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Is now still a good time? Yep. Fantastic. So you happen to have access to your emails at the moment there as well? If you don't, that's absolutely fine. Yep. That's okay. If you wanted to to make it easier, to stop I mean, you don't have to have to stop around me the phone and and put on speaker if you like. I can just run through the recommendations there for you, and then you can take some time to have a look at them a bit later. Is that more preferable for you, or what yourself? Yeah. That's okay. Not a problem. I know sometimes it can be hard trying to do it on your phone plus listen to what I'm saying and can get a little bit a lot. So it's just easier if I just run through those. I'll try to keep it nice and brief there for you, and then I'll let you go back. And have a really good read of the document, and you can let me know if you do have any questions in the meantime. Okay? Perfect. Now before I jump into the call, I'm just gonna let you know I am gonna email this through to you. We do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. Beautiful. And just to do security there with you as well, I am discussing your personal information. So I'll just confirm your full name, date of birth, and address I should have on file. Yeah. Yep. Yep. Beautiful. Thank you so much. Nicole, last time we touched base, you had were going for a new job. You decided a new role. How's that been going? Are you still in the same role that we spoke about? Yep. Yep. Oh, fantastic. So, so good. You're still enjoying it? Yep. It pays the bills. No. Perfect. All good. Well, with the advice document, this is sort of around last time we spoke. We did wanna have a look at the insurance. If you wanted to increase your life and TCD by a 100,000 and also wanted to have some income protection because you didn't have any before, just giving you a little bit of extra protection in the event you were off work due to illness or injuries. So we have encompassed that for you. I know it has taken a bit longer to get this advice piece ready. We had everything sort of ready to go, but then we have just noticed this year with a lot of what's happening in in the market generally that we wanted to look at making some changes to your portfolio as well. So I kind of went back and did this advice piece to encompass all of that for you because there has been some changes to the market conditions. And because your insurances are paid out of super, it is best to sort of encompass everything together. So I did kinda go back, put everything on hold for the moment after I had everything ready to go. And I was like, look. Let's put it as one document so you can see the whole picture. And that way, it makes it a little bit easier for you. But with what's happening in The US, within the world generally, with the markets going up and down a bit, we have sort of noted with your portfolio there needed to be some changes made. So I wanted to encompass that for you as well. Okay. Beautiful. So with this advice piece, we have scoped into being around superannuation. So one of your goals when we sort of touched base last time was that you are working to hopefully retire around about the age of 60. Your husband's super is the main it was you're sorta gonna live on. You just wanted your super to grow to be something that you could utilize for extras living, extra, like, leisure, sorry, to be able to pull out, to have holidays, and do fun things, and buy new cars, and things like that. So this is kind of a backup for yourself, but you still want it to be working harder and growing for you so you can maximize your retirement. Okay? We also looked at the insurance side of things. As I mentioned, you wanted to increase your life and CBD component by a 100,000 there, and you also wanted to have your income covered, up to 70% of your income, and have a look at income protection there as well. So I have encompassed that for you in the advice document. Areas that we have scoped out. So we're not looking at trauma insurances. When we touched base last year, we sort of talked about what trauma is. It's an out of pocket expense and covers you for sort of a year's worth of living expenses. If you were diagnosed with large traumatic events, you decided not to hold any of that. If you do decide to down the track, let me know. I'm more than happy to do the research around recommending that for you. Your beneficiaries are in place at the moment, and you were very happy with how they were nominated. So we're not scoping anything in with regard to the state planning, but we wanna make sure we review that with you at annual review time as well. And you also discussed that you were sort of looking at maybe in the future having an investment property. It was something that was on the back of your mind, but not so much in your husband's mind. So it is something I've scoped out for now. Down the track, if you guys decide to look at that area, let me know. We can definitely discuss it in more detail for you both. Okay? Beautiful. With this advice document on the front page, when you do look at it, you will note it has been prepared for yourself as of the 04/08/2026. It's insane that this year is flying by so quickly. It has been prepared by myself and my lovely team here at Oakview Financial, and my license number registered is 1304394. Okay? We do like to make sure that we are noting that any advice we do provide is provided under the best interest duty, which is a part of the corporations. That's where we are licensed under section nine of the corporations. That's what's important that we are understanding your goals and objectives and making sure the advice is provided in order to meet those goals and objectives. Under the best interest duty, if we can't meet your goals or the advice is not appropriate, it's important that we are upfront and honest and let you know that as well. Okay? Now with the recommendations there, as we sort of touch base on with the insurance side of things, you do wanna look at increasing your life and TPD by about a 100,000. So at the moment, your current life and TPD benefit is $650,006.06 7. These are paid wholly out of your super funds, and you've got the same amount of TPD as life there. You wanted to increase that a little bit higher, so you would have a sum insured of $750,006.06 7. We have made the recommendation to increase that for you. It doesn't add a huge amount of cost onto the premiums there. The biggest part of any insurance cost is the income protection component. So you actually don't have income protection at the moment and did wanna look at getting some income protection to cover you for up to 70% of your income. Now your income at the time we spoke late last year was about 109,000. Is that still the same, or have you got an increase, or are you due to get an increase? Yep. Okay. No. That's good. I mean, you deserve a higher increase than that. No. That's that's okay. After that twelve month mark, I'll hopefully, they should be putting a lot more out there for you. Perfect. Well, in order to make sure you are covered up to the maximum, so 70% of your current income at a 109,000, I am recommending that you do apply for income protection with the monthly benefit amount of 6,538. We did talk about looking at holding this inside super and outside of super. I am recommending you do hold this policy fully inside super. The premiums are coming out of your super fund and not out of your back pocket. Just to make it a bit easy, the cost of living is extremely high and fuel, even though the excess is being cut, still cuts into our budget pretty significantly. So limiting those out of pocket expenses is really important at the moment there. With the income protection policy, I am recommending a thirty day waiting period. So this means you have to be off work for thirty days prior to making a claim. If you think you're gonna be off that full thirty days, we always suggest let us know straight away so we can at least call and organize the claims forms to be, you know, organized and sent out for you so they can be completed ready for that thirty day cutoff mark. So once that thirty day hits, we submit all the paperwork to the insurer, and we get the claim underway nice and quickly for you. Okay? We're also recommending a two year benefit period. So when we kinda talked about those, you were happy with just a smaller benefit period, hoping that you wouldn't need to be off work for any longer than two years, but also noting that your husband has a good income as well. So it's a bit of a buffer in the event that you're not being able to work in the shortest term there. Okay. With the current insurances, you do only have life and CP at the moment. So your current yearly premium's $521.97 there. By looking at the increase that we are recommending there, it does increase your total premium to $1,693 there. So that's essentially giving you an increase of about $1,158. And majority of that is the income protection there, so all being paid out is super to make it easier on your budget. Okay? The benefits here are that by increasing your life and TPD, you get that extra 100,000 added on there, which is a benefit to you. It means you get more paid out in the event of a claim, which is really important to have, and having that monthly benefit in the in the event that you're unable to work in a shorter term due to illness or injury. The when we do look at increase, obviously, you do have your life on PVD. I am recommending the increase stay with ClearView. I did look at all the other insurers out there and looked at the options for other insurance options. However, ClearView came out to be the best quality mostly because you already have that Clearview policy. So just increasing your life and CBD with Clearview means they're only gonna underwrite that extra 100,000 for the life and CBD and underwrite that new income policy. So if there are any changes to your health from when we last spoke or when we last, were able to go through the application, it does mean that if there are changes to your health or what, you know, there could be loadings or exclusions applied to that increased policy. However, if there are, they would only apply to the increase. They wouldn't be backdated to the the last part of the policy, the policy you currently hold, if that makes sense. Okay? Yep. Perfect. I know when we sort of spoke, there was nothing major that had come out as a red flag. You're nice and healthy, so I don't expect anything. But when we go through the application with my lovely team members here, they'll flag anything with me that I need to review for you. Okay? Beautiful. The disadvantages are that, obviously, if your health has changes, then the increase could exceed exclude into all loadings, but we'll sort of touch base on that one. And if we need to, I'll review the policy or the application prior to it going through to the underwriters to see whether we need to have anything changed. It does increase the amount you are paying to your insurances by that $1,158.96. However, it's about making sure that you do have the level of cover that suits you and meets your goals as well. Okay? These policies are set. That essentially means that they do increase as you get older as the risk of you making a claim increases. So I I and your review, I wanna review these with you. We should be able to start hopefully reducing the cover back as your super balance increases, as your mortgage decreases, as you get closer to retirement there to alleviate the cost the pressure on your super, the cost of your premiums. And, hopefully, by the time you retire, have a beautiful super balance so you're completely debt free and not need any insurances at all. Okay. Beautiful. One of the other benefits that I looked at with Clearview is that we've recommended this policy be held solely inside super. Clearly, as a whole with your income protection, also have the added benefit of what's called an income protection. It's like a secondary contract that is held outside of super. So it's an essentially, in the event that you're unable you're off board with working sorry, unemployed, but you're unable to go to work due to illness or injury, they actually do provide provide us complimentary out of super contract on your income protection, which means you can claim if you're unable to work. It doesn't sort of it's not if you are, say, let laid off or if you quit your job. It's more this if you're unemployed, if you have quit your job, or if you have been laid off and you are physically looking for work and you're unable to do so because of injury or illness, and they do allow us to make a claim. So this is one of the added benefits that Clearview hold with this policy. And, normally, you don't sorta get those options with a lot of the insurers. So it's another good reason why we're staying with Clearview for you gives you the added benefit. Okay? Some other key advantages with regard to this is they do also have what's called the recovery support services as part of the claims process. So this provides the added assistance assistance beyond income replacement, helping to support you with the recovery and return to work. So, obviously, insurance, when you go on a claim, don't wanna be paying the claim for two years. They wanna get you back to work. It's partly so they don't have to pay the whole claim, but it's also about your mental health as well. Because the longer we're off work on injuries or illness claims, the more it can affect our our mental health as well. So they do provide an agreed they provide third party services such as rehabilitation, medical equipment, and or refilling and training programs. These are designed to support you in recovery and illness and getting you back to work quicker. Okay? As I think if you're wanting to if you're gonna be paying for insurances, you wanna get the best benefits you can out of these sorts of products. So utilizing them where you can and when you're on a claim. If the insurer provides these sorts of benefits to you, you've been paying the premiums, you're more than entitled to use them. So it's one of the things I do like about these things. You do have your life cover there as well, which pays out a lump sum benefit in the event of passing away. However, with the Clearview policy, having income protection covered there, it also has the added benefit sorry, of providing a lump sum payment in the event of passing whilst you're on a claim. So whilst the policy is enforced or if you're on a claim and you were to pass away, the income protection cover pays out a benefit equal to six times your monthly benefit to your beneficiary as a death benefit. It's up to a maximum $50,000. So it does mean that you're not only your last policy gets paid out, but your partner can also receive the added benefit of a bit extra paid out of your income protection policy as a death benefit. So it's a bit more of a buffer. Okay? All good. I do also have a few more advantages, disadvantages, risks, and alternatives that have been considered in there. When you're looking at the document, feel free to run your eyes over that one. Have a bit of a look there. If you do have any questions, let me know. And if you are happy to sign that one and take on those recommendations, we'll just get get you to sign the document back, and I'll book you with one one of my lovely team members to go through the application. Okay. Excellent. Now with these changes, as I kinda mentioned, we have noted with what's been happening in the world generally that we did sort of flag some things in your super when I was reviewing everything. There has been some changes to the market, which I wanted to make sure are reflective of your super as well. So I have decided as part of this, we are retaining Hub 24. It is a great fund. However, some of your underlying investors have have been underperforming a little bit there. So I wanted to have those removed, and I wanted to move you into a portfolio that has been performing a little bit better. Okay? So when we are when you are looking at the document, you'll see on page 16, we essentially have what we are gonna be buying and selling. But as part of these changes, you did initially have the Bennelong Australian equities in there. You had quite a lot of Bennelong Australian equities. Unfortunately, Bennelong have had some issues in their management, and they have unfortunately been underperforming significantly. So I am selling all of them off. I am selling all of them off. I am also removing the Rafi Aussie 200 out of there. I'm also removing some of the cybersecurity, just kind of rebalancing that for you. Just a bit overexposed in that area at the moment, and we'll be rebalancing gold as well. So while gold has been performing really well over the twelve months, it is a growth investment, and we wanna cement some of those gains and have them reinvested back into other areas there for you in your portfolio. The BetaShares Global Agriculture, we're gonna get rid of all of that. It has been good over the past. You had about 3% in there, but it's sort of not performing the way we wanted it to recently, so we're gonna remove that from your portfolio as well. And also the bank hybrid. So they're actually being phased out by the government over the next couple of years. So we thought while we're looking at maneuvering things, we'll remove those completely out of there as well and reallocate the funds to something that's got more of a long term view for you. Okay? So removing all of those investments, we are keeping gold, just rebalancing it, bringing it back to about 10%, cementing some of the gains that you've seen, and reinvesting those in other areas since, you know, provide a bit more of a cushion effect and keep those gains rolling a bit. We are keeping the S and P 500. We're gonna buy a bit more into that. I know there is a lot of talk of what's happening in the world generally, but when you look at the S and P 500, it is still a good investment to have. One of the benefits of the S and P 500 is that it attracts the S and P 500 index. And in order for the companies in The US to be in that index, they have to meet a certain criteria. So the index investment committee actually meet every quarter, and they determine whether companies are just are able to be in that S and P index or not. If they no longer qualify, they are removed and replaced with something else that does qualify to be in there. So it sort of gives you a bit of clarity that you are always invested in the top 500 companies and not invested in underperforming companies in that area because they are removed out when they no longer meet the criteria. So it is still a really good place to be. It has been a bit volatile. It is a growth investment, but it does when you look at it over the course of ten to twenty or thirty years, does give you great returns. So it is still a good place to have your investment. Okay? We've also got the iShares Europe. So, again, Europe has still seen a bit of the ups and downs as what is happening with Iran at the moment, but it is still a really good place to be invested and does provide a diversification. This is not one or two or three European countries. It's encompassing all of them. So some of the companies within Europe are still seeing great returns and positive things are occurring, whilst other areas in Europe are not seeing as good of returns. So it is still a great place to be. We're only gonna have about 8% of your portfolio in there, but having that is good for diversification and long term growth as well. Okay? Japan. So the iShares Japan is a great place to be invested, again, giving you a little bit more diversification. Over the last sort of twelve months, we did see where a lot of times the Australian market or, say, The US market might not be performing as well. We do tend to find Japan tends to work separately. So where Australia and US might be going down, Japan tends to show it goes up a little bit. So it is good there for diversification. It doesn't work. It's not correlated to other areas. It does sort of have its own sort of correlation, which is great, and Japan has seen some good returns. And they're also because of what's happening with China with a lot of the the increased tensions throughout China, a lot of things are moving into Japan. So we do see it as a much a much greater growth area moving forward, and we'll put about 5% of your portfolio in that investment option. Okay? We have the Vanguard or WorldX US. So this is essentially looking at all the world globally, so every country minus The US because you do have the S and P 500. One of the big things about looking at diversification is diversifying globally. So we're looking at not only Europe, Japan, The US, Australia, and other developed nations, but also other developing nations as well. So you've got some current countries that have got great returns that have seen in the past, which might correlate and move together, but other developing nations that might are expected to see really good growth moving forward there as well. And this Vanguard or World ex US investment option gives you diversification in those sorts of areas, and we're only putting about 8% in there for you. So it's more of a, you know, a branch out kinda area that we wanna see great growth in for you, but it is tracking the all world index as well. Okay? We've got the BetaShares Australian 200. Now because we are getting rid of the Raffi and the Beddalong Australian Equities, putting that into the a 200, this is a tracking following the top 200 companies on the ASX. And, again, just like the S and P 500, it tracks an index. And for companies to be in that index, they have to meet a certain criteria. So if that company's you know, when they meet if the when the investment committee meet, if the company doesn't meet the criteria, they are moved out and something else is placed in its in its place. The a 200 is good. It's more passive. It's also cheaper than having been along in there, so it actually saves you on investment fees, which is another great asset. And the a 200 is tracking it's more passive. So it tracks the index up and down, participating in the market. So you're not trying you don't have investment managers who are trying to outperform indexes and risking a lot more. It's a lot more passive, a lot lower cost, and has seen greater returns in the past than what Benelon has. Okay. Excellent. And then because it's important to have some defensive investments as well, we are removing the bank hybrids out of there due to them being removed later on over the next couple of years. We're gonna move put you into the core composite bonds. So bonds are great defensive investments. They are lower cost. They are if you're putting money into corporate as well as company bonds. The bonds also encompasses bonds and bank notes and other sort of debt equities around the globe. So it's not just in Australia. This is also looking globally to give you diversification in your defensive investments as well. And it's about 14% invested in in there. One of the good things about bonds is they are income producing. We wanna make sure you've got some income coming into your portfolio. It pays coupon payments or dividend payments like some of the shares do, and they go into your cash account, which can be reinvested, and it helps the compounding effect of your portfolio. So I noticed a lot. I have a look through those. If you want me to kind of break them down more for you, I will. I do just kinda go over them very basically so it's not not everyone's that interested in what they're invested in. But have a look. If you find you want more information, let me know. But it's giving you a bit of an idea of what I'm moving and altering and changing for you. Okay? Beautiful. Ex excellent. Now with this newer portfolio, as I kinda mentioned, it is saving investment fees. So we're moving the ban along and some of the higher cost investments out of there. With the changes, when I had a look at the difference in fees from where you are at the moment to the recommended portfolio, For the year, we can actually save you $665 investment fees. So it's pretty pretty decent cost cost reduction there, and that money stays invested in your portfolio for you, which can help for the longer term. The newer portfolio has also seen a greater past performance. So when we consider the newer portfolio with what you were in currently, were you starting a three year rolling average because the bank hybrids haven't been around long enough long enough to get a five year rolling average. But your current portfolio has averaged about 14.2%, and we know you don't get that every year. But when we look at the average of what it can do over the past three years, this is what it sort of averaged out to be. With the newer portfolio, when we look at the past returns, it's averaged out to be about 16.86% over the past three years. So the newer portfolio has seen greater past performance, which can, depending on markets down the track, can provide you with greater past future performance. Okay? I also do need to make sure I mentioned that we did look at the tax consequences because we are buying and selling investments within your super fund there. There are taxation consequences for doing so. Your super fund does a tax return just like you do every year, and the estimated CGT for this is $1,008. So after we complete the full switch and have 24 try to do it in the most tax effective way for you, But we do estimate the super fund will pay a capital gains of $1,008, all covered by your super fund and not by you in any way to make it easy. Okay? Yep. Perfect. So, realistically, we're saving investment fees. There is a CJT t consequence, but we are removing underperforming investments and putting you into investments in a portfolio that has seen greater past performance. So we're looking to try and make sure that works harder for you moving down the track and keeping keep on reviewing these for you as well. Okay. Perfect. With everything that we sort of have looked at with the projection table in there, I've got the next five to ten years there for you. But, essentially, if the market's worked the way they have in the past, if this portfolio could, you know, over the longer term, provide the same level of returns as it has. Over the next ten years, you could see yourself with a bit over a million dollars and so forth. So depending on how markets react, this could provide to be greater. However, it does just depend upon what markets do. Past performance isn't always an indicator of future performance. As we all know, markets are a little bit up and down at the moment, but with your contributions continuously going in, when the markets are taking a bit of a dip, we are taking advantage of those times as well. So we'll just sort of see how things are going, keep reviewing things, and keep you on track to get the best out of your super possible. Does that make sense? Yeah. Beautiful. The advantages here are that, essentially, the changes do save you in investment fees. The disadvantage to other CGT consequences, but we've tried to limit those as much as possible. And this reduction in the investment fees do tend to almost completely wipe out the CGT cost there. So it kind of is working quite well in your favor there. I have recommended retaining Hub 24. It is still a great platform, and the CGT on a full sell down to look at other platforms will be much higher. So this is more of a cost effective way to make sure your portfolio is working harder for you. And HubSpot is still a great platform. There's been no real changes that require us to, you know, look at altering the platform in any way, but we'll keep reviewing that with you as well. Okay. Beautiful. As you do run your eyes through that document there, you will see I've got best interest duty statements, which essentially links the recommendations back to your goals and notes why all of these are in best interest for you. So we ought to have a bit of a read through those statements as well. And, again, just let me know if there's any questions you have. Okay? Excellent. The and the other thing I do wanna make sure I mention is we do receive remuneration for insurances. This is paid by the insurer and not by you. We do currently receive 66% of the first year's premium and 22% there ongoing from the insurer. These do have no effect on what my recommendations are. My recommendations are to be made in your best interest. As I mentioned, bound by the corporation back in the best interest duty to do so. But we do like to just make sure you're aware that the the premiums sorry. The remuneration is paid by the insurer to us, and we'd like to make sure it's fully disposed in there for you as well. Okay? Beautiful. And then we also have in there the ongoing service fee. So you are paying that for our service at the moment. That's about making sure that we are setting advice and looking at your portfolio and making sure you stay on track and in the right investments there. So that is at 1.65% random, and we've just disclosed that in there for you as well. Okay? Excellent. If you're happy with everything and you do decide to take on board the recommendations, how we'll implement things is we'll start by doing the investment switch. We'll maneuver those investments nice and quick there for you, and then we'll also book in with one of our lovely team members to go through the insurance application so we can get those insurances updated for you as well. Okay. All good. Do you have any questions for me at the moment? Yeah. No. No. Got a long time to go yet. Yeah. No. That's it. Beautiful. If you do like a bit of reading, I've also got some of the PDF documents in there for any of the recommendations I've made. I've got your current certificate of currency in there for you as well. And I've also added in there just our local financial services guide, which updates any details on us and has a lovely glossy photo of me in there for you as well. Okay. And, usually, well, I will let you go to review those ones. Just let me know if there's any questions you have. It doesn't matter what it is. And, yeah, if you're happy to go forward with that, then Nick and Nicole, I'll just get you to assign and return those back, and we'll get them sorted for you. My pleasure. Thank you for your time. I hope you have a lovely afternoon. Thanks. You too, Nicole. See you later. 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Nicole. It's Dana from Oakley Financial. How are you this afternoon? I'm very well. Thank you.\n\nI had you booked in to run through an updated advice document I've got here for you. Is now still a good time? Yep. Fantastic. So you happen to have access to your emails at the moment there as well?\n\nIf you don't, that's absolutely fine. Yep. That's okay. If you wanted to to make it easier, to stop I mean, you don't have to have to stop around me the phone and and put on speaker if you like. I can just run through the recommendations there for you, and then you can take some time to have a look at them a bit later.\n\nIs that more preferable for you, or what yourself? Yeah. That's okay. Not a problem. I know sometimes it can be hard trying to do it on your phone plus listen to what I'm saying and can get a little bit a lot.\n\nSo it's just easier if I just run through those. I'll try to keep it nice and brief there for you, and then I'll let you go back. And have a really good read of the document, and you can let me know if you do have any questions in the meantime. Okay? Perfect.\n\nNow before I jump into the call, I'm just gonna let you know I am gonna email this through to you. We do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. Beautiful.\n\nAnd just to do security there with you as well, I am discussing your personal information. So I'll just confirm your full name, date of birth, and address I should have on file. Yeah. Yep. Yep.\n\nBeautiful. Thank you so much. Nicole, last time we touched base, you had were going for a new job. You decided a new role. How's that been going?\n\nAre you still in the same role that we spoke about? Yep. Yep. Oh, fantastic. So, so good.\n\nYou're still enjoying it? Yep. It pays the bills. No. Perfect.\n\nAll good. Well, with the advice document, this is sort of around last time we spoke. We did wanna have a look at the insurance. If you wanted to increase your life and TCD by a 100,000 and also wanted to have some income protection because you didn't have any before, just giving you a little bit of extra protection in the event you were off work due to illness or injuries. So we have encompassed that for you.\n\nI know it has taken a bit longer to get this advice piece ready. We had everything sort of ready to go, but then we have just noticed this year with a lot of what's happening in in the market generally that we wanted to look at making some changes to your portfolio as well. So I kind of went back and did this advice piece to encompass all of that for you because there has been some changes to the market conditions. And because your insurances are paid out of super, it is best to sort of encompass everything together. So I did kinda go back, put everything on hold for the moment after I had everything ready to go.\n\nAnd I was like, look. Let's put it as one document so you can see the whole picture. And that way, it makes it a little bit easier for you. But with what's happening in The US, within the world generally, with the markets going up and down a bit, we have sort of noted with your portfolio there needed to be some changes made. So I wanted to encompass that for you as well.\n\nOkay. Beautiful. So with this advice piece, we have scoped into being around superannuation. So one of your goals when we sort of touched base last time was that you are working to hopefully retire around about the age of 60. Your husband's super is the main it was you're sorta gonna live on.\n\nYou just wanted your super to grow to be something that you could utilize for extras living, extra, like, leisure, sorry, to be able to pull out, to have holidays, and do fun things, and buy new cars, and things like that. So this is kind of a backup for yourself, but you still want it to be working harder and growing for you so you can maximize your retirement. Okay? We also looked at the insurance side of things. As I mentioned, you wanted to increase your life and CBD component by a 100,000 there, and you also wanted to have your income covered, up to 70% of your income, and have a look at income protection there as well.\n\nSo I have encompassed that for you in the advice document. Areas that we have scoped out. So we're not looking at trauma insurances. When we touched base last year, we sort of talked about what trauma is. It's an out of pocket expense and covers you for sort of a year's worth of living expenses.\n\nIf you were diagnosed with large traumatic events, you decided not to hold any of that. If you do decide to down the track, let me know. I'm more than happy to do the research around recommending that for you. Your beneficiaries are in place at the moment, and you were very happy with how they were nominated. So we're not scoping anything in with regard to the state planning, but we wanna make sure we review that with you at annual review time as well.\n\nAnd you also discussed that you were sort of looking at maybe in the future having an investment property. It was something that was on the back of your mind, but not so much in your husband's mind. So it is something I've scoped out for now. Down the track, if you guys decide to look at that area, let me know. We can definitely discuss it in more detail for you both.\n\nOkay? Beautiful. With this advice document on the front page, when you do look at it, you will note it has been prepared for yourself as of the 04/08/2026. It's insane that this year is flying by so quickly. It has been prepared by myself and my lovely team here at Oakview Financial, and my license number registered is 1304394.\n\nOkay? We do like to make sure that we are noting that any advice we do provide is provided under the best interest duty, which is a part of the corporations. That's where we are licensed under section nine of the corporations. That's what's important that we are understanding your goals and objectives and making sure the advice is provided in order to meet those goals and objectives. Under the best interest duty, if we can't meet your goals or the advice is not appropriate, it's important that we are upfront and honest and let you know that as well.\n\nOkay? Now with the recommendations there, as we sort of touch base on with the insurance side of things, you do wanna look at increasing your life and TPD by about a 100,000. So at the moment, your current life and TPD benefit is $650,006.06 7. These are paid wholly out of your super funds, and you've got the same amount of TPD as life there. You wanted to increase that a little bit higher, so you would have a sum insured of $750,006.06 7.\n\nWe have made the recommendation to increase that for you. It doesn't add a huge amount of cost onto the premiums there. The biggest part of any insurance cost is the income protection component. So you actually don't have income protection at the moment and did wanna look at getting some income protection to cover you for up to 70% of your income. Now your income at the time we spoke late last year was about 109,000.\n\nIs that still the same, or have you got an increase, or are you due to get an increase? Yep. Okay. No. That's good.\n\nI mean, you deserve a higher increase than that. No. That's that's okay. After that twelve month mark, I'll hopefully, they should be putting a lot more out there for you. Perfect.\n\nWell, in order to make sure you are covered up to the maximum, so 70% of your current income at a 109,000, I am recommending that you do apply for income protection with the monthly benefit amount of 6,538. We did talk about looking at holding this inside super and outside of super. I am recommending you do hold this policy fully inside super. The premiums are coming out of your super fund and not out of your back pocket. Just to make it a bit easy, the cost of living is extremely high and fuel, even though the excess is being cut, still cuts into our budget pretty significantly.\n\nSo limiting those out of pocket expenses is really important at the moment there. With the income protection policy, I am recommending a thirty day waiting period. So this means you have to be off work for thirty days prior to making a claim. If you think you're gonna be off that full thirty days, we always suggest let us know straight away so we can at least call and organize the claims forms to be, you know, organized and sent out for you so they can be completed ready for that thirty day cutoff mark. So once that thirty day hits, we submit all the paperwork to the insurer, and we get the claim underway nice and quickly for you.\n\nOkay? We're also recommending a two year benefit period. So when we kinda talked about those, you were happy with just a smaller benefit period, hoping that you wouldn't need to be off work for any longer than two years, but also noting that your husband has a good income as well. So it's a bit of a buffer in the event that you're not being able to work in the shortest term there. Okay.\n\nWith the current insurances, you do only have life and CP at the moment. So your current yearly premium's $521.97 there. By looking at the increase that we are recommending there, it does increase your total premium to $1,693 there. So that's essentially giving you an increase of about $1,158. And majority of that is the income protection there, so all being paid out is super to make it easier on your budget.\n\nOkay? The benefits here are that by increasing your life and TPD, you get that extra 100,000 added on there, which is a benefit to you. It means you get more paid out in the event of a claim, which is really important to have, and having that monthly benefit in the in the event that you're unable to work in a shorter term due to illness or injury. The when we do look at increase, obviously, you do have your life on PVD. I am recommending the increase stay with ClearView.\n\nI did look at all the other insurers out there and looked at the options for other insurance options. However, ClearView came out to be the best quality mostly because you already have that Clearview policy. So just increasing your life and CBD with Clearview means they're only gonna underwrite that extra 100,000 for the life and CBD and underwrite that new income policy. So if there are any changes to your health from when we last spoke or when we last, were able to go through the application, it does mean that if there are changes to your health or what, you know, there could be loadings or exclusions applied to that increased policy. However, if there are, they would only apply to the increase.\n\nThey wouldn't be backdated to the the last part of the policy, the policy you currently hold, if that makes sense. Okay? Yep. Perfect. I know when we sort of spoke, there was nothing major that had come out as a red flag.\n\nYou're nice and healthy, so I don't expect anything. But when we go through the application with my lovely team members here, they'll flag anything with me that I need to review for you. Okay? Beautiful. The disadvantages are that, obviously, if your health has changes, then the increase could exceed exclude into all loadings, but we'll sort of touch base on that one.\n\nAnd if we need to, I'll review the policy or the application prior to it going through to the underwriters to see whether we need to have anything changed. It does increase the amount you are paying to your insurances by that $1,158.96. However, it's about making sure that you do have the level of cover that suits you and meets your goals as well. Okay? These policies are set.\n\nThat essentially means that they do increase as you get older as the risk of you making a claim increases. So I I and your review, I wanna review these with you. We should be able to start hopefully reducing the cover back as your super balance increases, as your mortgage decreases, as you get closer to retirement there to alleviate the cost the pressure on your super, the cost of your premiums. And, hopefully, by the time you retire, have a beautiful super balance so you're completely debt free and not need any insurances at all. Okay.\n\nBeautiful. One of the other benefits that I looked at with Clearview is that we've recommended this policy be held solely inside super. Clearly, as a whole with your income protection, also have the added benefit of what's called an income protection. It's like a secondary contract that is held outside of super. So it's an essentially, in the event that you're unable you're off board with working sorry, unemployed, but you're unable to go to work due to illness or injury, they actually do provide provide us complimentary out of super contract on your income protection, which means you can claim if you're unable to work.\n\nIt doesn't sort of it's not if you are, say, let laid off or if you quit your job. It's more this if you're unemployed, if you have quit your job, or if you have been laid off and you are physically looking for work and you're unable to do so because of injury or illness, and they do allow us to make a claim. So this is one of the added benefits that Clearview hold with this policy. And, normally, you don't sorta get those options with a lot of the insurers. So it's another good reason why we're staying with Clearview for you gives you the added benefit.\n\nOkay? Some other key advantages with regard to this is they do also have what's called the recovery support services as part of the claims process. So this provides the added assistance assistance beyond income replacement, helping to support you with the recovery and return to work. So, obviously, insurance, when you go on a claim, don't wanna be paying the claim for two years. They wanna get you back to work.\n\nIt's partly so they don't have to pay the whole claim, but it's also about your mental health as well. Because the longer we're off work on injuries or illness claims, the more it can affect our our mental health as well. So they do provide an agreed they provide third party services such as rehabilitation, medical equipment, and or refilling and training programs. These are designed to support you in recovery and illness and getting you back to work quicker. Okay?\n\nAs I think if you're wanting to if you're gonna be paying for insurances, you wanna get the best benefits you can out of these sorts of products. So utilizing them where you can and when you're on a claim. If the insurer provides these sorts of benefits to you, you've been paying the premiums, you're more than entitled to use them. So it's one of the things I do like about these things. You do have your life cover there as well, which pays out a lump sum benefit in the event of passing away.\n\nHowever, with the Clearview policy, having income protection covered there, it also has the added benefit sorry, of providing a lump sum payment in the event of passing whilst you're on a claim. So whilst the policy is enforced or if you're on a claim and you were to pass away, the income protection cover pays out a benefit equal to six times your monthly benefit to your beneficiary as a death benefit. It's up to a maximum $50,000. So it does mean that you're not only your last policy gets paid out, but your partner can also receive the added benefit of a bit extra paid out of your income protection policy as a death benefit. So it's a bit more of a buffer.\n\nOkay? All good. I do also have a few more advantages, disadvantages, risks, and alternatives that have been considered in there. When you're looking at the document, feel free to run your eyes over that one. Have a bit of a look there.\n\nIf you do have any questions, let me know. And if you are happy to sign that one and take on those recommendations, we'll just get get you to sign the document back, and I'll book you with one one of my lovely team members to go through the application. Okay. Excellent. Now with these changes, as I kinda mentioned, we have noted with what's been happening in the world generally that we did sort of flag some things in your super when I was reviewing everything.\n\nThere has been some changes to the market, which I wanted to make sure are reflective of your super as well. So I have decided as part of this, we are retaining Hub 24. It is a great fund. However, some of your underlying investors have have been underperforming a little bit there. So I wanted to have those removed, and I wanted to move you into a portfolio that has been performing a little bit better.\n\nOkay? So when we are when you are looking at the document, you'll see on page 16, we essentially have what we are gonna be buying and selling. But as part of these changes, you did initially have the Bennelong Australian equities in there. You had quite a lot of Bennelong Australian equities. Unfortunately, Bennelong have had some issues in their management, and they have unfortunately been underperforming significantly.\n\nSo I am selling all of them off. I am selling all of them off. I am also removing the Rafi Aussie 200 out of there. I'm also removing some of the cybersecurity, just kind of rebalancing that for you. Just a bit overexposed in that area at the moment, and we'll be rebalancing gold as well.\n\nSo while gold has been performing really well over the twelve months, it is a growth investment, and we wanna cement some of those gains and have them reinvested back into other areas there for you in your portfolio. The BetaShares Global Agriculture, we're gonna get rid of all of that. It has been good over the past. You had about 3% in there, but it's sort of not performing the way we wanted it to recently, so we're gonna remove that from your portfolio as well. And also the bank hybrid.\n\nSo they're actually being phased out by the government over the next couple of years. So we thought while we're looking at maneuvering things, we'll remove those completely out of there as well and reallocate the funds to something that's got more of a long term view for you. Okay? So removing all of those investments, we are keeping gold, just rebalancing it, bringing it back to about 10%, cementing some of the gains that you've seen, and reinvesting those in other areas since, you know, provide a bit more of a cushion effect and keep those gains rolling a bit. We are keeping the S and P 500.\n\nWe're gonna buy a bit more into that. I know there is a lot of talk of what's happening in the world generally, but when you look at the S and P 500, it is still a good investment to have. One of the benefits of the S and P 500 is that it attracts the S and P 500 index. And in order for the companies in The US to be in that index, they have to meet a certain criteria. So the index investment committee actually meet every quarter, and they determine whether companies are just are able to be in that S and P index or not.\n\nIf they no longer qualify, they are removed and replaced with something else that does qualify to be in there. So it sort of gives you a bit of clarity that you are always invested in the top 500 companies and not invested in underperforming companies in that area because they are removed out when they no longer meet the criteria. So it is still a really good place to be. It has been a bit volatile. It is a growth investment, but it does when you look at it over the course of ten to twenty or thirty years, does give you great returns.\n\nSo it is still a good place to have your investment. Okay? We've also got the iShares Europe. So, again, Europe has still seen a bit of the ups and downs as what is happening with Iran at the moment, but it is still a really good place to be invested and does provide a diversification. This is not one or two or three European countries.\n\nIt's encompassing all of them. So some of the companies within Europe are still seeing great returns and positive things are occurring, whilst other areas in Europe are not seeing as good of returns. So it is still a great place to be. We're only gonna have about 8% of your portfolio in there, but having that is good for diversification and long term growth as well. Okay?\n\nJapan. So the iShares Japan is a great place to be invested, again, giving you a little bit more diversification. Over the last sort of twelve months, we did see where a lot of times the Australian market or, say, The US market might not be performing as well. We do tend to find Japan tends to work separately. So where Australia and US might be going down, Japan tends to show it goes up a little bit.\n\nSo it is good there for diversification. It doesn't work. It's not correlated to other areas. It does sort of have its own sort of correlation, which is great, and Japan has seen some good returns. And they're also because of what's happening with China with a lot of the the increased tensions throughout China, a lot of things are moving into Japan.\n\nSo we do see it as a much a much greater growth area moving forward, and we'll put about 5% of your portfolio in that investment option. Okay? We have the Vanguard or WorldX US. So this is essentially looking at all the world globally, so every country minus The US because you do have the S and P 500. One of the big things about looking at diversification is diversifying globally.\n\nSo we're looking at not only Europe, Japan, The US, Australia, and other developed nations, but also other developing nations as well. So you've got some current countries that have got great returns that have seen in the past, which might correlate and move together, but other developing nations that might are expected to see really good growth moving forward there as well. And this Vanguard or World ex US investment option gives you diversification in those sorts of areas, and we're only putting about 8% in there for you. So it's more of a, you know, a branch out kinda area that we wanna see great growth in for you, but it is tracking the all world index as well. Okay?\n\nWe've got the BetaShares Australian 200. Now because we are getting rid of the Raffi and the Beddalong Australian Equities, putting that into the a 200, this is a tracking following the top 200 companies on the ASX. And, again, just like the S and P 500, it tracks an index. And for companies to be in that index, they have to meet a certain criteria. So if that company's you know, when they meet if the when the investment committee meet, if the company doesn't meet the criteria, they are moved out and something else is placed in its in its place.\n\nThe a 200 is good. It's more passive. It's also cheaper than having been along in there, so it actually saves you on investment fees, which is another great asset. And the a 200 is tracking it's more passive. So it tracks the index up and down, participating in the market.\n\nSo you're not trying you don't have investment managers who are trying to outperform indexes and risking a lot more. It's a lot more passive, a lot lower cost, and has seen greater returns in the past than what Benelon has. Okay. Excellent. And then because it's important to have some defensive investments as well, we are removing the bank hybrids out of there due to them being removed later on over the next couple of years.\n\nWe're gonna move put you into the core composite bonds. So bonds are great defensive investments. They are lower cost. They are if you're putting money into corporate as well as company bonds. The bonds also encompasses bonds and bank notes and other sort of debt equities around the globe.\n\nSo it's not just in Australia. This is also looking globally to give you diversification in your defensive investments as well. And it's about 14% invested in in there. One of the good things about bonds is they are income producing. We wanna make sure you've got some income coming into your portfolio.\n\nIt pays coupon payments or dividend payments like some of the shares do, and they go into your cash account, which can be reinvested, and it helps the compounding effect of your portfolio. So I noticed a lot. I have a look through those. If you want me to kind of break them down more for you, I will. I do just kinda go over them very basically so it's not not everyone's that interested in what they're invested in.\n\nBut have a look. If you find you want more information, let me know. But it's giving you a bit of an idea of what I'm moving and altering and changing for you. Okay? Beautiful.\n\nEx excellent. Now with this newer portfolio, as I kinda mentioned, it is saving investment fees. So we're moving the ban along and some of the higher cost investments out of there. With the changes, when I had a look at the difference in fees from where you are at the moment to the recommended portfolio, For the year, we can actually save you $665 investment fees. So it's pretty pretty decent cost cost reduction there, and that money stays invested in your portfolio for you, which can help for the longer term.\n\nThe newer portfolio has also seen a greater past performance. So when we consider the newer portfolio with what you were in currently, were you starting a three year rolling average because the bank hybrids haven't been around long enough long enough to get a five year rolling average. But your current portfolio has averaged about 14.2%, and we know you don't get that every year. But when we look at the average of what it can do over the past three years, this is what it sort of averaged out to be. With the newer portfolio, when we look at the past returns, it's averaged out to be about 16.86% over the past three years.\n\nSo the newer portfolio has seen greater past performance, which can, depending on markets down the track, can provide you with greater past future performance. Okay? I also do need to make sure I mentioned that we did look at the tax consequences because we are buying and selling investments within your super fund there. There are taxation consequences for doing so. Your super fund does a tax return just like you do every year, and the estimated CGT for this is $1,008.\n\nSo after we complete the full switch and have 24 try to do it in the most tax effective way for you, But we do estimate the super fund will pay a capital gains of $1,008, all covered by your super fund and not by you in any way to make it easy. Okay? Yep. Perfect. So, realistically, we're saving investment fees.\n\nThere is a CJT t consequence, but we are removing underperforming investments and putting you into investments in a portfolio that has seen greater past performance. So we're looking to try and make sure that works harder for you moving down the track and keeping keep on reviewing these for you as well. Okay. Perfect. With everything that we sort of have looked at with the projection table in there, I've got the next five to ten years there for you.\n\nBut, essentially, if the market's worked the way they have in the past, if this portfolio could, you know, over the longer term, provide the same level of returns as it has. Over the next ten years, you could see yourself with a bit over a million dollars and so forth. So depending on how markets react, this could provide to be greater. However, it does just depend upon what markets do. Past performance isn't always an indicator of future performance.\n\nAs we all know, markets are a little bit up and down at the moment, but with your contributions continuously going in, when the markets are taking a bit of a dip, we are taking advantage of those times as well. So we'll just sort of see how things are going, keep reviewing things, and keep you on track to get the best out of your super possible. Does that make sense? Yeah. Beautiful.\n\nThe advantages here are that, essentially, the changes do save you in investment fees. The disadvantage to other CGT consequences, but we've tried to limit those as much as possible. And this reduction in the investment fees do tend to almost completely wipe out the CGT cost there. So it kind of is working quite well in your favor there. I have recommended retaining Hub 24.\n\nIt is still a great platform, and the CGT on a full sell down to look at other platforms will be much higher. So this is more of a cost effective way to make sure your portfolio is working harder for you. And HubSpot is still a great platform. There's been no real changes that require us to, you know, look at altering the platform in any way, but we'll keep reviewing that with you as well. Okay.\n\nBeautiful. As you do run your eyes through that document there, you will see I've got best interest duty statements, which essentially links the recommendations back to your goals and notes why all of these are in best interest for you. So we ought to have a bit of a read through those statements as well. And, again, just let me know if there's any questions you have. Okay?\n\nExcellent. The and the other thing I do wanna make sure I mention is we do receive remuneration for insurances. This is paid by the insurer and not by you. We do currently receive 66% of the first year's premium and 22% there ongoing from the insurer. These do have no effect on what my recommendations are.\n\nMy recommendations are to be made in your best interest. As I mentioned, bound by the corporation back in the best interest duty to do so. But we do like to just make sure you're aware that the the premiums sorry. The remuneration is paid by the insurer to us, and we'd like to make sure it's fully disposed in there for you as well. Okay?\n\nBeautiful. And then we also have in there the ongoing service fee. So you are paying that for our service at the moment. That's about making sure that we are setting advice and looking at your portfolio and making sure you stay on track and in the right investments there. So that is at 1.65% random, and we've just disclosed that in there for you as well.\n\nOkay? Excellent. If you're happy with everything and you do decide to take on board the recommendations, how we'll implement things is we'll start by doing the investment switch. We'll maneuver those investments nice and quick there for you, and then we'll also book in with one of our lovely team members to go through the insurance application so we can get those insurances updated for you as well. Okay.\n\nAll good. Do you have any questions for me at the moment? Yeah. No. No.\n\nGot a long time to go yet. Yeah. No. That's it. Beautiful.\n\nIf you do like a bit of reading, I've also got some of the PDF documents in there for any of the recommendations I've made. I've got your current certificate of currency in there for you as well. And I've also added in there just our local financial services guide, which updates any details on us and has a lovely glossy photo of me in there for you as well. Okay. And, usually, well, I will let you go to review those ones.\n\nJust let me know if there's any questions you have. It doesn't matter what it is. And, yeah, if you're happy to go forward with that, then Nick and Nicole, I'll just get you to assign and return those back, and we'll get them sorted for you. My pleasure. Thank you for your time.\n\nI hope you have a lovely afternoon. Thanks. You too, Nicole. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Nicole.","start":2.8799999,"end":3.6,"sentiment":"neutral","sentiment_score":0.14277077838778496},{"text":"It's Dana from Oakley Financial.","start":3.6,"end":5.12,"sentiment":"neutral","sentiment_score":0.1877635896205902},{"text":"How are you this afternoon?","start":5.12,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.22751640081405639},{"text":"I'm very well.","start":8.08,"end":9.04,"sentiment":"positive","sentiment_score":0.6426892876625061},{"text":"Thank you.","start":9.04,"end":9.5199995,"sentiment":"positive","sentiment_score":0.6949612498283386}],"sentiment":"positive","sentiment_score":0.3341136395054705,"num_words":17,"start":2.8799999,"end":9.5199995},{"sentences":[{"text":"I had you booked in to run through an updated advice document I've got here for you.","start":9.5199995,"end":13.28,"sentiment":"neutral","sentiment_score":0.2886713392594281},{"text":"Is now still a good time?","start":13.28,"end":14.74,"sentiment":"neutral","sentiment_score":0.1831883266568184},{"text":"Yep.","start":15.12,"end":15.62,"sentiment":"neutral","sentiment_score":0.2867667078971863},{"text":"Fantastic.","start":16.685001,"end":17.185001,"sentiment":"positive","sentiment_score":0.6323885917663574},{"text":"So you happen to have access to your emails at the moment there as well?","start":17.725,"end":20.525002,"sentiment":"neutral","sentiment_score":0.23258201082547506}],"sentiment":"neutral","sentiment_score":0.26036070473492146,"num_words":40,"start":9.5199995,"end":20.525002},{"sentences":[{"text":"If you don't, that's absolutely fine.","start":20.525002,"end":22.305,"sentiment":"neutral","sentiment_score":0.2509284242987633},{"text":"Yep.","start":26.205,"end":26.705,"sentiment":"neutral","sentiment_score":0.20246551930904388},{"text":"That's okay.","start":27.165,"end":28.06,"sentiment":"neutral","sentiment_score":0.3104346692562103},{"text":"If you wanted to to make it easier, to stop I mean, you don't have to have to stop around me the phone and and put on speaker if you like.","start":28.06,"end":34.86,"sentiment":"neutral","sentiment_score":0.12833058761973534},{"text":"I can just run through the recommendations there for you, and then you can take some time to have a look at them a bit later.","start":34.86,"end":40.08,"sentiment":"neutral","sentiment_score":0.16578500230724996}],"sentiment":"neutral","sentiment_score":0.1608721769668839,"num_words":66,"start":20.525002,"end":40.08},{"sentences":[{"text":"Is that more preferable for you, or what yourself?","start":40.14,"end":43.415,"sentiment":"neutral","sentiment_score":0.05448272948463758},{"text":"Yeah.","start":46.035,"end":46.435,"sentiment":"neutral","sentiment_score":0.0995762050151825},{"text":"That's okay.","start":46.435,"end":47.235,"sentiment":"neutral","sentiment_score":0.13141483813524246},{"text":"Not a problem.","start":47.235,"end":47.635002,"sentiment":"neutral","sentiment_score":0.10667033741871516},{"text":"I know sometimes it can be hard trying to do it on your phone plus listen to what I'm saying and can get a little bit a lot.","start":47.635002,"end":53.635002,"sentiment":"neutral","sentiment_score":0.035031606044088094}],"sentiment":"neutral","sentiment_score":0.050084800654372506,"num_words":43,"start":40.14,"end":53.635002},{"sentences":[{"text":"So it's just easier if I just run through those.","start":53.635002,"end":55.715,"sentiment":"neutral","sentiment_score":0.019722822681069375},{"text":"I'll try to keep it nice and brief there for you, and then I'll let you go back.","start":55.715,"end":59.449997,"sentiment":"neutral","sentiment_score":0.10939293147789107},{"text":"And have a really good read of the document, and you can let me know if you do have any questions in the meantime.","start":59.449997,"end":63.87,"sentiment":"neutral","sentiment_score":0.1385728639240066},{"text":"Okay?","start":63.929996,"end":64.42999,"sentiment":"neutral","sentiment_score":0.06917211413383484},{"text":"Perfect.","start":66.009995,"end":66.509995,"sentiment":"neutral","sentiment_score":0.2736969590187073}],"sentiment":"neutral","sentiment_score":0.10805405186558212,"num_words":54,"start":53.635002,"end":66.509995},{"sentences":[{"text":"Now before I jump into the call, I'm just gonna let you know I am gonna email this through to you.","start":66.89,"end":71.229996,"sentiment":"neutral","sentiment_score":0.149272678508645},{"text":"We do record our calls for quality and training purposes.","start":71.475,"end":74.275,"sentiment":"neutral","sentiment_score":0.11569007709622384},{"text":"Are you happy for me to proceed with that?","start":74.275,"end":76.375,"sentiment":"neutral","sentiment_score":0.14750315497318903},{"text":"Yep.","start":77.395004,"end":77.715004,"sentiment":"neutral","sentiment_score":0.24016013741493225},{"text":"Beautiful.","start":77.715004,"end":78.115,"sentiment":"positive","sentiment_score":0.4584644138813019}],"sentiment":"neutral","sentiment_score":0.15042333251663617,"num_words":42,"start":66.89,"end":78.115},{"sentences":[{"text":"And just to do security there with you as well, I am discussing your personal information.","start":78.115,"end":81.315,"sentiment":"neutral","sentiment_score":0.15646798349916935},{"text":"So I'll just confirm your full name, date of birth, and address I should have on file.","start":81.315,"end":84.855,"sentiment":"neutral","sentiment_score":0.10773334783666275},{"text":"Yeah.","start":86.32,"end":86.82,"sentiment":"neutral","sentiment_score":0.030830472707748413},{"text":"Yep.","start":87.44,"end":87.94,"sentiment":"neutral","sentiment_score":0.03150731325149536},{"text":"Yep.","start":89.119995,"end":89.619995,"sentiment":"neutral","sentiment_score":0.02977129817008972}],"sentiment":"neutral","sentiment_score":0.1229739925927586,"num_words":36,"start":78.115,"end":89.619995},{"sentences":[{"text":"Beautiful.","start":91.76,"end":92.24,"sentiment":"positive","sentiment_score":0.6758111715316772},{"text":"Thank you so much.","start":92.24,"end":93.28,"sentiment":"positive","sentiment_score":0.7252104878425598},{"text":"Nicole, last time we touched base, you had were going for a new job.","start":93.28,"end":97.44,"sentiment":"neutral","sentiment_score":0.038255705764251094},{"text":"You decided a new role.","start":97.44,"end":98.8,"sentiment":"neutral","sentiment_score":0.043148865923285484},{"text":"How's that been going?","start":98.8,"end":99.814995,"sentiment":"neutral","sentiment_score":0.04024612810462713}],"sentiment":"neutral","sentiment_score":0.16032006591558456,"num_words":28,"start":91.76,"end":99.814995},{"sentences":[{"text":"Are you still in the same role that we spoke about?","start":99.814995,"end":102.395,"sentiment":"neutral","sentiment_score":0.004011095078154044},{"text":"Yep.","start":102.534996,"end":103.034996,"sentiment":"neutral","sentiment_score":0.03008896112442017},{"text":"Yep.","start":109.975,"end":110.375,"sentiment":"neutral","sentiment_score":0.07730549573898315},{"text":"Oh, fantastic.","start":110.375,"end":111.195,"sentiment":"positive","sentiment_score":0.4947008192539215},{"text":"So, so good.","start":111.735,"end":112.695,"sentiment":"positive","sentiment_score":0.4945802489916484}],"sentiment":"neutral","sentiment_score":0.14581438267810476,"num_words":18,"start":99.814995,"end":112.695},{"sentences":[{"text":"You're still enjoying it?","start":112.695,"end":114.075,"sentiment":"positive","sentiment_score":0.39813419431447983},{"text":"Yep.","start":116.0,"end":116.5,"sentiment":"neutral","sentiment_score":0.2098148912191391},{"text":"It pays the bills.","start":117.6,"end":118.82,"sentiment":"neutral","sentiment_score":0.31574659049510956},{"text":"No.","start":119.96,"end":120.46,"sentiment":"neutral","sentiment_score":0.10546019673347472},{"text":"Perfect.","start":121.6,"end":122.1,"sentiment":"neutral","sentiment_score":0.2562624216079712}],"sentiment":"neutral","sentiment_score":0.31155096807263116,"num_words":11,"start":112.695,"end":122.1},{"sentences":[{"text":"All good.","start":122.32,"end":123.14,"sentiment":"neutral","sentiment_score":0.22766998410224915},{"text":"Well, with the advice document, this is sort of around last time we spoke.","start":123.68,"end":127.03999,"sentiment":"neutral","sentiment_score":0.04790755946721349},{"text":"We did wanna have a look at the insurance.","start":127.03999,"end":129.205,"sentiment":"neutral","sentiment_score":0.04221254131860203},{"text":"If you wanted to increase your life and TCD by a 100,000 and also wanted to have some income protection because you didn't have any before, just giving you a little bit of extra protection in the event you were off work due to illness or injuries.","start":129.205,"end":141.045,"sentiment":"neutral","sentiment_score":0.06665394645422063},{"text":"So we have encompassed that for you.","start":141.045,"end":143.19,"sentiment":"neutral","sentiment_score":0.06357159891298839}],"sentiment":"neutral","sentiment_score":0.06435057402977461,"num_words":79,"start":122.32,"end":143.19},{"sentences":[{"text":"I know it has taken a bit longer to get this advice piece ready.","start":143.35,"end":146.25,"sentiment":"neutral","sentiment_score":-0.014752388931810856},{"text":"We had everything sort of ready to go, but then we have just noticed this year with a lot of what's happening in in the market generally that we wanted to look at making some changes to your portfolio as well.","start":146.47,"end":155.91,"sentiment":"neutral","sentiment_score":-0.0012752872596426708},{"text":"So I kind of went back and did this advice piece to encompass all of that for you because there has been some changes to the market conditions.","start":155.91,"end":163.665,"sentiment":"neutral","sentiment_score":0.016374615154096057},{"text":"And because your insurances are paid out of super, it is best to sort of encompass everything together.","start":163.665,"end":168.86499,"sentiment":"neutral","sentiment_score":0.01799060155948003},{"text":"So I did kinda go back, put everything on hold for the moment after I had everything ready to go.","start":168.86499,"end":173.67,"sentiment":"neutral","sentiment_score":0.013005698658525943}],"sentiment":"neutral","sentiment_score":0.006476147131116922,"num_words":121,"start":143.35,"end":173.67},{"sentences":[{"text":"And I was like, look.","start":173.75,"end":174.31,"sentiment":"neutral","sentiment_score":0.03442159295082092},{"text":"Let's put it as one document so you can see the whole picture.","start":174.31,"end":177.37,"sentiment":"neutral","sentiment_score":0.08943815787251179},{"text":"And that way, it makes it a little bit easier for you.","start":178.15,"end":180.39,"sentiment":"neutral","sentiment_score":0.1465800078585744},{"text":"But with what's happening in The US, within the world generally, with the markets going up and down a bit, we have sort of noted with your portfolio there needed to be some changes made.","start":180.39,"end":188.63,"sentiment":"neutral","sentiment_score":0.013029159924813679},{"text":"So I wanted to encompass that for you as well.","start":188.63,"end":191.72499,"sentiment":"neutral","sentiment_score":0.09283510893583298}],"sentiment":"neutral","sentiment_score":0.05970847730835279,"num_words":75,"start":173.75,"end":191.72499},{"sentences":[{"text":"Okay.","start":191.72499,"end":192.20499,"sentiment":"neutral","sentiment_score":0.09453102201223372},{"text":"Beautiful.","start":192.20499,"end":192.70499,"sentiment":"neutral","sentiment_score":0.2785380184650421},{"text":"So with this advice piece, we have scoped into being around superannuation.","start":194.92499,"end":198.625,"sentiment":"neutral","sentiment_score":0.10843084814647834},{"text":"So one of your goals when we sort of touched base last time was that you are working to hopefully retire around about the age of 60.","start":199.08499,"end":205.38,"sentiment":"neutral","sentiment_score":0.14899290021922854},{"text":"Your husband's super is the main it was you're sorta gonna live on.","start":205.84001,"end":209.28,"sentiment":"neutral","sentiment_score":0.20790919432273278}],"sentiment":"neutral","sentiment_score":0.15555309352499466,"num_words":54,"start":191.72499,"end":209.28},{"sentences":[{"text":"You just wanted your super to grow to be something that you could utilize for extras living, extra, like, leisure, sorry, to be able to pull out, to have holidays, and do fun things, and buy new cars, and things like that.","start":209.28,"end":221.57501,"sentiment":"positive","sentiment_score":0.36132229722681497},{"text":"So this is kind of a backup for yourself, but you still want it to be working harder and growing for you so you can maximize your retirement.","start":221.57501,"end":227.99501,"sentiment":"positive","sentiment_score":0.4240339111004557},{"text":"Okay?","start":228.535,"end":229.035,"sentiment":"neutral","sentiment_score":0.1494976282119751},{"text":"We also looked at the insurance side of things.","start":230.28001,"end":232.36,"sentiment":"neutral","sentiment_score":0.11784175038337708},{"text":"As I mentioned, you wanted to increase your life and CBD component by a 100,000 there, and you also wanted to have your income covered, up to 70% of your income, and have a look at income protection there as well.","start":232.36,"end":243.32,"sentiment":"neutral","sentiment_score":0.2049321842993178}],"sentiment":"neutral","sentiment_score":0.30298164406837513,"num_words":121,"start":209.28,"end":243.32},{"sentences":[{"text":"So I have encompassed that for you in the advice document.","start":243.32,"end":246.15501,"sentiment":"neutral","sentiment_score":0.14745679226788608},{"text":"Areas that we have scoped out.","start":247.255,"end":248.615,"sentiment":"neutral","sentiment_score":0.04320994392037392},{"text":"So we're not looking at trauma insurances.","start":248.615,"end":250.55501,"sentiment":"neutral","sentiment_score":-0.06363964293684278},{"text":"When we touched base last year, we sort of talked about what trauma is.","start":251.095,"end":253.975,"sentiment":"neutral","sentiment_score":-0.025516179656343802},{"text":"It's an out of pocket expense and covers you for sort of a year's worth of living expenses.","start":253.975,"end":258.075,"sentiment":"neutral","sentiment_score":0.00716869631368253}],"sentiment":"neutral","sentiment_score":0.021564587435152913,"num_words":56,"start":243.32,"end":258.075},{"sentences":[{"text":"If you were diagnosed with large traumatic events, you decided not to hold any of that.","start":258.135,"end":262.88998,"sentiment":"neutral","sentiment_score":-0.1923683425411582},{"text":"If you do decide to down the track, let me know.","start":262.88998,"end":264.97,"sentiment":"neutral","sentiment_score":0.029893440279093655},{"text":"I'm more than happy to do the research around recommending that for you.","start":264.97,"end":268.50998,"sentiment":"positive","sentiment_score":0.4326342435983511},{"text":"Your beneficiaries are in place at the moment, and you were very happy with how they were nominated.","start":269.44998,"end":273.94998,"sentiment":"positive","sentiment_score":0.5444418026341332},{"text":"So we're not scoping anything in with regard to the state planning, but we wanna make sure we review that with you at annual review time as well.","start":274.00998,"end":280.64502,"sentiment":"neutral","sentiment_score":0.07301572869930949}],"sentiment":"neutral","sentiment_score":0.17115781837424568,"num_words":86,"start":258.135,"end":280.64502},{"sentences":[{"text":"And you also discussed that you were sort of looking at maybe in the future having an investment property.","start":281.665,"end":285.745,"sentiment":"neutral","sentiment_score":0.04486839022291334},{"text":"It was something that was on the back of your mind, but not so much in your husband's mind.","start":285.745,"end":289.585,"sentiment":"neutral","sentiment_score":-0.021448911412766104},{"text":"So it is something I've scoped out for now.","start":289.585,"end":292.82,"sentiment":"neutral","sentiment_score":0.09321282638443841},{"text":"Down the track, if you guys decide to look at that area, let me know.","start":292.82,"end":296.02,"sentiment":"neutral","sentiment_score":0.11014338533083598},{"text":"We can definitely discuss it in more detail for you both.","start":296.02,"end":298.82,"sentiment":"neutral","sentiment_score":0.2578786001964049}],"sentiment":"neutral","sentiment_score":0.07907809475309228,"num_words":73,"start":281.665,"end":298.82},{"sentences":[{"text":"Okay?","start":298.82,"end":299.32,"sentiment":"neutral","sentiment_score":0.23206421732902527},{"text":"Beautiful.","start":299.78,"end":300.28,"sentiment":"neutral","sentiment_score":0.28514036536216736},{"text":"With this advice document on the front page, when you do look at it, you will note it has been prepared for yourself as of the 04/08/2026.","start":301.69998,"end":308.56497,"sentiment":"neutral","sentiment_score":0.05684951568643252},{"text":"It's insane that this year is flying by so quickly.","start":308.56497,"end":311.38498,"sentiment":"neutral","sentiment_score":-0.12645301222801208},{"text":"It has been prepared by myself and my lovely team here at Oakview Financial, and my license number registered is 1304394.","start":312.965,"end":320.405,"sentiment":"neutral","sentiment_score":0.21732804285628454}],"sentiment":"neutral","sentiment_score":0.08919167139877876,"num_words":60,"start":298.82,"end":320.405},{"sentences":[{"text":"Okay?","start":320.405,"end":320.905,"sentiment":"neutral","sentiment_score":0.06872865557670593},{"text":"We do like to make sure that we are noting that any advice we do provide is provided under the best interest duty, which is a part of the corporations.","start":322.22,"end":328.56,"sentiment":"neutral","sentiment_score":0.07573758761088054},{"text":"That's where we are licensed under section nine of the corporations.","start":328.62,"end":331.12,"sentiment":"neutral","sentiment_score":0.0614959140392867},{"text":"That's what's important that we are understanding your goals and objectives and making sure the advice is provided in order to meet those goals and objectives.","start":331.18,"end":339.105,"sentiment":"neutral","sentiment_score":0.08260096838841072},{"text":"Under the best interest duty, if we can't meet your goals or the advice is not appropriate, it's important that we are upfront and honest and let you know that as well.","start":339.725,"end":347.565,"sentiment":"neutral","sentiment_score":-0.08676672098226845}],"sentiment":"neutral","sentiment_score":0.023884014450013636,"num_words":100,"start":320.405,"end":347.565},{"sentences":[{"text":"Okay?","start":347.565,"end":348.065,"sentiment":"neutral","sentiment_score":0.014399657025933266},{"text":"Now with the recommendations there, as we sort of touch base on with the insurance side of things, you do wanna look at increasing your life and TPD by about a 100,000.","start":349.13,"end":357.77002,"sentiment":"neutral","sentiment_score":0.07660703919827938},{"text":"So at the moment, your current life and TPD benefit is $650,006.06 7.","start":357.77002,"end":363.39,"sentiment":"neutral","sentiment_score":0.042488910974218294},{"text":"These are paid wholly out of your super funds, and you've got the same amount of TPD as life there.","start":363.785,"end":369.705,"sentiment":"neutral","sentiment_score":0.05181810986250639},{"text":"You wanted to increase that a little bit higher, so you would have a sum insured of $750,006.06 7.","start":369.705,"end":376.525,"sentiment":"neutral","sentiment_score":0.09094387194827984}],"sentiment":"neutral","sentiment_score":0.06802913550944889,"num_words":85,"start":347.565,"end":376.525},{"sentences":[{"text":"We have made the recommendation to increase that for you.","start":376.61,"end":379.59,"sentiment":"neutral","sentiment_score":0.14298433661460877},{"text":"It doesn't add a huge amount of cost onto the premiums there.","start":379.65,"end":383.11,"sentiment":"neutral","sentiment_score":-0.14763785526156425},{"text":"The biggest part of any insurance cost is the income protection component.","start":383.49,"end":387.51,"sentiment":"neutral","sentiment_score":-0.07473914294193189},{"text":"So you actually don't have income protection at the moment and did wanna look at getting some income protection to cover you for up to 70% of your income.","start":387.57,"end":395.875,"sentiment":"neutral","sentiment_score":-0.06097560658537109},{"text":"Now your income at the time we spoke late last year was about 109,000.","start":396.095,"end":400.415,"sentiment":"neutral","sentiment_score":-0.04276138650519507}],"sentiment":"neutral","sentiment_score":-0.04682639758888777,"num_words":77,"start":376.61,"end":400.415},{"sentences":[{"text":"Is that still the same, or have you got an increase, or are you due to get an increase?","start":400.415,"end":404.195,"sentiment":"neutral","sentiment_score":-0.07802790521006835},{"text":"Yep.","start":410.35,"end":410.85,"sentiment":"neutral","sentiment_score":0.0005767742986790836},{"text":"Okay.","start":413.78998,"end":414.28998,"sentiment":"neutral","sentiment_score":0.02879555895924568},{"text":"No.","start":414.35,"end":414.59,"sentiment":"neutral","sentiment_score":-0.024244386702775955},{"text":"That's good.","start":414.59,"end":415.22998,"sentiment":"neutral","sentiment_score":0.16144141927361488}],"sentiment":"neutral","sentiment_score":-0.048104975578705,"num_words":24,"start":400.415,"end":415.22998},{"sentences":[{"text":"I mean, you deserve a higher increase than that.","start":415.22998,"end":417.65,"sentiment":"neutral","sentiment_score":0.14252180316381985},{"text":"No.","start":421.855,"end":422.095,"sentiment":"neutral","sentiment_score":-0.05060187354683876},{"text":"That's that's okay.","start":422.095,"end":423.055,"sentiment":"neutral","sentiment_score":0.13892071197430292},{"text":"After that twelve month mark, I'll hopefully, they should be putting a lot more out there for you.","start":423.055,"end":428.035,"sentiment":"positive","sentiment_score":0.3886214958296882},{"text":"Perfect.","start":428.575,"end":428.975,"sentiment":"positive","sentiment_score":0.7327442169189453}],"sentiment":"neutral","sentiment_score":0.29302461352199316,"num_words":32,"start":415.22998,"end":428.975},{"sentences":[{"text":"Well, in order to make sure you are covered up to the maximum, so 70% of your current income at a 109,000, I am recommending that you do apply for income protection with the monthly benefit amount of 6,538.","start":428.975,"end":443.0,"sentiment":"neutral","sentiment_score":0.2818563687495696},{"text":"We did talk about looking at holding this inside super and outside of super.","start":443.62,"end":447.8,"sentiment":"neutral","sentiment_score":0.06575172900089196},{"text":"I am recommending you do hold this policy fully inside super.","start":448.295,"end":451.495,"sentiment":"neutral","sentiment_score":0.16449144889007916},{"text":"The premiums are coming out of your super fund and not out of your back pocket.","start":451.495,"end":455.275,"sentiment":"neutral","sentiment_score":0.08956643706187606},{"text":"Just to make it a bit easy, the cost of living is extremely high and fuel, even though the excess is being cut, still cuts into our budget pretty significantly.","start":455.89502,"end":463.43002,"sentiment":"neutral","sentiment_score":-0.07849586382508278}],"sentiment":"neutral","sentiment_score":0.11636832366612825,"num_words":110,"start":428.975,"end":463.43002},{"sentences":[{"text":"So limiting those out of pocket expenses is really important at the moment there.","start":465.97,"end":470.23,"sentiment":"neutral","sentiment_score":-0.011362248499478613},{"text":"With the income protection policy, I am recommending a thirty day waiting period.","start":471.41,"end":475.425,"sentiment":"neutral","sentiment_score":0.05475782631681515},{"text":"So this means you have to be off work for thirty days prior to making a claim.","start":475.425,"end":478.965,"sentiment":"neutral","sentiment_score":-0.01833363447119208},{"text":"If you think you're gonna be off that full thirty days, we always suggest let us know straight away so we can at least call and organize the claims forms to be, you know, organized and sent out for you so they can be completed ready for that thirty day cutoff mark.","start":479.345,"end":492.68,"sentiment":"neutral","sentiment_score":0.05808952346873971},{"text":"So once that thirty day hits, we submit all the paperwork to the insurer, and we get the claim underway nice and quickly for you.","start":492.68,"end":499.34,"sentiment":"neutral","sentiment_score":0.2266870605945587}],"sentiment":"neutral","sentiment_score":0.07379289431697574,"num_words":121,"start":465.97,"end":499.34},{"sentences":[{"text":"Okay?","start":499.4,"end":499.9,"sentiment":"neutral","sentiment_score":0.10199818015098572},{"text":"We're also recommending a two year benefit period.","start":500.855,"end":503.095,"sentiment":"neutral","sentiment_score":0.14934045169502497},{"text":"So when we kinda talked about those, you were happy with just a smaller benefit period, hoping that you wouldn't need to be off work for any longer than two years, but also noting that your husband has a good income as well.","start":503.095,"end":512.935,"sentiment":"neutral","sentiment_score":0.18904192381820015},{"text":"So it's a bit of a buffer in the event that you're not being able to work in the shortest term there.","start":512.935,"end":517.61,"sentiment":"neutral","sentiment_score":0.07687036202035168},{"text":"Okay.","start":517.61,"end":518.11,"sentiment":"neutral","sentiment_score":0.0812268853187561}],"sentiment":"neutral","sentiment_score":0.14930532490213713,"num_words":75,"start":499.4,"end":518.11},{"sentences":[{"text":"With the current insurances, you do only have life and CP at the moment.","start":519.69,"end":523.29004,"sentiment":"neutral","sentiment_score":0.03165984499667372},{"text":"So your current yearly premium's $521.97 there.","start":523.29004,"end":528.255,"sentiment":"neutral","sentiment_score":0.0389544955853905},{"text":"By looking at the increase that we are recommending there, it does increase your total premium to $1,693 there.","start":528.735,"end":536.755,"sentiment":"neutral","sentiment_score":0.1509771601934182},{"text":"So that's essentially giving you an increase of about $1,158.","start":536.815,"end":541.53,"sentiment":"neutral","sentiment_score":0.2056469589471817},{"text":"And majority of that is the income protection there, so all being paid out is super to make it easier on your budget.","start":542.09,"end":548.19,"sentiment":"positive","sentiment_score":0.5150736635145934}],"sentiment":"neutral","sentiment_score":0.23955683826073393,"num_words":73,"start":519.69,"end":548.19},{"sentences":[{"text":"Okay?","start":548.41003,"end":548.91003,"sentiment":"neutral","sentiment_score":0.2202203869819641},{"text":"The benefits here are that by increasing your life and TPD, you get that extra 100,000 added on there, which is a benefit to you.","start":550.17004,"end":556.545,"sentiment":"positive","sentiment_score":0.4682797527313232},{"text":"It means you get more paid out in the event of a claim, which is really important to have, and having that monthly benefit in the in the event that you're unable to work in a shorter term due to illness or injury.","start":556.545,"end":566.645,"sentiment":"neutral","sentiment_score":0.2890437456757523},{"text":"The when we do look at increase, obviously, you do have your life on PVD.","start":567.745,"end":571.85,"sentiment":"neutral","sentiment_score":0.07520610143740972},{"text":"I am recommending the increase stay with ClearView.","start":571.91,"end":574.14996,"sentiment":"neutral","sentiment_score":0.1628297846764326}],"sentiment":"neutral","sentiment_score":0.2911611420466848,"num_words":92,"start":548.41003,"end":574.14996},{"sentences":[{"text":"I did look at all the other insurers out there and looked at the options for other insurance options.","start":574.14996,"end":579.19,"sentiment":"neutral","sentiment_score":0.1283863602500213},{"text":"However, ClearView came out to be the best quality mostly because you already have that Clearview policy.","start":579.19,"end":585.02496,"sentiment":"neutral","sentiment_score":0.30922115462667804},{"text":"So just increasing your life and CBD with Clearview means they're only gonna underwrite that extra 100,000 for the life and CBD and underwrite that new income policy.","start":585.02496,"end":595.41,"sentiment":"neutral","sentiment_score":0.14155151867972954},{"text":"So if there are any changes to your health from when we last spoke or when we last, were able to go through the application, it does mean that if there are changes to your health or what, you know, there could be loadings or exclusions applied to that increased policy.","start":595.41,"end":609.59,"sentiment":"neutral","sentiment_score":-0.007503799728903116},{"text":"However, if there are, they would only apply to the increase.","start":610.125,"end":613.085,"sentiment":"neutral","sentiment_score":-0.02174823189323599}],"sentiment":"neutral","sentiment_score":0.08760014809076748,"num_words":126,"start":574.14996,"end":613.085},{"sentences":[{"text":"They wouldn't be backdated to the the last part of the policy, the policy you currently hold, if that makes sense.","start":613.085,"end":618.925,"sentiment":"neutral","sentiment_score":0.037324394387680856},{"text":"Okay?","start":618.925,"end":619.425,"sentiment":"neutral","sentiment_score":0.044430460780858994},{"text":"Yep.","start":620.125,"end":620.445,"sentiment":"neutral","sentiment_score":0.1280762255191803},{"text":"Perfect.","start":620.445,"end":620.945,"sentiment":"positive","sentiment_score":0.3491545617580414},{"text":"I know when we sort of spoke, there was nothing major that had come out as a red flag.","start":621.16504,"end":624.81,"sentiment":"neutral","sentiment_score":-0.01113228578316538}],"sentiment":"neutral","sentiment_score":0.02544093256556364,"num_words":43,"start":613.085,"end":624.81},{"sentences":[{"text":"You're nice and healthy, so I don't expect anything.","start":624.81,"end":627.87,"sentiment":"neutral","sentiment_score":0.21248928209145865},{"text":"But when we go through the application with my lovely team members here, they'll flag anything with me that I need to review for you.","start":628.08997,"end":634.75,"sentiment":"neutral","sentiment_score":0.12884618937969208},{"text":"Okay?","start":634.81,"end":635.31,"sentiment":"neutral","sentiment_score":0.1706683337688446},{"text":"Beautiful.","start":636.045,"end":636.545,"sentiment":"neutral","sentiment_score":0.2182635962963104},{"text":"The disadvantages are that, obviously, if your health has changes, then the increase could exceed exclude into all loadings, but we'll sort of touch base on that one.","start":637.245,"end":644.765,"sentiment":"neutral","sentiment_score":-0.18464452108102186}],"sentiment":"neutral","sentiment_score":0.005506931454874575,"num_words":64,"start":624.81,"end":644.765},{"sentences":[{"text":"And if we need to, I'll review the policy or the application prior to it going through to the underwriters to see whether we need to have anything changed.","start":644.765,"end":652.23,"sentiment":"neutral","sentiment_score":-0.011980624318123868},{"text":"It does increase the amount you are paying to your insurances by that $1,158.96.","start":653.33,"end":659.59,"sentiment":"neutral","sentiment_score":0.11642651659037385},{"text":"However, it's about making sure that you do have the level of cover that suits you and meets your goals as well.","start":659.97003,"end":665.20496,"sentiment":"neutral","sentiment_score":0.17745996402068573},{"text":"Okay?","start":665.26495,"end":665.76495,"sentiment":"neutral","sentiment_score":0.031985536217689514},{"text":"These policies are set.","start":667.105,"end":668.625,"sentiment":"neutral","sentiment_score":-0.014138003811240196}],"sentiment":"neutral","sentiment_score":0.0737440836638208,"num_words":70,"start":644.765,"end":668.625},{"sentences":[{"text":"That essentially means that they do increase as you get older as the risk of you making a claim increases.","start":668.625,"end":674.165,"sentiment":"neutral","sentiment_score":-0.15544748306274414},{"text":"So I I and your review, I wanna review these with you.","start":674.225,"end":677.55,"sentiment":"neutral","sentiment_score":0.06286133546382189},{"text":"We should be able to start hopefully reducing the cover back as your super balance increases, as your mortgage decreases, as you get closer to retirement there to alleviate the cost the pressure on your super, the cost of your premiums.","start":678.02997,"end":690.61,"sentiment":"neutral","sentiment_score":0.1977842653669962},{"text":"And, hopefully, by the time you retire, have a beautiful super balance so you're completely debt free and not need any insurances at all.","start":690.75,"end":697.225,"sentiment":"positive","sentiment_score":0.4993083116908868},{"text":"Okay.","start":697.445,"end":697.945,"sentiment":"positive","sentiment_score":0.3583284020423889}],"sentiment":"neutral","sentiment_score":0.18465580741817855,"num_words":98,"start":668.625,"end":697.945},{"sentences":[{"text":"Beautiful.","start":698.40497,"end":698.90497,"sentiment":"positive","sentiment_score":0.5638144612312317},{"text":"One of the other benefits that I looked at with Clearview is that we've recommended this policy be held solely inside super.","start":699.845,"end":706.425,"sentiment":"neutral","sentiment_score":0.27903235297311435},{"text":"Clearly, as a whole with your income protection, also have the added benefit of what's called an income protection.","start":706.87,"end":712.89,"sentiment":"neutral","sentiment_score":0.23599922578585775},{"text":"It's like a secondary contract that is held outside of super.","start":713.83,"end":717.29004,"sentiment":"neutral","sentiment_score":0.10826683823357929},{"text":"So it's an essentially, in the event that you're unable you're off board with working sorry, unemployed, but you're unable to go to work due to illness or injury, they actually do provide provide us complimentary out of super contract on your income protection, which means you can claim if you're unable to work.","start":717.59,"end":733.65,"sentiment":"neutral","sentiment_score":0.04882934423922389}],"sentiment":"neutral","sentiment_score":0.14031991893512624,"num_words":107,"start":698.40497,"end":733.65},{"sentences":[{"text":"It doesn't sort of it's not if you are, say, let laid off or if you quit your job.","start":734.05005,"end":740.21,"sentiment":"neutral","sentiment_score":-0.08531811603001858},{"text":"It's more this if you're unemployed, if you have quit your job, or if you have been laid off and you are physically looking for work and you're unable to do so because of injury or illness, and they do allow us to make a claim.","start":740.21,"end":751.595,"sentiment":"neutral","sentiment_score":-0.051561078866538795},{"text":"So this is one of the added benefits that Clearview hold with this policy.","start":751.595,"end":754.975,"sentiment":"neutral","sentiment_score":0.2299639013196741},{"text":"And, normally, you don't sorta get those options with a lot of the insurers.","start":755.755,"end":759.21497,"sentiment":"neutral","sentiment_score":-0.01178292535977172},{"text":"So it's another good reason why we're staying with Clearview for you gives you the added benefit.","start":759.27496,"end":763.83,"sentiment":"positive","sentiment_score":0.4470843988306382}],"sentiment":"neutral","sentiment_score":0.06056467828298496,"num_words":110,"start":734.05005,"end":763.83},{"sentences":[{"text":"Okay?","start":764.21,"end":764.71,"sentiment":"neutral","sentiment_score":0.2378121018409729},{"text":"Some other key advantages with regard to this is they do also have what's called the recovery support services as part of the claims process.","start":766.05,"end":773.41003,"sentiment":"positive","sentiment_score":0.4521211445331573},{"text":"So this provides the added assistance assistance beyond income replacement, helping to support you with the recovery and return to work.","start":773.41003,"end":780.08496,"sentiment":"positive","sentiment_score":0.4752755732763381},{"text":"So, obviously, insurance, when you go on a claim, don't wanna be paying the claim for two years.","start":780.225,"end":784.38495,"sentiment":"neutral","sentiment_score":0.2520771299799283},{"text":"They wanna get you back to work.","start":784.38495,"end":786.08496,"sentiment":"positive","sentiment_score":0.580982506275177}],"sentiment":"positive","sentiment_score":0.4184151894102494,"num_words":72,"start":764.21,"end":786.08496},{"sentences":[{"text":"It's partly so they don't have to pay the whole claim, but it's also about your mental health as well.","start":786.305,"end":790.62,"sentiment":"positive","sentiment_score":0.39164087623357774},{"text":"Because the longer we're off work on injuries or illness claims, the more it can affect our our mental health as well.","start":790.62,"end":797.9,"sentiment":"neutral","sentiment_score":-0.12178753544999794},{"text":"So they do provide an agreed they provide third party services such as rehabilitation, medical equipment, and or refilling and training programs.","start":797.9,"end":808.20496,"sentiment":"neutral","sentiment_score":0.20104234733364798},{"text":"These are designed to support you in recovery and illness and getting you back to work quicker.","start":808.745,"end":814.125,"sentiment":"positive","sentiment_score":0.3804322972017176},{"text":"Okay?","start":814.345,"end":814.845,"sentiment":"neutral","sentiment_score":0.30451536178588867}],"sentiment":"neutral","sentiment_score":0.19936936341862127,"num_words":82,"start":786.305,"end":814.845},{"sentences":[{"text":"As I think if you're wanting to if you're gonna be paying for insurances, you wanna get the best benefits you can out of these sorts of products.","start":815.785,"end":821.305,"sentiment":"neutral","sentiment_score":0.31029955936329706},{"text":"So utilizing them where you can and when you're on a claim.","start":821.305,"end":824.4,"sentiment":"neutral","sentiment_score":0.29418084273735684},{"text":"If the insurer provides these sorts of benefits to you, you've been paying the premiums, you're more than entitled to use them.","start":824.4,"end":830.72003,"sentiment":"neutral","sentiment_score":0.3037265606901862},{"text":"So it's one of the things I do like about these things.","start":830.72003,"end":833.62,"sentiment":"neutral","sentiment_score":0.24243592222531637},{"text":"You do have your life cover there as well, which pays out a lump sum benefit in the event of passing away.","start":834.255,"end":839.375,"sentiment":"neutral","sentiment_score":0.2273843525485559}],"sentiment":"neutral","sentiment_score":0.2792940513851742,"num_words":96,"start":815.785,"end":839.375},{"sentences":[{"text":"However, with the Clearview policy, having income protection covered there, it also has the added benefit sorry, of providing a lump sum payment in the event of passing whilst you're on a claim.","start":839.375,"end":850.54004,"sentiment":"neutral","sentiment_score":0.13618358518138077},{"text":"So whilst the policy is enforced or if you're on a claim and you were to pass away, the income protection cover pays out a benefit equal to six times your monthly benefit to your beneficiary as a death benefit.","start":850.54004,"end":863.615,"sentiment":"neutral","sentiment_score":0.17084754705429078},{"text":"It's up to a maximum $50,000.","start":863.615,"end":866.175,"sentiment":"neutral","sentiment_score":0.18905695776144663},{"text":"So it does mean that you're not only your last policy gets paid out, but your partner can also receive the added benefit of a bit extra paid out of your income protection policy as a death benefit.","start":866.175,"end":877.23004,"sentiment":"neutral","sentiment_score":0.2034394056781342},{"text":"So it's a bit more of a buffer.","start":877.23004,"end":878.69,"sentiment":"neutral","sentiment_score":0.08846125472337008}],"sentiment":"neutral","sentiment_score":0.1672055151462555,"num_words":125,"start":839.375,"end":878.69},{"sentences":[{"text":"Okay?","start":878.91003,"end":879.41003,"sentiment":"neutral","sentiment_score":0.1874360889196396},{"text":"All good.","start":881.31,"end":882.05,"sentiment":"positive","sentiment_score":0.6206463277339935},{"text":"I do also have a few more advantages, disadvantages, risks, and alternatives that have been considered in there.","start":882.59,"end":888.205,"sentiment":"neutral","sentiment_score":0.09882402564916345},{"text":"When you're looking at the document, feel free to run your eyes over that one.","start":888.205,"end":891.405,"sentiment":"neutral","sentiment_score":0.10772002538045247},{"text":"Have a bit of a look there.","start":891.405,"end":892.705,"sentiment":"neutral","sentiment_score":0.1304862999490329}],"sentiment":"neutral","sentiment_score":0.13341315549819968,"num_words":43,"start":878.91003,"end":892.705},{"sentences":[{"text":"If you do have any questions, let me know.","start":892.925,"end":895.005,"sentiment":"neutral","sentiment_score":0.15231014291445413},{"text":"And if you are happy to sign that one and take on those recommendations, we'll just get get you to sign the document back, and I'll book you with one one of my lovely team members to go through the application.","start":895.005,"end":903.59,"sentiment":"neutral","sentiment_score":0.2487285438834167},{"text":"Okay.","start":903.97003,"end":904.47003,"sentiment":"positive","sentiment_score":0.3486127257347107},{"text":"Excellent.","start":905.73,"end":906.23,"sentiment":"positive","sentiment_score":0.6205369830131531},{"text":"Now with these changes, as I kinda mentioned, we have noted with what's been happening in the world generally that we did sort of flag some things in your super when I was reviewing everything.","start":907.33,"end":915.705,"sentiment":"neutral","sentiment_score":0.08750494558896338}],"sentiment":"neutral","sentiment_score":0.1793159125265719,"num_words":87,"start":892.925,"end":915.705},{"sentences":[{"text":"There has been some changes to the market, which I wanted to make sure are reflective of your super as well.","start":916.24506,"end":921.065,"sentiment":"neutral","sentiment_score":0.11864634887093589},{"text":"So I have decided as part of this, we are retaining Hub 24.","start":921.445,"end":924.565,"sentiment":"neutral","sentiment_score":0.023524317890405655},{"text":"It is a great fund.","start":924.565,"end":925.68506,"sentiment":"neutral","sentiment_score":0.2847838968038559},{"text":"However, some of your underlying investors have have been underperforming a little bit there.","start":925.68506,"end":929.84,"sentiment":"neutral","sentiment_score":-0.30801605007478167},{"text":"So I wanted to have those removed, and I wanted to move you into a portfolio that has been performing a little bit better.","start":929.84,"end":935.44,"sentiment":"neutral","sentiment_score":-0.07055878608177106}],"sentiment":"neutral","sentiment_score":-0.02317307304058756,"num_words":77,"start":916.24506,"end":935.44},{"sentences":[{"text":"Okay?","start":935.44,"end":935.94,"sentiment":"neutral","sentiment_score":-0.018864106386899948},{"text":"So when we are when you are looking at the document, you'll see on page 16, we essentially have what we are gonna be buying and selling.","start":937.2,"end":943.86005,"sentiment":"neutral","sentiment_score":-0.02056968467379058},{"text":"But as part of these changes, you did initially have the Bennelong Australian equities in there.","start":944.055,"end":949.675,"sentiment":"neutral","sentiment_score":-0.06183861522004008},{"text":"You had quite a lot of Bennelong Australian equities.","start":949.895,"end":952.21497,"sentiment":"neutral","sentiment_score":-0.09931532500518693},{"text":"Unfortunately, Bennelong have had some issues in their management, and they have unfortunately been underperforming significantly.","start":952.21497,"end":955.8097,"sentiment":"neutral","sentiment_score":-0.3088127803057432}],"sentiment":"neutral","sentiment_score":-0.1072247224063545,"num_words":69,"start":935.44,"end":955.8097},{"sentences":[{"text":"So I am selling all of them off.","start":955.8097,"end":955.895,"sentiment":"neutral","sentiment_score":-0.26438511721789837},{"text":"I am selling all of them off.","start":955.895,"end":960.62,"sentiment":"neutral","sentiment_score":-0.1374061948486737},{"text":"I am also removing the Rafi Aussie 200 out of there.","start":961.16,"end":965.32,"sentiment":"neutral","sentiment_score":-0.012126279148188505},{"text":"I'm also removing some of the cybersecurity, just kind of rebalancing that for you.","start":965.32,"end":969.63995,"sentiment":"neutral","sentiment_score":0.0003405126876064713},{"text":"Just a bit overexposed in that area at the moment, and we'll be rebalancing gold as well.","start":969.63995,"end":975.175,"sentiment":"neutral","sentiment_score":-0.15039057470858097}],"sentiment":"neutral","sentiment_score":-0.1010909818374274,"num_words":57,"start":955.8097,"end":975.175},{"sentences":[{"text":"So while gold has been performing really well over the twelve months, it is a growth investment, and we wanna cement some of those gains and have them reinvested back into other areas there for you in your portfolio.","start":975.175,"end":986.875,"sentiment":"neutral","sentiment_score":0.3146785996281184},{"text":"The BetaShares Global Agriculture, we're gonna get rid of all of that.","start":988.03,"end":992.11005,"sentiment":"neutral","sentiment_score":-0.128706943243742},{"text":"It has been good over the past.","start":992.11005,"end":993.55005,"sentiment":"neutral","sentiment_score":0.048140031950814385},{"text":"You had about 3% in there, but it's sort of not performing the way we wanted it to recently, so we're gonna remove that from your portfolio as well.","start":993.55005,"end":1001.97003,"sentiment":"neutral","sentiment_score":-0.18121036758710599},{"text":"And also the bank hybrid.","start":1002.895,"end":1004.335,"sentiment":"neutral","sentiment_score":-0.05363044589757919}],"sentiment":"neutral","sentiment_score":0.06023597174688526,"num_words":92,"start":975.175,"end":1004.335},{"sentences":[{"text":"So they're actually being phased out by the government over the next couple of years.","start":1004.335,"end":1008.015,"sentiment":"neutral","sentiment_score":-0.06356489931543668},{"text":"So we thought while we're looking at maneuvering things, we'll remove those completely out of there as well and reallocate the funds to something that's got more of a long term view for you.","start":1008.015,"end":1017.155,"sentiment":"neutral","sentiment_score":0.034526704901866996},{"text":"Okay?","start":1017.375,"end":1017.875,"sentiment":"neutral","sentiment_score":0.10288187861442566},{"text":"So removing all of those investments, we are keeping gold, just rebalancing it, bringing it back to about 10%, cementing some of the gains that you've seen, and reinvesting those in other areas since, you know, provide a bit more of a cushion effect and keep those gains rolling a bit.","start":1019.35,"end":1033.305,"sentiment":"positive","sentiment_score":0.39518722862589595},{"text":"We are keeping the S and P 500.","start":1033.8651,"end":1036.025,"sentiment":"neutral","sentiment_score":0.19900628551840782}],"sentiment":"neutral","sentiment_score":0.20247628715242486,"num_words":109,"start":1004.335,"end":1036.025},{"sentences":[{"text":"We're gonna buy a bit more into that.","start":1036.025,"end":1037.625,"sentiment":"neutral","sentiment_score":0.19734675623476505},{"text":"I know there is a lot of talk of what's happening in the world generally, but when you look at the S and P 500, it is still a good investment to have.","start":1037.625,"end":1044.6051,"sentiment":"neutral","sentiment_score":0.28225846791809256},{"text":"One of the benefits of the S and P 500 is that it attracts the S and P 500 index.","start":1044.905,"end":1049.99,"sentiment":"positive","sentiment_score":0.38215649500489235},{"text":"And in order for the companies in The US to be in that index, they have to meet a certain criteria.","start":1050.21,"end":1055.03,"sentiment":"neutral","sentiment_score":0.2673083714076451},{"text":"So the index investment committee actually meet every quarter, and they determine whether companies are just are able to be in that S and P index or not.","start":1055.49,"end":1064.055,"sentiment":"neutral","sentiment_score":0.19257889155830657}],"sentiment":"neutral","sentiment_score":0.26856471049514685,"num_words":110,"start":1036.025,"end":1064.055},{"sentences":[{"text":"If they no longer qualify, they are removed and replaced with something else that does qualify to be in there.","start":1064.295,"end":1069.655,"sentiment":"neutral","sentiment_score":0.10956139713525773},{"text":"So it sort of gives you a bit of clarity that you are always invested in the top 500 companies and not invested in underperforming companies in that area because they are removed out when they no longer meet the criteria.","start":1069.655,"end":1082.27,"sentiment":"neutral","sentiment_score":-0.001593477478841456},{"text":"So it is still a really good place to be.","start":1082.65,"end":1084.97,"sentiment":"positive","sentiment_score":0.5611128479242324},{"text":"It has been a bit volatile.","start":1084.97,"end":1086.3301,"sentiment":"positive","sentiment_score":0.4521801322698593},{"text":"It is a growth investment, but it does when you look at it over the course of ten to twenty or thirty years, does give you great returns.","start":1086.3301,"end":1093.305,"sentiment":"positive","sentiment_score":0.49456350186041426}],"sentiment":"neutral","sentiment_score":0.23140840658119746,"num_words":105,"start":1064.295,"end":1093.305},{"sentences":[{"text":"So it is still a good place to have your investment.","start":1093.305,"end":1095.645,"sentiment":"positive","sentiment_score":0.593926494771784},{"text":"Okay?","start":1097.385,"end":1097.865,"sentiment":"neutral","sentiment_score":0.08102098107337952},{"text":"We've also got the iShares Europe.","start":1097.865,"end":1099.885,"sentiment":"neutral","sentiment_score":0.10274362936615944},{"text":"So, again, Europe has still seen a bit of the ups and downs as what is happening with Iran at the moment, but it is still a really good place to be invested and does provide a diversification.","start":1099.945,"end":1109.43,"sentiment":"neutral","sentiment_score":0.21263131087547854},{"text":"This is not one or two or three European countries.","start":1109.89,"end":1112.2101,"sentiment":"neutral","sentiment_score":0.03886455949395895}],"sentiment":"neutral","sentiment_score":0.2378683273934505,"num_words":66,"start":1093.305,"end":1112.2101},{"sentences":[{"text":"It's encompassing all of them.","start":1112.2101,"end":1113.7301,"sentiment":"neutral","sentiment_score":0.042555002868175505},{"text":"So some of the companies within Europe are still seeing great returns and positive things are occurring, whilst other areas in Europe are not seeing as good of returns.","start":1113.7301,"end":1122.245,"sentiment":"neutral","sentiment_score":0.28542163223028183},{"text":"So it is still a great place to be.","start":1122.245,"end":1124.165,"sentiment":"positive","sentiment_score":0.5608940356307559},{"text":"We're only gonna have about 8% of your portfolio in there, but having that is good for diversification and long term growth as well.","start":1124.165,"end":1131.0651,"sentiment":"positive","sentiment_score":0.37042722416420776},{"text":"Okay?","start":1131.125,"end":1131.625,"sentiment":"neutral","sentiment_score":0.11862071603536606}],"sentiment":"neutral","sentiment_score":0.3315723936128266,"num_words":68,"start":1112.2101,"end":1131.625},{"sentences":[{"text":"Japan.","start":1132.7999,"end":1133.2999,"sentiment":"neutral","sentiment_score":0.10047895461320876},{"text":"So the iShares Japan is a great place to be invested, again, giving you a little bit more diversification.","start":1133.52,"end":1138.1,"sentiment":"neutral","sentiment_score":0.2814806558583912},{"text":"Over the last sort of twelve months, we did see where a lot of times the Australian market or, say, The US market might not be performing as well.","start":1139.0399,"end":1146.72,"sentiment":"neutral","sentiment_score":0.02026401299597888},{"text":"We do tend to find Japan tends to work separately.","start":1146.72,"end":1150.055,"sentiment":"neutral","sentiment_score":0.0812591291964054},{"text":"So where Australia and US might be going down, Japan tends to show it goes up a little bit.","start":1150.1951,"end":1154.675,"sentiment":"neutral","sentiment_score":0.1292384068824743}],"sentiment":"neutral","sentiment_score":0.11928703609662943,"num_words":78,"start":1132.7999,"end":1154.675},{"sentences":[{"text":"So it is good there for diversification.","start":1154.675,"end":1156.535,"sentiment":"neutral","sentiment_score":0.288841187953949},{"text":"It doesn't work.","start":1156.995,"end":1157.9551,"sentiment":"neutral","sentiment_score":0.05024653424819311},{"text":"It's not correlated to other areas.","start":1157.9551,"end":1160.115,"sentiment":"neutral","sentiment_score":0.07416745461523533},{"text":"It does sort of have its own sort of correlation, which is great, and Japan has seen some good returns.","start":1160.115,"end":1166.24,"sentiment":"neutral","sentiment_score":0.317231597751379},{"text":"And they're also because of what's happening with China with a lot of the the increased tensions throughout China, a lot of things are moving into Japan.","start":1166.78,"end":1173.4199,"sentiment":"neutral","sentiment_score":0.20767274995644888}],"sentiment":"neutral","sentiment_score":0.23126077539627515,"num_words":63,"start":1154.675,"end":1173.4199},{"sentences":[{"text":"So we do see it as a much a much greater growth area moving forward, and we'll put about 5% of your portfolio in that investment option.","start":1173.4199,"end":1182.185,"sentiment":"positive","sentiment_score":0.3506997713336238},{"text":"Okay?","start":1182.3251,"end":1182.8251,"sentiment":"neutral","sentiment_score":0.1806662678718567},{"text":"We have the Vanguard or WorldX US.","start":1184.165,"end":1186.8251,"sentiment":"neutral","sentiment_score":0.10879101444567953},{"text":"So this is essentially looking at all the world globally, so every country minus The US because you do have the S and P 500.","start":1186.885,"end":1194.5499,"sentiment":"neutral","sentiment_score":0.017948362901806833},{"text":"One of the big things about looking at diversification is diversifying globally.","start":1194.9299,"end":1199.35,"sentiment":"neutral","sentiment_score":0.11723208458473285}],"sentiment":"neutral","sentiment_score":0.17036932336890864,"num_words":72,"start":1173.4199,"end":1199.35},{"sentences":[{"text":"So we're looking at not only Europe, Japan, The US, Australia, and other developed nations, but also other developing nations as well.","start":1199.57,"end":1207.185,"sentiment":"neutral","sentiment_score":0.10535563799467954},{"text":"So you've got some current countries that have got great returns that have seen in the past, which might correlate and move together, but other developing nations that might are expected to see really good growth moving forward there as well.","start":1207.185,"end":1220.27,"sentiment":"positive","sentiment_score":0.34517273924699643},{"text":"And this Vanguard or World ex US investment option gives you diversification in those sorts of areas, and we're only putting about 8% in there for you.","start":1220.27,"end":1229.385,"sentiment":"neutral","sentiment_score":0.2520088994944537},{"text":"So it's more of a, you know, a branch out kinda area that we wanna see great growth in for you, but it is tracking the all world index as well.","start":1229.385,"end":1238.3451,"sentiment":"neutral","sentiment_score":0.2603684682999888},{"text":"Okay?","start":1238.3451,"end":1238.8451,"sentiment":"neutral","sentiment_score":0.07536878436803818}],"sentiment":"neutral","sentiment_score":0.25754867158219463,"num_words":122,"start":1199.57,"end":1238.8451},{"sentences":[{"text":"We've got the BetaShares Australian 200.","start":1240.265,"end":1242.425,"sentiment":"neutral","sentiment_score":0.0523399127026399},{"text":"Now because we are getting rid of the Raffi and the Beddalong Australian Equities, putting that into the a 200, this is a tracking following the top 200 companies on the ASX.","start":1242.425,"end":1254.03,"sentiment":"neutral","sentiment_score":0.06967075739521533},{"text":"And, again, just like the S and P 500, it tracks an index.","start":1254.03,"end":1257.33,"sentiment":"neutral","sentiment_score":0.06602435702314743},{"text":"And for companies to be in that index, they have to meet a certain criteria.","start":1257.615,"end":1261.075,"sentiment":"neutral","sentiment_score":0.05344125740230084},{"text":"So if that company's you know, when they meet if the when the investment committee meet, if the company doesn't meet the criteria, they are moved out and something else is placed in its in its place.","start":1261.375,"end":1270.83,"sentiment":"neutral","sentiment_score":0.016458448859535763}],"sentiment":"neutral","sentiment_score":0.046722347796126044,"num_words":103,"start":1240.265,"end":1270.83},{"sentences":[{"text":"The a 200 is good.","start":1271.3099,"end":1272.51,"sentiment":"positive","sentiment_score":0.40386272966861725},{"text":"It's more passive.","start":1272.51,"end":1273.3099,"sentiment":"positive","sentiment_score":0.44561543067296344},{"text":"It's also cheaper than having been along in there, so it actually saves you on investment fees, which is another great asset.","start":1273.3099,"end":1279.6499,"sentiment":"positive","sentiment_score":0.5120271539146249},{"text":"And the a 200 is tracking it's more passive.","start":1280.19,"end":1283.1499,"sentiment":"neutral","sentiment_score":0.28012727200984955},{"text":"So it tracks the index up and down, participating in the market.","start":1283.1499,"end":1286.6849,"sentiment":"neutral","sentiment_score":0.2941124973197778}],"sentiment":"positive","sentiment_score":0.4053186812237197,"num_words":51,"start":1271.3099,"end":1286.6849},{"sentences":[{"text":"So you're not trying you don't have investment managers who are trying to outperform indexes and risking a lot more.","start":1286.6849,"end":1292.545,"sentiment":"neutral","sentiment_score":0.23119755312800408},{"text":"It's a lot more passive, a lot lower cost, and has seen greater returns in the past than what Benelon has.","start":1292.6849,"end":1297.985,"sentiment":"positive","sentiment_score":0.49183557076113565},{"text":"Okay.","start":1298.045,"end":1298.545,"sentiment":"neutral","sentiment_score":0.24797356128692627},{"text":"Excellent.","start":1299.89,"end":1300.39,"sentiment":"neutral","sentiment_score":0.12667182087898254},{"text":"And then because it's important to have some defensive investments as well, we are removing the bank hybrids out of there due to them being removed later on over the next couple of years.","start":1301.1699,"end":1309.73,"sentiment":"neutral","sentiment_score":0.027224731741144377}],"sentiment":"neutral","sentiment_score":0.2110751209079058,"num_words":77,"start":1286.6849,"end":1309.73},{"sentences":[{"text":"We're gonna move put you into the core composite bonds.","start":1309.73,"end":1312.47,"sentiment":"neutral","sentiment_score":0.08120681792497635},{"text":"So bonds are great defensive investments.","start":1312.765,"end":1315.105,"sentiment":"positive","sentiment_score":0.4487109382947286},{"text":"They are lower cost.","start":1315.165,"end":1316.365,"sentiment":"positive","sentiment_score":0.34837283939123154},{"text":"They are if you're putting money into corporate as well as company bonds.","start":1316.365,"end":1320.785,"sentiment":"neutral","sentiment_score":0.2233302123271502},{"text":"The bonds also encompasses bonds and bank notes and other sort of debt equities around the globe.","start":1321.245,"end":1330.0,"sentiment":"neutral","sentiment_score":0.16208359248497906}],"sentiment":"neutral","sentiment_score":0.21113077998161317,"num_words":50,"start":1309.73,"end":1330.0},{"sentences":[{"text":"So it's not just in Australia.","start":1330.0,"end":1331.28,"sentiment":"neutral","sentiment_score":0.14969590430458388},{"text":"This is also looking globally to give you diversification in your defensive investments as well.","start":1331.28,"end":1336.1799,"sentiment":"neutral","sentiment_score":0.26392488479614257},{"text":"And it's about 14% invested in in there.","start":1336.64,"end":1340.005,"sentiment":"neutral","sentiment_score":0.176046559587121},{"text":"One of the good things about bonds is they are income producing.","start":1340.005,"end":1342.805,"sentiment":"positive","sentiment_score":0.3882020637392998},{"text":"We wanna make sure you've got some income coming into your portfolio.","start":1342.805,"end":1345.405,"sentiment":"neutral","sentiment_score":0.3058622678120931}],"sentiment":"neutral","sentiment_score":0.2753621349638363,"num_words":53,"start":1330.0,"end":1345.405},{"sentences":[{"text":"It pays coupon payments or dividend payments like some of the shares do, and they go into your cash account, which can be reinvested, and it helps the compounding effect of your portfolio.","start":1345.405,"end":1355.4199,"sentiment":"neutral","sentiment_score":0.3024595795255719},{"text":"So I noticed a lot.","start":1355.5599,"end":1357.34,"sentiment":"neutral","sentiment_score":0.1271173819899559},{"text":"I have a look through those.","start":1357.5599,"end":1358.84,"sentiment":"neutral","sentiment_score":0.0689292134096225},{"text":"If you want me to kind of break them down more for you, I will.","start":1358.84,"end":1362.0599,"sentiment":"neutral","sentiment_score":0.07563554669419924},{"text":"I do just kinda go over them very basically so it's not not everyone's that interested in what they're invested in.","start":1362.12,"end":1367.595,"sentiment":"neutral","sentiment_score":0.01967073320632889}],"sentiment":"neutral","sentiment_score":0.15722433640621603,"num_words":80,"start":1345.405,"end":1367.595},{"sentences":[{"text":"But have a look.","start":1368.075,"end":1368.955,"sentiment":"neutral","sentiment_score":0.023975857999175787},{"text":"If you find you want more information, let me know.","start":1368.955,"end":1371.0349,"sentiment":"neutral","sentiment_score":0.025231088697910308},{"text":"But it's giving you a bit of an idea of what I'm moving and altering and changing for you.","start":1371.0349,"end":1375.515,"sentiment":"neutral","sentiment_score":0.05843318038080868},{"text":"Okay?","start":1375.515,"end":1376.015,"sentiment":"neutral","sentiment_score":0.055962178856134415},{"text":"Beautiful.","start":1377.755,"end":1378.255,"sentiment":"positive","sentiment_score":0.6831181049346924}],"sentiment":"neutral","sentiment_score":0.06278642942862851,"num_words":35,"start":1368.075,"end":1378.255},{"sentences":[{"text":"Ex excellent.","start":1378.715,"end":1379.775,"sentiment":"positive","sentiment_score":0.7740932106971741},{"text":"Now with this newer portfolio, as I kinda mentioned, it is saving investment fees.","start":1380.84,"end":1384.84,"sentiment":"neutral","sentiment_score":0.2022946093763624},{"text":"So we're moving the ban along and some of the higher cost investments out of there.","start":1384.84,"end":1388.84,"sentiment":"neutral","sentiment_score":0.09383153705857694},{"text":"With the changes, when I had a look at the difference in fees from where you are at the moment to the recommended portfolio, For the year, we can actually save you $665 investment fees.","start":1388.84,"end":1399.475,"sentiment":"neutral","sentiment_score":0.17398292060409273},{"text":"So it's pretty pretty decent cost cost reduction there, and that money stays invested in your portfolio for you, which can help for the longer term.","start":1399.475,"end":1408.5,"sentiment":"positive","sentiment_score":0.394757031248166}],"sentiment":"neutral","sentiment_score":0.239082801926841,"num_words":93,"start":1378.715,"end":1408.5},{"sentences":[{"text":"The newer portfolio has also seen a greater past performance.","start":1409.06,"end":1412.42,"sentiment":"positive","sentiment_score":0.3970566239207983},{"text":"So when we consider the newer portfolio with what you were in currently, were you starting a three year rolling average because the bank hybrids haven't been around long enough long enough to get a five year rolling average.","start":1412.42,"end":1422.84,"sentiment":"neutral","sentiment_score":0.019477004018158484},{"text":"But your current portfolio has averaged about 14.2%, and we know you don't get that every year.","start":1423.925,"end":1429.525,"sentiment":"neutral","sentiment_score":-0.0152403225793558},{"text":"But when we look at the average of what it can do over the past three years, this is what it sort of averaged out to be.","start":1429.525,"end":1435.44,"sentiment":"neutral","sentiment_score":0.06816057957432888},{"text":"With the newer portfolio, when we look at the past returns, it's averaged out to be about 16.86% over the past three years.","start":1435.7599,"end":1443.44,"sentiment":"neutral","sentiment_score":0.1460542746860048}],"sentiment":"neutral","sentiment_score":0.08336782653751815,"num_words":116,"start":1409.06,"end":1443.44},{"sentences":[{"text":"So the newer portfolio has seen greater past performance, which can, depending on markets down the track, can provide you with greater past future performance.","start":1443.44,"end":1452.285,"sentiment":"positive","sentiment_score":0.40241190254688264},{"text":"Okay?","start":1452.8251,"end":1453.3251,"sentiment":"neutral","sentiment_score":0.18514859676361084},{"text":"I also do need to make sure I mentioned that we did look at the tax consequences because we are buying and selling investments within your super fund there.","start":1454.8251,"end":1461.545,"sentiment":"neutral","sentiment_score":0.025980750163053644},{"text":"There are taxation consequences for doing so.","start":1461.545,"end":1464.12,"sentiment":"neutral","sentiment_score":-0.029770786740950177},{"text":"Your super fund does a tax return just like you do every year, and the estimated CGT for this is $1,008.","start":1464.2,"end":1471.5599,"sentiment":"neutral","sentiment_score":0.14807582894961038}],"sentiment":"neutral","sentiment_score":0.16747090139661927,"num_words":83,"start":1443.44,"end":1471.5599},{"sentences":[{"text":"So after we complete the full switch and have 24 try to do it in the most tax effective way for you, But we do estimate the super fund will pay a capital gains of $1,008, all covered by your super fund and not by you in any way to make it easy.","start":1471.5599,"end":1485.425,"sentiment":"neutral","sentiment_score":0.1012504497226679},{"text":"Okay?","start":1485.885,"end":1486.385,"sentiment":"neutral","sentiment_score":0.17749392986297607},{"text":"Yep.","start":1486.685,"end":1487.185,"sentiment":"neutral","sentiment_score":0.25614920258522034},{"text":"Perfect.","start":1487.645,"end":1488.045,"sentiment":"positive","sentiment_score":0.3417852520942688},{"text":"So, realistically, we're saving investment fees.","start":1488.045,"end":1490.285,"sentiment":"neutral","sentiment_score":0.12463762735327084}],"sentiment":"neutral","sentiment_score":0.11112141909618531,"num_words":62,"start":1471.5599,"end":1490.285},{"sentences":[{"text":"There is a CJT t consequence, but we are removing underperforming investments and putting you into investments in a portfolio that has seen greater past performance.","start":1490.285,"end":1498.97,"sentiment":"neutral","sentiment_score":-0.017645754869310904},{"text":"So we're looking to try and make sure that works harder for you moving down the track and keeping keep on reviewing these for you as well.","start":1499.03,"end":1505.67,"sentiment":"neutral","sentiment_score":0.09881584539457604},{"text":"Okay.","start":1505.67,"end":1506.17,"sentiment":"neutral","sentiment_score":0.33067476749420166},{"text":"Perfect.","start":1507.335,"end":1507.835,"sentiment":"positive","sentiment_score":0.6193506717681885},{"text":"With everything that we sort of have looked at with the projection table in there, I've got the next five to ten years there for you.","start":1508.855,"end":1514.695,"sentiment":"positive","sentiment_score":0.40755055386286515}],"sentiment":"neutral","sentiment_score":0.16982195109565867,"num_words":81,"start":1490.285,"end":1514.695},{"sentences":[{"text":"But, essentially, if the market's worked the way they have in the past, if this portfolio could, you know, over the longer term, provide the same level of returns as it has.","start":1514.695,"end":1523.58,"sentiment":"neutral","sentiment_score":0.31429514987394214},{"text":"Over the next ten years, you could see yourself with a bit over a million dollars and so forth.","start":1523.58,"end":1527.6599,"sentiment":"neutral","sentiment_score":0.1114277490659764},{"text":"So depending on how markets react, this could provide to be greater.","start":1527.6599,"end":1532.1599,"sentiment":"neutral","sentiment_score":0.26083665527403355},{"text":"However, it does just depend upon what markets do.","start":1532.5399,"end":1535.2799,"sentiment":"neutral","sentiment_score":-0.0010426197614934703},{"text":"Past performance isn't always an indicator of future performance.","start":1535.4199,"end":1538.565,"sentiment":"neutral","sentiment_score":-0.08048705384135246}],"sentiment":"neutral","sentiment_score":0.17988697319854924,"num_words":81,"start":1514.695,"end":1538.565},{"sentences":[{"text":"As we all know, markets are a little bit up and down at the moment, but with your contributions continuously going in, when the markets are taking a bit of a dip, we are taking advantage of those times as well.","start":1538.945,"end":1549.265,"sentiment":"neutral","sentiment_score":0.05672354941687933},{"text":"So we'll just sort of see how things are going, keep reviewing things, and keep you on track to get the best out of your super possible.","start":1549.265,"end":1555.61,"sentiment":"positive","sentiment_score":0.522350357638465},{"text":"Does that make sense?","start":1555.75,"end":1556.8099,"sentiment":"neutral","sentiment_score":0.2597879357635975},{"text":"Yeah.","start":1557.59,"end":1558.09,"sentiment":"neutral","sentiment_score":0.23306868970394137},{"text":"Beautiful.","start":1558.63,"end":1559.13,"sentiment":"positive","sentiment_score":0.5696783065795898}],"sentiment":"neutral","sentiment_score":0.24690572867119634,"num_words":74,"start":1538.945,"end":1559.13},{"sentences":[{"text":"The advantages here are that, essentially, the changes do save you in investment fees.","start":1560.63,"end":1565.315,"sentiment":"positive","sentiment_score":0.4307597002812794},{"text":"The disadvantage to other CGT consequences, but we've tried to limit those as much as possible.","start":1565.315,"end":1570.0549,"sentiment":"neutral","sentiment_score":0.06177892908453941},{"text":"And this reduction in the investment fees do tend to almost completely wipe out the CGT cost there.","start":1570.515,"end":1577.74,"sentiment":"neutral","sentiment_score":0.2550336230132315},{"text":"So it kind of is working quite well in your favor there.","start":1577.74,"end":1581.04,"sentiment":"positive","sentiment_score":0.4132201820611954},{"text":"I have recommended retaining Hub 24.","start":1581.3401,"end":1583.5801,"sentiment":"neutral","sentiment_score":0.26643066108226776}],"sentiment":"neutral","sentiment_score":0.2752565156781312,"num_words":66,"start":1560.63,"end":1583.5801},{"sentences":[{"text":"It is still a great platform, and the CGT on a full sell down to look at other platforms will be much higher.","start":1583.5801,"end":1589.2849,"sentiment":"neutral","sentiment_score":0.32640400658483093},{"text":"So this is more of a cost effective way to make sure your portfolio is working harder for you.","start":1589.2849,"end":1593.945,"sentiment":"neutral","sentiment_score":0.21122450028595172},{"text":"And HubSpot is still a great platform.","start":1594.1649,"end":1596.245,"sentiment":"positive","sentiment_score":0.4675965351717813},{"text":"There's been no real changes that require us to, you know, look at altering the platform in any way, but we'll keep reviewing that with you as well.","start":1596.245,"end":1603.0449,"sentiment":"neutral","sentiment_score":0.15206035040318966},{"text":"Okay.","start":1603.0449,"end":1603.5449,"sentiment":"neutral","sentiment_score":0.19421328604221344}],"sentiment":"neutral","sentiment_score":0.24673892949254084,"num_words":78,"start":1583.5801,"end":1603.5449},{"sentences":[{"text":"Beautiful.","start":1604.7,"end":1605.2,"sentiment":"positive","sentiment_score":0.3969151973724365},{"text":"As you do run your eyes through that document there, you will see I've got best interest duty statements, which essentially links the recommendations back to your goals and notes why all of these are in best interest for you.","start":1605.82,"end":1616.025,"sentiment":"neutral","sentiment_score":0.2663224168121815},{"text":"So we ought to have a bit of a read through those statements as well.","start":1616.105,"end":1618.5851,"sentiment":"neutral","sentiment_score":0.2201236049334208},{"text":"And, again, just let me know if there's any questions you have.","start":1618.5851,"end":1621.485,"sentiment":"neutral","sentiment_score":0.17578033482035002},{"text":"Okay?","start":1621.7051,"end":1622.2051,"sentiment":"neutral","sentiment_score":0.1894226372241974}],"sentiment":"neutral","sentiment_score":0.24131090723086093,"num_words":69,"start":1604.7,"end":1622.2051},{"sentences":[{"text":"Excellent.","start":1623.225,"end":1623.725,"sentiment":"positive","sentiment_score":0.5215485095977783},{"text":"The and the other thing I do wanna make sure I mention is we do receive remuneration for insurances.","start":1624.105,"end":1628.925,"sentiment":"neutral","sentiment_score":0.16614005322519101},{"text":"This is paid by the insurer and not by you.","start":1629.6,"end":1632.26,"sentiment":"neutral","sentiment_score":0.07099907174706459},{"text":"We do currently receive 66% of the first year's premium and 22% there ongoing from the insurer.","start":1632.64,"end":1638.82,"sentiment":"neutral","sentiment_score":0.03147939483032507},{"text":"These do have no effect on what my recommendations are.","start":1639.44,"end":1642.32,"sentiment":"neutral","sentiment_score":-0.09792762733995915}],"sentiment":"neutral","sentiment_score":0.06919427503619277,"num_words":57,"start":1623.225,"end":1642.32},{"sentences":[{"text":"My recommendations are to be made in your best interest.","start":1642.32,"end":1644.7999,"sentiment":"neutral","sentiment_score":0.10642473623156548},{"text":"As I mentioned, bound by the corporation back in the best interest duty to do so.","start":1644.7999,"end":1648.955,"sentiment":"neutral","sentiment_score":0.082891940837726},{"text":"But we do like to just make sure you're aware that the the premiums sorry.","start":1649.1749,"end":1654.5349,"sentiment":"neutral","sentiment_score":0.005789947447677453},{"text":"The remuneration is paid by the insurer to us, and we'd like to make sure it's fully disposed in there for you as well.","start":1654.5349,"end":1660.5549,"sentiment":"neutral","sentiment_score":0.06658315084253748},{"text":"Okay?","start":1660.695,"end":1661.195,"sentiment":"neutral","sentiment_score":0.03559933602809906}],"sentiment":"neutral","sentiment_score":0.062287311873991384,"num_words":66,"start":1642.32,"end":1661.195},{"sentences":[{"text":"Beautiful.","start":1662.3501,"end":1662.8501,"sentiment":"positive","sentiment_score":0.33917272090911865},{"text":"And then we also have in there the ongoing service fee.","start":1663.2301,"end":1665.7101,"sentiment":"neutral","sentiment_score":0.10637431388551538},{"text":"So you are paying that for our service at the moment.","start":1665.7101,"end":1667.79,"sentiment":"neutral","sentiment_score":0.04759450324557044},{"text":"That's about making sure that we are setting advice and looking at your portfolio and making sure you stay on track and in the right investments there.","start":1667.79,"end":1674.67,"sentiment":"neutral","sentiment_score":0.15322732690859725},{"text":"So that is at 1.65% random, and we've just disclosed that in there for you as well.","start":1674.67,"end":1680.075,"sentiment":"neutral","sentiment_score":0.066309864687569}],"sentiment":"neutral","sentiment_score":0.10891395873987852,"num_words":67,"start":1662.3501,"end":1680.075},{"sentences":[{"text":"Okay?","start":1680.215,"end":1680.715,"sentiment":"neutral","sentiment_score":0.10531257092952728},{"text":"Excellent.","start":1681.655,"end":1682.155,"sentiment":"positive","sentiment_score":0.546028733253479},{"text":"If you're happy with everything and you do decide to take on board the recommendations, how we'll implement things is we'll start by doing the investment switch.","start":1682.775,"end":1689.45,"sentiment":"positive","sentiment_score":0.4564107766857854},{"text":"We'll maneuver those investments nice and quick there for you, and then we'll also book in with one of our lovely team members to go through the insurance application so we can get those insurances updated for you as 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moment?","start":1701.7699,"end":1704.11,"sentiment":"neutral","sentiment_score":0.1302566759288311},{"text":"Yeah.","start":1708.0549,"end":1708.5549,"sentiment":"neutral","sentiment_score":0.0527818463742733},{"text":"No.","start":1715.495,"end":1715.995,"sentiment":"neutral","sentiment_score":-0.08048063516616821},{"text":"No.","start":1716.2949,"end":1716.775,"sentiment":"neutral","sentiment_score":-0.07786257565021515}],"sentiment":"neutral","sentiment_score":0.12746315623323123,"num_words":15,"start":1701.37,"end":1716.775},{"sentences":[{"text":"Got a long time to go yet.","start":1716.775,"end":1718.5549,"sentiment":"neutral","sentiment_score":-0.04132143248404775},{"text":"Yeah.","start":1718.695,"end":1719.195,"sentiment":"neutral","sentiment_score":0.032742228358983994},{"text":"No.","start":1720.6901,"end":1721.01,"sentiment":"neutral","sentiment_score":-0.01440676674246788},{"text":"That's it.","start":1721.01,"end":1726.53,"sentiment":"neutral","sentiment_score":0.03021092712879181},{"text":"Beautiful.","start":1726.53,"end":1727.03,"sentiment":"positive","sentiment_score":0.4032408595085144}],"sentiment":"neutral","sentiment_score":0.016062345666189987,"num_words":12,"start":1716.775,"end":1727.03},{"sentences":[{"text":"If you do like a bit of reading, I've also got some of the PDF documents in there for any of the recommendations I've made.","start":1730.93,"end":1736.535,"sentiment":"neutral","sentiment_score":0.14522357881069184},{"text":"I've got your current certificate of currency in there for you as well.","start":1736.535,"end":1739.755,"sentiment":"neutral","sentiment_score":0.19258552932968506},{"text":"And I've also added in there just our local financial services guide, which updates any details on us and has a lovely glossy photo of me in there for you as well.","start":1740.215,"end":1748.635,"sentiment":"positive","sentiment_score":0.42306381836533546},{"text":"Okay.","start":1748.6951,"end":1749.1951,"sentiment":"positive","sentiment_score":0.4363463819026947},{"text":"And, usually, well, I will let you go to review those ones.","start":1751.71,"end":1754.11,"sentiment":"positive","sentiment_score":0.36632000530759495}],"sentiment":"neutral","sentiment_score":0.2952340962028647,"num_words":83,"start":1730.93,"end":1754.11},{"sentences":[{"text":"Just let me know if there's any questions you have.","start":1754.11,"end":1755.79,"sentiment":"neutral","sentiment_score":0.31758537888526917},{"text":"It doesn't matter what it is.","start":1755.79,"end":1756.91,"sentiment":"neutral","sentiment_score":0.22832748045523962},{"text":"And, yeah, if you're happy to go forward with that, then Nick and Nicole, I'll just get you to assign and return those back, and we'll get them sorted for you.","start":1756.91,"end":1764.05,"sentiment":"positive","sentiment_score":0.3434225325622866},{"text":"My pleasure.","start":1766.265,"end":1766.905,"sentiment":"positive","sentiment_score":0.8554527759552002},{"text":"Thank you for your time.","start":1766.905,"end":1767.865,"sentiment":"positive","sentiment_score":0.8547833800315857}],"sentiment":"positive","sentiment_score":0.39216184505709895,"num_words":54,"start":1754.11,"end":1767.865},{"sentences":[{"text":"I hope you have a lovely afternoon.","start":1767.865,"end":1769.645,"sentiment":"positive","sentiment_score":0.8235850759914943},{"text":"Thanks.","start":1772.665,"end":1773.145,"sentiment":"positive","sentiment_score":0.6402167081832886},{"text":"You too, Nicole.","start":1773.145,"end":1773.945,"sentiment":"positive","sentiment_score":0.532877782980601},{"text":"See you later.","start":1773.945,"end":1774.765,"sentiment":"neutral","sentiment_score":0.29747360944747925},{"text":"Bye.","start":1775.145,"end":1775.645,"sentiment":"neutral","sentiment_score":-0.10637220740318298}],"sentiment":"positive","sentiment_score":0.5859996140003204,"num_words":15,"start":1767.865,"end":1775.645}]}}]},{"alternatives":[{"transcript":"Hello. Nicole speaking. Hi. Good. Thank you. And yourself? Yes. Yeah. That's all good. No problem. I'll have it like, I can see it on my phone, but that's about it. So yeah. Sure. Yeah. Yeah. That's probably the easiest. Yeah. Thank you. No. All good. Yeah. Sure. No problem. Mhmm. Yeah. That's fine. Sure. Nicole Mararoli, June 4 1985, and 14 Fallon Avenue, New York. Yeah. Yep. I'm still in the same position. So yeah. So just, yeah, coming up to a year come July. So yeah. Yes. Yeah. It's all good. Exactly. Exactly. Mhmm. Mhmm. Mhmm. Sure. Mhmm. Sure. Yes. Sure. Yes. No problem. Mhmm. Yes. Sure. Yes. Sure. Mhmm. Yes. Sure. Mhmm. Mhmm. Sure. Mhmm. Yep. Mhmm. Mhmm. It's it's pretty much the same. I believe that I will be getting an increase, but it'll be so minimal that it's not even yeah. It's yeah. I would hope so, but, yeah, not yet, apparently. Yeah. Mhmm. Yep. Yep. Yes. Mhmm. Mhmm. Sure. Mhmm. Yes. Yep. Mhmm. Okay. Okay. Yes. Mhmm. Yep. Mhmm. Mhmm. Sure. Yes. Excellent. Mhmm. Yes. Mhmm. Mhmm. Sure. Okay. Okay. Mhmm. Mhmm. Okay. Sure. Yeah. Yeah. Cool. Mhmm. Mhmm. Perfect. Mhmm. Okay. Cool. Mhmm. Cool. Mhmm. Amazing. Amazing. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Yep. Mhmm. Mhmm. Cool. Yep. Yep. Sure. Mhmm. Sure. Mhmm. Mhmm. Mhmm. Sure. Thank you. Mhmm. Mhmm. Mhmm. Mhmm. Sure. Yeah. Yeah. Sure. No. That sounds all good so far. So, yeah, easy. Yeah. Mhmm. Okay. Sure. Mhmm. Mhmm. Mhmm. Perfect. Amazing. Yep. Mhmm. Amazing. Mhmm. Sure. Excellent. Yeah. Perfect. Mhmm. Mhmm. Perfect. Mhmm. Awesome. Mhmm. Mhmm. Mhmm. For sure. Yeah. No. All good. Mhmm. Mhmm. Excellent. Mhmm. Amazing. No. I think that's pretty pretty good. Like, yeah, I obviously am aware of the situations overseas and stuff like that, but I'm not panicking about any of it. So so that's all good. Yeah. Exactly. Exactly. So but yeah. No. It's yeah. I will be able to review those documents later this time tonight and get them back to you today. So that's all good. Mhmm. Perfect. Excellent. No problem. Fantastic. Thank you so much. Thank you. You too. You have a good rest of the day. Thanks, Diana. Cheers. 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Nicole speaking. Hi. Good. Thank you.\n\nAnd yourself? Yes. Yeah. That's all good. No problem.\n\nI'll have it like, I can see it on my phone, but that's about it. So yeah. Sure. Yeah. Yeah.\n\nThat's probably the easiest. Yeah. Thank you. No. All good.\n\nYeah. Sure. No problem. Mhmm. Yeah.\n\nThat's fine. Sure. Nicole Mararoli, June 4 1985, and 14 Fallon Avenue, New York. Yeah. Yep.\n\nI'm still in the same position. So yeah. So just, yeah, coming up to a year come July. So yeah. Yes.\n\nYeah. It's all good. Exactly. Exactly. Mhmm.\n\nMhmm. Mhmm. Sure. Mhmm. Sure.\n\nYes. Sure. Yes. No problem. Mhmm.\n\nYes. Sure. Yes. Sure. Mhmm.\n\nYes. Sure. Mhmm. Mhmm. Sure.\n\nMhmm. Yep. Mhmm. Mhmm. It's it's pretty much the same.\n\nI believe that I will be getting an increase, but it'll be so minimal that it's not even yeah. It's yeah. I would hope so, but, yeah, not yet, apparently. Yeah. Mhmm.\n\nYep. Yep. Yes. Mhmm. Mhmm.\n\nSure. Mhmm. Yes. Yep. Mhmm.\n\nOkay. Okay. Yes. Mhmm. 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you.","start":1770.169,"end":1770.6489,"sentiment":"positive","sentiment_score":0.7738041281700134},{"text":"You too.","start":1770.6489,"end":1771.1289,"sentiment":"positive","sentiment_score":0.6177044808864594},{"text":"You have a good rest of the day.","start":1771.1289,"end":1772.5089,"sentiment":"positive","sentiment_score":0.7320328801870346}],"sentiment":"positive","sentiment_score":0.7636727199834936,"num_words":17,"start":1764.0651,"end":1772.5089},{"sentences":[{"text":"Thanks, Diana.","start":1773.209,"end":1774.0089,"sentiment":"positive","sentiment_score":0.4919986426830292},{"text":"Cheers.","start":1774.0089,"end":1774.5089,"sentiment":"positive","sentiment_score":0.46471214294433594},{"text":"Bye.","start":1774.729,"end":1775.229,"sentiment":"neutral","sentiment_score":0.20077908039093015}],"sentiment":"positive","sentiment_score":0.4123721271753311,"num_words":4,"start":1773.209,"end":1775.229}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Nicole speaking.\n\nChannel 0: Hi, Nicole. It's Dana from Oakley Financial. How are you this afternoon?\n\nChannel 1: Hi. Good. Thank you. And yourself?\n\nChannel 0: I'm very well. Thank you. I had you booked in to run through an updated advice document I've got here for you. Is now still\n\nChannel 1: Yes.\n\nChannel 0: a good time?\n\nChannel 1: Yeah. That's\n\nChannel 0: Yep.\n\nChannel 1: all good. No problem.\n\nChannel 0: Fantastic. So you happen to have access to your emails at the moment there as well? If you don't, that's absolutely fine.\n\nChannel 1: I'll have it like, I can see it on my phone, but that's about\n\nChannel 0: Yep.\n\nChannel 1: it. So yeah.\n\nChannel 0: That's okay. If you wanted to to make it easier, to stop I mean, you don't have to have to stop around me the phone and and put on speaker if you like. I can just run through the recommendations there for you, and then you can take some time to have a look at them a bit later. Is that more\n\nChannel 1: Sure.\n\nChannel 0: preferable for you, or what\n\nChannel 1: Yeah.\n\nChannel 0: yourself?\n\nChannel 1: Yeah. That's probably the easiest. Yeah.\n\nChannel 0: Yeah. That's okay. Not a problem. I know sometimes it can be hard trying to do it on your phone plus\n\nChannel 1: Thank\n\nChannel 0: listen\n\nChannel 1: you.\n\nChannel 0: to what I'm saying and can get a little bit a lot. So it's just easier\n\nChannel 1: No.\n\nChannel 0: if\n\nChannel 1: All\n\nChannel 0: I just\n\nChannel 1: good.\n\nChannel 0: run through those. I'll try to keep it nice and brief there for\n\nChannel 1: Yeah.\n\nChannel 0: you, and then I'll let you go back. And have a really good read of the document, and\n\nChannel 1: Sure.\n\nChannel 0: you can let me know if you do have any questions in the meantime. Okay?\n\nChannel 1: No problem.\n\nChannel 0: Perfect. Now before I jump into the call, I'm just gonna let you know I am gonna email this through to you. We do record our calls for quality and training purposes. Are you happy for me to proceed with\n\nChannel 1: Mhmm.\n\nChannel 0: that?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Beautiful. And just to do security there with you as well, I am discussing your personal information. So I'll just confirm your full name, date of birth, and address I should have on file.\n\nChannel 1: Sure. Nicole Mararoli,\n\nChannel 0: Yeah.\n\nChannel 1: June 4\n\nChannel 0: Yep.\n\nChannel 1: 1985, and\n\nChannel 0: Yep.\n\nChannel 1: 14 Fallon Avenue, New York.\n\nChannel 0: Beautiful. Thank you so much. Nicole, last time we touched base, you had were going for a new job. You decided a new role. How's that been going?\n\nAre you still in the same role that we\n\nChannel 1: Yeah.\n\nChannel 0: spoke about? Yep.\n\nChannel 1: Yep. I'm still in the same position. So yeah. So just, yeah, coming up to a year come July. So\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: Oh, fantastic. So, so good. You're still enjoying it?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: It's all good.\n\nChannel 0: It pays the bills.\n\nChannel 1: Exactly. Exactly.\n\nChannel 0: No. Perfect. All good. Well, with the advice document, this is sort of around last time we spoke. We did\n\nChannel 1: Mhmm.\n\nChannel 0: wanna have a look at the insurance. If you wanted to increase your life and TCD by a 100,000 and also wanted to have some income\n\nChannel 1: Mhmm.\n\nChannel 0: protection because you didn't have any before, just giving you a little bit of extra protection in the event you were off work due to illness or injuries. So we have encompassed that for you. I know it has taken a bit longer to get this advice piece ready. We had everything sort of ready to go, but then we have just noticed this year with a lot of what's happening in in the market generally that we wanted to look at making some changes to your portfolio as well. So I kind\n\nChannel 1: Mhmm.\n\nChannel 0: of went back and did this advice piece to encompass all of that for you\n\nChannel 1: Sure.\n\nChannel 0: because there has been some changes to the market conditions. And because your insurances are paid out of super, it is best to sort of encompass\n\nChannel 1: Mhmm.\n\nChannel 0: everything together. So I did kinda go back, put everything on hold for the moment after I had everything ready to go. And I was like, look. Let's put\n\nChannel 1: Sure.\n\nChannel 0: it as one document so you can see the whole picture. And that way, it makes it a little bit easier for you. But with what's happening in The US, within the world generally, with the markets going up and down a bit, we have sort of noted with your portfolio there needed to be some changes\n\nChannel 1: Yes.\n\nChannel 0: made.\n\nChannel 1: Sure.\n\nChannel 0: So I wanted to encompass that for you as well. Okay.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful.\n\nChannel 1: No problem.\n\nChannel 0: So with this advice piece, we have scoped into being around superannuation. So one of your goals when we sort of touched base last time was that you are working to hopefully retire around about the age of 60. Your\n\nChannel 1: Mhmm.\n\nChannel 0: husband's super is the main it was you're sorta gonna live on. You just wanted your super to grow to be something that you could utilize for extras living, extra, like, leisure, sorry, to\n\nChannel 1: Yes.\n\nChannel 0: be able to pull out, to have holidays, and do fun things, and buy new cars, and things like that. So this is kind of a backup for yourself, but you still want it to be working harder and growing for you so you can maximize your retirement.\n\nChannel 1: Sure.\n\nChannel 0: Okay?\n\nChannel 1: Yes.\n\nChannel 0: We also looked at the insurance side of things. As I mentioned, you wanted to increase your life and CBD component by a 100,000 there, and you also wanted to have your income covered, up to 70% of your income, and have a look at income protection there as well. So I have encompassed that for you in the advice document. Areas that we have scoped out. So we're not looking at trauma insurances.\n\nWhen we touched base last year, we sort of talked about what trauma is. It's an out of pocket expense and covers you for sort of a year's worth of living expenses. If you were diagnosed with large traumatic events, you decided not to hold any of that. If you do decide to down the track, let me know. I'm more than happy to do the research around recommending that for you.\n\nYour beneficiaries are in place at the moment, and you were very happy with how they were nominated. So we're not scoping anything in with regard to the state planning, but we wanna\n\nChannel 1: Sure.\n\nChannel 0: make sure we review that with you at annual review time as well.\n\nChannel 1: Mhmm.\n\nChannel 0: And you also discussed that you were sort of looking at maybe in the future having an investment property. It was something that was on the back of your mind, but not so much in your husband's mind. So\n\nChannel 1: Yes.\n\nChannel 0: it is something I've scoped out for now. Down the track, if you guys decide to look at that area, let me know. We can definitely discuss it in more detail for you both.\n\nChannel 1: Sure.\n\nChannel 0: Okay? Beautiful. With this advice document on the front page, when you do look at it, you will note it has been prepared for yourself as of the 04/08/2026. It's\n\nChannel 1: Mhmm.\n\nChannel 0: insane that this year is flying by so quickly. It has been prepared by myself and my lovely team here at Oakview Financial, and my license number registered is 1304394. Okay? We do like to make sure that we are noting that any advice we do provide is provided under the best interest duty, which is a part of the corporations. That's where we are licensed under section nine of the corporations.\n\nThat's what's important that we are understanding your goals and objectives and making sure the advice is provided in order\n\nChannel 1: Mhmm.\n\nChannel 0: to meet those goals and objectives. Under the best interest duty, if we can't meet your goals or the\n\nChannel 1: Sure.\n\nChannel 0: advice is not appropriate, it's important that we are upfront and honest and let you know that as well. Okay? Now with the recommendations there, as we sort of touch base on with the insurance side of things, you do wanna look at increasing your life and TPD by about a 100,000. So at the moment, your current life and TPD benefit is $650,006.06 7.\n\nChannel 1: Mhmm.\n\nChannel 0: These are paid wholly out of your super funds, and you've got the same amount of TPD as life there. You wanted to increase that a little\n\nChannel 1: Yep.\n\nChannel 0: bit higher, so you would have a sum insured of $750,006.06 7. We have made the recommendation to increase that for you.\n\nChannel 1: Mhmm.\n\nChannel 0: It doesn't add a huge amount of cost onto the premiums there. The biggest part of any insurance cost is the income protection component.\n\nChannel 1: Mhmm.\n\nChannel 0: So you actually don't have income protection at the moment and did wanna look at getting some income protection to cover you for up to 70% of your income. Now your income at the time we spoke late last year was about 109,000. Is that still the same, or have you got an increase, or are you due to get an increase?\n\nChannel 1: It's it's pretty much the same. I believe that I will be getting\n\nChannel 0: Yep.\n\nChannel 1: an increase, but it'll be so minimal that it's not even yeah.\n\nChannel 0: Okay.\n\nChannel 1: It's\n\nChannel 0: No.\n\nChannel 1: yeah.\n\nChannel 0: That's good. I mean, you deserve a higher increase than that.\n\nChannel 1: I would hope so, but, yeah, not yet, apparently.\n\nChannel 0: No. That's that's okay. After that twelve month mark, I'll hopefully,\n\nChannel 1: Yeah.\n\nChannel 0: they should be putting a lot more out there for you. Perfect. Well, in order to make sure you are covered up to the maximum, so 70% of your current income at a 109,000, I am recommending that you do apply for income protection with the monthly benefit amount of 6,538. We did talk about looking at holding this inside super and outside of super.\n\nChannel 1: Mhmm.\n\nChannel 0: I am recommending you do hold this policy fully inside super. The premiums are coming out of your super fund and not out of your back pocket.\n\nChannel 1: Yep.\n\nChannel 0: Just to make it a bit easy, the cost of living is extremely high and fuel, even though the excess is being cut, still cuts into our budget pretty significantly.\n\nChannel 1: Yep.\n\nChannel 0: So limiting those out of pocket expenses is really important at the moment there.\n\nChannel 1: Yes.\n\nChannel 0: With the income protection policy, I am recommending a thirty day waiting period. So this means you have to be off work for thirty days prior to making a claim.\n\nChannel 1: Mhmm.\n\nChannel 0: If you think you're gonna be off that full thirty days, we always suggest let us know straight away so we can at least call and organize the claims forms to be, you know, organized and sent out for you so\n\nChannel 1: Mhmm.\n\nChannel 0: they can be completed ready for that thirty day cutoff mark. So once that thirty day hits, we submit all the paperwork to the insurer, and we get the claim underway nice and quickly for you. Okay? We're also recommending a two year benefit period. So when we kinda talked about those, you were happy with just a smaller benefit period, hoping that you wouldn't need to be off work for any longer than\n\nChannel 1: Sure.\n\nChannel 0: two years, but\n\nChannel 1: Mhmm.\n\nChannel 0: also noting that your husband has a good income as well. So it's\n\nChannel 1: Yes.\n\nChannel 0: a bit of a buffer in the event that you're not being able to work in the shortest term there. Okay.\n\nChannel 1: Yep.\n\nChannel 0: With the current insurances, you do only have life and CP at the moment. So your current yearly premium's $521.97 there.\n\nChannel 1: Mhmm.\n\nChannel 0: By looking at the increase that we are recommending there, it does increase your total premium to $1,693 there. So\n\nChannel 1: Okay.\n\nChannel 0: that's essentially giving you an increase of about $1,158.\n\nChannel 1: Okay.\n\nChannel 0: And majority of that is the income protection there, so all being paid out is super to make it easier on your budget. Okay?\n\nChannel 1: Yes.\n\nChannel 0: The benefits here are that by increasing your life and TPD, you get that extra 100,000 added on there, which is a benefit to you. It means you get more paid out in the event of a claim, which is really important to have, and having\n\nChannel 1: Mhmm.\n\nChannel 0: that monthly benefit in the in the event that you're unable to work in a shorter term due to illness or injury.\n\nChannel 1: Yep.\n\nChannel 0: The when we do look at increase, obviously, you do have your life on PVD. I am recommending the increase stay with ClearView. I did look at all the other insurers out there and looked at the options for other insurance options. However, ClearView came out to be the best quality\n\nChannel 1: Mhmm.\n\nChannel 0: mostly because you already have that Clearview policy. So just increasing your life and CBD with Clearview means they're only gonna underwrite that extra 100,000 for the life and CBD and underwrite that new income policy.\n\nChannel 1: Mhmm.\n\nChannel 0: So if there are any changes to your health from when we last spoke or when we last, were able to go through the application, it does mean that if there are changes to your health or what, you know, there could be loadings or exclusions applied to that increased policy. However, if there are, they would only apply to the increase. They wouldn't be backdated to the the last part of the policy, the\n\nChannel 1: Sure.\n\nChannel 0: policy you currently hold, if that makes sense. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. I know when we sort of spoke, there was nothing major that had come out as a red flag. You're nice and healthy, so I don't expect anything. But when we go through the application with my lovely team members here, they'll flag anything with me that I need to review for you.\n\nChannel 1: Excellent.\n\nChannel 0: Okay? Beautiful. The disadvantages are that, obviously, if your health has changes, then the increase could exceed exclude into all loadings, but we'll sort of touch base on that one. And if we need to, I'll review the policy or the application prior to it going through to the underwriters to see whether we need to have anything changed.\n\nChannel 1: Mhmm.\n\nChannel 0: It does increase the amount you are paying to your insurances by that $1,158.96. However, it's about making sure that you do have the level of cover that suits you and meets your goals as well. Okay? These policies are set. That essentially means that they do increase as you get older as the\n\nChannel 1: Yes.\n\nChannel 0: risk of you making a claim increases. So I\n\nChannel 1: Mhmm.\n\nChannel 0: I and your review, I wanna review these with you. We should be able to start hopefully reducing the cover back as your super balance increases, as your mortgage decreases, as you get closer to retirement there to alleviate the cost the pressure on your super, the\n\nChannel 1: Mhmm.\n\nChannel 0: cost of your premiums. And, hopefully, by the time you retire, have a beautiful super balance so you're completely debt free and not need any insurances at all.\n\nChannel 1: Sure.\n\nChannel 0: Okay. Beautiful. One of the other benefits that I looked at with Clearview is that we've recommended this policy be held solely inside super. Clearly, as a whole with your income protection, also have the added benefit of what's called an income protection. It's like a secondary contract that is held outside of super.\n\nSo it's an essentially, in\n\nChannel 1: Okay.\n\nChannel 0: the event that you're unable you're off board with working sorry, unemployed, but you're unable to go to work due to illness or injury, they actually do provide provide us complimentary out of super contract on your income protection, which means you can claim if you're unable to work.\n\nChannel 1: Okay.\n\nChannel 0: It doesn't sort of it's not if you are, say, let laid off or if you quit your job. It's more this if you're unemployed, if you have quit your job, or if you\n\nChannel 1: Mhmm.\n\nChannel 0: have\n\nChannel 1: Mhmm.\n\nChannel 0: been laid off and you are physically looking for work and you're unable to do so because of injury or illness, and they do allow us to make a claim. So this is\n\nChannel 1: Okay.\n\nChannel 0: one of the added benefits that Clearview hold with this policy.\n\nChannel 1: Sure.\n\nChannel 0: And, normally, you don't sorta get those options with a lot of the insurers. So it's another\n\nChannel 1: Yeah.\n\nChannel 0: good reason why we're staying with Clearview for you gives you the added\n\nChannel 1: Yeah.\n\nChannel 0: benefit. Okay?\n\nChannel 1: Cool.\n\nChannel 0: Some other key advantages with regard to this is they do also have what's called the recovery support services as part of the claims process. So this provides the added assistance assistance beyond income replacement, helping to support you with the recovery and return to work. So, obviously, insurance, when you go on a claim, don't wanna be paying the claim for two years. They wanna get you back to work. It's partly so they don't have to pay the whole claim, but it's also about your mental health as well.\n\nBecause the longer we're off work\n\nChannel 1: Mhmm.\n\nChannel 0: on injuries or illness claims, the more it can affect our our mental health as well.\n\nChannel 1: Mhmm.\n\nChannel 0: So they do provide an agreed they provide third party services such as rehabilitation, medical equipment, and or refilling and training programs. These are designed to support you in recovery and illness and getting you back to work quicker. Okay?\n\nChannel 1: Perfect.\n\nChannel 0: As I think if you're wanting to if you're gonna be paying for insurances, you wanna get the best benefits you can out of these sorts of products. So utilizing them where you can and when you're on a claim. If the insurer provides these sorts of benefits to you, you've been paying the premiums, you're more than entitled to use them. So it's\n\nChannel 1: Mhmm.\n\nChannel 0: one of the things I do like about these things. You do have your life cover there as well, which pays out a lump sum benefit in the event of passing away. However, with the Clearview policy, having income protection covered there, it also has the added benefit sorry, of providing a lump sum payment in the event of passing whilst you're on a claim. So whilst the policy is enforced or if you're on a claim and you were to pass away, the income protection cover pays out a benefit equal to six times your monthly benefit to your beneficiary as a death benefit. It's up to a maximum $50,000.\n\nSo\n\nChannel 1: Okay.\n\nChannel 0: it does\n\nChannel 1: Cool.\n\nChannel 0: mean that you're not only your last policy gets paid out, but your partner can also receive the added benefit of a bit extra paid out of your income protection policy as a death benefit. So it's a bit\n\nChannel 1: Mhmm.\n\nChannel 0: more of a buffer. Okay?\n\nChannel 1: Cool.\n\nChannel 0: All good. I do also have a few more advantages, disadvantages, risks, and alternatives that have been considered in there. When you're looking at the document, feel free to run your eyes over that one. Have a bit of a look there. If you\n\nChannel 1: Mhmm.\n\nChannel 0: do have any questions, let me know. And if you are happy to sign that one and take on those recommendations, we'll just get get you to sign the document back, and I'll book you with one one of my lovely team members to go through the application. Okay.\n\nChannel 1: Amazing. Amazing.\n\nChannel 0: Excellent. Now with these changes, as I kinda mentioned, we have noted with what's been happening in the world generally that we did sort of flag some things in your super when I was reviewing everything. There has been some changes to the market, which I wanted to make sure are reflective of your super as well.\n\nChannel 1: Mhmm.\n\nChannel 0: So I have decided as part of this, we are retaining Hub 24. It is a great fund. However, some of your underlying investors have have been underperforming a little bit there. So I wanted to have those removed, and I wanted to move you into a portfolio that has been performing a little bit better. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: So when we are when you are looking at the document, you'll see on page 16, we essentially have what we are gonna be buying and selling. But as part of these changes, you did initially have the Bennelong Australian equities in there. You had quite a lot of Bennelong Australian equities. Unfortunately, Bennelong have had some issues in their management, and they have unfortunately been underperforming significantly. So I am selling all of them off.\n\nI am\n\nChannel 1: Mhmm.\n\nChannel 0: selling all of them off.\n\nChannel 1: Mhmm.\n\nChannel 0: I am also removing the Rafi Aussie 200 out of there. I'm also removing some of the cybersecurity, just kind of rebalancing that for you. Just a bit overexposed in that area at the moment,\n\nChannel 1: Mhmm.\n\nChannel 0: and we'll be rebalancing gold as well. So while gold has been performing really well over the twelve months, it is a growth investment, and we wanna cement some of those gains and have them reinvested back into other areas there for you in your\n\nChannel 1: Yep.\n\nChannel 0: portfolio.\n\nChannel 1: Mhmm.\n\nChannel 0: The BetaShares Global Agriculture, we're gonna get rid of all of that. It has been good over the past. You had about 3% in there, but it's sort of not performing the way we wanted it to recently, so we're gonna remove that from your portfolio as well.\n\nChannel 1: Mhmm.\n\nChannel 0: And also the bank hybrid. So they're actually being phased out by the government over the next couple of years. So we thought while we're looking at maneuvering things, we'll remove those completely out of there as well and reallocate the funds to something that's got more of a long term view for you. Okay?\n\nChannel 1: Cool.\n\nChannel 0: So removing all of those investments, we are keeping gold, just rebalancing it, bringing it back to about 10%, cementing some of the gains that you've seen, and reinvesting those in other areas since, you know, provide a bit more of a cushion effect and keep those gains rolling a bit. We\n\nChannel 1: Yep.\n\nChannel 0: are keeping the S and P 500. We're gonna buy a bit more into that. I know there is a lot of talk of what's happening in the world generally, but when you look at the S and P 500, it is still a good investment to have.\n\nChannel 1: Yep.\n\nChannel 0: One of the benefits of the S and P 500 is that it attracts the S and P 500 index. And in order for the companies in The US to be in that index, they have to meet a certain criteria. So the index investment committee actually meet every quarter, and they determine whether companies are just are able to be in that S and P index or not. If they no longer qualify, they are removed and replaced with something else that does qualify to be in there. So it sort of gives you a bit of clarity\n\nChannel 1: Sure.\n\nChannel 0: that you are always invested in the top 500 companies\n\nChannel 1: Mhmm.\n\nChannel 0: and not invested in underperforming companies in that area because they are removed out when they no longer meet the criteria. So\n\nChannel 1: Sure.\n\nChannel 0: it is still a really good place to be. It has been a bit volatile. It is a growth investment, but it does when you look at it over the course of ten to twenty or thirty years, does give you great returns. So it is still a good place to have your investment.\n\nChannel 1: Mhmm.\n\nChannel 0: Okay? We've also got the iShares Europe. So, again, Europe has still seen a bit of the ups and downs as what is happening with Iran at the moment, but it is still a really good place to be invested and does provide a diversification. This is not one or two or three European countries. It's encompassing all of them.\n\nSo\n\nChannel 1: Mhmm.\n\nChannel 0: some of the companies within Europe are still seeing great returns and positive things are occurring, whilst other areas in Europe are not seeing as good of returns. So it is still a great place to be. We're only gonna have about 8% of your portfolio in there, but having that\n\nChannel 1: Mhmm.\n\nChannel 0: is good for diversification and long term growth as well. Okay?\n\nChannel 1: Sure.\n\nChannel 0: Japan. So the iShares Japan is a great place to be invested, again, giving you a little bit more diversification. Over the last sort of twelve months, we did see where a lot of times the Australian market or, say, The US market might not be performing as well. We do tend to find Japan tends to work separately. So where Australia and US might be going down, Japan tends to show it goes up a little bit.\n\nSo it is good there for diversification. It doesn't work. It's not correlated to other areas. It does sort of have its own sort of correlation, which is great, and Japan has seen some good returns. And they're also because of what's happening with China with a lot of the the increased tensions throughout China, a lot of things are moving into Japan.\n\nSo we do see it as a much a much greater growth area moving forward, and we'll put about 5% of your portfolio in that investment option. Okay?\n\nChannel 1: Thank you.\n\nChannel 0: We have the Vanguard or WorldX US. So this is essentially looking at all the world globally, so every country minus The US because you do have the S and P 500.\n\nChannel 1: Mhmm.\n\nChannel 0: One of the big things about looking at diversification is diversifying globally. So we're looking at not only Europe, Japan, The US, Australia, and other developed nations, but also other developing nations as well. So you've got some current countries that have got great returns that have seen in the past, which might correlate and move together, but other developing nations that might are expected to see really good growth moving forward there as well. And this Vanguard or World ex US investment option gives you diversification in those sorts of areas, and we're only putting about 8% in there for you. So it's more of a, you know, a branch out kinda area that we wanna see great growth in for you, but it is tracking the all world index as well.\n\nOkay?\n\nChannel 1: Mhmm.\n\nChannel 0: We've got the BetaShares Australian 200. Now because we are getting rid of the Raffi and the Beddalong Australian Equities, putting that into the a 200, this is a tracking following the top 200 companies on the ASX. And, again, just like the S and P 500, it tracks an index. And for companies to be in that index, they have to meet a certain criteria. So if that company's you know, when they meet if the when the investment committee meet, if the company doesn't meet the criteria, they are moved out and something else is placed in its in its place.\n\nThe\n\nChannel 1: Mhmm.\n\nChannel 0: a 200 is good. It's more passive. It's also cheaper than having been along in there, so it actually saves you on investment fees, which is another great asset. And the a 200 is tracking it's more passive. So it tracks the index up and down, participating in the market.\n\nSo you're not trying you don't have investment managers who are trying to outperform indexes and risking a lot more. It's\n\nChannel 1: Mhmm.\n\nChannel 0: a lot more passive, a lot lower cost, and has seen greater returns in the past than what Benelon has. Okay.\n\nChannel 1: Sure.\n\nChannel 0: Excellent. And then because it's important to have some defensive investments as well, we are removing the bank hybrids out of there due to them being removed later on over the next couple of years. We're gonna move put you into the core composite bonds. So bonds are great defensive investments. They are lower cost.\n\nThey are if you're putting money into corporate as well as company bonds. The bonds also encompasses bonds and bank notes and other sort of debt equities around the globe. So it's not just in Australia. This is also looking globally to give you diversification in your defensive investments as well. And it's about 14% invested in in there.\n\nOne of the good things about bonds is they are income producing. We wanna make sure you've got some income coming into your portfolio. It pays coupon payments or dividend payments like some of the shares do, and they go into your cash account, which can be reinvested, and it helps the compounding effect of your portfolio. So I noticed a lot. I have a look through those.\n\nIf you want me to kind of break them down more for you, I will. I do just kinda go over them very\n\nChannel 1: Yeah.\n\nChannel 0: basically so it's not not everyone's that interested in what they're invested in. But have a look. If you find you want more information, let me know. But it's giving you a bit of an idea of what I'm moving and altering\n\nChannel 1: Yeah.\n\nChannel 0: and changing\n\nChannel 1: Sure.\n\nChannel 0: for you. Okay?\n\nChannel 1: No. That sounds all good so far. So, yeah,\n\nChannel 0: Beautiful.\n\nChannel 1: easy.\n\nChannel 0: Ex excellent. Now with this newer portfolio, as I kinda mentioned, it is saving investment fees. So we're moving the ban along and some of the higher cost investments out of there. With the changes, when I had a look at the difference in fees from where you are at the moment to the recommended portfolio, For the year, we can actually save you $665 investment fees. So it's pretty pretty decent cost\n\nChannel 1: Yeah.\n\nChannel 0: cost reduction there, and that money stays invested in your portfolio for you, which can help for the longer term. The newer portfolio has also seen a greater past performance. So when we consider the newer portfolio with what you were in currently, were you starting a three year rolling average because the bank hybrids haven't been around long enough long enough to get a five year rolling average. But your current portfolio has averaged about 14.2%, and we know you don't get that every year. But when we look at the average of what it can do over the past three years, this is what it sort of averaged out to be.\n\nWith\n\nChannel 1: Mhmm.\n\nChannel 0: the newer portfolio, when we look at the past returns, it's averaged out to be about 16.86% over the past three years. So the newer\n\nChannel 1: Okay.\n\nChannel 0: portfolio has seen greater past performance, which can, depending on markets down the track, can provide you with greater past future performance. Okay?\n\nChannel 1: Sure.\n\nChannel 0: I also do need to make sure I mentioned that we did look at the tax consequences because we are buying and selling investments within your super fund there. There are taxation consequences for doing so. Your super\n\nChannel 1: Mhmm.\n\nChannel 0: fund does a tax return just like you do every year, and the estimated CGT for this is $1,008. So after we complete the full switch and have 24 try to do it in the most tax effective way for you, But we\n\nChannel 1: Mhmm.\n\nChannel 0: do estimate the super fund will pay a capital gains of $1,008, all covered by your super fund and not by you in any way to make it easy.\n\nChannel 1: Mhmm. Perfect.\n\nChannel 0: Okay? Yep. Perfect. So, realistically, we're saving investment fees. There is a CJT t consequence, but we are removing underperforming investments and putting you into investments in a portfolio that has seen greater past performance.\n\nSo we're looking to try and make sure that works harder for you moving down the track and keeping keep on reviewing these for you as well. Okay.\n\nChannel 1: Amazing. Yep.\n\nChannel 0: Perfect. With everything that we sort of have looked at with the projection table in there, I've got the next five to ten years there for you. But, essentially, if\n\nChannel 1: Mhmm.\n\nChannel 0: the market's worked the way they have in the past, if this portfolio could, you know, over the longer term, provide the same level of returns as it has. Over the next ten years, you could see yourself with a bit over a million dollars and so forth. So\n\nChannel 1: Amazing.\n\nChannel 0: depending on how markets react, this could provide to be greater. However, it does just depend upon what markets do. Past performance isn't always an indicator of future performance. As we all know, markets are a little bit up and down at the moment, but with your\n\nChannel 1: Mhmm.\n\nChannel 0: contributions continuously going in, when the markets are taking a bit of a dip, we are taking advantage of those times as well. So\n\nChannel 1: Sure.\n\nChannel 0: we'll just sort of see how things are going, keep reviewing things, and keep you on track to get the best out of your super possible. Does that make\n\nChannel 1: Excellent.\n\nChannel 0: sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Perfect.\n\nChannel 0: Beautiful. The advantages here are that, essentially, the changes do save you in investment fees. The disadvantage to other CGT consequences, but we've tried to limit those as much as possible. And this reduction in the investment fees do tend to almost completely wipe out the CGT cost there. So it kind of\n\nChannel 1: Mhmm.\n\nChannel 0: is working quite well in your favor there. I have recommended retaining Hub 24. It is still a great platform, and the CGT on a full sell down to look at other platforms will be much higher. So this is more\n\nChannel 1: Mhmm.\n\nChannel 0: of a cost effective way to make sure your portfolio is working harder for you. And HubSpot is still a great platform. There's been no real changes that require us to, you know, look at altering the platform in any way, but we'll keep reviewing that with you as well. Okay.\n\nChannel 1: Perfect.\n\nChannel 0: Beautiful. As you do run your eyes through that document there, you will see I've got best interest duty statements, which essentially links the recommendations back to your goals and notes why all of these are in best interest for you. So we ought to have a bit of a read through those statements as well. And, again, just let\n\nChannel 1: Mhmm.\n\nChannel 0: me know if there's any questions you have. Okay?\n\nChannel 1: Awesome.\n\nChannel 0: Excellent. The and the other thing I do wanna make sure I mention is we do receive remuneration for insurances. This is paid by the insurer and not by you. We do currently receive 66% of the first year's premium and 22% there ongoing from the insurer. These do\n\nChannel 1: Mhmm.\n\nChannel 0: have no effect on what my recommendations are. My recommendations are to be made in your best interest. As I mentioned, bound by the corporation back in the best interest duty to do so. But we\n\nChannel 1: Mhmm.\n\nChannel 0: do like to just make sure you're aware that the the premiums sorry. The remuneration is paid by the insurer to us, and we'd like to make sure it's fully disposed in there for you\n\nChannel 1: Mhmm.\n\nChannel 0: as well.\n\nChannel 1: For sure.\n\nChannel 0: Okay?\n\nChannel 1: Yeah. No. All good.\n\nChannel 0: Beautiful. And then we also have in there the ongoing service fee. So you are paying that for our service at the moment. That's about\n\nChannel 1: Mhmm.\n\nChannel 0: making sure that we are setting advice and looking at your portfolio and making sure you stay on track and in the right investments there. So that is at 1.65% random, and we've just\n\nChannel 1: Mhmm.\n\nChannel 0: disclosed that in there for you as well.\n\nChannel 1: Excellent.\n\nChannel 0: Okay? Excellent. If you're happy with everything and you do decide to take on board the recommendations, how we'll implement things is we'll start by doing the investment switch. We'll maneuver\n\nChannel 1: Mhmm.\n\nChannel 0: those investments nice and quick there for you, and then we'll also book in with one of our lovely team members to go through the insurance application so we can get those insurances updated for you as well.\n\nChannel 1: Amazing.\n\nChannel 0: Okay. All good. Do you have any questions for me at the moment?\n\nChannel 1: No. I think that's pretty pretty good.\n\nChannel 0: Yeah.\n\nChannel 1: Like, yeah, I obviously am aware of the situations overseas and stuff like that, but I'm not panicking about any of it. So\n\nChannel 0: No. No.\n\nChannel 1: so\n\nChannel 0: Got\n\nChannel 1: that's\n\nChannel 0: a\n\nChannel 1: all\n\nChannel 0: long\n\nChannel 1: good.\n\nChannel 0: time to go yet. Yeah.\n\nChannel 1: Yeah. Exactly. Exactly.\n\nChannel 0: No.\n\nChannel 1: So\n\nChannel 0: That's\n\nChannel 1: but yeah. No. It's yeah. I will be able to review those documents later\n\nChannel 0: it.\n\nChannel 1: this time tonight\n\nChannel 0: Beautiful.\n\nChannel 1: and get them back to you today. So that's all good.\n\nChannel 0: If you do like a bit of reading, I've also got some of the PDF documents in there for any of the recommendations I've made. I've got your current\n\nChannel 1: Mhmm.\n\nChannel 0: certificate of currency in there for you as well.\n\nChannel 1: Perfect.\n\nChannel 0: And I've also added in there just our local financial services guide, which updates any details on us and has a lovely glossy photo of me in there for you as well. Okay.\n\nChannel 1: Excellent. No problem.\n\nChannel 0: And, usually, well, I will let you go to review those ones. Just let me know if there's any questions you have. It doesn't matter what it is. And, yeah, if you're happy to go forward with that, then Nick and Nicole, I'll just get you to assign and return those back, and we'll get them sorted for you.\n\nChannel 1: Fantastic. Thank you so much.\n\nChannel 0: My pleasure. Thank you for your time. I hope you have a lovely afternoon.\n\nChannel 1: Thank you. You too. You have a good rest of the day.\n\nChannel 0: Thanks. You\n\nChannel 1: Thanks,\n\nChannel 0: too, Nicole.\n\nChannel 1: Diana.\n\nChannel 0: See\n\nChannel 1: Cheers.\n\nChannel 0: you later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.1999999,"end":1.5999999,"sentiment":"neutral","sentiment_score":0.02906983718276024},{"text":"Nicole speaking.","start":1.5999999,"end":2.5,"sentiment":"neutral","sentiment_score":0.026637649163603783}],"sentiment":"neutral","sentiment_score":0.0274483785033226,"channel":1,"num_words":3,"start":1.1999999,"end":2.5},{"sentences":[{"text":"Hi, Nicole.","start":2.8799999,"end":3.6,"sentiment":"neutral","sentiment_score":0.14277077838778496},{"text":"It's Dana from Oakley Financial.","start":3.6,"end":5.12,"sentiment":"neutral","sentiment_score":0.1877635896205902},{"text":"How are you this afternoon?","start":5.12,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.22751640081405639}],"sentiment":"neutral","sentiment_score":0.1968284590790669,"channel":0,"num_words":12,"start":2.8799999,"end":6.2599998},{"sentences":[{"text":"Hi.","start":6.0,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.30169713497161865},{"text":"Good.","start":6.3999996,"end":6.64,"sentiment":"positive","sentiment_score":0.529742956161499},{"text":"Thank you.","start":6.64,"end":7.04,"sentiment":"positive","sentiment_score":0.5548188984394073},{"text":"And yourself?","start":7.04,"end":7.7,"sentiment":"positive","sentiment_score":0.3973953127861023}],"sentiment":"positive","sentiment_score":0.45597808559735614,"channel":1,"num_words":6,"start":6.0,"end":7.7},{"sentences":[{"text":"I'm very well.","start":8.08,"end":9.04,"sentiment":"positive","sentiment_score":0.6426892876625061},{"text":"Thank you.","start":9.04,"end":9.5199995,"sentiment":"positive","sentiment_score":0.6949612498283386},{"text":"I had you booked in to run through an updated advice document I've got here for you.","start":9.5199995,"end":13.28,"sentiment":"neutral","sentiment_score":0.2886713392594281},{"text":"Is now still","start":13.28,"end":13.84,"sentiment":"neutral","sentiment_score":0.15378500521183014}],"sentiment":"positive","sentiment_score":0.34747032582759857,"channel":0,"num_words":25,"start":8.08,"end":13.84},{"sentences":[{"text":"Yes.","start":13.84,"end":14.205,"sentiment":"neutral","sentiment_score":0.19593307375907895}],"sentiment":"neutral","sentiment_score":0.19593307375907895,"channel":1,"num_words":1,"start":13.84,"end":14.205},{"sentences":[{"text":"a good time?","start":13.84,"end":14.74,"sentiment":"neutral","sentiment_score":0.21259164810180664}],"sentiment":"neutral","sentiment_score":0.21259164810180664,"channel":0,"num_words":3,"start":13.84,"end":14.74},{"sentences":[{"text":"Yeah.","start":14.765,"end":15.005,"sentiment":"neutral","sentiment_score":0.1926008313894272},{"text":"That's","start":15.005,"end":15.245,"sentiment":"neutral","sentiment_score":0.31269264221191406}],"sentiment":"neutral","sentiment_score":0.2526467368006706,"channel":1,"num_words":2,"start":14.765,"end":15.245},{"sentences":[{"text":"Yep.","start":15.12,"end":15.62,"sentiment":"neutral","sentiment_score":0.2867667078971863}],"sentiment":"neutral","sentiment_score":0.2867667078971863,"channel":0,"num_words":1,"start":15.12,"end":15.62},{"sentences":[{"text":"all good.","start":15.245,"end":15.725,"sentiment":"positive","sentiment_score":0.45485639572143555},{"text":"No problem.","start":15.725,"end":16.305,"sentiment":"positive","sentiment_score":0.4472622126340866}],"sentiment":"positive","sentiment_score":0.4510593041777611,"channel":1,"num_words":4,"start":15.245,"end":16.305},{"sentences":[{"text":"Fantastic.","start":16.685001,"end":17.185001,"sentiment":"positive","sentiment_score":0.6323885917663574},{"text":"So you happen to have access to your emails at the moment there as well?","start":17.725,"end":20.525002,"sentiment":"neutral","sentiment_score":0.23258201082547506},{"text":"If you don't, that's absolutely fine.","start":20.525002,"end":22.305,"sentiment":"neutral","sentiment_score":0.2509284242987633}],"sentiment":"neutral","sentiment_score":0.2557586045427756,"channel":0,"num_words":22,"start":16.685001,"end":22.305},{"sentences":[{"text":"I'll have it like, I can see it on my phone, but that's about","start":23.485,"end":26.445,"sentiment":"neutral","sentiment_score":0.20114913689238684}],"sentiment":"neutral","sentiment_score":0.20114913689238684,"channel":1,"num_words":14,"start":23.485,"end":26.445},{"sentences":[{"text":"Yep.","start":26.205,"end":26.705,"sentiment":"neutral","sentiment_score":0.20246551930904388}],"sentiment":"neutral","sentiment_score":0.20246551930904388,"channel":0,"num_words":1,"start":26.205,"end":26.705},{"sentences":[{"text":"it.","start":26.445,"end":26.765,"sentiment":"neutral","sentiment_score":0.22536438703536987},{"text":"So yeah.","start":26.765,"end":27.33,"sentiment":"neutral","sentiment_score":0.2520992085337639}],"sentiment":"neutral","sentiment_score":0.24318760136763254,"channel":1,"num_words":3,"start":26.445,"end":27.33},{"sentences":[{"text":"That's okay.","start":27.165,"end":28.06,"sentiment":"neutral","sentiment_score":0.3104346692562103},{"text":"If you wanted to to make it easier, to stop I mean, you don't have to have to stop around me the phone and and put on speaker if you like.","start":28.06,"end":34.86,"sentiment":"neutral","sentiment_score":0.12833058761973534},{"text":"I can just run through the recommendations there for you, and then you can take some time to have a look at them a bit later.","start":34.86,"end":40.08,"sentiment":"neutral","sentiment_score":0.16578500230724996},{"text":"Is that more","start":40.14,"end":40.78,"sentiment":"neutral","sentiment_score":0.07687331239382426}],"sentiment":"neutral","sentiment_score":0.14742173470797076,"channel":0,"num_words":62,"start":27.165,"end":40.78},{"sentences":[{"text":"Sure.","start":40.69,"end":41.19,"sentiment":"neutral","sentiment_score":0.08655565977096558}],"sentiment":"neutral","sentiment_score":0.08655565977096558,"channel":1,"num_words":1,"start":40.69,"end":41.19},{"sentences":[{"text":"preferable for you, or what","start":40.78,"end":42.435,"sentiment":"neutral","sentiment_score":0.04648173898458481}],"sentiment":"neutral","sentiment_score":0.04648173898458481,"channel":0,"num_words":5,"start":40.78,"end":42.435},{"sentences":[{"text":"Yeah.","start":42.265003,"end":42.765003,"sentiment":"neutral","sentiment_score":0.01865427941083908}],"sentiment":"neutral","sentiment_score":0.01865427941083908,"channel":1,"num_words":1,"start":42.265003,"end":42.765003},{"sentences":[{"text":"yourself?","start":42.915,"end":43.415,"sentiment":"neutral","sentiment_score":0.027315933257341385}],"sentiment":"neutral","sentiment_score":0.027315933257341385,"channel":0,"num_words":1,"start":42.915,"end":43.415},{"sentences":[{"text":"Yeah.","start":43.945,"end":44.185,"sentiment":"neutral","sentiment_score":0.06785934418439865},{"text":"That's probably the easiest.","start":44.185,"end":45.565002,"sentiment":"neutral","sentiment_score":0.11746195703744888},{"text":"Yeah.","start":45.625,"end":46.125,"sentiment":"neutral","sentiment_score":0.09434370696544649}],"sentiment":"neutral","sentiment_score":0.10534181321660678,"channel":1,"num_words":6,"start":43.945,"end":46.125},{"sentences":[{"text":"Yeah.","start":46.035,"end":46.435,"sentiment":"neutral","sentiment_score":0.0995762050151825},{"text":"That's okay.","start":46.435,"end":47.235,"sentiment":"neutral","sentiment_score":0.13141483813524246},{"text":"Not a problem.","start":47.235,"end":47.635002,"sentiment":"neutral","sentiment_score":0.10667033741871516},{"text":"I know sometimes it can be hard trying to do it on your phone plus","start":47.635002,"end":50.435,"sentiment":"neutral","sentiment_score":0.01513262540102005}],"sentiment":"neutral","sentiment_score":0.04330506069319589,"channel":0,"num_words":21,"start":46.035,"end":50.435},{"sentences":[{"text":"Thank","start":50.265,"end":50.505,"sentiment":"neutral","sentiment_score":0.09708259999752045}],"sentiment":"neutral","sentiment_score":0.09708259999752045,"channel":1,"num_words":1,"start":50.265,"end":50.505},{"sentences":[{"text":"listen","start":50.435,"end":50.755,"sentiment":"neutral","sentiment_score":0.09863936901092528}],"sentiment":"neutral","sentiment_score":0.09863936901092528,"channel":0,"num_words":1,"start":50.435,"end":50.755},{"sentences":[{"text":"you.","start":50.505,"end":51.005,"sentiment":"neutral","sentiment_score":0.12348989397287367}],"sentiment":"neutral","sentiment_score":0.12348989397287367,"channel":1,"num_words":1,"start":50.505,"end":51.005},{"sentences":[{"text":"to what I'm saying and can get a little bit a 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just","start":54.755,"end":55.075,"sentiment":"neutral","sentiment_score":-0.060141220688819885}],"sentiment":"neutral","sentiment_score":-0.060141220688819885,"channel":0,"num_words":2,"start":54.755,"end":55.075},{"sentences":[{"text":"good.","start":54.905003,"end":55.29,"sentiment":"neutral","sentiment_score":0.043812524527311325}],"sentiment":"neutral","sentiment_score":0.043812524527311325,"channel":1,"num_words":1,"start":54.905003,"end":55.29},{"sentences":[{"text":"run through those.","start":55.075,"end":55.715,"sentiment":"neutral","sentiment_score":0.0738200197617213},{"text":"I'll try to keep it nice and brief there for","start":55.715,"end":57.715,"sentiment":"neutral","sentiment_score":0.1239673376083374}],"sentiment":"neutral","sentiment_score":0.11239487964373368,"channel":0,"num_words":13,"start":55.075,"end":57.715},{"sentences":[{"text":"Yeah.","start":57.61,"end":58.11,"sentiment":"neutral","sentiment_score":0.06721777468919754}],"sentiment":"neutral","sentiment_score":0.06721777468919754,"channel":1,"num_words":1,"start":57.61,"end":58.11},{"sentences":[{"text":"you, and then I'll let you go back.","start":57.715,"end":59.449997,"sentiment":"neutral","sentiment_score":0.09117492381483316},{"text":"And have a really good read of the document, and","start":59.449997,"end":61.21,"sentiment":"neutral","sentiment_score":0.17289609536528588}],"sentiment":"neutral","sentiment_score":0.13657557467619577,"channel":0,"num_words":18,"start":57.715,"end":61.21},{"sentences":[{"text":"Sure.","start":61.13,"end":61.63,"sentiment":"neutral","sentiment_score":0.13105279207229614}],"sentiment":"neutral","sentiment_score":0.13105279207229614,"channel":1,"num_words":1,"start":61.13,"end":61.63},{"sentences":[{"text":"you can let me know if you do have any questions in the meantime.","start":61.21,"end":63.87,"sentiment":"neutral","sentiment_score":0.11405627003737859},{"text":"Okay?","start":63.929996,"end":64.42999,"sentiment":"neutral","sentiment_score":0.06917211413383484}],"sentiment":"neutral","sentiment_score":0.11106399297714234,"channel":0,"num_words":15,"start":61.21,"end":64.42999},{"sentences":[{"text":"No 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04/08/2026.","start":301.69998,"end":308.56497,"sentiment":"neutral","sentiment_score":0.05684951568643252},{"text":"It's","start":308.56497,"end":308.88498,"sentiment":"neutral","sentiment_score":0.07440453767776489}],"sentiment":"neutral","sentiment_score":0.07088486813008785,"channel":0,"num_words":30,"start":298.82,"end":308.88498},{"sentences":[{"text":"Mhmm.","start":308.68503,"end":309.06,"sentiment":"neutral","sentiment_score":0.026454005390405655}],"sentiment":"neutral","sentiment_score":0.026454005390405655,"channel":1,"num_words":1,"start":308.68503,"end":309.06},{"sentences":[{"text":"insane that this year is flying by so quickly.","start":308.88498,"end":311.38498,"sentiment":"neutral","sentiment_score":-0.1487705177730984},{"text":"It has been prepared by myself and my lovely team here at Oakview Financial, and my license number registered is 1304394.","start":312.965,"end":320.405,"sentiment":"neutral","sentiment_score":0.21732804285628454},{"text":"Okay?","start":320.405,"end":320.905,"sentiment":"neutral","sentiment_score":0.06872865557670593},{"text":"We do like to make sure that we are noting that any advice we do provide is provided under the best interest duty, which is a part of the corporations.","start":322.22,"end":328.56,"sentiment":"neutral","sentiment_score":0.07573758761088054},{"text":"That's where we are licensed under section nine of the corporations.","start":328.62,"end":331.12,"sentiment":"neutral","sentiment_score":0.0614959140392867}],"sentiment":"neutral","sentiment_score":0.08669813303276896,"channel":0,"num_words":72,"start":308.88498,"end":331.12},{"sentences":[{"text":"That's what's important that we are understanding your goals and objectives and making sure the advice is provided in 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100,000.","start":349.13,"end":357.77002,"sentiment":"neutral","sentiment_score":0.07660703919827938},{"text":"So at the moment, your current life and TPD benefit is $650,006.06 7.","start":357.77002,"end":363.39,"sentiment":"neutral","sentiment_score":0.042488910974218294}],"sentiment":"neutral","sentiment_score":0.014684505588733233,"channel":0,"num_words":65,"start":343.085,"end":363.39},{"sentences":[{"text":"Mhmm.","start":363.48,"end":363.98,"sentiment":"neutral","sentiment_score":0.03614689037203789}],"sentiment":"neutral","sentiment_score":0.03614689037203789,"channel":1,"num_words":1,"start":363.48,"end":363.98},{"sentences":[{"text":"These are paid wholly out of your super funds, and you've got the same amount of TPD as life there.","start":363.785,"end":369.705,"sentiment":"neutral","sentiment_score":0.05181810986250639},{"text":"You wanted to increase that a 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6,538.","start":428.975,"end":443.0,"sentiment":"neutral","sentiment_score":0.2818563687495696},{"text":"We did talk about looking at holding this inside super and outside of super.","start":443.62,"end":447.8,"sentiment":"neutral","sentiment_score":0.06575172900089196}],"sentiment":"neutral","sentiment_score":0.28693897122373946,"channel":0,"num_words":65,"start":425.215,"end":447.8},{"sentences":[{"text":"Mhmm.","start":447.585,"end":448.085,"sentiment":"neutral","sentiment_score":0.09448742866516112}],"sentiment":"neutral","sentiment_score":0.09448742866516112,"channel":1,"num_words":1,"start":447.585,"end":448.085},{"sentences":[{"text":"I am recommending you do hold this policy fully inside super.","start":448.295,"end":451.495,"sentiment":"neutral","sentiment_score":0.16449144889007916},{"text":"The premiums are coming out of your super fund and not out of your back 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$1,158.","start":536.975,"end":541.53,"sentiment":"neutral","sentiment_score":0.21305964721573722}],"sentiment":"neutral","sentiment_score":0.21305964721573722,"channel":0,"num_words":9,"start":536.975,"end":541.53},{"sentences":[{"text":"Okay.","start":541.71,"end":542.145,"sentiment":"neutral","sentiment_score":0.31767553091049194}],"sentiment":"neutral","sentiment_score":0.31767553091049194,"channel":1,"num_words":1,"start":541.71,"end":542.145},{"sentences":[{"text":"And majority of that is the income protection there, so all being paid out is super to make it easier on your 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injury.","start":561.185,"end":566.645,"sentiment":"neutral","sentiment_score":0.14989482340487567}],"sentiment":"neutral","sentiment_score":0.14989482340487567,"channel":0,"num_words":22,"start":561.185,"end":566.645},{"sentences":[{"text":"Yep.","start":567.19995,"end":567.555,"sentiment":"neutral","sentiment_score":0.10818010568618774}],"sentiment":"neutral","sentiment_score":0.10818010568618774,"channel":1,"num_words":1,"start":567.19995,"end":567.555},{"sentences":[{"text":"The when we do look at increase, obviously, you do have your life on PVD.","start":567.745,"end":571.85,"sentiment":"neutral","sentiment_score":0.07520610143740972},{"text":"I am recommending the increase stay with ClearView.","start":571.91,"end":574.14996,"sentiment":"neutral","sentiment_score":0.1628297846764326},{"text":"I did look at all the other insurers out there and looked at the options for other insurance 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I","start":674.225,"end":674.785,"sentiment":"neutral","sentiment_score":-0.02827935293316841}],"sentiment":"neutral","sentiment_score":-0.23787352194388708,"channel":0,"num_words":9,"start":672.225,"end":674.785},{"sentences":[{"text":"Mhmm.","start":674.75,"end":675.25,"sentiment":"neutral","sentiment_score":0.0283645112067461}],"sentiment":"neutral","sentiment_score":0.0283645112067461,"channel":1,"num_words":1,"start":674.75,"end":675.25},{"sentences":[{"text":"I and your review, I wanna review these with you.","start":674.785,"end":677.55,"sentiment":"neutral","sentiment_score":0.08108947314321995},{"text":"We should be able to start hopefully reducing the cover back as your super balance increases, as your mortgage decreases, as you get closer to retirement there to alleviate the cost the pressure on your super, 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bit","start":877.23004,"end":877.87,"sentiment":"neutral","sentiment_score":0.12182235717773438}],"sentiment":"neutral","sentiment_score":0.1938115039314979,"channel":0,"num_words":39,"start":867.215,"end":877.87},{"sentences":[{"text":"Mhmm.","start":877.66003,"end":878.16003,"sentiment":"neutral","sentiment_score":0.04143378883600235}],"sentiment":"neutral","sentiment_score":0.04143378883600235,"channel":1,"num_words":1,"start":877.66003,"end":878.16003},{"sentences":[{"text":"more of a buffer.","start":877.87,"end":878.69,"sentiment":"neutral","sentiment_score":0.055100152269005775},{"text":"Okay?","start":878.91003,"end":879.41003,"sentiment":"neutral","sentiment_score":0.1874360889196396}],"sentiment":"neutral","sentiment_score":0.08156733959913254,"channel":0,"num_words":5,"start":877.87,"end":879.41003},{"sentences":[{"text":"Cool.","start":880.06006,"end":880.56006,"sentiment":"positive","sentiment_score":0.5784093737602234}],"sentiment":"positive","sentiment_score":0.5784093737602234,"channel":1,"num_words":1,"start":880.06006,"end":880.56006},{"sentences":[{"text":"All good.","start":881.31,"end":882.05,"sentiment":"positive","sentiment_score":0.6206463277339935},{"text":"I do also have a few more advantages, disadvantages, risks, and alternatives that have been considered in there.","start":882.59,"end":888.205,"sentiment":"neutral","sentiment_score":0.09882402564916345},{"text":"When you're looking at the document, feel free to run your eyes over that one.","start":888.205,"end":891.405,"sentiment":"neutral","sentiment_score":0.10772002538045247},{"text":"Have a bit of a look there.","start":891.405,"end":892.705,"sentiment":"neutral","sentiment_score":0.1304862999490329},{"text":"If you","start":892.925,"end":893.245,"sentiment":"neutral","sentiment_score":0.12230321764945984}],"sentiment":"neutral","sentiment_score":0.1316803643818606,"channel":0,"num_words":44,"start":881.31,"end":893.245},{"sentences":[{"text":"Mhmm.","start":893.195,"end":893.695,"sentiment":"neutral","sentiment_score":0.10830924659967422}],"sentiment":"neutral","sentiment_score":0.10830924659967422,"channel":1,"num_words":1,"start":893.195,"end":893.695},{"sentences":[{"text":"do have any questions, let me know.","start":893.245,"end":895.005,"sentiment":"neutral","sentiment_score":0.16088355013302394},{"text":"And if you are happy to sign that one and take on those recommendations, we'll just get get you to sign the document back, and I'll book you with one one of my lovely team members to go through the application.","start":895.005,"end":903.59,"sentiment":"neutral","sentiment_score":0.2487285438834167},{"text":"Okay.","start":903.97003,"end":904.47003,"sentiment":"positive","sentiment_score":0.3486127257347107}],"sentiment":"neutral","sentiment_score":0.23821771175277476,"channel":0,"num_words":49,"start":893.245,"end":904.47003},{"sentences":[{"text":"Amazing.","start":904.33,"end":904.83,"sentiment":"positive","sentiment_score":0.5659960508346558},{"text":"Amazing.","start":905.13,"end":905.63,"sentiment":"positive","sentiment_score":0.6150689721107483}],"sentiment":"positive","sentiment_score":0.590532511472702,"channel":1,"num_words":2,"start":904.33,"end":905.63},{"sentences":[{"text":"Excellent.","start":905.73,"end":906.23,"sentiment":"positive","sentiment_score":0.6205369830131531},{"text":"Now with these changes, as I kinda mentioned, we have noted with what's been happening in the world generally that we did sort of flag some things in your super when I was reviewing everything.","start":907.33,"end":915.705,"sentiment":"neutral","sentiment_score":0.08750494558896338},{"text":"There has been some changes to the market, which I wanted to make sure are reflective of your super as well.","start":916.24506,"end":921.065,"sentiment":"neutral","sentiment_score":0.11864634887093589}],"sentiment":"neutral","sentiment_score":0.10832953341958816,"channel":0,"num_words":57,"start":905.73,"end":921.065},{"sentences":[{"text":"Mhmm.","start":921.185,"end":921.63,"sentiment":"neutral","sentiment_score":0.003311382606625557}],"sentiment":"neutral","sentiment_score":0.003311382606625557,"channel":1,"num_words":1,"start":921.185,"end":921.63},{"sentences":[{"text":"So I have decided as part of this, we are retaining Hub 24.","start":921.445,"end":924.565,"sentiment":"neutral","sentiment_score":0.023524317890405655},{"text":"It is a great fund.","start":924.565,"end":925.68506,"sentiment":"neutral","sentiment_score":0.2847838968038559},{"text":"However, some of your underlying investors have have been underperforming a little bit there.","start":925.68506,"end":929.84,"sentiment":"neutral","sentiment_score":-0.30801605007478167},{"text":"So I wanted to have those removed, and I wanted to move you into a portfolio that has been performing a little bit better.","start":929.84,"end":935.44,"sentiment":"neutral","sentiment_score":-0.07055878608177106},{"text":"Okay?","start":935.44,"end":935.94,"sentiment":"neutral","sentiment_score":-0.018864106386899948}],"sentiment":"neutral","sentiment_score":-0.075346737838628,"channel":0,"num_words":57,"start":921.445,"end":935.94},{"sentences":[{"text":"Mhmm.","start":935.79,"end":936.29,"sentiment":"neutral","sentiment_score":-0.01435179729014635}],"sentiment":"neutral","sentiment_score":-0.01435179729014635,"channel":1,"num_words":1,"start":935.79,"end":936.29},{"sentences":[{"text":"So when we are when you are looking at the document, you'll see on page 16, we essentially have what we are gonna be buying and selling.","start":937.2,"end":943.86005,"sentiment":"neutral","sentiment_score":-0.02056968467379058},{"text":"But as part of these changes, you did initially have the Bennelong Australian equities in there.","start":944.055,"end":949.675,"sentiment":"neutral","sentiment_score":-0.06183861522004008},{"text":"You had quite a lot of Bennelong Australian equities.","start":949.895,"end":952.21497,"sentiment":"neutral","sentiment_score":-0.09931532500518693},{"text":"Unfortunately, Bennelong have had some issues in their management, and they have unfortunately been underperforming significantly.","start":952.21497,"end":955.8097,"sentiment":"neutral","sentiment_score":-0.3088127803057432},{"text":"So I am selling all of them off.","start":955.8097,"end":955.895,"sentiment":"neutral","sentiment_score":-0.26438511721789837}],"sentiment":"neutral","sentiment_score":-0.12493056154466774,"channel":0,"num_words":76,"start":937.2,"end":955.895},{"sentences":[{"text":"I 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has been performing really well over the twelve months, it is a growth investment, and we wanna cement some of those gains and have them reinvested back into other areas there for you in your","start":975.175,"end":986.375,"sentiment":"neutral","sentiment_score":0.3205235947511698}],"sentiment":"neutral","sentiment_score":0.2717611335631874,"channel":0,"num_words":45,"start":973.095,"end":986.375},{"sentences":[{"text":"Yep.","start":986.2,"end":986.7,"sentiment":"neutral","sentiment_score":0.13494521379470825}],"sentiment":"neutral","sentiment_score":0.13494521379470825,"channel":1,"num_words":1,"start":986.2,"end":986.7},{"sentences":[{"text":"portfolio.","start":986.375,"end":986.875,"sentiment":"neutral","sentiment_score":0.0925687849521637}],"sentiment":"neutral","sentiment_score":0.0925687849521637,"channel":0,"num_words":1,"start":986.375,"end":986.875},{"sentences":[{"text":"Mhmm.","start":987.355,"end":987.855,"sentiment":"neutral","sentiment_score":-0.014082243666052818}],"sentiment":"neutral","sentiment_score":-0.014082243666052818,"channel":1,"num_words":1,"start":987.355,"end":987.855},{"sentences":[{"text":"The BetaShares Global Agriculture, we're gonna 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you.","start":1008.015,"end":1017.155,"sentiment":"neutral","sentiment_score":0.034526704901866996},{"text":"Okay?","start":1017.375,"end":1017.875,"sentiment":"neutral","sentiment_score":0.10288187861442566}],"sentiment":"neutral","sentiment_score":0.0010029841101537717,"channel":0,"num_words":55,"start":1002.895,"end":1017.875},{"sentences":[{"text":"Cool.","start":1017.87,"end":1018.37,"sentiment":"positive","sentiment_score":0.35292017459869385}],"sentiment":"positive","sentiment_score":0.35292017459869385,"channel":1,"num_words":1,"start":1017.87,"end":1018.37},{"sentences":[{"text":"So removing all of those investments, we are keeping gold, just rebalancing it, bringing it back to about 10%, cementing some of the gains that you've seen, and reinvesting those in other areas since, you know, provide a bit more of a cushion effect and keep those gains rolling a 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that S and P index or not.","start":1055.49,"end":1064.055,"sentiment":"neutral","sentiment_score":0.19257889155830657},{"text":"If they no longer qualify, they are removed and replaced with something else that does qualify to be in there.","start":1064.295,"end":1069.655,"sentiment":"neutral","sentiment_score":0.10956139713525773},{"text":"So it sort of gives you a bit of clarity","start":1069.655,"end":1072.135,"sentiment":"neutral","sentiment_score":0.17358419448137283}],"sentiment":"neutral","sentiment_score":0.22803923788696828,"channel":0,"num_words":99,"start":1044.905,"end":1072.135},{"sentences":[{"text":"Sure.","start":1072.035,"end":1072.535,"sentiment":"neutral","sentiment_score":0.2237763404846191}],"sentiment":"neutral","sentiment_score":0.2237763404846191,"channel":1,"num_words":1,"start":1072.035,"end":1072.535},{"sentences":[{"text":"that you are always invested in the top 500 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criteria.","start":1075.8151,"end":1082.27,"sentiment":"neutral","sentiment_score":-0.2062566386801856},{"text":"So","start":1082.65,"end":1083.13,"sentiment":"neutral","sentiment_score":0.1320166289806366}],"sentiment":"neutral","sentiment_score":-0.19088058105923913,"channel":0,"num_words":22,"start":1075.8151,"end":1083.13},{"sentences":[{"text":"Sure.","start":1082.995,"end":1083.495,"sentiment":"positive","sentiment_score":0.35077935457229614}],"sentiment":"positive","sentiment_score":0.35077935457229614,"channel":1,"num_words":1,"start":1082.995,"end":1083.495},{"sentences":[{"text":"it is still a really good place to be.","start":1083.13,"end":1084.97,"sentiment":"positive","sentiment_score":0.608790205584632},{"text":"It has been a bit volatile.","start":1084.97,"end":1086.3301,"sentiment":"positive","sentiment_score":0.4521801322698593},{"text":"It is a growth investment, but it does when you look at it over the course of ten to twenty or thirty years, does give you great returns.","start":1086.3301,"end":1093.305,"sentiment":"positive","sentiment_score":0.49456350186041426},{"text":"So it is still a good place to have your investment.","start":1093.305,"end":1095.645,"sentiment":"positive","sentiment_score":0.593926494771784}],"sentiment":"positive","sentiment_score":0.529132632193742,"channel":0,"num_words":54,"start":1083.13,"end":1095.645},{"sentences":[{"text":"Mhmm.","start":1096.42,"end":1096.725,"sentiment":"neutral","sentiment_score":0.08746881037950516}],"sentiment":"neutral","sentiment_score":0.08746881037950516,"channel":1,"num_words":1,"start":1096.42,"end":1096.725},{"sentences":[{"text":"Okay?","start":1097.385,"end":1097.865,"sentiment":"neutral","sentiment_score":0.08102098107337952},{"text":"We've also got the iShares Europe.","start":1097.865,"end":1099.885,"sentiment":"neutral","sentiment_score":0.10274362936615944},{"text":"So, again, Europe has still seen a bit of the ups and downs as what is happening with Iran at the moment, but it is still a really good place to be invested and does provide a diversification.","start":1099.945,"end":1109.43,"sentiment":"neutral","sentiment_score":0.21263131087547854},{"text":"This is not one or two or three European countries.","start":1109.89,"end":1112.2101,"sentiment":"neutral","sentiment_score":0.03886455949395895},{"text":"It's encompassing all of them.","start":1112.2101,"end":1113.7301,"sentiment":"neutral","sentiment_score":0.042555002868175505}],"sentiment":"neutral","sentiment_score":0.15631488633031645,"channel":0,"num_words":60,"start":1097.385,"end":1113.7301},{"sentences":[{"text":"So","start":1113.7301,"end":1114.2301,"sentiment":"neutral","sentiment_score":0.14405779540538788}],"sentiment":"neutral","sentiment_score":0.14405779540538788,"channel":0,"num_words":1,"start":1113.7301,"end":1114.2301},{"sentences":[{"text":"Mhmm.","start":1114.34,"end":1114.84,"sentiment":"neutral","sentiment_score":0.21474677324295044}],"sentiment":"neutral","sentiment_score":0.21474677324295044,"channel":1,"num_words":1,"start":1114.34,"end":1114.84},{"sentences":[{"text":"some of the companies within Europe are still seeing great returns and positive things are occurring, whilst other areas in Europe are not seeing as good of returns.","start":1114.4501,"end":1122.245,"sentiment":"neutral","sentiment_score":0.29047034068831373},{"text":"So it is still a great place to be.","start":1122.245,"end":1124.165,"sentiment":"positive","sentiment_score":0.5608940356307559},{"text":"We're only gonna have about 8% of your portfolio in there, but having that","start":1124.165,"end":1127.925,"sentiment":"positive","sentiment_score":0.3402100130915642}],"sentiment":"positive","sentiment_score":0.3518461969261076,"channel":0,"num_words":51,"start":1114.4501,"end":1127.925},{"sentences":[{"text":"Mhmm.","start":1127.795,"end":1128.295,"sentiment":"positive","sentiment_score":0.3985450267791748}],"sentiment":"positive","sentiment_score":0.3985450267791748,"channel":1,"num_words":1,"start":1127.795,"end":1128.295},{"sentences":[{"text":"is good for diversification and long term growth as well.","start":1127.925,"end":1131.0651,"sentiment":"positive","sentiment_score":0.4127313196659088},{"text":"Okay?","start":1131.125,"end":1131.625,"sentiment":"neutral","sentiment_score":0.11862071603536606}],"sentiment":"positive","sentiment_score":0.3859939920631322,"channel":0,"num_words":11,"start":1127.925,"end":1131.625},{"sentences":[{"text":"Sure.","start":1131.555,"end":1132.055,"sentiment":"neutral","sentiment_score":0.10015755891799928}],"sentiment":"neutral","sentiment_score":0.10015755891799928,"channel":1,"num_words":1,"start":1131.555,"end":1132.055},{"sentences":[{"text":"Japan.","start":1132.7999,"end":1133.2999,"sentiment":"neutral","sentiment_score":0.10047895461320876},{"text":"So the iShares Japan is a great place to be invested, again, giving you a little bit more diversification.","start":1133.52,"end":1138.1,"sentiment":"neutral","sentiment_score":0.2814806558583912},{"text":"Over the last sort of twelve months, we did see where a lot of times the Australian market or, say, The US market might not be performing as well.","start":1139.0399,"end":1146.72,"sentiment":"neutral","sentiment_score":0.02026401299597888},{"text":"We do tend to find Japan tends to work separately.","start":1146.72,"end":1150.055,"sentiment":"neutral","sentiment_score":0.0812591291964054},{"text":"So where Australia and US might be going down, Japan tends to show it goes up a little bit.","start":1150.1951,"end":1154.675,"sentiment":"neutral","sentiment_score":0.1292384068824743}],"sentiment":"neutral","sentiment_score":0.11928703609662943,"channel":0,"num_words":78,"start":1132.7999,"end":1154.675},{"sentences":[{"text":"So it is good there for diversification.","start":1154.675,"end":1156.535,"sentiment":"neutral","sentiment_score":0.288841187953949},{"text":"It doesn't work.","start":1156.995,"end":1157.9551,"sentiment":"neutral","sentiment_score":0.05024653424819311},{"text":"It's not correlated to other areas.","start":1157.9551,"end":1160.115,"sentiment":"neutral","sentiment_score":0.07416745461523533},{"text":"It does sort of have its own sort of correlation, which is great, and Japan has seen some good returns.","start":1160.115,"end":1166.24,"sentiment":"neutral","sentiment_score":0.317231597751379},{"text":"And they're also because of what's happening with China with a lot of the the increased tensions throughout China, a lot of things are moving into Japan.","start":1166.78,"end":1173.4199,"sentiment":"neutral","sentiment_score":0.20767274995644888}],"sentiment":"neutral","sentiment_score":0.23126077539627515,"channel":0,"num_words":63,"start":1154.675,"end":1173.4199},{"sentences":[{"text":"So we do see it as a much a much greater growth area moving forward, and we'll put about 5% of your portfolio in that investment option.","start":1173.4199,"end":1182.185,"sentiment":"positive","sentiment_score":0.3506997713336238},{"text":"Okay?","start":1182.3251,"end":1182.8251,"sentiment":"neutral","sentiment_score":0.1806662678718567}],"sentiment":"positive","sentiment_score":0.3446271462099893,"channel":0,"num_words":28,"start":1173.4199,"end":1182.8251},{"sentences":[{"text":"Thank you.","start":1182.875,"end":1183.775,"sentiment":"positive","sentiment_score":0.3935422748327255}],"sentiment":"positive","sentiment_score":0.3935422748327255,"channel":1,"num_words":2,"start":1182.875,"end":1183.775},{"sentences":[{"text":"We have the Vanguard or WorldX US.","start":1184.165,"end":1186.8251,"sentiment":"neutral","sentiment_score":0.10879101444567953},{"text":"So this is essentially looking at all the world globally, so every country minus The US because you do have the S and P 500.","start":1186.885,"end":1194.5499,"sentiment":"neutral","sentiment_score":0.017948362901806833}],"sentiment":"neutral","sentiment_score":0.037820192927028984,"channel":0,"num_words":32,"start":1184.165,"end":1194.5499},{"sentences":[{"text":"Mhmm.","start":1194.9299,"end":1195.4299,"sentiment":"neutral","sentiment_score":0.0607011653482914}],"sentiment":"neutral","sentiment_score":0.0607011653482914,"channel":1,"num_words":1,"start":1194.9299,"end":1195.4299},{"sentences":[{"text":"One of the big things about looking at diversification is diversifying globally.","start":1194.9299,"end":1199.35,"sentiment":"neutral","sentiment_score":0.11723208458473285},{"text":"So we're looking at not only Europe, Japan, The US, Australia, and other developed nations, but also other developing nations as well.","start":1199.57,"end":1207.185,"sentiment":"neutral","sentiment_score":0.10535563799467954},{"text":"So you've got some current countries that have got great returns that have seen in the past, which might correlate and move together, but other developing nations that might are expected to see really good growth moving forward there as well.","start":1207.185,"end":1220.27,"sentiment":"positive","sentiment_score":0.34517273924699643},{"text":"And this Vanguard or World ex US investment option gives you diversification in those sorts of areas, and we're only putting about 8% in there for you.","start":1220.27,"end":1229.385,"sentiment":"neutral","sentiment_score":0.2520088994944537},{"text":"So it's more of a, you know, a branch out kinda area that we wanna see great growth in for you, but it is tracking the all world index as well.","start":1229.385,"end":1238.3451,"sentiment":"neutral","sentiment_score":0.2603684682999888}],"sentiment":"neutral","sentiment_score":0.24625830198253007,"channel":0,"num_words":133,"start":1194.9299,"end":1238.3451},{"sentences":[{"text":"Okay?","start":1238.3451,"end":1238.8451,"sentiment":"neutral","sentiment_score":0.07536878436803818}],"sentiment":"neutral","sentiment_score":0.07536878436803818,"channel":0,"num_words":1,"start":1238.3451,"end":1238.8451},{"sentences":[{"text":"Mhmm.","start":1239.025,"end":1239.525,"sentiment":"neutral","sentiment_score":0.05390695482492447}],"sentiment":"neutral","sentiment_score":0.05390695482492447,"channel":1,"num_words":1,"start":1239.025,"end":1239.525},{"sentences":[{"text":"We've got the BetaShares Australian 200.","start":1240.265,"end":1242.425,"sentiment":"neutral","sentiment_score":0.0523399127026399},{"text":"Now because we are getting rid of the Raffi and the Beddalong Australian Equities, putting that into the a 200, this is a tracking following the top 200 companies on the ASX.","start":1242.425,"end":1254.03,"sentiment":"neutral","sentiment_score":0.06967075739521533},{"text":"And, again, just like the S and P 500, it tracks an index.","start":1254.03,"end":1257.33,"sentiment":"neutral","sentiment_score":0.06602435702314743},{"text":"And for companies to be in that index, they have to meet a certain criteria.","start":1257.615,"end":1261.075,"sentiment":"neutral","sentiment_score":0.05344125740230084},{"text":"So if that company's you know, when they meet if the when the investment committee meet, if the company doesn't meet the criteria, they are moved out and something else is placed in its in its place.","start":1261.375,"end":1270.83,"sentiment":"neutral","sentiment_score":0.016458448859535763}],"sentiment":"neutral","sentiment_score":0.046722347796126044,"channel":0,"num_words":103,"start":1240.265,"end":1270.83},{"sentences":[{"text":"The","start":1271.3099,"end":1271.47,"sentiment":"neutral","sentiment_score":0.19976021349430084}],"sentiment":"neutral","sentiment_score":0.19976021349430084,"channel":0,"num_words":1,"start":1271.3099,"end":1271.47},{"sentences":[{"text":"Mhmm.","start":1271.34,"end":1271.84,"sentiment":"neutral","sentiment_score":0.20645514130592343}],"sentiment":"neutral","sentiment_score":0.20645514130592343,"channel":1,"num_words":1,"start":1271.34,"end":1271.84},{"sentences":[{"text":"a 200 is good.","start":1271.47,"end":1272.51,"sentiment":"positive","sentiment_score":0.45488835871219635},{"text":"It's more passive.","start":1272.51,"end":1273.3099,"sentiment":"positive","sentiment_score":0.44561543067296344},{"text":"It's also cheaper than having been along in there, so it actually saves you on investment fees, which is another great asset.","start":1273.3099,"end":1279.6499,"sentiment":"positive","sentiment_score":0.5120271539146249},{"text":"And the a 200 is tracking it's more passive.","start":1280.19,"end":1283.1499,"sentiment":"neutral","sentiment_score":0.28012727200984955},{"text":"So it tracks the index up and down, participating in the market.","start":1283.1499,"end":1286.6849,"sentiment":"neutral","sentiment_score":0.2941124973197778}],"sentiment":"positive","sentiment_score":0.4094298505783081,"channel":0,"num_words":50,"start":1271.47,"end":1286.6849},{"sentences":[{"text":"So you're not trying you don't have investment managers who are trying to outperform indexes and risking a lot more.","start":1286.6849,"end":1292.545,"sentiment":"neutral","sentiment_score":0.23119755312800408},{"text":"It's","start":1292.6849,"end":1292.925,"sentiment":"positive","sentiment_score":0.34691011905670166}],"sentiment":"neutral","sentiment_score":0.2367076753150849,"channel":0,"num_words":21,"start":1286.6849,"end":1292.925},{"sentences":[{"text":"Mhmm.","start":1292.895,"end":1293.395,"sentiment":"neutral","sentiment_score":0.2990114092826843}],"sentiment":"neutral","sentiment_score":0.2990114092826843,"channel":1,"num_words":1,"start":1292.895,"end":1293.395},{"sentences":[{"text":"a lot more passive, a lot lower cost, and has seen greater returns in the past than what Benelon has.","start":1292.925,"end":1297.985,"sentiment":"positive","sentiment_score":0.49908184334635736},{"text":"Okay.","start":1298.045,"end":1298.545,"sentiment":"neutral","sentiment_score":0.24797356128692627}],"sentiment":"positive","sentiment_score":0.48712430610543206,"channel":0,"num_words":21,"start":1292.925,"end":1298.545},{"sentences":[{"text":"Sure.","start":1298.93,"end":1299.43,"sentiment":"positive","sentiment_score":0.3853054642677307}],"sentiment":"positive","sentiment_score":0.3853054642677307,"channel":1,"num_words":1,"start":1298.93,"end":1299.43},{"sentences":[{"text":"Excellent.","start":1299.89,"end":1300.39,"sentiment":"neutral","sentiment_score":0.12667182087898254},{"text":"And then because it's important to have some defensive investments as well, we are removing the bank hybrids out of there due to them being removed later on over the next couple of years.","start":1301.1699,"end":1309.73,"sentiment":"neutral","sentiment_score":0.027224731741144377},{"text":"We're gonna move put you into the core composite bonds.","start":1309.73,"end":1312.47,"sentiment":"neutral","sentiment_score":0.08120681792497635},{"text":"So bonds are great defensive investments.","start":1312.765,"end":1315.105,"sentiment":"positive","sentiment_score":0.4487109382947286},{"text":"They are lower cost.","start":1315.165,"end":1316.365,"sentiment":"positive","sentiment_score":0.34837283939123154}],"sentiment":"neutral","sentiment_score":0.10818432484838096,"channel":0,"num_words":55,"start":1299.89,"end":1316.365},{"sentences":[{"text":"They are if you're putting money into corporate as well as company bonds.","start":1316.365,"end":1320.785,"sentiment":"neutral","sentiment_score":0.2233302123271502},{"text":"The bonds also encompasses bonds and bank notes and other sort of debt equities around the globe.","start":1321.245,"end":1330.0,"sentiment":"neutral","sentiment_score":0.16208359248497906},{"text":"So it's not just in Australia.","start":1330.0,"end":1331.28,"sentiment":"neutral","sentiment_score":0.14969590430458388},{"text":"This is also looking globally to give you diversification in your defensive investments as well.","start":1331.28,"end":1336.1799,"sentiment":"neutral","sentiment_score":0.26392488479614257},{"text":"And it's about 14% invested in in there.","start":1336.64,"end":1340.005,"sentiment":"neutral","sentiment_score":0.176046559587121}],"sentiment":"neutral","sentiment_score":0.20210398316888487,"channel":0,"num_words":59,"start":1316.365,"end":1340.005},{"sentences":[{"text":"One of the good things about bonds is they are income producing.","start":1340.005,"end":1342.805,"sentiment":"positive","sentiment_score":0.3882020637392998},{"text":"We wanna make sure you've got some income coming into your portfolio.","start":1342.805,"end":1345.405,"sentiment":"neutral","sentiment_score":0.3058622678120931},{"text":"It pays coupon payments or dividend payments like some of the shares do, and they go into your cash account, which can be reinvested, and it helps the compounding effect of your portfolio.","start":1345.405,"end":1355.4199,"sentiment":"neutral","sentiment_score":0.3024595795255719},{"text":"So I noticed a lot.","start":1355.5599,"end":1357.34,"sentiment":"neutral","sentiment_score":0.1271173819899559},{"text":"I have a look through those.","start":1357.5599,"end":1358.84,"sentiment":"neutral","sentiment_score":0.0689292134096225}],"sentiment":"neutral","sentiment_score":0.2846926513730603,"channel":0,"num_words":68,"start":1340.005,"end":1358.84},{"sentences":[{"text":"If you want me to kind of break them down more for you, I will.","start":1358.84,"end":1362.0599,"sentiment":"neutral","sentiment_score":0.07563554669419924},{"text":"I do just kinda go over them very","start":1362.12,"end":1363.7999,"sentiment":"neutral","sentiment_score":0.04740941757336259}],"sentiment":"neutral","sentiment_score":0.0658177626521691,"channel":0,"num_words":23,"start":1358.84,"end":1363.7999},{"sentences":[{"text":"Yeah.","start":1363.7949,"end":1364.2949,"sentiment":"neutral","sentiment_score":0.039298687130212784}],"sentiment":"neutral","sentiment_score":0.039298687130212784,"channel":1,"num_words":1,"start":1363.7949,"end":1364.2949},{"sentences":[{"text":"basically so it's not not everyone's that interested in what they're invested in.","start":1363.7999,"end":1367.595,"sentiment":"neutral","sentiment_score":0.002600773595846616},{"text":"But have a look.","start":1368.075,"end":1368.955,"sentiment":"neutral","sentiment_score":0.023975857999175787},{"text":"If you find you want more information, let me know.","start":1368.955,"end":1371.0349,"sentiment":"neutral","sentiment_score":0.025231088697910308},{"text":"But it's giving you a bit of an idea of what I'm moving and altering","start":1371.0349,"end":1374.155,"sentiment":"neutral","sentiment_score":0.062283230821291606}],"sentiment":"neutral","sentiment_score":0.0313398294771711,"channel":0,"num_words":42,"start":1363.7999,"end":1374.155},{"sentences":[{"text":"Yeah.","start":1374.0349,"end":1374.5149,"sentiment":"neutral","sentiment_score":0.03308681398630142}],"sentiment":"neutral","sentiment_score":0.03308681398630142,"channel":1,"num_words":1,"start":1374.0349,"end":1374.5149},{"sentences":[{"text":"and 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far.","start":1376.19,"end":1377.39,"sentiment":"neutral","sentiment_score":0.18064256509145102},{"text":"So, yeah,","start":1377.39,"end":1378.13,"sentiment":"neutral","sentiment_score":0.2890774607658386}],"sentiment":"neutral","sentiment_score":0.18258053726620144,"channel":1,"num_words":9,"start":1375.95,"end":1378.13},{"sentences":[{"text":"Beautiful.","start":1377.755,"end":1378.255,"sentiment":"positive","sentiment_score":0.6831181049346924}],"sentiment":"positive","sentiment_score":0.6831181049346924,"channel":0,"num_words":1,"start":1377.755,"end":1378.255},{"sentences":[{"text":"easy.","start":1378.19,"end":1378.69,"sentiment":"positive","sentiment_score":0.649651288986206}],"sentiment":"positive","sentiment_score":0.649651288986206,"channel":1,"num_words":1,"start":1378.19,"end":1378.69},{"sentences":[{"text":"Ex excellent.","start":1378.715,"end":1379.775,"sentiment":"positive","sentiment_score":0.7740932106971741},{"text":"Now with this newer portfolio, as I kinda mentioned, it is saving investment fees.","start":1380.84,"end":1384.84,"sentiment":"neutral","sentiment_score":0.2022946093763624},{"text":"So we're moving the ban along and some of the higher cost investments out of there.","start":1384.84,"end":1388.84,"sentiment":"neutral","sentiment_score":0.09383153705857694},{"text":"With the changes, when I had a look at the difference in fees from where you are at the moment to the recommended portfolio, For the year, we can actually save you $665 investment fees.","start":1388.84,"end":1399.475,"sentiment":"neutral","sentiment_score":0.17398292060409273},{"text":"So it's pretty pretty decent cost","start":1399.475,"end":1401.6549,"sentiment":"positive","sentiment_score":0.3921923538049062}],"sentiment":"neutral","sentiment_score":0.19622153273388132,"channel":0,"num_words":73,"start":1378.715,"end":1401.6549},{"sentences":[{"text":"Yeah.","start":1401.885,"end":1402.385,"sentiment":"neutral","sentiment_score":0.22802478075027463}],"sentiment":"neutral","sentiment_score":0.22802478075027463,"channel":1,"num_words":1,"start":1401.885,"end":1402.385},{"sentences":[{"text":"cost reduction there, and that money stays invested in your portfolio for you, which can help for the longer term.","start":1402.195,"end":1408.5,"sentiment":"positive","sentiment_score":0.39552643448114394},{"text":"The newer portfolio has also seen a greater past performance.","start":1409.06,"end":1412.42,"sentiment":"positive","sentiment_score":0.3970566239207983},{"text":"So when we consider the newer portfolio with what you were in currently, were you starting a three year rolling average because the bank hybrids haven't been around long enough long enough to get a five year rolling average.","start":1412.42,"end":1422.84,"sentiment":"neutral","sentiment_score":0.019477004018158484},{"text":"But your current portfolio has averaged about 14.2%, and we know you don't get that every year.","start":1423.925,"end":1429.525,"sentiment":"neutral","sentiment_score":-0.0152403225793558},{"text":"But when we look at the average of what it can do over the past three years, this is what it sort of averaged out to 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newer","start":1443.44,"end":1444.1599,"sentiment":"neutral","sentiment_score":0.24585674703121185}],"sentiment":"neutral","sentiment_score":0.15903433799743652,"channel":0,"num_words":25,"start":1435.9199,"end":1444.1599},{"sentences":[{"text":"Okay.","start":1443.845,"end":1444.345,"sentiment":"neutral","sentiment_score":0.2944990396499634}],"sentiment":"neutral","sentiment_score":0.2944990396499634,"channel":1,"num_words":1,"start":1443.845,"end":1444.345},{"sentences":[{"text":"portfolio has seen greater past performance, which can, depending on markets down the track, can provide you with greater past future performance.","start":1444.1599,"end":1452.285,"sentiment":"positive","sentiment_score":0.4237603328444741},{"text":"Okay?","start":1452.8251,"end":1453.3251,"sentiment":"neutral","sentiment_score":0.18514859676361084}],"sentiment":"positive","sentiment_score":0.4133859095366105,"channel":0,"num_words":23,"start":1444.1599,"end":1453.3251},{"sentences":[{"text":"Sure.","start":1452.965,"end":1453.465,"sentiment":"neutral","sentiment_score":0.13127364218235016}],"sentiment":"neutral","sentiment_score":0.13127364218235016,"channel":1,"num_words":1,"start":1452.965,"end":1453.465},{"sentences":[{"text":"I also do need to make sure I mentioned that we did look at the tax consequences because we are buying and selling investments within your super fund there.","start":1454.8251,"end":1461.545,"sentiment":"neutral","sentiment_score":0.025980750163053644},{"text":"There are taxation consequences for doing so.","start":1461.545,"end":1464.12,"sentiment":"neutral","sentiment_score":-0.029770786740950177},{"text":"Your super","start":1464.2,"end":1464.6,"sentiment":"neutral","sentiment_score":0.14431320875883102}],"sentiment":"neutral","sentiment_score":0.021938754343672803,"channel":0,"num_words":38,"start":1454.8251,"end":1464.6},{"sentences":[{"text":"Mhmm.","start":1464.54,"end":1465.04,"sentiment":"neutral","sentiment_score":0.1784907579421997}],"sentiment":"neutral","sentiment_score":0.1784907579421997,"channel":1,"num_words":1,"start":1464.54,"end":1465.04},{"sentences":[{"text":"fund does a tax return just like you do every year, and the estimated CGT for this is $1,008.","start":1464.6,"end":1471.5599,"sentiment":"neutral","sentiment_score":0.14847189423285032},{"text":"So after we complete the full switch and have 24 try to do it in the most tax effective way for you, But 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easy.","start":1477.405,"end":1485.425,"sentiment":"neutral","sentiment_score":0.07028718446863108}],"sentiment":"neutral","sentiment_score":0.07028718446863108,"channel":0,"num_words":29,"start":1477.405,"end":1485.425},{"sentences":[{"text":"Mhmm.","start":1485.28,"end":1485.68,"sentiment":"neutral","sentiment_score":0.1365080028772354},{"text":"Perfect.","start":1485.68,"end":1486.18,"sentiment":"neutral","sentiment_score":0.3102785050868988}],"sentiment":"neutral","sentiment_score":0.2233932539820671,"channel":1,"num_words":2,"start":1485.28,"end":1486.18},{"sentences":[{"text":"Okay?","start":1485.885,"end":1486.385,"sentiment":"neutral","sentiment_score":0.17749392986297607},{"text":"Yep.","start":1486.685,"end":1487.185,"sentiment":"neutral","sentiment_score":0.25614920258522034},{"text":"Perfect.","start":1487.645,"end":1488.045,"sentiment":"positive","sentiment_score":0.3417852520942688},{"text":"So, realistically, we're saving investment 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tonight","start":1726.07,"end":1726.97,"sentiment":"neutral","sentiment_score":0.12978287786245346}],"sentiment":"neutral","sentiment_score":0.12978287786245346,"channel":1,"num_words":3,"start":1726.07,"end":1726.97},{"sentences":[{"text":"Beautiful.","start":1726.53,"end":1727.03,"sentiment":"positive","sentiment_score":0.4032408595085144}],"sentiment":"positive","sentiment_score":0.4032408595085144,"channel":0,"num_words":1,"start":1726.53,"end":1727.03},{"sentences":[{"text":"and get them back to you today.","start":1727.11,"end":1728.71,"sentiment":"positive","sentiment_score":0.3689255118370056},{"text":"So that's all good.","start":1728.71,"end":1729.9299,"sentiment":"positive","sentiment_score":0.4502156898379326}],"sentiment":"positive","sentiment_score":0.3984855765646154,"channel":1,"num_words":11,"start":1727.11,"end":1729.9299},{"sentences":[{"text":"If you do like a bit of reading, I've also got some of the PDF documents in there for any of the recommendations I've made.","start":1730.93,"end":1736.535,"sentiment":"neutral","sentiment_score":0.14522357881069184},{"text":"I've got your current","start":1736.535,"end":1737.335,"sentiment":"neutral","sentiment_score":0.05281896237283945}],"sentiment":"neutral","sentiment_score":0.13247811447443633,"channel":0,"num_words":29,"start":1730.93,"end":1737.335},{"sentences":[{"text":"Mhmm.","start":1737.265,"end":1737.765,"sentiment":"neutral","sentiment_score":0.03860044106841087}],"sentiment":"neutral","sentiment_score":0.03860044106841087,"channel":1,"num_words":1,"start":1737.265,"end":1737.765},{"sentences":[{"text":"certificate of currency in there for you as well.","start":1737.335,"end":1739.755,"sentiment":"neutral","sentiment_score":0.25470400353272754}],"sentiment":"neutral","sentiment_score":0.25470400353272754,"channel":0,"num_words":9,"start":1737.335,"end":1739.755},{"sentences":[{"text":"Perfect.","start":1739.905,"end":1740.405,"sentiment":"positive","sentiment_score":0.7996826171875}],"sentiment":"positive","sentiment_score":0.7996826171875,"channel":1,"num_words":1,"start":1739.905,"end":1740.405},{"sentences":[{"text":"And I've also added in there just our local financial services guide, which updates any details on us and has a lovely glossy photo of me in there for you as well.","start":1740.215,"end":1748.635,"sentiment":"positive","sentiment_score":0.42306381836533546},{"text":"Okay.","start":1748.6951,"end":1749.1951,"sentiment":"positive","sentiment_score":0.4363463819026947}],"sentiment":"positive","sentiment_score":0.42346632029070996,"channel":0,"num_words":33,"start":1740.215,"end":1749.1951},{"sentences":[{"text":"Excellent.","start":1749.81,"end":1750.31,"sentiment":"positive","sentiment_score":0.7206935882568359},{"text":"No problem.","start":1750.45,"end":1751.11,"sentiment":"positive","sentiment_score":0.4870811700820923}],"sentiment":"positive","sentiment_score":0.5649519761403402,"channel":1,"num_words":3,"start":1749.81,"end":1751.11},{"sentences":[{"text":"And, usually, well, I will let you go to review those ones.","start":1751.71,"end":1754.11,"sentiment":"positive","sentiment_score":0.36632000530759495},{"text":"Just let me know if there's any questions you have.","start":1754.11,"end":1755.79,"sentiment":"neutral","sentiment_score":0.31758537888526917},{"text":"It doesn't matter what it is.","start":1755.79,"end":1756.91,"sentiment":"neutral","sentiment_score":0.22832748045523962},{"text":"And, yeah, if you're happy to go forward with that, then Nick and Nicole, I'll just get you to assign and return those back, and we'll get them sorted for you.","start":1756.91,"end":1764.05,"sentiment":"positive","sentiment_score":0.3434225325622866}],"sentiment":"neutral","sentiment_score":0.3319958855034941,"channel":0,"num_words":59,"start":1751.71,"end":1764.05},{"sentences":[{"text":"Fantastic.","start":1764.0651,"end":1764.5651,"sentiment":"positive","sentiment_score":0.8371887803077698},{"text":"Thank you so much.","start":1764.785,"end":1765.925,"sentiment":"positive","sentiment_score":0.8764917999505997}],"sentiment":"positive","sentiment_score":0.8686311960220336,"channel":1,"num_words":5,"start":1764.0651,"end":1765.925},{"sentences":[{"text":"My pleasure.","start":1766.265,"end":1766.905,"sentiment":"positive","sentiment_score":0.8554527759552002},{"text":"Thank you for your time.","start":1766.905,"end":1767.865,"sentiment":"positive","sentiment_score":0.8547833800315857},{"text":"I hope you have a lovely afternoon.","start":1767.865,"end":1769.645,"sentiment":"positive","sentiment_score":0.8235850759914943}],"sentiment":"positive","sentiment_score":0.8392798560006278,"channel":0,"num_words":14,"start":1766.265,"end":1769.645},{"sentences":[{"text":"Thank you.","start":1770.169,"end":1770.6489,"sentiment":"positive","sentiment_score":0.7738041281700134},{"text":"You too.","start":1770.6489,"end":1771.1289,"sentiment":"positive","sentiment_score":0.6177044808864594},{"text":"You have a good rest of the day.","start":1771.1289,"end":1772.5089,"sentiment":"positive","sentiment_score":0.7320328801870346}],"sentiment":"positive","sentiment_score":0.7199400216341019,"channel":1,"num_words":12,"start":1770.169,"end":1772.5089},{"sentences":[{"text":"Thanks.","start":1772.665,"end":1773.145,"sentiment":"positive","sentiment_score":0.6402167081832886},{"text":"You","start":1773.145,"end":1773.3049,"sentiment":"positive","sentiment_score":0.4837916493415833}],"sentiment":"positive","sentiment_score":0.5620041787624359,"channel":0,"num_words":2,"start":1772.665,"end":1773.3049},{"sentences":[{"text":"Thanks,","start":1773.209,"end":1773.6089,"sentiment":"positive","sentiment_score":0.6273360848426819}],"sentiment":"positive","sentiment_score":0.6273360848426819,"channel":1,"num_words":1,"start":1773.209,"end":1773.6089},{"sentences":[{"text":"too, Nicole.","start":1773.3049,"end":1773.945,"sentiment":"positive","sentiment_score":0.5574208498001099}],"sentiment":"positive","sentiment_score":0.5574208498001099,"channel":0,"num_words":2,"start":1773.3049,"end":1773.945},{"sentences":[{"text":"Diana.","start":1773.6089,"end":1774.0089,"sentiment":"positive","sentiment_score":0.35666120052337646}],"sentiment":"positive","sentiment_score":0.35666120052337646,"channel":1,"num_words":1,"start":1773.6089,"end":1774.0089},{"sentences":[{"text":"See","start":1773.945,"end":1774.105,"sentiment":"neutral","sentiment_score":0.3198559284210205}],"sentiment":"neutral","sentiment_score":0.3198559284210205,"channel":0,"num_words":1,"start":1773.945,"end":1774.105},{"sentences":[{"text":"Cheers.","start":1774.0089,"end":1774.5089,"sentiment":"positive","sentiment_score":0.46471214294433594}],"sentiment":"positive","sentiment_score":0.46471214294433594,"channel":1,"num_words":1,"start":1774.0089,"end":1774.5089},{"sentences":[{"text":"you later.","start":1774.105,"end":1774.765,"sentiment":"neutral","sentiment_score":0.2862824499607086}],"sentiment":"neutral","sentiment_score":0.2862824499607086,"channel":0,"num_words":2,"start":1774.105,"end":1774.765},{"sentences":[{"text":"Bye.","start":1774.729,"end":1775.229,"sentiment":"neutral","sentiment_score":0.20077908039093015}],"sentiment":"neutral","sentiment_score":0.20077908039093015,"channel":1,"num_words":1,"start":1774.729,"end":1775.229},{"sentences":[{"text":"Bye.","start":1775.145,"end":1775.645,"sentiment":"neutral","sentiment_score":-0.10637220740318298}],"sentiment":"neutral","sentiment_score":-0.10637220740318298,"channel":0,"num_words":1,"start":1775.145,"end":1775.645}]},"summary":{"result":"success","short":"A representative from Oakley Financial named Nicole discusses insurance needs with a customer named Nicole, who wants to increase their life and TPD by $100,000 and increase their income by 70% of their income. The agent recommends increasing their life and TPD by around a 100,000 and holding their policy fully inside and outside of super. The agent recommends applying for income protection with the monthly benefit amount of 6, Vivica and reducing their coverage back as risk increases. The agent recommends retaining Hub 24 and reviewing the portfolio for changes, as well as reviewing the portfolio for changes and assigning to return the recommendations."},"intents":{"segments":[{"text":"It's Dana from Oakley Financial. How are you this afternoon? Hi.","start_word":5,"end_word":15,"intents":[{"intent":"Connect with adviser","confidence_score":0.00023831446}]},{"text":"Are you still in the same role that we Yeah. spoke about?","start_word":392,"end_word":403,"intents":[{"intent":"Identify role status","confidence_score":0.00082522817}]},{"text":"wanna have a look at the insurance. If you wanted to increase your life and TCD by a 100,000 and also wanted to have some income Mhmm. protection because you didn't have any before, just giving you a little bit of extra protection in the event you were off work due to illness or injuries.","start_word":469,"end_word":523,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.17853136}]},{"text":"We had everything sort of ready to go, but then we have just noticed this year with a lot of what's happening in in the market generally that we wanted to look at making some changes to your portfolio as well.","start_word":545,"end_word":585,"intents":[{"intent":"Discuss portfolio changes","confidence_score":0.40177402}]},{"text":"We had everything sort of ready to go, but then we have just noticed this year with a lot of what's happening in in the market generally that we wanted to look at making some changes to your portfolio as well. So I kind Mhmm.","start_word":545,"end_word":589,"intents":[{"intent":"Address market changes","confidence_score":0.015453492}]},{"text":"So one of your goals when we sort of touched base last time was that you are working to hopefully retire around about the age of 60. Your Mhmm.","start_word":750,"end_word":778,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.30455184}]},{"text":"That's what's important that we are understanding your goals and objectives and making sure the advice is provided in order Mhmm. to meet those goals and objectives.","start_word":1237,"end_word":1263,"intents":[{"intent":"Understand goals and objectives","confidence_score":0.48019865}]},{"text":"advice is not appropriate, it's important that we are upfront and honest and let you know that as well. Okay?","start_word":1278,"end_word":1297,"intents":[{"intent":"Provide advice","confidence_score":0.14321469}]},{"text":"Now with the recommendations there, as we sort of touch base on with the insurance side of things, you do wanna look at increasing your life and TPD by about a 100,000. So at the moment, your current life and TPD benefit is $650,006.06 7. Mhmm.","start_word":1298,"end_word":1343,"intents":[{"intent":"Increase life and tdpd","confidence_score":0.013052974}]},{"text":"So you actually don't have income protection at the moment and did wanna look at getting some income protection to cover you for up to 70% of your income.","start_word":1420,"end_word":1448,"intents":[{"intent":"Cover income","confidence_score":0.039298955}]},{"text":"Well, in order to make sure you are covered up to the maximum, so 70% of your current income at a 109,000, I am recommending that you do apply for income protection with the monthly benefit amount of 6,538.","start_word":1556,"end_word":1594,"intents":[{"intent":"Apply for benefits","confidence_score":0.0068740943}]},{"text":"By looking at the increase that we are recommending there, it does increase your total premium to $1,693 there. So Okay.","start_word":1895,"end_word":1915,"intents":[{"intent":"Recommend and encourage higher premium","confidence_score":0.0000051742913},{"intent":"Discuss lowering premium","confidence_score":0.012881526}]},{"text":"The benefits here are that by increasing your life and TPD, you get that extra 100,000 added on there, which is a benefit to you. It means you get more paid out in the event of a claim, which is really important to have, and having Mhmm. that monthly benefit in the in the event that you're unable to work in a shorter term due to illness or injury. Yep.","start_word":1950,"end_word":2019,"intents":[{"intent":"Describe benefits of increase","confidence_score":0.0007445804}]},{"text":"I am recommending the increase stay with ClearView. I did look at all the other insurers out there and looked at the options for other insurance options. However, ClearView came out to be the best quality Mhmm. mostly because you already have that Clearview policy. So just increasing your life and CBD with Clearview means they're only gonna underwrite that extra 100,000 for the life and CBD and underwrite that new income policy.","start_word":2035,"end_word":2107,"intents":[{"intent":"Discuss policy options","confidence_score":0.124072544}]},{"text":"So if there are any changes to your health from when we last spoke or when we last, were able to go through the application, it does mean that if there are changes to your health or what, you know, there could be loadings or exclusions applied to that increased policy.","start_word":2109,"end_word":2159,"intents":[{"intent":"Discuss health care impacts","confidence_score":9.614074e-7}]},{"text":"So if there are any changes to your health from when we last spoke or when we last, were able to go through the application, it does mean that if there are changes to your health or what, you know, there could be loadings or exclusions applied to that increased policy. However, if there are, they would only apply to the increase. They wouldn't be backdated to the the last part of the policy, the Sure.","start_word":2109,"end_word":2184,"intents":[{"intent":"Discuss options for policy changes","confidence_score":0.000060735398}]},{"text":"I know when we sort of spoke, there was nothing major that had come out as a red flag. You're nice and healthy, so I don't expect anything. But when we go through the application with my lovely team members here, they'll flag anything with me that I need to review for you. Excellent.","start_word":2197,"end_word":2250,"intents":[{"intent":"Discuss options with team members","confidence_score":0.00012256797}]},{"text":"And if we need to, I'll review the policy or the application prior to it going through to the underwriters to see whether we need to have anything changed. Mhmm.","start_word":2282,"end_word":2311,"intents":[{"intent":"Review policies","confidence_score":0.031918723}]},{"text":"It does increase the amount you are paying to your insurances by that $1,158.96. However, it's about making sure that you do have the level of cover that suits you and meets your goals as well. Okay?","start_word":2311,"end_word":2347,"intents":[{"intent":"Determine coverage level","confidence_score":0.013965789}]},{"text":"We should be able to start hopefully reducing the cover back as your super balance increases, as your mortgage decreases, as you get closer to retirement there to alleviate the cost the pressure on your super, the Mhmm. cost of your premiums. And, hopefully, by the time you retire, have a beautiful super balance so you're completely debt free and not need any insurances at all. Sure. Okay.","start_word":2386,"end_word":2453,"intents":[{"intent":"Reduce coverage","confidence_score":0.09245126}]},{"text":"One of the other benefits that I looked at with Clearview is that we've recommended this policy be held solely inside super.","start_word":2455,"end_word":2476,"intents":[{"intent":"Advise on holding policy","confidence_score":0.0029534285}]},{"text":"One of the other benefits that I looked at with Clearview is that we've recommended this policy be held solely inside super. Clearly, as a whole with your income protection, also have the added benefit of what's called an income protection. It's like a secondary contract that is held outside of super.","start_word":2455,"end_word":2506,"intents":[{"intent":"Understand benefits of out-of-super contract","confidence_score":0.000057576643}]},{"text":"As I think if you're wanting to if you're gonna be paying for insurances, you wanna get the best benefits you can out of these sorts of products. So utilizing them where you can and when you're on a claim. If the insurer provides these sorts of benefits to you, you've been paying the premiums, you're more than entitled to use them.","start_word":2837,"end_word":2898,"intents":[{"intent":"Advise on insurance benefits","confidence_score":0.00090607756}]},{"text":"mean that you're not only your last policy gets paid out, but your partner can also receive the added benefit of a bit extra paid out of your income protection policy as a death benefit.","start_word":3019,"end_word":3053,"intents":[{"intent":"Analyze policy benefits","confidence_score":0.0006532291}]},{"text":"and we'll be rebalancing gold as well. So while gold has been performing really well over the twelve months, it is a growth investment, and we wanna cement some of those gains and have them reinvested back into other areas there for you in your Yep. portfolio. Mhmm.","start_word":3397,"end_word":3444,"intents":[{"intent":"Rebalancing gold","confidence_score":0.657859}]},{"text":"So while gold has been performing really well over the twelve months, it is a growth investment, and we wanna cement some of those gains and have them reinvested back into other areas there for you in your Yep. portfolio.","start_word":3404,"end_word":3443,"intents":[{"intent":"Cementing gains","confidence_score":0.005100721}]},{"text":"So they're actually being phased out by the government over the next couple of years. So we thought while we're looking at maneuvering things, we'll remove those completely out of there as well and reallocate the funds to something that's got more of a long term view for you. Okay? Cool.","start_word":3499,"end_word":3549,"intents":[{"intent":"Removing bank hybrid","confidence_score":0.3186295}]},{"text":"So removing all of those investments, we are keeping gold, just rebalancing it, bringing it back to about 10%, cementing some of the gains that you've seen, and reinvesting those in other areas since, you know, provide a bit more of a cushion effect and keep those gains rolling a bit.","start_word":3550,"end_word":3600,"intents":[{"intent":"Keeping gold","confidence_score":0.055799134},{"intent":"Reinvesting funds","confidence_score":0.03932174},{"intent":"Providing cushion effect","confidence_score":0.012442359}]},{"text":"are keeping the S and P 500. We're gonna buy a bit more into that. I know there is a lot of talk of what's happening in the world generally, but when you look at the S and P 500, it is still a good investment to have. Yep.","start_word":3603,"end_word":3651,"intents":[{"intent":"Maintaining s and p 500","confidence_score":0.5375542},{"intent":"Maintaining s and p 500","confidence_score":0.00789777}]},{"text":"We've also got the iShares Europe. So, again, Europe has still seen a bit of the ups and downs as what is happening with Iran at the moment, but it is still a really good place to be invested and does provide a diversification.","start_word":3842,"end_word":3885,"intents":[{"intent":"Share information","confidence_score":0.00010758254}]},{"text":"of the big things about looking at diversification is diversifying globally.","start_word":4172,"end_word":4182,"intents":[{"intent":"Discuss diversification","confidence_score":0.008201157}]},{"text":"So bonds are great defensive investments. They are lower cost. They are if you're putting money into corporate as well as company bonds. The bonds also encompasses bonds and bank notes and other sort of debt equities around the globe.","start_word":4550,"end_word":4589,"intents":[{"intent":"Explain advantages of bonds","confidence_score":0.000075410135}]},{"text":"So when we consider the newer portfolio with what you were in currently, were you starting a three year rolling average because the bank hybrids haven't been around long enough long enough to get a five year rolling average. But your current portfolio has averaged about 14.2%, and we know you don't get that every year. But when we look at the average of what it can do over the past three years, this is what it sort of averaged out to be.","start_word":4876,"end_word":4958,"intents":[{"intent":"Examine portfolio performance","confidence_score":0.006040588}]},{"text":"The and the other thing I do wanna make sure I mention is we do receive remuneration for insurances. This is paid by the insurer and not by you.","start_word":5597,"end_word":5625,"intents":[{"intent":"Remind about remuneration for insurances","confidence_score":0.012433143}]},{"text":"My recommendations are to be made in your best interest.","start_word":5654,"end_word":5663,"intents":[{"intent":"Review and review recommendations","confidence_score":0.00062493054}]},{"text":"My recommendations are to be made in your best interest. As I mentioned, bound by the corporation back in the best interest duty to do so. But we Mhmm. do like to just make sure you're aware that the the premiums sorry. The remuneration is paid by the insurer to us, and we'd like to make sure it's fully disposed in there for you Mhmm. as well.","start_word":5654,"end_word":5720,"intents":[{"intent":"Delegate remuneration and recommendations","confidence_score":0.000026991333}]},{"text":"And then we also have in there the ongoing service fee. So you are paying that for our service at the moment.","start_word":5729,"end_word":5750,"intents":[{"intent":"Inform about service fee and investment recommendations","confidence_score":0.0030911597}]},{"text":"If you're happy with everything and you do decide to take on board the recommendations, how we'll implement things is we'll start by doing the investment switch. We'll maneuver Mhmm. those investments nice and quick there for you, and then we'll also book in with one of our lovely team members to go through the insurance application so we can get those insurances updated for you as well. Amazing.","start_word":5800,"end_word":5868,"intents":[{"intent":"Obtain and update information on investment switch and insurance application","confidence_score":1.00904664e-7}]}]},"sentiments":{"segments":[{"text":"Hello. Nicole speaking. Hi, Nicole. It's Dana from Oakley Financial. How are you this afternoon? Hi.","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.16880832612514496},{"text":"Good. Thank you. And yourself? I'm very well. Thank you.","start_word":16,"end_word":25,"sentiment":"positive","sentiment_score":0.5764169692993164},{"text":"I had you booked in to run through an updated advice document I've got here for you. Is now still a Yes. good time? Yeah. That's Yep.","start_word":26,"end_word":52,"sentiment":"neutral","sentiment_score":0.2530986964702606},{"text":"all good. No problem. Fantastic.","start_word":53,"end_word":57,"sentiment":"positive","sentiment_score":0.4992035627365112},{"text":"So you happen to have access to your emails at the moment there as well? If you don't, that's absolutely fine. I'll have it like, I can see it on my phone, but that's about Yep. it. So yeah. That's okay. If you wanted to to make it easier, to stop I mean, you don't have to have to stop around me the phone and and put on speaker if you like. I can just run through the recommendations there for you, and then you can take some time to have a look at them a bit later. Is that more Sure. preferable for you, or what Yeah. yourself? Yeah. That's probably the easiest. Yeah. Yeah. That's okay. Not a problem. I know sometimes it can be hard trying to do it on your phone plus Thank listen you. to what I'm saying and can get a little bit a lot. So it's just easier No. if All I just good. run through those. I'll try to keep it nice and brief there for Yeah. you, and then I'll let you go back. And have a really good read of the document, and Sure. you can let me know if you do have any questions in the meantime. Okay? No problem. Perfect. Now before I jump into the call, I'm just gonna let you know I am gonna email this through to you. We do record our calls for quality and training purposes. Are you happy for me to proceed with Mhmm. that? Yeah. That's fine. Yep.","start_word":58,"end_word":314,"sentiment":"neutral","sentiment_score":0.13288122415542605},{"text":"Beautiful.","start_word":315,"end_word":315,"sentiment":"positive","sentiment_score":0.4584644138813019},{"text":"And just to do security there with you as well, I am discussing your personal information. So I'll just confirm your full name, date of birth, and address I should have on file. Sure. Nicole Mararoli, Yeah. June 4 Yep. 1985, and Yep. 14 Fallon Avenue, New York.","start_word":316,"end_word":363,"sentiment":"neutral","sentiment_score":0.08886004025892665},{"text":"Beautiful. Thank you so much.","start_word":364,"end_word":368,"sentiment":"positive","sentiment_score":0.6986445188522339},{"text":"Nicole, last time we touched base, you had were going for a new job. You decided a new role. How's that been going? Are you still in the same role that we Yeah. spoke about? Yep. Yep. I'm still in the same position. So yeah. So just, yeah, coming up to a year come July. So Yep. yeah.","start_word":369,"end_word":426,"sentiment":"neutral","sentiment_score":0.03769994527101517},{"text":"Oh, fantastic. So, so good. You're still enjoying it?","start_word":427,"end_word":435,"sentiment":"positive","sentiment_score":0.45592230558395386},{"text":"Yes. Yeah. Yep.","start_word":436,"end_word":438,"sentiment":"neutral","sentiment_score":0.20459972321987152},{"text":"It's all good.","start_word":439,"end_word":441,"sentiment":"positive","sentiment_score":0.39322972297668457},{"text":"It pays the bills. Exactly. Exactly. No. Perfect. All good. Well, with the advice document, this is sort of around last time we spoke. We did Mhmm. wanna have a look at the insurance. If you wanted to increase your life and TCD by a 100,000 and also wanted to have some income Mhmm. protection because you didn't have any before, just giving you a little bit of extra protection in the event you were off work due to illness or injuries. So we have encompassed that for you. I know it has taken a bit longer to get this advice piece ready. We had everything sort of ready to go, but then we have just noticed this year with a lot of what's happening in in the market generally that we wanted to look at making some changes to your portfolio as well. So I kind Mhmm. of went back and did this advice piece to encompass all of that for you Sure. because there has been some changes to the market conditions. And because your insurances are paid out of super, it is best to sort of encompass Mhmm. everything together. So I did kinda go back, put everything on hold for the moment after I had everything ready to go. And I was like, look. Let's put Sure. it as one document so you can see the whole picture. And that way, it makes it a little bit easier for you. But with what's happening in The US, within the world generally, with the markets going up and down a bit, we have sort of noted with your portfolio there needed to be some changes Yes. made. Sure. So I wanted to encompass that for you as well. Okay. Yes. Beautiful. No problem. So with this advice piece, we have scoped into being around superannuation. So one of your goals when we sort of touched base last time was that you are working to hopefully retire around about the age of 60. Your Mhmm. husband's super is the main it was you're sorta gonna live on.","start_word":442,"end_word":790,"sentiment":"neutral","sentiment_score":0.0652443655582417},{"text":"You just wanted your super to grow to be something that you could utilize for extras living, extra, like, leisure, sorry, to Yes. be able to pull out, to have holidays, and do fun things, and buy new cars, and things like that. So this is kind of a backup for yourself, but you still want it to be working harder and growing for you so you can maximize your retirement.","start_word":791,"end_word":861,"sentiment":"positive","sentiment_score":0.3756315410137177},{"text":"Sure. Okay? Yes. We also looked at the insurance side of things. As I mentioned, you wanted to increase your life and CBD component by a 100,000 there, and you also wanted to have your income covered, up to 70% of your income, and have a look at income protection there as well. So I have encompassed that for you in the advice document. Areas that we have scoped out. So we're not looking at trauma insurances. When we touched base last year, we sort of talked about what trauma is. It's an out of pocket expense and covers you for sort of a year's worth of living expenses. If you were diagnosed with large traumatic events, you decided not to hold any of that. If you do decide to down the track, let me know.","start_word":862,"end_word":997,"sentiment":"neutral","sentiment_score":0.05973966792225838},{"text":"I'm more than happy to do the research around recommending that for you. Your beneficiaries are in place at the moment, and you were very happy with how they were nominated.","start_word":998,"end_word":1028,"sentiment":"positive","sentiment_score":0.48744210600852966},{"text":"So we're not scoping anything in with regard to the state planning, but we wanna Sure. make sure we review that with you at annual review time as well. Mhmm. And you also discussed that you were sort of looking at maybe in the future having an investment property. It was something that was on the back of your mind, but not so much in your husband's mind. So Yes. it is something I've scoped out for now. Down the track, if you guys decide to look at that area, let me know. We can definitely discuss it in more detail for you both. Sure. Okay?","start_word":1029,"end_word":1134,"sentiment":"neutral","sentiment_score":0.08153881132602692},{"text":"Beautiful.","start_word":1135,"end_word":1135,"sentiment":"positive","sentiment_score":0.5147066116333008},{"text":"With this advice document on the front page, when you do look at it, you will note it has been prepared for yourself as of the 04/08/2026. It's Mhmm. insane that this year is flying by so quickly. It has been prepared by myself and my lovely team here at Oakview Financial, and my license number registered is 1304394. Okay? We do like to make sure that we are noting that any advice we do provide is provided under the best interest duty, which is a part of the corporations. That's where we are licensed under section nine of the corporations. That's what's important that we are understanding your goals and objectives and making sure the advice is provided in order Mhmm. to meet those goals and objectives. Under the best interest duty, if we can't meet your goals or the Sure. advice is not appropriate, it's important that we are upfront and honest and let you know that as well. Okay? Now with the recommendations there, as we sort of touch base on with the insurance side of things, you do wanna look at increasing your life and TPD by about a 100,000. So at the moment, your current life and TPD benefit is $650,006.06 7. Mhmm. These are paid wholly out of your super funds, and you've got the same amount of TPD as life there. You wanted to increase that a little Yep. bit higher, so you would have a sum insured of $750,006.06 7. We have made the recommendation to increase that for you. Mhmm. It doesn't add a huge amount of cost onto the premiums there. The biggest part of any insurance cost is the income protection component. Mhmm. So you actually don't have income protection at the moment and did wanna look at getting some income protection to cover you for up to 70% of your income. Now your income at the time we spoke late last year was about 109,000. Is that still the same, or have you got an increase, or are you due to get an increase? It's it's pretty much the same. I believe that I will be getting Yep. an increase, but it'll be so minimal that it's not even yeah. Okay. It's No. yeah. That's good. I mean, you deserve a higher increase than that. I would hope so, but, yeah, not yet, apparently. No. That's that's okay. After that twelve month mark, I'll hopefully, Yeah.","start_word":1136,"end_word":1543,"sentiment":"neutral","sentiment_score":0.024850085213342133},{"text":"they should be putting a lot more out there for you. Perfect.","start_word":1544,"end_word":1555,"sentiment":"positive","sentiment_score":0.5678092837333679},{"text":"Well, in order to make sure you are covered up to the maximum, so 70% of your current income at a 109,000, I am recommending that you do apply for income protection with the monthly benefit amount of 6,538. We did talk about looking at holding this inside super and outside of super. Mhmm. I am recommending you do hold this policy fully inside super. The premiums are coming out of your super fund and not out of your back pocket. Yep. Just to make it a bit easy, the cost of living is extremely high and fuel, even though the excess is being cut, still cuts into our budget pretty significantly. Yep. So limiting those out of pocket expenses is really important at the moment there. Yes. With the income protection policy, I am recommending a thirty day waiting period. So this means you have to be off work for thirty days prior to making a claim. Mhmm. If you think you're gonna be off that full thirty days, we always suggest let us know straight away so we can at least call and organize the claims forms to be, you know, organized and sent out for you so Mhmm. they can be completed ready for that thirty day cutoff mark. So once that thirty day hits, we submit all the paperwork to the insurer, and we get the claim underway nice and quickly for you. Okay? We're also recommending a two year benefit period. So when we kinda talked about those, you were happy with just a smaller benefit period, hoping that you wouldn't need to be off work for any longer than Sure. two years, but Mhmm. also noting that your husband has a good income as well. So it's Yes. a bit of a buffer in the event that you're not being able to work in the shortest term there. Okay. Yep. With the current insurances, you do only have life and CP at the moment. So your current yearly premium's $521.97 there. Mhmm. By looking at the increase that we are recommending there, it does increase your total premium to $1,693 there. So Okay. that's essentially giving you an increase of about $1,158. Okay.","start_word":1556,"end_word":1924,"sentiment":"neutral","sentiment_score":0.10912481701470972},{"text":"And majority of that is the income protection there, so all being paid out is super to make it easier on your budget.","start_word":1925,"end_word":1947,"sentiment":"positive","sentiment_score":0.5089915990829468},{"text":"Okay? Yes.","start_word":1948,"end_word":1949,"sentiment":"neutral","sentiment_score":0.27195894718170166},{"text":"The benefits here are that by increasing your life and TPD, you get that extra 100,000 added on there, which is a benefit to you. It means you get more paid out in the event of a claim, which is really important to have, and having Mhmm.","start_word":1950,"end_word":1996,"sentiment":"positive","sentiment_score":0.44373610615730286},{"text":"that monthly benefit in the in the event that you're unable to work in a shorter term due to illness or injury. Yep. The when we do look at increase, obviously, you do have your life on PVD. I am recommending the increase stay with ClearView. I did look at all the other insurers out there and looked at the options for other insurance options. However, ClearView came out to be the best quality Mhmm. mostly because you already have that Clearview policy. So just increasing your life and CBD with Clearview means they're only gonna underwrite that extra 100,000 for the life and CBD and underwrite that new income policy. Mhmm. So if there are any changes to your health from when we last spoke or when we last, were able to go through the application, it does mean that if there are changes to your health or what, you know, there could be loadings or exclusions applied to that increased policy. However, if there are, they would only apply to the increase. They wouldn't be backdated to the the last part of the policy, the Sure. policy you currently hold, if that makes sense. Okay? Yes. Yep.","start_word":1997,"end_word":2195,"sentiment":"neutral","sentiment_score":0.08792947232723236},{"text":"Perfect.","start_word":2196,"end_word":2196,"sentiment":"positive","sentiment_score":0.3491545617580414},{"text":"I know when we sort of spoke, there was nothing major that had come out as a red flag. You're nice and healthy, so I don't expect anything. But when we go through the application with my lovely team members here, they'll flag anything with me that I need to review for you. Excellent. Okay? Beautiful. The disadvantages are that, obviously, if your health has changes, then the increase could exceed exclude into all loadings, but we'll sort of touch base on that one. And if we need to, I'll review the policy or the application prior to it going through to the underwriters to see whether we need to have anything changed. Mhmm. It does increase the amount you are paying to your insurances by that $1,158.96. However, it's about making sure that you do have the level of cover that suits you and meets your goals as well. Okay? These policies are set. That essentially means that they do increase as you get older as the Yes. risk of you making a claim increases. So I Mhmm. I and your review, I wanna review these with you. We should be able to start hopefully reducing the cover back as your super balance increases, as your mortgage decreases, as you get closer to retirement there to alleviate the cost the pressure on your super, the Mhmm. cost of your premiums.","start_word":2197,"end_word":2427,"sentiment":"neutral","sentiment_score":0.05057844384150072},{"text":"And, hopefully, by the time you retire, have a beautiful super balance so you're completely debt free and not need any insurances at all.","start_word":2428,"end_word":2451,"sentiment":"positive","sentiment_score":0.4941527843475342},{"text":"Sure.","start_word":2452,"end_word":2452,"sentiment":"neutral","sentiment_score":0.22146356105804443},{"text":"Okay. Beautiful.","start_word":2453,"end_word":2454,"sentiment":"positive","sentiment_score":0.4610714316368103},{"text":"One of the other benefits that I looked at with Clearview is that we've recommended this policy be held solely inside super. Clearly, as a whole with your income protection, also have the added benefit of what's called an income protection. It's like a secondary contract that is held outside of super. So it's an essentially, in Okay. the event that you're unable you're off board with working sorry, unemployed, but you're unable to go to work due to illness or injury, they actually do provide provide us complimentary out of super contract on your income protection, which means you can claim if you're unable to work. Okay. It doesn't sort of it's not if you are, say, let laid off or if you quit your job. It's more this if you're unemployed, if you have quit your job, or if you Mhmm. have Mhmm. been laid off and you are physically looking for work and you're unable to do so because of injury or illness, and they do allow us to make a claim. So this is Okay. one of the added benefits that Clearview hold with this policy. Sure. And, normally, you don't sorta get those options with a lot of the insurers. So it's another Yeah.","start_word":2455,"end_word":2663,"sentiment":"neutral","sentiment_score":0.05925931528424532},{"text":"good reason why we're staying with Clearview for you gives you the added Yeah. benefit.","start_word":2664,"end_word":2678,"sentiment":"positive","sentiment_score":0.5044943690299988},{"text":"Okay?","start_word":2679,"end_word":2679,"sentiment":"neutral","sentiment_score":0.2378121018409729},{"text":"Cool. Some other key advantages with regard to this is they do also have what's called the recovery support services as part of the claims process. So this provides the added assistance assistance beyond income replacement, helping to support you with the recovery and return to work.","start_word":2680,"end_word":2726,"sentiment":"positive","sentiment_score":0.4608176052570343},{"text":"So, obviously, insurance, when you go on a claim, don't wanna be paying the claim for two years.","start_word":2727,"end_word":2744,"sentiment":"neutral","sentiment_score":0.2564035952091217},{"text":"They wanna get you back to work. It's partly so they don't have to pay the whole claim, but it's also about your mental health as well.","start_word":2745,"end_word":2771,"sentiment":"positive","sentiment_score":0.4434267580509186},{"text":"Because the longer we're off work Mhmm. on injuries or illness claims, the more it can affect our our mental health as well. Mhmm. So they do provide an agreed they provide third party services such as rehabilitation, medical equipment, and or refilling and training programs.","start_word":2772,"end_word":2817,"sentiment":"neutral","sentiment_score":0.04118691384792328},{"text":"These are designed to support you in recovery and illness and getting you back to work quicker.","start_word":2818,"end_word":2834,"sentiment":"positive","sentiment_score":0.37942615151405334},{"text":"Okay?","start_word":2835,"end_word":2835,"sentiment":"neutral","sentiment_score":0.30451536178588867},{"text":"Perfect.","start_word":2836,"end_word":2836,"sentiment":"positive","sentiment_score":0.5418506860733032},{"text":"As I think if you're wanting to if you're gonna be paying for insurances, you wanna get the best benefits you can out of these sorts of products. So utilizing them where you can and when you're on a claim. If the insurer provides these sorts of benefits to you, you've been paying the premiums, you're more than entitled to use them. So it's Mhmm. one of the things I do like about these things. You do have your life cover there as well, which pays out a lump sum benefit in the event of passing away. However, with the Clearview policy, having income protection covered there, it also has the added benefit sorry, of providing a lump sum payment in the event of passing whilst you're on a claim. So whilst the policy is enforced or if you're on a claim and you were to pass away, the income protection cover pays out a benefit equal to six times your monthly benefit to your beneficiary as a death benefit. It's up to a maximum $50,000. So Okay. it does Cool. mean that you're not only your last policy gets paid out, but your partner can also receive the added benefit of a bit extra paid out of your income protection policy as a death benefit. So it's a bit Mhmm. more of a buffer. Okay?","start_word":2837,"end_word":3062,"sentiment":"neutral","sentiment_score":0.21166638251954475},{"text":"Cool. All good.","start_word":3063,"end_word":3065,"sentiment":"positive","sentiment_score":0.59315025806427},{"text":"I do also have a few more advantages, disadvantages, risks, and alternatives that have been considered in there. When you're looking at the document, feel free to run your eyes over that one. Have a bit of a look there. If you Mhmm. do have any questions, let me know. And if you are happy to sign that one and take on those recommendations, we'll just get get you to sign the document back, and I'll book you with one one of my lovely team members to go through the application.","start_word":3066,"end_word":3156,"sentiment":"neutral","sentiment_score":0.16670311987400055},{"text":"Okay. Amazing. Amazing. Excellent.","start_word":3157,"end_word":3160,"sentiment":"positive","sentiment_score":0.5375536680221558},{"text":"Now with these changes, as I kinda mentioned, we have noted with what's been happening in the world generally that we did sort of flag some things in your super when I was reviewing everything. There has been some changes to the market, which I wanted to make sure are reflective of your super as well. Mhmm. So I have decided as part of this, we are retaining Hub 24. It is a great fund. However, some of your underlying investors have have been underperforming a little bit there. So I wanted to have those removed, and I wanted to move you into a portfolio that has been performing a little bit better. Okay? Mhmm. So when we are when you are looking at the document, you'll see on page 16, we essentially have what we are gonna be buying and selling. But as part of these changes, you did initially have the Bennelong Australian equities in there. You had quite a lot of Bennelong Australian equities. Unfortunately, Bennelong have had some issues in their management, and they have unfortunately been underperforming significantly. So I am selling all of them off. I am Mhmm. selling all of them off. Mhmm. I am also removing the Rafi Aussie 200 out of there. I'm also removing some of the cybersecurity, just kind of rebalancing that for you. Just a bit overexposed in that area at the moment, Mhmm. and we'll be rebalancing gold as well. So while gold has been performing really well over the twelve months, it is a growth investment, and we wanna cement some of those gains and have them reinvested back into other areas there for you in your Yep. portfolio. Mhmm. The BetaShares Global Agriculture, we're gonna get rid of all of that. It has been good over the past. You had about 3% in there, but it's sort of not performing the way we wanted it to recently, so we're gonna remove that from your portfolio as well. Mhmm. And also the bank hybrid. So they're actually being phased out by the government over the next couple of years. So we thought while we're looking at maneuvering things, we'll remove those completely out of there as well and reallocate the funds to something that's got more of a long term view for you. Okay?","start_word":3161,"end_word":3548,"sentiment":"neutral","sentiment_score":-0.019611232664397696},{"text":"Cool. So removing all of those investments, we are keeping gold, just rebalancing it, bringing it back to about 10%, cementing some of the gains that you've seen, and reinvesting those in other areas since, you know, provide a bit more of a cushion effect and keep those gains rolling a bit.","start_word":3549,"end_word":3600,"sentiment":"positive","sentiment_score":0.3912712335586548},{"text":"We Yep. are keeping the S and P 500. We're gonna buy a bit more into that. I know there is a lot of talk of what's happening in the world generally, but when you look at the S and P 500, it is still a good investment to have. Yep.","start_word":3601,"end_word":3651,"sentiment":"neutral","sentiment_score":0.25229403376579285},{"text":"One of the benefits of the S and P 500 is that it attracts the S and P 500 index.","start_word":3652,"end_word":3671,"sentiment":"positive","sentiment_score":0.38507288694381714},{"text":"And in order for the companies in The US to be in that index, they have to meet a certain criteria. So the index investment committee actually meet every quarter, and they determine whether companies are just are able to be in that S and P index or not. If they no longer qualify, they are removed and replaced with something else that does qualify to be in there. So it sort of gives you a bit of clarity Sure. that you are always invested in the top 500 companies Mhmm. and not invested in underperforming companies in that area because they are removed out when they no longer meet the criteria. So Sure.","start_word":3672,"end_word":3785,"sentiment":"neutral","sentiment_score":0.12641016054048873},{"text":"it is still a really good place to be. It has been a bit volatile. It is a growth investment, but it does when you look at it over the course of ten to twenty or thirty years, does give you great returns. So it is still a good place to have your investment.","start_word":3786,"end_word":3839,"sentiment":"positive","sentiment_score":0.5232378840446472},{"text":"Mhmm. Okay? We've also got the iShares Europe. So, again, Europe has still seen a bit of the ups and downs as what is happening with Iran at the moment, but it is still a really good place to be invested and does provide a diversification. This is not one or two or three European countries. It's encompassing all of them. So Mhmm. some of the companies within Europe are still seeing great returns and positive things are occurring, whilst other areas in Europe are not seeing as good of returns.","start_word":3840,"end_word":3930,"sentiment":"neutral","sentiment_score":0.18538632988929749},{"text":"So it is still a great place to be. We're only gonna have about 8% of your portfolio in there, but having that Mhmm. is good for diversification and long term growth as well.","start_word":3931,"end_word":3964,"sentiment":"positive","sentiment_score":0.4241383969783783},{"text":"Okay? Sure. Japan. So the iShares Japan is a great place to be invested, again, giving you a little bit more diversification. Over the last sort of twelve months, we did see where a lot of times the Australian market or, say, The US market might not be performing as well. We do tend to find Japan tends to work separately. So where Australia and US might be going down, Japan tends to show it goes up a little bit. So it is good there for diversification. It doesn't work. It's not correlated to other areas. It does sort of have its own sort of correlation, which is great, and Japan has seen some good returns. And they're also because of what's happening with China with a lot of the the increased tensions throughout China, a lot of things are moving into Japan.","start_word":3965,"end_word":4107,"sentiment":"neutral","sentiment_score":0.1697303205728531},{"text":"So we do see it as a much a much greater growth area moving forward, and we'll put about 5% of your portfolio in that investment option.","start_word":4108,"end_word":4134,"sentiment":"positive","sentiment_score":0.3526558578014374},{"text":"Okay?","start_word":4135,"end_word":4135,"sentiment":"neutral","sentiment_score":0.1806662678718567},{"text":"Thank you.","start_word":4136,"end_word":4137,"sentiment":"positive","sentiment_score":0.3756771683692932},{"text":"We have the Vanguard or WorldX US. So this is essentially looking at all the world globally, so every country minus The US because you do have the S and P 500. One Mhmm. of the big things about looking at diversification is diversifying globally. So we're looking at not only Europe, Japan, The US, Australia, and other developed nations, but also other developing nations as well.","start_word":4138,"end_word":4204,"sentiment":"neutral","sentiment_score":0.07840086452996553},{"text":"So you've got some current countries that have got great returns that have seen in the past, which might correlate and move together, but other developing nations that might are expected to see really good growth moving forward there as well.","start_word":4205,"end_word":4245,"sentiment":"positive","sentiment_score":0.33845779299736023},{"text":"And this Vanguard or World ex US investment option gives you diversification in those sorts of areas, and we're only putting about 8% in there for you. So it's more of a, you know, a branch out kinda area that we wanna see great growth in for you, but it is tracking the all world index as well. Okay? Mhmm. We've got the BetaShares Australian 200. Now because we are getting rid of the Raffi and the Beddalong Australian Equities, putting that into the a 200, this is a tracking following the top 200 companies on the ASX. And, again, just like the S and P 500, it tracks an index. And for companies to be in that index, they have to meet a certain criteria. So if that company's you know, when they meet if the when the investment committee meet, if the company doesn't meet the criteria, they are moved out and something else is placed in its in its place. The Mhmm.","start_word":4246,"end_word":4410,"sentiment":"neutral","sentiment_score":0.1208655759692192},{"text":"a 200 is good. It's more passive. It's also cheaper than having been along in there, so it actually saves you on investment fees, which is another great asset.","start_word":4411,"end_word":4439,"sentiment":"positive","sentiment_score":0.4959861934185028},{"text":"And the a 200 is tracking it's more passive. So it tracks the index up and down, participating in the market. So you're not trying you don't have investment managers who are trying to outperform indexes and risking a lot more. It's Mhmm.","start_word":4440,"end_word":4482,"sentiment":"neutral","sentiment_score":0.26762524247169495},{"text":"a lot more passive, a lot lower cost, and has seen greater returns in the past than what Benelon has.","start_word":4483,"end_word":4502,"sentiment":"positive","sentiment_score":0.4645642340183258},{"text":"Okay.","start_word":4503,"end_word":4503,"sentiment":"neutral","sentiment_score":0.24797356128692627},{"text":"Sure. Excellent.","start_word":4504,"end_word":4505,"sentiment":"positive","sentiment_score":0.5069503784179688},{"text":"And then because it's important to have some defensive investments as well, we are removing the bank hybrids out of there due to them being removed later on over the next couple of years. We're gonna move put you into the core composite bonds.","start_word":4506,"end_word":4549,"sentiment":"neutral","sentiment_score":0.040633492171764374},{"text":"So bonds are great defensive investments. They are lower cost.","start_word":4550,"end_word":4559,"sentiment":"positive","sentiment_score":0.4029878973960877},{"text":"They are if you're putting money into corporate as well as company bonds. The bonds also encompasses bonds and bank notes and other sort of debt equities around the globe. So it's not just in Australia. This is also looking globally to give you diversification in your defensive investments as well. And it's about 14% invested in in there.","start_word":4560,"end_word":4618,"sentiment":"neutral","sentiment_score":0.2023741155862808},{"text":"One of the good things about bonds is they are income producing.","start_word":4619,"end_word":4630,"sentiment":"positive","sentiment_score":0.38713064789772034},{"text":"We wanna make sure you've got some income coming into your portfolio. It pays coupon payments or dividend payments like some of the shares do, and they go into your cash account, which can be reinvested, and it helps the compounding effect of your portfolio. So I noticed a lot. I have a look through those. If you want me to kind of break them down more for you, I will. I do just kinda go over them very Yeah. basically so it's not not everyone's that interested in what they're invested in. But have a look. If you find you want more information, let me know. But it's giving you a bit of an idea of what I'm moving and altering Yeah. and changing Sure. for you. Okay? No. That sounds all good so far.","start_word":4631,"end_word":4766,"sentiment":"neutral","sentiment_score":0.1348755955696106},{"text":"So, yeah, Beautiful. easy. Ex excellent.","start_word":4767,"end_word":4772,"sentiment":"positive","sentiment_score":0.5529824495315552},{"text":"Now with this newer portfolio, as I kinda mentioned, it is saving investment fees. So we're moving the ban along and some of the higher cost investments out of there. With the changes, when I had a look at the difference in fees from where you are at the moment to the recommended portfolio, For the year, we can actually save you $665 investment fees.","start_word":4773,"end_word":4837,"sentiment":"neutral","sentiment_score":0.1666627824306488},{"text":"So it's pretty pretty decent cost Yeah. cost reduction there, and that money stays invested in your portfolio for you, which can help for the longer term. The newer portfolio has also seen a greater past performance.","start_word":4838,"end_word":4874,"sentiment":"positive","sentiment_score":0.4010438621044159},{"text":"So when we consider the newer portfolio with what you were in currently, were you starting a three year rolling average because the bank hybrids haven't been around long enough long enough to get a five year rolling average. But your current portfolio has averaged about 14.2%, and we know you don't get that every year. But when we look at the average of what it can do over the past three years, this is what it sort of averaged out to be. With Mhmm. the newer portfolio, when we look at the past returns, it's averaged out to be about 16.86% over the past three years. So the newer Okay.","start_word":4875,"end_word":4985,"sentiment":"neutral","sentiment_score":0.06851903349161148},{"text":"portfolio has seen greater past performance, which can, depending on markets down the track, can provide you with greater past future performance.","start_word":4986,"end_word":5007,"sentiment":"positive","sentiment_score":0.4264944791793823},{"text":"Okay? Sure. I also do need to make sure I mentioned that we did look at the tax consequences because we are buying and selling investments within your super fund there. There are taxation consequences for doing so. Your super Mhmm. fund does a tax return just like you do every year, and the estimated CGT for this is $1,008. So after we complete the full switch and have 24 try to do it in the most tax effective way for you, But we Mhmm. do estimate the super fund will pay a capital gains of $1,008, all covered by your super fund and not by you in any way to make it easy. Mhmm. Perfect. Okay? Yep.","start_word":5008,"end_word":5125,"sentiment":"neutral","sentiment_score":0.09557093679904938},{"text":"Perfect.","start_word":5126,"end_word":5126,"sentiment":"positive","sentiment_score":0.3417852520942688},{"text":"So, realistically, we're saving investment fees. There is a CJT t consequence, but we are removing underperforming investments and putting you into investments in a portfolio that has seen greater past performance. So we're looking to try and make sure that works harder for you moving down the track and keeping keep on reviewing these for you as well. Okay.","start_word":5127,"end_word":5186,"sentiment":"neutral","sentiment_score":0.059917695820331573},{"text":"Amazing. Yep. Perfect. With everything that we sort of have looked at with the projection table in there, I've got the next five to ten years there for you.","start_word":5187,"end_word":5215,"sentiment":"positive","sentiment_score":0.422574907541275},{"text":"But, essentially, if Mhmm. the market's worked the way they have in the past, if this portfolio could, you know, over the longer term, provide the same level of returns as it has. Over the next ten years, you could see yourself with a bit over a million dollars and so forth.","start_word":5216,"end_word":5267,"sentiment":"neutral","sentiment_score":0.22701209210432496},{"text":"So Amazing.","start_word":5268,"end_word":5269,"sentiment":"positive","sentiment_score":0.613852858543396},{"text":"depending on how markets react, this could provide to be greater. However, it does just depend upon what markets do. Past performance isn't always an indicator of future performance. As we all know, markets are a little bit up and down at the moment, but with your Mhmm. contributions continuously going in, when the markets are taking a bit of a dip, we are taking advantage of those times as well. So Sure.","start_word":5270,"end_word":5342,"sentiment":"neutral","sentiment_score":0.06295104324817657},{"text":"we'll just sort of see how things are going, keep reviewing things, and keep you on track to get the best out of your super possible.","start_word":5343,"end_word":5368,"sentiment":"positive","sentiment_score":0.5200985074043274},{"text":"Does that make Excellent. sense? Yeah. Yeah.","start_word":5369,"end_word":5375,"sentiment":"neutral","sentiment_score":0.24739430844783783},{"text":"Perfect. Beautiful. The advantages here are that, essentially, the changes do save you in investment fees.","start_word":5376,"end_word":5391,"sentiment":"positive","sentiment_score":0.44632336497306824},{"text":"The disadvantage to other CGT consequences, but we've tried to limit those as much as possible. And this reduction in the investment fees do tend to almost completely wipe out the CGT cost there.","start_word":5392,"end_word":5425,"sentiment":"neutral","sentiment_score":0.15092650055885315},{"text":"So it kind of Mhmm. is working quite well in your favor there.","start_word":5426,"end_word":5438,"sentiment":"positive","sentiment_score":0.40323173999786377},{"text":"I have recommended retaining Hub 24.","start_word":5439,"end_word":5444,"sentiment":"neutral","sentiment_score":0.26620733737945557},{"text":"It is still a great platform, and the CGT on a full sell down to look at other platforms will be much higher.","start_word":5445,"end_word":5467,"sentiment":"positive","sentiment_score":0.333930104970932},{"text":"So this is more Mhmm. of a cost effective way to make sure your portfolio is working harder for you.","start_word":5468,"end_word":5487,"sentiment":"neutral","sentiment_score":0.2002624124288559},{"text":"And HubSpot is still a great platform.","start_word":5488,"end_word":5494,"sentiment":"positive","sentiment_score":0.4662926495075226},{"text":"There's been no real changes that require us to, you know, look at altering the platform in any way, but we'll keep reviewing that with you as well. Okay.","start_word":5495,"end_word":5523,"sentiment":"neutral","sentiment_score":0.1600191742181778},{"text":"Perfect. Beautiful.","start_word":5524,"end_word":5525,"sentiment":"positive","sentiment_score":0.3848070502281189},{"text":"As you do run your eyes through that document there, you will see I've got best interest duty statements, which essentially links the recommendations back to your goals and notes why all of these are in best interest for you. So we ought to have a bit of a read through those statements as well. And, again, just let Mhmm. me know if there's any questions you have. Okay?","start_word":5526,"end_word":5594,"sentiment":"neutral","sentiment_score":0.22997254133224487},{"text":"Awesome. Excellent.","start_word":5595,"end_word":5596,"sentiment":"positive","sentiment_score":0.5297701358795166},{"text":"The and the other thing I do wanna make sure I mention is we do receive remuneration for insurances. This is paid by the insurer and not by you. We do currently receive 66% of the first year's premium and 22% there ongoing from the insurer. These do Mhmm. have no effect on what my recommendations are. My recommendations are to be made in your best interest. As I mentioned, bound by the corporation back in the best interest duty to do so. But we Mhmm. do like to just make sure you're aware that the the premiums sorry. The remuneration is paid by the insurer to us, and we'd like to make sure it's fully disposed in there for you Mhmm. as well. For sure. Okay? Yeah. No. All good.","start_word":5597,"end_word":5727,"sentiment":"neutral","sentiment_score":0.06253526962667931},{"text":"Beautiful.","start_word":5728,"end_word":5728,"sentiment":"positive","sentiment_score":0.33917272090911865},{"text":"And then we also have in there the ongoing service fee. So you are paying that for our service at the moment. That's about Mhmm. making sure that we are setting advice and looking at your portfolio and making sure you stay on track and in the right investments there. So that is at 1.65% random, and we've just Mhmm. disclosed that in there for you as well. Okay?","start_word":5729,"end_word":5797,"sentiment":"neutral","sentiment_score":0.0978993996977806},{"text":"Excellent. Excellent. If you're happy with everything and you do decide to take on board the recommendations, how we'll implement things is we'll start by doing the investment switch. We'll maneuver Mhmm. those investments nice and quick there for you, and then we'll also book in with one of our lovely team members to go through the insurance application so we can get those insurances updated for you as well. Amazing.","start_word":5798,"end_word":5868,"sentiment":"positive","sentiment_score":0.40618568658828735},{"text":"Okay.","start_word":5869,"end_word":5869,"sentiment":"neutral","sentiment_score":0.2672317624092102},{"text":"All good.","start_word":5870,"end_word":5871,"sentiment":"positive","sentiment_score":0.3541460633277893},{"text":"Do you have any questions for me at the moment? No. I think that's pretty pretty good. Yeah. Like, yeah, I obviously am aware of the situations overseas and stuff like that, but I'm not panicking about any of it. So No. No. so Got that's a all long good. time to go yet. Yeah. Yeah. Exactly. Exactly. No. So That's but yeah. No. It's yeah. I will be able to review those documents later it. this time tonight Beautiful.","start_word":5872,"end_word":5951,"sentiment":"neutral","sentiment_score":0.03584039583802223},{"text":"and get them back to you today. So that's all good.","start_word":5952,"end_word":5962,"sentiment":"positive","sentiment_score":0.4029437005519867},{"text":"If you do like a bit of reading, I've also got some of the PDF documents in there for any of the recommendations I've made. I've got your current Mhmm. certificate of currency in there for you as well.","start_word":5963,"end_word":6001,"sentiment":"neutral","sentiment_score":0.15396715586002058},{"text":"Perfect. And I've also added in there just our local financial services guide, which updates any details on us and has a lovely glossy photo of me in there for you as well. Okay. Excellent. No problem. And, usually, well, I will let you go to review those ones.","start_word":6002,"end_word":6050,"sentiment":"positive","sentiment_score":0.4319400191307068},{"text":"Just let me know if there's any questions you have. It doesn't matter what it is.","start_word":6051,"end_word":6066,"sentiment":"neutral","sentiment_score":0.28905031085014343},{"text":"And, yeah, if you're happy to go forward with that, then Nick and Nicole, I'll just get you to assign and return those back, and we'll get them sorted for you. Fantastic. Thank you so much. My pleasure. Thank you for your time. I hope you have a lovely afternoon. Thank you. You too. You have a good rest of the day. Thanks. You Thanks, too, Nicole. Diana. See Cheers.","start_word":6067,"end_word":6136,"sentiment":"positive","sentiment_score":0.5513874888420105},{"text":"you later. Bye. Bye.","start_word":6137,"end_word":6140,"sentiment":"neutral","sentiment_score":0.2276136428117752}],"average":{"sentiment":"neutral","sentiment_score":0.15652384284798426}}}}