word":769,"end_word":788,"sentiment":"positive","sentiment_score":0.742449164390564},{"text":"We are, Cool. however, gonna make some changes to the investment portfolio. So as we kinda spoke about last time, Benelong Australian Equities has been underperforming significantly. So we are removing that investment completely out of your portfolio, and then just Yep. doing a bit more of a rebalance of things for you as well. So some of the other investments have done really well, so we can actually offset some of the the losses made by Benelong to rebalance your portfolio and to minimize as much of the capital gains consequences as possible. Okay? Sure. So we're gonna look at with the battery and lithium tech, they're just rebalancing it back to about 7%. You're a bit overweighted there at the moment. With the bank hybrids, they are being phased out in the future. So we're gonna sell those off completely and move the funds into the core composite bonds so that one's just a little bit lower, the IAF investment. We'll Yep. be buying into that 20% for that. That's more of a a defensive investment. It looks at both government and corporate bonds. It also has debt and also looks at diversification across different countries with credit notes and things like that.","start_word":789,"end_word":993,"sentiment":"neutral","sentiment_score":0.009858127683401108},{"text":"So it is a really good defensive investment, good for cash producing.","start_word":994,"end_word":1005,"sentiment":"positive","sentiment_score":0.4870926141738891},{"text":"They pay dividends on a regular basis as well. Yep. We're also going to look at rebalancing the physical gold.","start_word":1006,"end_word":1025,"sentiment":"neutral","sentiment_score":0.17894719541072843},{"text":"The physical gold has done extremely well over the last twelve months and has seen some really good gains. We wanna cement some of those gains so that we can have that spread across the other areas of your portfolio and just bring your rebalancing back a little bit by having too much physical gold as it is a growth investment.","start_word":1026,"end_word":1086,"sentiment":"positive","sentiment_score":0.4369904398918152},{"text":"Like some of your other growth investments, if you stay overweighted, you end up taking on a little bit too much risk. And in the current Yeah. climate, we don't wanna be overexposing you to risk. Okay?","start_word":1087,"end_word":1123,"sentiment":"neutral","sentiment_score":-0.13989998400211334},{"text":"Excellent.","start_word":1124,"end_word":1124,"sentiment":"positive","sentiment_score":0.40749746561050415},{"text":"So we've also got the cybersecurity in there. So we're adding so you've got a 6.6% there. We'll be it's just selling a little bit and sort of rebalancing it back a little bit there.","start_word":1125,"end_word":1159,"sentiment":"neutral","sentiment_score":0.163623109459877},{"text":"The s and p five hundred has been doing quite well.","start_word":1160,"end_word":1170,"sentiment":"positive","sentiment_score":0.37452977895736694},{"text":"I know it's been a bit up and down at the moment, but it has still seen a really good gain. So we are just gonna rebalance it back a little bit to 25% there. And then the so the Rafi a 200, we'll be rebalancing that back to about 15% as well. Yeah. We'll be buying in a bit more of the VanEck Australian properties, a bit underweighted at the moment, increasing that component. And instead of having the Benelon Australian equities, we're gonna buy into the BetaShares a 200. The BetaShares a 200 still gives you access to the top 200 companies in Australia, so it's still giving you access to Australian equities.","start_word":1171,"end_word":1285,"sentiment":"neutral","sentiment_score":0.17678499221801758},{"text":"It's Yep. just gonna be a little bit cheaper, and it's more of a passively managed investment, which is fantastic. And it's actually cheaper, so it saves you a bit in fees, which is important.","start_word":1286,"end_word":1320,"sentiment":"positive","sentiment_score":0.4811713993549347},{"text":"Okay? Yeah.","start_word":1321,"end_word":1322,"sentiment":"neutral","sentiment_score":0.24103732407093048},{"text":"Beautiful. Excellent.","start_word":1323,"end_word":1324,"sentiment":"positive","sentiment_score":0.5722432136535645},{"text":"Now when we had a look at your portfolio together because when we look at the way you waited between hub four and q super, we look at those together. We wanna make sure that between the two accounts, you're not overweighted. When I had a look at all that for you, it actually did show that with the two funds, you were a little bit overweighted there. So what we're gonna do is we're gonna sorta also just remove the balanced investment within your q super and keep the high growth investment. So between the two funds, you're sitting at that right at the right amount of, you know, risk versus defensive and growth allocation in that growth kind of portfolio. Because when we kind Yeah. of looked at the way you were within q super and hub twenty four, it was a little bit overweighted there, and having the one investment can also make it a bit cheaper for you. So when we looked at the high growth within q super versus what we're moving you into and rebalancing to within hub twenty four, it all worked out quite even there for you. Okay?","start_word":1325,"end_word":1520,"sentiment":"neutral","sentiment_score":0.10020879542036933},{"text":"Yeah. Cool. Perfect.","start_word":1521,"end_word":1523,"sentiment":"positive","sentiment_score":0.5298624038696289},{"text":"So on the next page there, you'll see we do have to hold a certain amount of cash within hub twenty four. It's 1.25%. So, essentially, we'll just see reducing your cash balance there a little bit. Okay? Yeah. Yep. If you scroll down to page number 22 for me, this is the fee comparison table. This sort of shows you the recommendation there. Okay. Page 24. 22. So sorry. It Thank says you. fee comparison at the top. Yeah. Yep. Got it there. You got that?","start_word":1524,"end_word":1610,"sentiment":"neutral","sentiment_score":0.1261669397354126},{"text":"Perfect.","start_word":1611,"end_word":1611,"sentiment":"positive","sentiment_score":0.43259090185165405},{"text":"Now this this sort of shows the current versus the recommended of what we're moment, you've got your two funds with the two balances between it there, and you've also got your administration fees, investment fees, any other fees applicable to the funds, the adviser service fee for us looking after everything. I've taken out contributions to make this more of a realistic projection. So whilst you're Uh-huh. still actively looking for work, I didn't wanna kinda overproject and give you something was unachievable. So I've left Yeah. it with no contributions currently for you and then your insurance premiums in there, which will stay within q super. Okay? Yeah.","start_word":1612,"end_word":1721,"sentiment":"neutral","sentiment_score":0.06699607893824577},{"text":"So the current portfolio has averaged about 12.57% when we look at the way we're rebalancing and by removing Van Along and the the bank hybrids there, you can see the newer portfolio has averaged a much higher three year rolling average.","start_word":1722,"end_word":1763,"sentiment":"positive","sentiment_score":0.3426266014575958},{"text":"Okay?","start_word":1764,"end_word":1764,"sentiment":"neutral","sentiment_score":0.2701505124568939},{"text":"Yep. On the next page, even with no additional contributions going in, you can sort of see over the next five to ten years if the portfolio was able to get what had over the past three years, you can sort of see yourself in a much greater position moving forward, which is kind of why we've gone forward that recommendation for you.","start_word":1765,"end_word":1827,"sentiment":"positive","sentiment_score":0.5197681188583374},{"text":"Okay.","start_word":1828,"end_word":1828,"sentiment":"neutral","sentiment_score":0.2499796152114868},{"text":"Yeah. Cool. Yeah. All good.","start_word":1829,"end_word":1833,"sentiment":"positive","sentiment_score":0.4943802058696747},{"text":"It's been really important to note that when we sort of look at the fee structure, whenever we're making changes to your portfolio, there is a difference to account for. So we do estimate, and you'll see in the differences column on that fee table there, the $278, that's essentially the Yep. CGT consequences. So your super fund, just like yourself, does a tax return every year. And so we've done the research to show that with all the changes that we are making there, we do estimate the CGT consequences for your super fund is about $278. So your super fund will pay that in CGT. Okay? Mhmm. With the administration fee, we are also recommending there that we're rolling over some money out of QSuper. Obviously, keeping as much money in hub twenty four in the better performing portfolio is really important. But because you're not working at the moment, I am increasing the amount that we're gonna leave behind. So I do wanna Yeah. leave 15,000 in q super. That's make sure you've got a higher balance than the minimum required to keep your insurances in place. I'm also Yeah. gonna organize an opt in letter to send to them. That way we can make sure that, you know, if you're off work for an extended period of time, that the opt in form protects your insurances as a secondary measure for you.","start_word":1834,"end_word":2069,"sentiment":"neutral","sentiment_score":0.09426796232681658},{"text":"And then anything over that 15,000 can be rolled into Hub twenty four so it's invested nice and easily in that portfolio.","start_word":2070,"end_word":2091,"sentiment":"positive","sentiment_score":0.4313429296016693},{"text":"Sorry. By moving money into Hub twenty four, we do know there is gonna be an increase in the administration fees. However, when you look at the investment fees, by making the changes to the portfolio, we're actually saving about $448 in investment fees.","start_word":2092,"end_word":2135,"sentiment":"neutral","sentiment_score":0.14009371399879456},{"text":"So it's a pretty big savings, an increase Yeah.","start_word":2136,"end_word":2144,"sentiment":"positive","sentiment_score":0.34222152829170227},{"text":"in the admin fees by about $91. So yeah.","start_word":2145,"end_word":2153,"sentiment":"neutral","sentiment_score":0.2207355499267578},{"text":"All good.","start_word":2154,"end_word":2155,"sentiment":"positive","sentiment_score":0.525314211845398},{"text":"There's essentially no real changes to sorry. No real changes to the insurance in any way, shape, or form at the moment. However, that down the track can change. When you have that change in circumstances, let me know.","start_word":2156,"end_word":2194,"sentiment":"neutral","sentiment_score":0.013179562985897064},{"text":"We'll happily make time to have a bit of a chat and see what we can do and update the advice for you moving forward.","start_word":2195,"end_word":2219,"sentiment":"positive","sentiment_score":0.3869733512401581},{"text":"Okay?","start_word":2220,"end_word":2220,"sentiment":"neutral","sentiment_score":0.2531224489212036},{"text":"Awesome.","start_word":2221,"end_word":2221,"sentiment":"positive","sentiment_score":0.5731508731842041},{"text":"Yep.","start_word":2222,"end_word":2222,"sentiment":"neutral","sentiment_score":0.3314841687679291},{"text":"All good.","start_word":2223,"end_word":2224,"sentiment":"positive","sentiment_score":0.4474979639053345},{"text":"Do you have any questions so far at all? No. That's pretty good. Alright.","start_word":2225,"end_word":2238,"sentiment":"neutral","sentiment_score":0.15427009761333466},{"text":"Perfect.","start_word":2239,"end_word":2239,"sentiment":"positive","sentiment_score":0.4242675304412842},{"text":"Perfect. So sorry. The You're next alright. page, if it keeps going down, is the insurance section. So on page number 24. So we did talk about how we're not able to apply for disability covers for TBD or income protection at the moment, so we wanna do hold off on that. However, we can look to increase your life if you wanted to and also the trauma. So we did talk about applying for trauma cover. Life cover and trauma aren't necessarily underwritten by occupation, so they're a lot easier to apply for when you're not working. I wanted to include this in the advice document to show you the recommendation. However, it does come down to your budget and what you're comfortable with. And if you decide not to take forward this insurance recommendation, that's absolutely fine. Okay? Yeah. So the first So table the first there does show that we're retaining your life, your TPD, and income protection within q super and the current premium that you're paying for that one. If you go down to the next page there, I am making a recommendation that we do apply for two years of income with Clearview to be held outside of super, and this is the trauma policy.","start_word":2240,"end_word":2450,"sentiment":"neutral","sentiment_score":0.042465787338450446},{"text":"I'm linking a bit of life to the trauma policy because it actually makes the policy cheaper.","start_word":2451,"end_word":2467,"sentiment":"positive","sentiment_score":0.3555411100387573},{"text":"But we wanted to when we spoke last time, we talked about the insurances. We wanted to see what maybe two years worth of income based on the $70,000 income might look like for trauma, and this is essentially what it looks like. It would be about $34.77 out of pocket. And trauma covers you for things like a heart attack, a stroke, certain neurological conditions. We can't pay for trauma inside, so it is an out of pocket cost. So it does come down to your expenditure at the moment whether you could afford to do that or not. I'm fine either way. We can always revisit this down the track, but I didn't wanna just just take this out of the recommendations. I figured I could show you what it looks like and let you kinda decide what your budget will allow you to do. Okay? Yep.","start_word":2468,"end_word":2616,"sentiment":"neutral","sentiment_score":0.08512290567159653},{"text":"The reason I've attached a bit of life to this is that, a, it does make the policy cheaper. You get a multi policy discount, but it also means that you're getting a little bit of extra life in the event that something was to happen.","start_word":2617,"end_word":2662,"sentiment":"positive","sentiment_score":0.4336453378200531},{"text":"So if you were to pass away, your life policy in q super pays out, which is currently a sum insured of 500,000.","start_word":2663,"end_word":2685,"sentiment":"neutral","sentiment_score":0.29182878136634827},{"text":"But it also means that your super benefit is paid out, and then you can also get this 140 on top of that.","start_word":2686,"end_word":2708,"sentiment":"positive","sentiment_score":0.3961888551712036},{"text":"The other Okay. advantage to this is that with life policies held outside of super, your family and your beneficiaries can actually also claim a funeral benefit, which is an upfront out of upfront cost. Generally, it can be expected 15 to 25,000 depending on the insurer that you're with, And that Yeah. is paid within twenty four hours so your family can cover the cost of your funeral.","start_word":2709,"end_word":2777,"sentiment":"neutral","sentiment_score":0.19715627142484635},{"text":"This is something that's not available to life policies inside so far.","start_word":2778,"end_word":2789,"sentiment":"negative","sentiment_score":-0.337554007768631},{"text":"So I Okay. did wanna kind of add this in here for you just to show you what it looks like and the monthly cost involved, and then Yep. you can let me know whether or not you're able to afford this. If you choose not to, it's absolutely okay. We are you'll get work in the next few months, and we'll reevaluate it, and we can always make the recommendation and update the recommendation then for you as well. Okay? Yep. Yep.","start_word":2790,"end_word":2872,"sentiment":"neutral","sentiment_score":0.11792457103729248},{"text":"Yeah. Beautiful. ClearView is actually one of the better policies to go with. The main sort of reason I went with ClearView on this is that it whilst it didn't have the highest score for features and benefits, it actually did have the lowest cost, which was kind of really important for you.","start_word":2873,"end_word":2925,"sentiment":"positive","sentiment_score":0.40165188908576965},{"text":"And when you look at the funeral benefit, they actually pay out the highest funeral benefit. They generally allow you to draw down the funeral benefit at a an amount of 25,000, which is one of the highest ones out there, which is pretty Yeah. cool.","start_word":2926,"end_word":2971,"sentiment":"neutral","sentiment_score":0.15643921494483948},{"text":"Well It's pretty nice funeral.","start_word":2972,"end_word":2976,"sentiment":"positive","sentiment_score":0.4843022525310517},{"text":"okay. And $34.77 a month really isn't that bad, is it? It's really not. It's really not. So when you kinda break that down even further, depending on sort of how you work your budget at, if you looked at it on a weekly basis sorry. So $34.77. It works with a bit of $8.69 on a weekly basis, which is pretty minimal to get a $140,000 benefit of life and trauma. Yeah. But now it's all good. Let you Okay. I'll let you take that one back. Have a bit of a Yeah. think about it. Have a Look think at on what that you've one. got. Yep. Absolutely. As I sort of mentioned, I don't want this to be you have to take this. This is this recommendation. So I'll I'm showing you what we're recommending, how and why. You've got the advantages, disadvantages, and the risks involved in there. You can go back, have a look at them, read them over. Let me know if you do have any additional questions there, and we can always, you know, come back and reassess it. On the last Yeah. page of the document, you've actually got a line, and there's a text box there. So you can write in that text box anything that you're not wanting to take on board. So you just, you know, if you're not wanting to take the insurances, you just make a note to say that you don't wish to take the insurance recommendations now, and that's absolutely fine. We can come back and review that down the track. Okay? Yeah. Cool. Okay. Yeah.","start_word":2977,"end_word":3247,"sentiment":"neutral","sentiment_score":-0.009843871602273076},{"text":"All good.","start_word":3248,"end_word":3249,"sentiment":"positive","sentiment_score":0.34793609380722046},{"text":"But, yeah, look, that's essentially the recommendation for life and trauma, giving you a bit of trauma and a bit of life cover there. And this sort of works with your budget. It's in best interest because when we talked about it, you were sorta in between roles. So we looked at calculating two years income based on that 70,000 per annum, so it lands at a 140,000. And the good thing about life and trauma is they're not underwritten with regard to your occupation at all. So you can still apply for these when you're unemployed, and there's no sort of detriment to doing so. It's just about making sure the cost, because it does have to be Yeah. out of pocket, that you're able and comfortable with that out of pocket expense at the moment. Okay? Yeah. Gotcha. Yeah.","start_word":3250,"end_word":3390,"sentiment":"neutral","sentiment_score":0.19123630225658417},{"text":"All good.","start_word":3391,"end_word":3392,"sentiment":"positive","sentiment_score":0.4431952238082886},{"text":"Essentially, that's most of the advice there. The only other part on page number 32 is the beneficiary side of things. So we did sort of talk about what you wanted to happen to your beneficiaries, just making sure that in the event that something was to happen, that your life cover and your super was distributed where you wanted it to go to. Essentially, Yeah. you mentioned that you wanted it to be paid to your brother in the event that something happened. So under this this act, your brother doesn't meet the condition to be a beneficiary. So what I've recommended is that you take the legal personal representative on both of your super funds and your life cover and the nuclear view policy if you decide to take that. And that means that in the event of passing, the benefit gets paid to your estate, and then you just need to make sure you have a valid will as updated that reflects your wishes moving forward. Okay. Okay. Yeah. Yeah. Do you have any questions so far at all? No. That's pretty good. No? All good. You'll see the nomination type there is binding, nonlapsing. Essentially, Yep. when we look at beneficiary nominations, they do have several different nomination types. They have nonbinding, which essentially means that you're making a decision on what you want to happen, but the trustee makes the final decision. Binding lapsing, which means that you've found the trustee to follow your direction, but you have to refill that document out every three years, or you can have a binding nonlapsing, which is what we're recommending for you, which binds the trustee to follow your direction. But nonlapsing means that you don't have to update that nomination again unless there's a change to what you want what you want on your nomination. So it just stays in place until you revoke it. Yeah. Yeah.","start_word":3393,"end_word":3713,"sentiment":"neutral","sentiment_score":0.09933586474333968},{"text":"Yeah. All good. That's the best way to make the nomination. Having a will in place is really important as well and just making sure that will is updated to reflect your wishes.","start_word":3714,"end_word":3746,"sentiment":"positive","sentiment_score":0.5465973615646362},{"text":"We can we, as advisers, don't do wills. We're not solicitors. However, we can always refer you through to a solicitor, and we can always send out an email with some information on a local solicitor who also does things by email and phone.","start_word":3747,"end_word":3790,"sentiment":"neutral","sentiment_score":0.13828641176223755},{"text":"And they're actually pretty well priced.","start_word":3791,"end_word":3796,"sentiment":"positive","sentiment_score":0.6451087594032288},{"text":"We can send out a bit of a costing on what it costs to do up a will, but making sure everything you've worked hard for, your home and your contents and your cars and your savings accounts is all kind of distributed as per your wishes. Having worked in this industry for a while, I've seen, unfortunately, estate's so bad where, you know, someone's got no will in place.","start_word":3797,"end_word":3866,"sentiment":"neutral","sentiment_score":0.03324112668633461},{"text":"Everything gets paid into your estate. It goes through probate, and it doesn't automatically go to your spouse or your brother or your mom. It's other people can come out and make a claim on the estate.","start_word":3867,"end_word":3903,"sentiment":"negative","sentiment_score":-0.4380173981189728},{"text":"And it all comes down to a judge and what he thinks and where things should go. He utilizes legislation as a guide, but I've seen family members or, you know, relatives who the persons have spoken to for years and years who actually get a piece of the pie. So having Yeah. a ballot will in place is really important to protect everything that you've worked so hard for. Okay? Yeah. And the other thing that we do make a recommendation on is the power of attorney as well. So making sure that you've got a power of attorney. You can have three different types, a general power of attorney, which appoint someone to make financial and legal decisions for you for a specified period of time, works really well if you're going overseas. Enduring power of attorney is one where you appoint someone to make legal and or financial decisions for you if you lose capacity, or a medical power of attorney, which is only for medical decisions. So seeing a solicitor and having a power of attorney set up, generally enduring power of attorney. That way, if something was to happen to yourself and you weren't able to make medical or financial decisions, that someone understands what your decisions are, that they know what your wishes are, and they can follow your direction and ask in your best interest for you. So that's another thing that we do always make a recommendation around. And the same with the will, the solicitors can do a power of attorney and a will all in one. It does cost a little bit more, but in my book, it's always been an investment in yourself and making sure you're protecting everything that you've just worked so hard for. Yeah. Yep. Yeah.","start_word":3904,"end_word":4203,"sentiment":"neutral","sentiment_score":0.10970673059423763},{"text":"All good.","start_word":4204,"end_word":4205,"sentiment":"positive","sentiment_score":0.5063713788986206},{"text":"Yeah. Yeah. If Sorry. if you could email the details through the solicitor Mhmm. so I can have a look at that, that would definitely Yeah. be handy.","start_word":4206,"end_word":4233,"sentiment":"neutral","sentiment_score":0.06105135753750801},{"text":"Perfect. Not a problem at all. I'll get that email out to you very shortly.","start_word":4234,"end_word":4248,"sentiment":"positive","sentiment_score":0.4267227053642273},{"text":"As soon as I get off the phone call, I'll do it up and send it over to you.","start_word":4249,"end_word":4267,"sentiment":"neutral","sentiment_score":0.2844345271587372},{"text":"It's not a problem at all. Beautiful. Excellent. Excellent. The advice has been provided completely complimentary because you're an ongoing service client.","start_word":4268,"end_word":4289,"sentiment":"positive","sentiment_score":0.5333703756332397},{"text":"You do pay the ongoing service fee for our services. It is 1.65% per annum.","start_word":4290,"end_word":4304,"sentiment":"neutral","sentiment_score":0.21770843863487244},{"text":"It is calculated and deducted from super in a smaller monthly increment, and that's by providing the advice, updating everything for you, and making sure that we keep you on track.","start_word":4305,"end_word":4335,"sentiment":"positive","sentiment_score":0.372193306684494},{"text":"As I said before, there's no limit to the advice I can provide. You know, if you ring me next week and go, hey.","start_word":4336,"end_word":4359,"sentiment":"neutral","sentiment_score":0.25059229135513306},{"text":"Good news.","start_word":4360,"end_word":4361,"sentiment":"positive","sentiment_score":0.5026235580444336},{"text":"I've got a job. I'm starting this date. We can talk about the insurances, and I can update the advice for you. I do not mind in any way, shape, or form.","start_word":4362,"end_word":4393,"sentiment":"neutral","sentiment_score":0.26836225390434265},{"text":"My job is to keep you on track and work towards your goals and work in your best interest. So if I'm giving you an advice document every month, it's only gonna benefit you at the end of the day.","start_word":4394,"end_word":4433,"sentiment":"positive","sentiment_score":0.42408624291419983},{"text":"So I just like Yeah. to make sure that you're aware that those services are available to you. We also have mortgage brokers that work with us at no cost to yourself and any other advice that you need as well. So whether it be cash flow budgeting, if you need help dealing with central income, very good at that, unfortunately. If you if you wanted investment advice in other areas and what we can do, we're here to sort of support you in that. And attached to the DocuSign, I've also got our financial services guide, which does list all the areas of advice that we can provide on and does have a whole bunch of information around myself and my licensing as I'm a licensed adviser through ASIC. Okay? Yep.","start_word":4434,"end_word":4565,"sentiment":"neutral","sentiment_score":0.15623802516722318},{"text":"That sounds good. Oh, good.","start_word":4566,"end_word":4570,"sentiment":"positive","sentiment_score":0.4569339454174042},{"text":"One thing that may be handy moving forward so I'm Yes. actually looking at selling my house to my brother's estate. So he's disabled from a car crash when he was two. So his estate's managed by perpetual trustees down in New South Wales. Yep. But, yeah, just to basically ease my process of of trying to repay the mortgage, selling Yep. the property to him, but I'll Yep. be left with about 450,000. So just Okay. what might be the best way to invest that moving forward? Yeah.","start_word":4571,"end_word":4659,"sentiment":"neutral","sentiment_score":0.0758967250585556},{"text":"Absolutely.","start_word":4660,"end_word":4660,"sentiment":"positive","sentiment_score":0.3981099724769592},{"text":"Is that something you're definitely going ahead with and that you're We're we're just waiting on the final word from the trustees down there if yep.","start_word":4661,"end_word":4686,"sentiment":"neutral","sentiment_score":0.2647097706794739},{"text":"they're happy to do it.","start_word":4687,"end_word":4691,"sentiment":"positive","sentiment_score":0.44610396027565},{"text":"Yep. Yeah. Yeah. Absolutely. Not a problem at all. Well, when you give me the go ahead for that one, we'll talk about what your goals are, reassess the risk risk side of things, and look at what you wanna do with that 450, and I'll absolutely do up a new advice document for you. But we'll factor in whether we invested or how we invested or what we do with that money for you. Okay? Yeah.","start_word":4692,"end_word":4768,"sentiment":"neutral","sentiment_score":0.1902585327625275},{"text":"Beautiful. Beautiful. Fantastic.","start_word":4769,"end_word":4771,"sentiment":"positive","sentiment_score":0.6024205684661865},{"text":"Yeah. Just, yeah, shoot me an email or let me know when that happens, and I'll make time straight away to give you a call and have a chat to you about it. It's not an issue Yeah. at all. Code.","start_word":4772,"end_word":4812,"sentiment":"neutral","sentiment_score":0.2094585746526718},{"text":"Perfect. All good.","start_word":4813,"end_word":4815,"sentiment":"positive","sentiment_score":0.5519925355911255},{"text":"The only other thing I do need to let you know is if you decide to take on the recommendation with Clearview there, we do receive remuneration from the insurance companies for them writing a contract for you. It's not paid by you. It's paid by the insurer. It is Yes. standard across the board, but I like to disclose it, and it is noted in the document down there on page 44 for you. So we do receive 66% of the first year's premiums and 22% they're ongoing, But it is really important that it has no effect on my recommendations. My recommendations are made in line with your goals and under our best interest duty, which is part of the corporations at. Yeah. So I don't ever, you know, want you to take the recommendation just for that. If you can't afford it right now or you do not feel it's the right time to take the insurance recommendation, you're welcome to put it off and we can revisit that down the track. I do not mind in any way, shape, or form my work for you. Okay? Yeah.","start_word":4816,"end_word":5006,"sentiment":"neutral","sentiment_score":-0.03335174964984674},{"text":"Beautiful. All good.","start_word":5007,"end_word":5009,"sentiment":"positive","sentiment_score":0.49844589829444885},{"text":"Do you have any questions in relation to any of those recommendations or any part of the advice so far? Or No.","start_word":5010,"end_word":5031,"sentiment":"neutral","sentiment_score":0.0947706326842308},{"text":"That's all looking pretty good.","start_word":5032,"end_word":5036,"sentiment":"positive","sentiment_score":0.34231626987457275},{"text":"I'll yep. definitely just have to have a read through it all a bit better, I think. But yeah. Absolutely. Absolutely. At the at the moment, no questions at least. Yeah. That's fine. If there's anything comes up, let me know.","start_word":5037,"end_word":5077,"sentiment":"neutral","sentiment_score":0.12147827446460724},{"text":"I'm more than happy to go back and rejig anything.","start_word":5078,"end_word":5087,"sentiment":"positive","sentiment_score":0.35380226373672485},{"text":"If you find there's something you want altered or changed or, yeah, if you just have any general questions whatsoever, let me know. I always say there's nothing as a silly question. If it's something you wanna ask, you let me know, and I'll happily answer it. Okay? Yep.","start_word":5088,"end_word":5136,"sentiment":"neutral","sentiment_score":0.1726488173007965},{"text":"Beautiful.","start_word":5137,"end_word":5137,"sentiment":"positive","sentiment_score":0.4336852431297302},{"text":"Well, I'll let you go back to read that, and it can be a little bit hard when I'm still talking at you. So feel free to take some time to read it over and let me know if there's anything you like. And if Yep. you do decide to take those recommendations, just get you to sign and send it back to me. And just leave a note on the last page if you decide not to take the insurance recommendations for the time being. Okay? Yeah. Too easy. Easy.","start_word":5138,"end_word":5228,"sentiment":"neutral","sentiment_score":0.1097445269371127},{"text":"Not a problem at all.","start_word":5229,"end_word":5233,"sentiment":"positive","sentiment_score":0.40845710039138794},{"text":"Is there anything else can help you with at the moment or anything else that you wanted me to look at or research for you while you've got me here at all? No. At the moment, I think that's probably okay. And, yeah, Yep. once we sort out what's happening with the house, I'll I'll be sure to let you know. Yeah.","start_word":5234,"end_word":5295,"sentiment":"neutral","sentiment_score":0.09411368519067764},{"text":"Perfect. Not a problem at all. Well, I'll let you go to have a really good afternoon. I thank you so much for your time today, and I'll catch up with you soon. Awesome. Sounds good. Thank you so much for your time, Nick. I hope you have a great afternoon. Thanks. You too. Thanks. See you later.","start_word":5296,"end_word":5353,"sentiment":"positive","sentiment_score":0.7193167805671692},{"text":"Bye. Bye.","start_word":5354,"end_word":5355,"sentiment":"neutral","sentiment_score":0.26177793741226196}],"average":{"sentiment":"neutral","sentiment_score":0.14553488878837814}}}}